davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Atlas Credit Company, Inc. (TX)

My mother took an unsecured personal loan with ATLAS CREDIT in XXXX XXXX, Texas. In XX/XX/2020 she became XXXX due to a XXXX XXXX XXXX condition. She made XXXX, XXXX, and XXXX Payments with her last two work checks. In XXXX she spoke to ATLAS CREDIT and told them her financial situation and medical condition. She informed them that she no longer had an income and was awaiting response from a social security application. Atlas asked if they could call back in a week to see if the situation has improved. These weekly calls were amicable for about a month. After that, atlas started to call every reference my mother had on her list repeatedly. And when my mother asked them to stop her references because she wasnt hiding from them, she had been upfront and made them aware there was no money. Then my mother was bombarded with calls, voicemails, and text messages from Atlas. She received letters and once again explained in written form that she didnt know how she was gon na pay rent, or utility bills, more importantly how was she gon na pay for her dr visits or medications. That that she has closed accounts at atlas before but this was a circumstance that was out of her control. She told them that calling her repeatedly was embarrassing for her. She asked in written form to proceed with next steps and to stop calling and sending letters that stated you werent forced to get this loan so you need to take care of this matter. Again, how can she pay when she has XXXX income. You cant get blood from a turnip, come on atlas! My mother has to move in with her own mother she didnt have to worry about rent. Atlas has started to come to her previous address on 4 separate occasions, after the second time the owner of the home called atlas and told them The person they were looking for has moved. They ame a third time 2 days ago and the owner called them again told them the same thing and asked not to come back because it has been made clear to them that the person they are looking for has moved. Guess what Atlas went to the same address again today and they were told again the SHE doesnt live at this address any more. This company has basically harassed my mother and now are harassing my cousin who now is renting at her previous address after they have been asked several times cease communication because my mother is trying to survive and live through her medical affliction and a {$130.00} payment is last on her list of worries at this moment. Funny thing is she used to recommend ATLAS CREDIT to others and now Im telling everyone I know to not go to them for any loans. I told my cousin to file a complaint as well because hes told them my mother has moved.
Consumer complaint received 2022-09-17
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. (MI)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items : XXXX, XXXX, XXXX ; XXXXXXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello My name is XXXX XXXX I have a complaint with Experian Credit Bureau. They have 2 old addresses that should not be there. 

XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX. 

XXXX ) XXXX XXXX XXXX # XXXX. XXXX XXXX, New Jersey. XXXX These two addresses should be remove
Consumer complaint received 2020-07-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I reached out to Transunion beginning XX/XX/2020 to dispute unverified and inaccurate information and accounts on my credit report, despite sending five dispute notices they still did not fix the inaccurate and unverified accounts on my credit report. I told them I would sue them ( which I am serious about if they do not correct the inaccurate and unverified accounts ) this got their attention which they asked for more documents. I sent them all the documents they had listed and requested but before they received the documents they stated they completed the investigation and everything was verified. I know this could not be true because they had not received what they asked for and they still said the documents were not correct. I highlighted the information they requested and resent it but before they got it again they said they completed the investigation and the information was verified. I asked the who verified the information which I am entitled to under section 611 ( a ) ( 7 ) per FCRA and no response.Transunion is refusing to perform a proper investigation per the FCRA which is a federal LAW. I have no choice but to file a lawsuit I just wanted to see if you can help before I file a lawsuit to exercise my right to a fair and proper investigation into unverified and inaccurate accounts on my credit report. I hope you can help! I have attached documents sent and received from Transunion
Consumer complaint received 2022-07-18
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. (NJ)

there is a bankruptcy reporting on my credit report, which they have said to received that info from a third party. nonetheless I have contacted them several times to delete the bankruptcy as it is many violations of fraud, infringement of privacy extortion and racketeering which can be considered a RICO.
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MA)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2022-11-01
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. (MN)

This is XXXX XXXX, and I am submitting yet another CFPB Complaint to inform the Credit Bureaus that they are reporting erroneous information on my Credit File. Upon reviewing my credit file, inaccurate and misleading accounts are being reported on my Credit file. The Equifax, XXXX, and XXXX XXXX Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate and I never received anything from the Credit Bureaus as proof of verification to support the Credit Bureaus claims that the Accounts have been verified. They have failed to provide me with the written authorization or update and remove these accounts from my credit file. I need the following accounts investigated to be corrected and or removed as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Consumer complaint received 2022-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NJ)

Purchased TV from Best Buy salesman. Asked to fill credit app. to receive 10 % off first purchase. Was informed there was no obligation to accept credit offer. Credit report was entered with my social security number, but in my wife 's name. Never received {$45.00} which equals 10 % off. Bait and with but screwed everything up. Then tried to make Citibank correct information. Citibank would not do it. How does someone get credit card in their name if they are not even present? See watched What should I do now?
Consumer complaint received 2020-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NJ)

Barclays credit card is garnishing my wages, i have paid them over 350.00 via garnishment and they have yet to update my balance owed on my credit report. I have contacted them multiple times, i have report the inaccuracies many times and each time they adjust the amount by XXXX dollar, so that the balance decreases. They have not been honest with their credit reporting practices. I have disputed them with XXXX, XXXX, and XXXX and each time they Continue to do the same thing and report incorrect info on my report which is damaging my score unfairly.
Consumer complaint received 2020-05-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken ()

Starting on the XXXX of XX/XX/2019, I fell victim to a fraudulent XXXX company named XXXX ( the Company ). Money was transferred from my account to the Company  via credit card/wire transfers for a total amount of XXXX EUR utilizing Kraken services.
Consumer complaint received 2021-04-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Dear Consumer Finance Debt 1. My complaint is with Citibank consumer loan department regarding my XXXX Loan Forgiveness application not being available online to fill out and submit to Citibank for loan forgiveness as promised in a timely manner. 
2. I have logged on to my business acct numerous times, submitted over 40 emails to the XXXX  Forgiveness Portal supplied by Citibank but to no avail. Only robotic responses and no personal help at all to submit my online Forgiveness application form called XXXX. 
3. I have been unable to successfully submit my loan forgiveness application to Citibank for almost 3 months now and noticed that many others are complaining about this issue. I have offered to print out my application and deliver it by hand to a bank location to forward on my behalf. Citibank has not responded. 

My SBA PPP Loan Number XXXX My Lender XXXX Loan # XXXX Amount {$10000.00} Date of disbursement XX/XX/2020 2020
Consumer complaint received 2021-04-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Hello its been 6 months to a year and I have not gotten any results back. The only response Ive been getting is that it been verified .I want to know who verified it. By law in 30 days the accounts are suppose to be remove if no verification been provided.
Consumer complaint received 2022-07-18
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. (CA)

Im submitting this complaint with the help of the CFPB today to inform both the CFPB and the Credit Reporting Agencies that I was a victim of identity theft. I have conducted a research on how to remove the fraudulent accounts as well as inforamtion in my report and found that I need to visit FEDERAL TRADE COMMISION oXXXX XXXX XXXX XXXX  to file a report and Per Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the deletion of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2600.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

CITI Charging Cash Advance and Interest Fees on XXXX Transactions Card : AT & T Universal Card - Mastercard As of XX/XX/2020, CITI appears to have started charging cash advance and interest fees on XXXX transactions. I have used XXXX for over a year with it linked to my credit card and they never previously assessed these fees. As of my recent statement starting XX/XX/2020, I am now being assessed cash advance and interest fees. More importantly, I never received any notification from CITI about in change in terms and them starting to assess fees on XXXX transactions. 

I contacted CITI multiple times and all representatives insisted that charges for cash advances has always been part of the card terms. I informed them that I have never previously been assessed a cash advance fee for XXXX transaction, and they refused to acknowledge that fact. Rather, they put the blame on XXXX and said the merchant needs to fix their integration with XXXX. I've been using these same XXXX merchants for a year and this was never a problem previously. 

In all, it seems that CITI is scamming its customers and refusing to acknowledge the change on their end.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (NV)

I currently have two credit cards with Chase bank that both have an annual fee. I recently applied to have Military Lending Act benefits applied to these accounts starting on XXXX XXXX, XXXX since this was the compliance date for eligible credit card accounts. Both these accounts were opened in XXXX and I started my enlistment in the military in XXXX. I am currently still XXXX XXXX without a break in service so I know Service Members Civil Relief Act does not apply. 

I reached out to Chase via secure messaging and they responded that my accounts did not qualify for Military Lending Act benefits because they did not originate on or after XXXX XXXX, XXXX. My response was to question this date because it is not outlined in the guidance that I found online via the FDIC website and the Comptrollers Compliance handbook. Additionally, I specifically asked where the federal guidance stated that credit cards had to be opened after the compliance date of XXXX XXXX, XXXX. 

The way I read the guidance a credit card is eligible for Military Lending Act benefits if it was opened after the service member joined the military. The bank was not required to evaluate and apply these benefits to these credit cards in regards to interest and annual fees until XXXX XXXX, XXXX. I explained this several times to Chase via secure messaging and to a military account specialist via telephone. Their response was that their lawyers had looked into it and that they were in compliance. They also said they have no control over applying these benefits to my account, that the account is evaluated for them when it is opened. I said I am asking for the benefits now since I was not aware that my account was eligible until now and that they would have never looked at these accounts for eligibility because they were opened before credit card accounts we added to the Military Lending Act. They simply responded by saying this only happens if I opened them after XXXX XXXX, XXXX.
Consumer complaint received 2020-07-23
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Hey guys. Right off the bat I want you to know I'm a nonchalant type of gal. I try not to sweat the small stuff because it just creates a lot of unnecessary worry. The truth is I'm only writing this complaint because I've spoken to a lot of other friends who are going through the same thing and they all convinced me to write this complaint so you know what the credit bureaus are doing or rather not doing in this case. 

A bunch of friends of mine as well as myself were looking into buying houses because the market is CRAZY right now. Interest rates are super low and its a great time to buy. We are all trying to prepare ourselves to go to a bank or mortgage lender and get qualified for a house. We all know our credit is an important factor in getting approved for a mortgage so we advised each other to review our credit reports and check for inconsistencies or items that are wrong. Personally, I'm of the mind of que sera, sera. At the same time I also know how important this is for ally my friends and regardless of my personal feelings, facts are facts. So in light of that, I'm moving on to the nature of this complaint. 

I know that I sent dispute letters to the credit bureaus on XX/XX/XXXX. I know I didn't receive a response for those letters. I know that after no response from them, I submitted a second round of disputes on XX/XX/XXXX. I know its too early to expect responses from XX/XX/XXXX, but I know since I never received a response from my initial disputes, I know I can't expect a response this time either so I am still filing a complaint because technically the responses to my initial disputes are now 32 past due and this complaint is warranted. And although I can't file a complaint on their behalf, just know that there are several of us that this is happening to so I know the credit bureaus are doing it on purpose.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (TX)

Received a credit card denial from US Bank - applied on XX/XX/XXXX. 
* My annual income is greater than $ 100K * No Liability * All ( 2acrds ) paid regulalry * XX/XX/XXXX credit score of XXXX ( reported by XXXX & XXXX XXXX ). 

On XX/XX/XXXX during e-application I was told I would be informed of the decision later. On XXXX I received the denial letter ( post date : XX/XX/XXXX ). On XXXX I spoke to US Bank credit depot. i was told the denial was because of too many inquiries in last 24 months. 

On checking the credit report : There were 6 inquiries in 2 years ( XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ). One of them is by my Apartment Management. One by XXXX ( No loans taken - offered high-interest rate ),  One by XXXX ( XX/XX/XXXXXXXX  >> Card was denied ). Rest is 4 credit cards in 2yrs. 2 of them closed. 

Now that US Bank has refused - it adds to another credit inquiry, so the next financial company will deny saying..you have 7 inquiries.