davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-03
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. (FL)

These accounts are not mine, and I have never had them. Its obvious an Identity theft and I am a victim. I am very sad that now I need to deal with it. I hope that situation with my profile will be changed soon as I want to have a baby and now because of this terrible fraud and crime I can not take financing ... Thank you for understanding and please remove these fraud accounts from my credit report
Consumer complaint received 2023-10-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Consumer complaint received 2021-09-23
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 (NY)

This is complaint number XXXX follow up I received letter to call Capital One I called the number twice and agent to contact was busy. Another agent answered and I told her my concern She annotated my message to the contact on letter Once again what is further needed? 
We are talking about {$12.00} charge on XX/XX/XXXX for SERVICES NOT RENDERED If this " red tape continues I will stop using card for purchases!
Consumer complaint received 2022-07-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Four times - I received notice from Bank Of America that my application for " XXXX  XXXX XXXX XXXX XXXX '' could not be processed because my credit reporting accounts were frozen. Also received from BOA a notice that my " XXXX  XXXX XXXX XXXX XXXX '' from BOA could not be processed because of frozen credit accounts. 

I had frozen my credit reporting accounts, but I do not have any accounts with BOA nor did I apply for any credit cards. I did contact BOA and was eventually able to talk with someone who gave me a couple tips to further guard against further applications. I can not easily get in touch with BOA even when they leave a number because their menus require an account number, which I don't have. 

I can't fault BOA too much except for the number of times a credit application was received but kicked back by the Credit report agencies.
Consumer complaint received 2022-05-26
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: Experian Information Solutions Inc. (GA)

ADDENDUMS TO THE FOLLOWING COMPLAINTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX FOR ALL THREE XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX FXXXX XXXX XXXXXXXX ACCOUNT FRAUD XXXX AND XXXX 'S ACCOUNT THERE ARE MISSING PAGES TO THESE REPORTS, NAMES REPORTS WOULD BE UNDER XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NY)

I send a letter to Citibank ( Citibank retail service operations Attention : XXXX Mailroom XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ) on XX/XX/XXXX request a refund of {$48.00} of the monthly balance fee that they charged that they were not supposed to. My checking account was charged for monthly service for XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX, XXXX despite that I had a balance of over {$1500.00} in my combined checking and saving account. Citibank did not combine my savings and checking accounts together for these months even though Citibank combined my savings and checking accounts before and after these months. This is a mistake on Citibanks behalf. I closed my accounts because I was recently scammed which caused me to look through all my balances. Please refund it to my new Citibank account.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Dates XX/XX/2019 Company XXXX XXXX Dates XX/XX/2019 XXXX XXXX XXXX I tried to get an account with XXXX XXXX XXXX. I could not be accommodated. There decision was based in whole or part on information obtained in report from consumer report. They recommended actions to provide adverse action form check box for Chexsystems. Action taken place is requesting all information concerning this issue. My information was impacted by the data breach hack.
Consumer complaint received 2021-06-04
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

My credit was ran multiple times on the same date I called Lexus and Toyota financial multiple times since XXXXFiled two cfpb complaints and corrections still not fixed. I filed paperwork for small claims court in XXXX county because I keep getting runarounds. I am pursuing XXXX lawsuit in small claims court.Court date is set for the end of XXXX gave them ample amount time to fix the issue. So I am asking for XXXX and XXXX dollars for court filing fee reimbursement.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (CA)

LexisNexis has compiled inaccurate information about me and without my consent. They have inaccurate DOB, inaccurate addresses listed for me ( many of which have never been associated with me )
Consumer complaint received 2021-09-23
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: Resurgent Capital Services L.P. (NJ)

I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO:
FCRA 15 USC -
1681b(a)(2)
1681d(a)(1)(A)(B)
1681e(a)(b)(c)(e)
FDCPA 15 USC-
1692e(a)(b)
THE ATTACHED INFORMATION IS FALSE AND MISLEADING/UNAUTHORIZED/IMPAIRED/UNDERMINING.
Consumer complaint received 2021-06-04
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)

There is one account on my credit report and this is not my account this does not belong to me I have not applied used or know what this is for I dont own anything like this nor have I!!! I need this taken care of ASAP. 

XXXX XXXX - ACCT # XXXX XXXX {$0.00}
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 report 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 2021-06-03
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. (CA)

Ive sent in a letter XX/XX/2021 in regards of the misleading and unverifiable items on my credit report. Ive sent in several disputes, before opening up a case with cfpb. I've talk to the bureaus, the actual lenders, and yet have received any results in regards of my claims. I feel im getting token advantage of because I been having this issue for a while.
Consumer complaint received 2021-06-03
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. (NY)

I contacted XXXX  expressing that there was 6 credit accounts reporting to my credit report that was not mine. First off I sent a letter to XXXX  dated XX/XX/2021. They claimed that they did not receive the letter until sometime in XXXX. When I wrote the dispute letter I asked that the account be verified by giving verifiable proof of this account and that it belongs to me because it does not. I wrote this XXXX letter and they refused to start my dispute in XXXX they waited until XXXX. They were already OVER the 30 days of investigation they refused to start it until XXXX. 

After they started my dispute they send me an email saying the results of my dispute came back verified. I called XXXX  and asked them exactly HOW they verified the information. They could not give me an answer, I told them that having something verified by the e-Oscar system was not sufficient enough to deem anything verifiable.a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. 

According to the FCRA they HAVE to provide documentation on HOW these items were deemed verifiable. 

Please see the attached documents that I have sent to XXXX  regarding this and these are the exact letters that they refuse to respond too.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

Made my last principal and interest payment at BESTBUY Store. Apparently I was past the 15 days ( although the cashier at the store didn't tell me ) I apparently began to receive late fees and interest charges. Once I made my final payment, thinking I was paid to {$0.00}, I never recall receiving anything BestBuy/Citi . I finally became aware of the fees and called. 
XXXX XXXX I called Citi Card to complain they were capitalizing on late fees and interest charges. I was told there was nothing they could do and I owed that money. I refused to pay anything other than what the original late fee was stating, " it is no fair and is even predatory to capitalize on late fees and interest charges on something that started with a {$0.00} balance. '' Wednesday XX/XX/XXXX I called back. Was made aware that Citi decided to waive the full amount of fees ( which totaled around $ XXXX ) and that I had a {$0.00} balance and the account was closed. I was told that the negative information, balance & delinquencies would be removed from my credit report on XX/XX/XXXX, As the call was ending, I asked this rep for her employee ID as I had my doubts that this would be rectified so quickly and easily. XX/XX/XXXX or a few days that follow, I see that Citi has wiped the $ XXXX balance on my credit report to {$0.00}... however the late/delinquencies were still appearing... i called back on XX/XX/XXXX... i was on the phone for over one hour and nineteen minutes ... over 70 % or more of this time kept on hold. After all this time, a woman named XXXX from the Tennessee office TEAM XXXX ID # XXXX told me that not only did I have to keep waiting for this report to be processed ( that this could take 2+ weeks, it wasn't even guaranteed to be wiped from my credit report. I explained to XXXX and before her ( XXXX EMPLOYEE ID XXXX ) that i was told on XX/XX/XXXX it was going to be taken off of my report, balance and delinquencies... upon telling XXXX this, she said we will go back to that rep and use this as a teaching experience. This is unacceptable in protecting a consumer from these large corporate financing companies. What are we to do? I was told one thing, now being told another. What protection does a consumer have?
Consumer complaint received 2021-06-04
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. (NY)

My name is XXXX XXXX XXXX and I am a victim of identity theft, as i previously notified Experian. I am not a third party. and I already gave permission thru the CFPB. But as per Experian 's request, I XXXX XXXX XXXX give authorization to Experian.
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MD)

My original student loan servicer was Nelnet. In XX/XX/XXXX, my loans were transferred to XXXX because I am taking part in the PSLF program. The problem is that my credit reports under all three credit bureaus are still showing my loans and loan account under Nelnet as active. Because my loans and loan account with XXXX are now also showing up as active on my credit reports, this makes it look like I have twice as many student loans as I actually do. I disputed the Nelnet loan account with XXXX, and the result was that the servicer, Nelnet, reported the account status as correct. I called to dispute with the other two credit bureaus, and was told that the outcome would be the same as my dispute with XXXX. I also contacted Nelnet when I first noticed this a few months ago, and they advised me to wait a month. I contacted them again a few months later, and was told the same thing. I contacted them for the 3rd time regarding this issue at the beginning of XX/XX/XXXX, and they changed their tune : they said that Federal Student Aid needs to contact the credit bureaus to report that Nelnet no longer services my loans. I then contacted the Federal Student Aid Ombudsman mid XX/XX/XXXX, and opened a case. Last week, the results of the case came back : I was told to contact Nelnet and open up disputes with the credit bureaus, which I already did ( I even explicitly mentioned this when I first spoke with the Ombudsman office ). I called the Ombudsman office again on XX/XX/XXXX, and was told that the result of the case was correct, and theres nothing that Federal Student Aid can do. I then called Nelnet again on the same day, and was once again told to contact Federal Student Aid, even though I told them that I already did. Please help me resolve this so that my Nelnet account can be marked as closed with all three credit bureaus. I dont know what else to do.
Consumer complaint received 2021-06-04
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: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

I am a victim of identity theft. Due to the XXXX XXXX  XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-06-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

In XXXX of XXXX, I received a letter stating that I owed money so I requested verification of the debt from XXXX the group harassing me and saying I owe this money back from XX/XX/XXXX. I specifically asked for verification with specific charges, merchants, and dates. Instead, on XX/XX/XXXX, I received a letter from " XXXX XXXX I, XXXX, '' which showed Capital One, the date of XXXX XXXX - XXXX XXXX, XXXX, with no transactions listed. Only my name and a past due balance. But XXXX 's letter said that the open date of the charge card was : XX/XX/XXXX. The charge-off date is listed as XX/XX/XXXX, with the amount of the debt owed is {$2700.00}. However, the new balance listed on the Capital One card is {$2800.00}. Credit card companies are not stupid and generally ad on fees, they do not subtract monies. Also, it's kind of strange that they couldn't produce any of the merchants or transactions that I asked them to verify. 
I don't know nor have I ever heard of XXXX but I know this account from XXXX was paid and closed in XXXX. I find it a shame this company is trying to defraud me for my hard-earned money.
Consumer complaint received 2022-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (TX)

XXXX  company -Procollect XXXX XXXX XXXX XXXX My account was never supposed to go to collections. I was on a 90 day payment plan after I moved out of my apartment XXXX XXXX. I made my first payment of {$100.00} on XX/XX/XXXX. I made my final payment of {$400.00} on XX/XX/2022. My total balance due was {$500.00} This error has affected me renting an apartment due to fact of it being on my credit report. Ive submitted paperwork to ProCollect and Ive spoken to XXXX XXXXXXXX XXXX
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

I disputed an XXXX XXXX account/tradeline on or around XXXX XX/XX/2023 with Experian. Experian alleges they conducted a re-investigation and provided the results on XXXX XX/XX/2023. Experian claimed " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. '' To be clear the " updated '' information is alleged to be for the same account/tradeline. It is clear Experian did not conduct a re-investigation because the comments for the dispute reference the account/tradeline XXXX XXXX XXXX with the comment SEND ITEM ALREADY MATCHES THE DISPUTE REQUEST. Therefore, Experian did NOT conduct a reasonable reinvestigation compliant with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Now, reasonable procedures under 1681e ( b ) are not proof of a reasonable re-investigation under 1681i ( b ). The re-investigation requirements under 1681i ( a ) mandates a more thorough investigation than 1681e ( b ) ( see. Chaitoff v. Experian Information Solutions , Inc., No. 21-2632 ( 7th Cir. 2023 ) ). While a CRA 's liability under the two sections may diverge depending on the facts, and while 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires more than a cursory examination investigation into a dispute, even a cursory examination of the documents I supplied to Experian for the disputed account/tradeline show the XXXX account XXXX as reported to Experian, is false/misleading/inaccurate because they are documents from XXXX for the same account that provide contradictory explanations for the errors in reporting, which XXXX acknowledges being aware of, but have failed to fix ( see XXXX XXXX XX/XX/2023 response in XXXX XXXX XXXX '' attached ). At this point Experian knows, or should know, the account/tradeline is false/misleading/inaccurate. Since Experian failed to conduct a reasonable re-investigation, the XXXX account/tradeline needs to be removed.
Consumer complaint received 2021-06-03
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. (TX)

I have contacted all 3 bureaus- XXXX  , XXXX  , Experian to have incorrect reporting information on my credit be investigated & removed. I have sent several letters dating as far back as XX/XX/2021. I recently spoke with rep for XXXX  and was advised the address they have online is incorrect for me to submit my dispute letters and that they never received them and I should resend. Fine, this time I sent certified mail XX/XX/2021 my now 2nd letter to them to request a signature from someone, they signed for it and received it. Today, XX/XX/2021 I called back to XXXX  and they are singing the same tune, lying that they have not received it when Cleary they signed for it. 

Same for XXXX, called them today XX/XX/2021 they claim to not have received my 2nd attempt to investigate and remove unauthorized incorrect information from my report. 

Called Experian- same, they are telling me they can't sat if they have or have not receive my dispute and I should call back another time. 

These bureaus have been giving me the run around since XX/XX/2021 and I have had it up to here with them!