davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Over a series of months I have contacted this company on multiple occasions through certified mail and emails asking them to provide me terms for payment as well as how to pay this debt, they have ignored every form of contact and will not provide me any information on how to settle this debt. They are putting it on my credit report and refusing to give me the information I need to even pay it.
Consumer complaint received 2021-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

In the midst of the pandemic my boss took over the payroll duties temporarily. He made out my payroll check for {$2900.00} However in the description line he wrote XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents. He did not notice the error and I did not catch it, I mobile deposited the check and it went through the drawn on bank. Citibank subsequently froze the account from the XX/XX/XXXX deposit to investigate. They determined that even though they could find no evidence of fraud they decided to close the account as well as my savings and I was informed that this would take place in 60 days. After numerous phone calls and stalling by them and statement notification of closure as of XX/XX/2021 I have still not received my funds of {$5700.00}. There has been more than enough time for this bank to refund my money. I have called and been promised and lied to non stop. I want this practice of freezing accounts and withholding of funds to have accountability by regulators and investigated as discriminatory since by anectdotal accounts by others- XXXX XXXX XXXXXXXX and XXXX sounding surnames are disproportionally affected by this practice. I will be more than happy to testify against Citibank.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 US C 1681 section 602 A states I have a right to privacy.

15 US C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2019-06-06
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Santander Consumer USA Holdings Inc. (NY)

Chrysler Capital has called repeatedly about a 2017 XXXX I purchased with my now ex-husband. I told Chrysler Capital I lost my son, could not work and my husband, a XXXX, was primary on the loan. My husband filed for divorce a year after I lost my son and I am now raising XXXX young children on my own with very little to no money and an XXXX  year old XXXX XXXX XXXX and XXXX year old son with a XXXX XXXX. I asked them not to call me again because I am often times waiting for my children 's doctor to call or tending to my children and at this point I was going to be talking to an attorney about bankruptcy, I have not yet been able to consult and retain an attorney. I told them my ex husband is a XXXX, therefore if they were to collect anything it would be from him so please don't call. They continue to call ( and ask for my ex husband even though I told them we are divorced and I have not heard a word from him ) almost daily. In the last week they have called XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX and I am sure it will continue throughout the week.
Consumer complaint received 2021-11-24
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 — Investigation took more than 30 days
Company: Navient Solutions, LLC. (AL)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2021-02-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY ()

I have been scammed last XXXX until XXXX by few fraudulent persons/companies. I have attempted through my bank but also directly to the respective bank and merchant to return back my money stolen by fraudulent people. 

I would appreciate if you could assist me recovering my money. 

Thank you Best Regards XXXX
Consumer complaint received 2021-02-22
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: CITIBANK, N.A. (NJ)

I purchased 4 tickets from a third party supplier on XX/XX/XXXX for a round trip to XXXX XXXX from XXXX in XX/XX/XXXX for {$1200.00} and I purchased seats separately from XXXX XXXX for both flights. After Covid struck and XXXX changed flight times, we were able to cancel flights from XXXX with a full refund in XXXX and they were able to refund my seat assignments directly to my Citi card ending in XXXX but the tickets had to get refunded back to the third party supplier on XX/XX/XXXX for {$210.00} each equaling {$860.00}. After calling the third party supplier about 10 times without success ( they kept using excuses like call back in another week to check if the credit is showing up and then it will go back to the credit card ), I called citi XXXX XXXX and told them what was going on and that I wanted my {$860.00} back and they could go after this company for their money because they got their refund. In XXXX, I got a letter from citi stating that they were putting the charge back on my card because the company stated that this was a VALID charge. I then sent supporting evidence to citi card clearly showing that this company got credit on XX/XX/XXXX for all four tickets and they again conditionally credited my account to reach out to them. Now they put the charge back on and want me to pay by XX/XX/XXXX my {$860.00} and are awaiting this company 's response? I have already proven my case and I should not have to pay anything at this point. They need to recoup the money from this scam third party supplier. If I do not pay by XX/XX/XXXX my cc will show a late fee and they are not expected to hear back from this company until XXXXThey will not answer them at this point and I have tried to speak to the dispute dept in the credit card company at XXXX but they keep hanging up on me. They are a terrible company and need to take it up with them and not the consumer when COVID is rampant and lives are being lost and jobs are scarce and my case is proven and they still want me to pay. I will cancel my credit card with them as well.
Consumer complaint received 2021-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I XXXX XXXX as a federally protected consumer am protected under the Fair Credit Reporting Act ( 15 USC 1681 ). The FCRA is intended to secure the right to accuracy, fairness, and privacy of my consumer information contained in the files of consumer reporting agencies and those rights have been violated. As a federally protected consumer, I have the right to privacy. Any and all information deemed private should not be posted to my consumer report ; Equifax is in direct violation of 15 USC 1681a ( 4 ) by furnishing this on my consumer report and is infringing upon my right to privacy. Equifax is also in violation of 15 USC 1681a ( 2 ) ( iii ) as I did not provide any authorization, written nor oral, to furnish the following hard inquiries on my consumer report - see Exhibit A : XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX. As a federally protected consumer, I am exercising my rights to choose not to provide this information on my consumer report and am asking that it be removed immediately. Equifax is also in violation of 15 USC 1681c-2 as these hard inquiries were the result of identity theft - see Exhibit B.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

I normally maintain a credit balance on my AA Citi Card ending in XXXX as I, prior to COVID-19 travel quite a bit as a guest speaker at financial conferences and can not always be assured of making specific payments. As a result, the card is set up for {$7200.00} per month to be sent from my bank to your bank for payment on the credit card. I was carrying a credit balance of {$2800.00} on XX/XX/XXXX and this credit was reversed, with a debit on XX/XX/XXXX with the reason given credit refund as requested. Several issues present themselves here. First, I did not request a credit refund. Second in over 22 years with Citi as a credit card customer Citi never did this on my account. When I signed on to chat XXXX responded and informed me that a check was being issued but it was being held because of a dispute with a merchant. The amounts in dispute, there are two of them, total {$120.00} and I will not belabor the lack of logic in the discrepancy of the amount held vs. the dispute nor the fact that this has never been the policy. XXXX continued to state that this was normal policy and I know it is not, at least not on my account for over 22 years. I believe that the funds have been misappropriated and that Citi is unable to provide a reason for either the difference or why, suddenly, the decision to remove a credit and cover it up by telling me it was as requested. I asked to speak with a supervisor but was advised to wait until one was available. I had simply asked for an email from a supervisor stating the policy and assuring me the check would in fact be processed. No supervisor was available.
Consumer complaint received 2021-02-22
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: EQUIFAX, INC. (MI)

Checking over my report today and I noticed some unusual activity once I notice this unusual activity I created a FTC report and I contacted the creditors multiple times they never provided me any information at all!!!!!! Inaccurate items on report should be removed the dates, and amounts dont add up either. 

XXXX XXXXXXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX Equifax Inquiries I do not notice XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-02-22
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: EQUIFAX, INC. (CA)

Hi i see inquiries that i dont recognize. I have reached out to the original creditors and they couldnt help me. I have sent a dispute before to you guys to delete these inquries I have no knowledge of. Please delete from my credit report or I will have to seek litigation. I did my research on the law and it stated per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile
Consumer complaint received 2020-06-18
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: Experian Information Solutions Inc. (FL)

Since XX/XX/XXXX Ive been trying to get Experian to report only accurate information to my credit report. On XX/XX/XXXX I submitted a complaint to the CFPB about Experian. The complaint was about Experians unfair credit reporting methods and there negligent noncompliance or willful noncompliance with the law. On XX/XX/XXXX Experian was reporting XXXX XXXX XXXX Account number XXXX with a balance of {$810.00} as a collection account on my credit report. This account was deleted off my credit report. 
On XX/XX/XXXX Experian reported the following collection account XXXX XXXX XXXX Account number XXXX with a balance of {$810.00} on my credit report. This is the same account sold to a different debt collector and added to my credit report again. 
Since this is the same account that was already disputed and removed from my credit report I am demanding this account be immediately deleted from my credit report.
Consumer complaint received 2020-06-17
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. (NY)

My complaint is directly with Experian. I have been working tirelessly to improve my credit. Can you explain to me how my credit score lost 30 points after I paid off IN FULL a collections account IC Systems!!! My score should have gone UP 30 POINTS!!! NOT DOWN!! I should clearly be over 600 points on my FICO Score with Experian! Is there anyone else paying off debts in this pandemic!!!! 
Experian is notorious for bullying consumers into low credit scores and using scare tactics to purchase their products to raise scores. You are manipulating my life with this score!!!!
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (PA)

Starting approximately one year ago I became aware that Experian Credit Bureau w as reporting on inquiries that I did not have a credit score. Twice I verbally was able to speak to representatives who assured me I had a good credit report and there should not be a problem. The problem continued and I submitted my complaint in writing during XX/XX/2019. I was sent a copy of my credit bureau report and told no problem existed. The report showed over ten satisfactory trade lines dating back 20 years. I have never missed a payment in my life. My XXXX  and XXXX  reports are both well over a 750 score. I recently applied for an auto loan and was denied due to no credit history on my Experian report. I have tried to make contact with them again, although I am unable to speak with anyone and their automated system does not allow me to submit a complaint on my issue. I believe my report is being blocked due to collection accounts for my son, who is a XXXX, which I fully disclosed in my XX/XX/2019 complaint. I was sent a clean report with no collection accounts when Experian responded. The other credit bureaus have no problem determining what is my information, but it appears Experian does. I can not get any information to see why my report is not being released. I have experience in banking / lending and feel confident they are holding my report. They have caused me financial damage of being denied and not being able to refinance my mortgage since a tri-merge report is used and no score reporting by Experian causes issues.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

ACCOUNT NAME : XXXX XXXX XXXX XXXX Everything has to be 100 % % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the dates are inaccurate, the date last active is inaccurate, and date last payment is not accurate. 
Payment status not accurate. Even the remarks arent accurate. they didnt even finish the investigation after months of calling ( its in the remarks ). The high balance isnt accurate either! 

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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ( WHICH WAS DONE MULTIPLE TIMES ) Also the Credit bureaus took more than 30 days to complete my investigation
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

LAW OFFICES OF XXXX IS IN VIOLATION OF THE ( F.C.R.A ) AND HAS A COLLECTIONS ON MY XXXX, EQUIFAX AND XXXX CREDIT REPORT THAT IS NOT MINE AND IM NOT RESPONSIBLE FOR.
Consumer complaint received 2019-06-06
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: STERLING JEWELERS, INC. (GA)

hello, the following cc company XXXX XXXX XXXX XX/XX/2019 XXXX are reporting the wrong information on my credit report. I have never been late or missed a payment, yet they have me showing 30 day late the problem I have is that the last report date and active date and payments dates are all inaccurate. each of the 3 cb are showing something different. they only report what they are giving. so with that being said whos to say the information that im 30 days late isn't an error on the creditors end. I would like them to fully investigate the problem and make the correct changes to there error.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Description of the Issue : I am filing a complaint regarding several unauthorized hard inquiries listed on my credit report with XXXX. These inquiries were made without my knowledge or consent, violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires explicit authorization or a legally valid purpose for accessing a consumer 's credit report. The unauthorized access negatively impacts my credit score and creditworthiness, as hard inquiries can remain on a report for up to two years.

Below is a list of the inquiries that were made without my consent : 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 XXXXXX/XX/XXXX I have already contacted XXXX via a formal dispute letter ( dated XX/XX/XXXX ) requesting the removal of these inquiries. However, the inquiries remain on my report. These inquiries were neither authorized nor associated with any legitimate application for credit initiated by me. Their continued presence constitutes a violation of the FCRA, and I am requesting the CFPBs assistance in ensuring they are removed promptly. 

Actions Taken So Far : Sent a dispute letter to XXXX on XX/XX/XXXX, requesting the removal of unauthorized inquiries. 
Provided detailed information about each inquiry, including the date, organization, and contact details, but the issue remains unresolved.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I noticed an incorrect or inaccurate report from a consumer reporting agency that I had a 30-day late payment with XXXX  XXXX XXXX XX/XX/XXXX. This account has always been paid on time and has never been late since XX/XX/XXXX. I have attached a copy of my payment records. The consumer reporting agency needs to report all information with complete accuracy. 15 U.S. Code 1681e - Compliance procedures and ( b ) ACCURACY OF REPORT. Below, I have attached an accurate credit report from https : //member.identityiq.com of all three bureaus reporting inaccurately. Therefore, I request you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding, and respectfully, I look forward to your immediate action.
Consumer complaint received 2020-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am reaching out for assistance with CapitalOne Bank. I called the company in good faith in hopes of making a payment towards the cards I have with them however I asked them to help me in eliminating the lates fees and reducing the high interest that the card has as a result of the current global pandemic. 

Due to the pandemic, I experienced a significant reduction of hours, have yet to be paid by the NYSDOL, and became sick for a period of 17 days with XXXX in which I was not able to work. I explained this to the agents I spoke with, instead they pushed and pushed on getting a payment as opposed to working with me. I reached out to their Executive Offices for assistance and have yet to hear back. And instead of working with me and responding to my inquiries, the bank went ahead and charged off the account damaging my credit. 

We are experiencing a global pandemic and instead of focusing on assisting customers who are sick, some of which are XXXX, the bank is focused on its bottom line.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian is reporting incorrectly a collection from the XXXX XXXX XXXX for XXXX XXXX XXXX account number ****XXXX for {$3800.00}. ( Please see page 4 of the attached credit report. ) I lived at this property from XXXX to XXXX. I never signed a lease nor did I ever owe any back-rent. This debt is fraudulent. XXXX and XXXX are reporting correctly. This false reporting is harming my credit score. Please remove this collection line item from my credit report.