davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please includeextension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX  XXXX XXXX never late XXXX XXXX XXXX never late Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Consumer complaint received 2023-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

Company has employment information on me and I am unaware of who they are. I requested a report from them on XX/XX/2023 reference # XXXX, and have not received either report or letter stating that they have no information/file for me.
Consumer complaint received 2021-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NV)

I owed XXXXXXXX XXXX XXXXXXXX ( XXXX ) {$1200.00}. They told me I could pay the debt with a credit card. On XX/XX/XXXX, I gave XXXX my Citi Card credit card number and authorized the charge to my credit card for {$1200.00}. In late XXXX, I was looking at my Citi Card account and noticed that I was charged fees and interest on a cash advance to XXXX. On XX/XX/XXXX, I contacted XXXX to find out why they put the transaction through as a cash advance. XXXX XXXX of XXXX assured me that she put the transaction through as a credit card charge ( I have an email from XXXX proving this ). I told XXXX that I would dispute the charge. On XX/XX/XXXX, I opened a dispute with Citi Bank about the transaction. On XX/XX/XXXX, XXXX notified me that it was their merchant that decided the transaction should be a cash advance and changed the transaction. In XXXX  XXXX, Citi Bank credited the charge back to my account. On XX/XX/XXXX, XXXX notified me that the cash advance transaction was credited back to my account and that I still owed them the {$1200.00}. On XX/XX/XXXX, I sent an email to XXXX with attachments showing that I mailed a cashier 's check to them with proof of mailing. On XX/XX/XXXX, Citi Bank notified me that they had concluded their investigation and found in favor of XXXX. Citi Bank said they were crediting the cash advance back to XXXX and charging me {$91.00} in fees and interest. Citi Bank stated that I had not proved that I cancelled the transaction with the merchant. That same day, I responded to Citi Bank showing that I paid XXXX separately by mailing a cashier 's check to XXXX and showed proof of mailing through Citi Bank 's secure mail system. Citi Bank responded and told me that the investigation was closed and that I can not open another dispute on the same transaction. On that same day I sent an email to XXXX asking them to credit the transaction back to my credit card. On XX/XX/XXXX, XXXX notified me that they were going to mail a check to me to refund me the extra {$1200.00} that I had paid. Citi Bank will no longer address this issue and has charged me {$91.00} dollars for cash advance fees and interest. I never authorized a cash advance transaction. I thought it would be easier to make an electronic payment through my credit card than by sending a check. XXXX never told me they would consider the transaction as a cash advance. They told me it would be a credit card transaction. I want Citi Bank to credit back the fees and interest charged to me for the cash advance transaction.
Consumer complaint received 2019-03-20
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (FL)

Good afternoon, I'm contacting you in reference to my Nelnet, Nelnet has been updating my account as delinquent for the past 4 months ( 120 days ) My accounts were consolidated with XXXX XXXX and I explained that to this company. I was told that the account would be placed on forbearance and no reporting would go further as, they do see the accounts is in consolidation status. this has caused a hardship on my credit rating my score has dropped over 100 points due to the failed actions by Nelnet My credit rating score was above 730. As this is a hardship on my file. I am requesting the removal of the negative rating on my credit file be removed from all reporting agencies XXXX, XXXX, AND XXXX. I need this done ASAP, as Nelnet is doing illegal collecting and reporting practices.
Consumer complaint received 2020-11-27
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (NY)

I attempted to make a payment on Audi Financial Services ( VW Credits ) website on XX/XX/2020 at approximately XXXX EST. The website allowed me to log in, but would not allow me to actually make a payment. I attempted to call Audi FS immediately to make the payment with them, but their offices were closed. I wanted to speak with a representative to ensure that my payment was made successfully. 

The following morning morning, XX/XX/2020 I first tried to call Audi FS, but again their offices were closed yet again. I was able to make the payment online at XXXX EST. To my knowledge, my payment is due by the XXXX each month. On XX/XX/2020, the system informed me that my payment would be considered 31 days late, and as a result would be marked on my credit. The system was not able to take my payment, but was easily able to threaten me. 

I attempted to make a payment within my 30 grace period, but Audi FSs system prevented me from doing so. I contacted Audi FS customer support on XX/XX/2020, and was told that nothing could OR would be done, as it was not their policy to assist customers with this. The representative made it clear that the only was that I could attempt to reconcile this would be to dispute it with the credit bureaus. I was provided a form to do so. This non response is unacceptable. The company first wants harm to come to its customer, and only then can it attempted to be fixed. 

I have approximately two years of on time payments with Audi FS, and many other years with other lending companies. To be told that it was Audi FS policy to not assist customers was highly disappointing. In addition to contacting the XXXX, I have also reached out to the CFPB. 

I am requesting Audi FS backdate my payment a mere 9 hours to when I initially attempted to make my payment. This would accurately reflect my on time payments. I am extremely frustrated at Audi FSs response, and lack of concern of the sever damage this will do to my credit history. I understand that issues can arise, but it is absolutely unacceptable to blame a consumer for a system issue.
Consumer complaint received 2020-11-27
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: AMERICAN ADVISORS GROUP (TX)

AAG dodges a simple question which does not lend credibility to a company who claims to be professional. The question is very simple, Where is it stated in in FCRA Section 604, that allows for verbal permission to access credit? In AAGs attached reply to my complaint, they claim they had appropriate permissible purpose under FCRA Section 604, per recorded verbal approval to complete the credit inquiry. AAG also claims their process has been thoroughly vetted and meets all applicable Federal and State requirements. AAG further claims my desired outcome of the application was the reason I am filing the complaint. This is not true. But AAG dodges the question and refuses to answer.
Consumer complaint received 2023-03-02
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. (FL)

In response to my previous complaint Experian advised that the data providers confirmed that reported info is accurate. However, they did not provide any evidence nor did they indicate when the old information will be deleted according to their records as it is over 7 years old. Therefore, please re-investigate and delete the following accounts as the last payments on these accounts were made more than 7 years ago : XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX XXXX account XXXX
Consumer complaint received 2023-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (NY)

I received a letter dated XX/XX/2023 that my account ending in XXXX was closed due to inactivity. Barclays was supposed to send me a new credit card in the mail that never came, so I'm unclear how they expect me to use a credit card and be active if they haven't sent me a credit card in the mail to activate. I received the letter today XX/XX/2023 in the mail telling me my account is closed due to inactivity and I would like to dispute this closure and demand the company to reopen my account. I am requesting this because it is clear in their records that the credit card that they attempted to send me in the mail was never activated, therefore it can not be confirmed that the card was in fact received by me. If a card is not received it can not be activated for use, therefore I can not be liable and held accountable for inactivity. I am demanding that Barclays mail me a new credit card in the mail and allow me to activate it and use it after reopening my account. I am also demanding that Barclays allow me to get access to all my statements on this account from the date of account opening. It is my understanding that this account was opened less than 5 years ago, so Barclays should still have all the statements for this account in their archive to send over to me. I am requesting all statements dating back to the first statement to be provided to me for review. I am hopeful that Barclays will resolve these matters to my satisfaction.
Consumer complaint received 2020-11-28
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (IL)

Westlake Financial is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX and XXXX. This account is in a closed/charge off status : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. They are currently reporting monthly LATE payments even as recently XX/XX/XXXX, along with PAST DUE balances. Also a false representation of the amount of debt on my credit file. Inaccurate statements of the balance due. All ( 3 ) bureaus are reporting ( 3 ) different dates of last payment, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. All ( 3 ) bureaus have different account numbers XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. XXXX XXXX and XXXX are failing to note that I have been disputing this account for multiple months.
Consumer complaint received 2023-02-28
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX/ XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX XXXX  XXXX : # XXXX has all 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 an 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 2023-03-02
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. (CA)

It is EQUIFAXs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting 7 inaccurate late payments for the XXXX XXXX account beginning in XXXX. These include a 30 day late payment posted in XXXX XXXX 120 day late payment posted in XXXX XXXX, 120 day late payment posted in XXXX XXXX 90 day late payment posted in XXXX XXXX, 60 day late payment posted in XXXX XXXX, 30 day late payment posted in XX/XX/XXXX and 30 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C.1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Consumer complaint received 2020-05-14
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: Santander Consumer USA Holdings Inc. (IN)

The below accounts we discovered on my credit profiles when I checked yesterday, because I was looking at buying a building and needed to know how my credit score. 

XXXX XXXX Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-28
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: EQUIFAX, INC. (IN)

I sent a letter out on XX/XX/XXXX XXXX, XXXX, and Equifax. Here is my tracking number XXXX. However its been more than 30 days and the credit Bureaus fail to send me my investigation back. This is not making any sense. According to the law 15 U.SCode1681i-procedures in case of dispute accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting Agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute the Agency Shall, free of charge, conduct a reasonable reinvest ovation to determinate weather The dispute information is accurate and Record The current status of the dispute information, or delete the items from the file in accordance with paragraph ( 5 ) before the end of 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller.
Consumer complaint received 2020-06-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (OH)

XX/XX/XXXX I XXXX XXXX are providing to you a statement of dispute. 
This is for the collection account with National Credit Systems. I received a collection notice for a prior residence at XXXX XXXX XXXX  claiming that I owed {$11000.00}. When I called the number on the collection notice at National Credit Systems I was told the debt account was no longer being handled by National Credit Systems that another party had the account. I was given another number to call. Spoke with a gentleman who could not provide solid clarification on exactly what the {$11000.00} balance was in reference to. I explained to him what happened at my last residence. Explained that I did not sign any contracts agreeing to any increases in rent, was never provided a late notice for any month prior to be moving out on XX/XX/XXXX. Was told by the leasing office just before moving that they never received rent for 11 months from the renting agency I was receiving a rental subsidy from. Yet was never provided a late notice or demand for rent any of the 11 months they claim they never received rent. Was never evicted, taken to court. I gave my 30 day notice in XXXX and still was never provided any documentation for this balance. Requested validation of debt from XXXX XXXX prior to moving was never provided to me. The collection agency had no idea specifically what the debt was from. I requested verification of a prior lease they did not have that documentation either. How can a resident reside at a property and be told 11 months later that they owe almost a years worth of rent, and never be evicted or taken to court. No judgements filed. Please remove this item due to being inaccurate and unsubstantiated. Theres no signed documents or proof of this debt. This collection is significantly impacting my financial future alongside providing a good quality of life for my XXXX child. 

Thank you for your attention to this high level of importance. 

XXXX XXXX XXXX.
Consumer complaint received 2020-05-29
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. (TX)

I disputed my Experian credit report for saying I had made late payments to my mortgage company, XXXX XXXX. They were incorrectly saying I had by been late on my mortgage by more than 120 days for four months. 
This information was incorrect. 
I started the dispute process on XX/XX/XXXX. 
After a separate complaint to the CFPB about XXXX 's handling of this situation, XXXX sent a letter on XX/XX/XXXX saying it communicated to all three credit bureaus that my report should show paid-as-agreed and not late. 
The other two credit reporting bureaus show this information accurately and confirmed by phone that there are no negative marks on my credit from XXXX. 
Experian still shows it as negative. 
I submitted the letter from XXXX earlier that week to show this was not the case. 
I called Experian and they said XXXX told them on XX/XX/XXXX that it should be marked as negative. 
Experian said it will take 30 days or more for them to investigate an issue that's already been investigated and found in my favor. 
This is unacceptable.
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MA)

My Torrid Credit card was paid in full. However, they received my payment late and charged me {$1.00}. Then they did not contact me and continued to charge me interest and fees on the {$1.00} from XX/XX/XXXX until XX/XX/XXXX. I called and resolved the matter. They have removed the fees and my balance is back to XXXX. This was a mistake on their end. My XXXX score has been severely damaged because of their mistake. I have many hard inquiries and my score has dropped significantly.
Consumer complaint received 2023-02-27
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. (MI)

I have noticed that there are several late payments that are reporting on my credit report. I have been trying to get this issue seen about for months with XXXX, Equifax, and XXXX regarding the reporting of late payments. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ] ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumercredit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Late Payments that are reporting that shouldn't be : XXXX XXXX - XXXX Account # XXXX ) XXXX XXXX XXXXXXXX - XXXX Account XXXX XXXX ) XXXXXXXX XXXX XXXX ( Account # XXXX ) XXXXXXXX XXXX XXXX - ( Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - ( Account XXXX XXXX ) XXXX XXXX XXXX - ( Account # XXXX ) XXXX XXXX - ( Account # XXXX ) XXXX - XXXX Account # XXXX ) XXXX - ( Account # XXXX )
Consumer complaint received 2020-05-29
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)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name XXXX {$340.00} XXXX {$160.00} XXXX {$590.00} XXXX {$300.00} XXXX {$20000.00} XXXX {$500.00} XXXX {$30000.00} XXXX {$120000.00}