davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-19
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. (WA)

I'm honestly not sure how to even approach this. I received an email with Experian asking me to confirm if a vehicle was mine. I have a credit freeze at all the bureaus so no loans should be able to be taken out but I logged in. The vehicle they are asking about? My roommate 's XXXX  XXXX. It is paid off. There's no reason to even ask about it because there is no reason for it to be on " my credit report ''. I was never on his loan. I was never on his title. As far as Experian is concerned? We are complete strangers. 

This is not a question they should be asking me AT ALL. We do not share the same last name. We do not share any financial information or bank accounts. Our finances are NOT co-mingled in anyway. 

I can not begin to understand what Experian is doing here but it is so beyond what is appropriate. 

What if I had said yes and claimed this vehicle as mine? It is paid off?
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BlockFi Inc (WA)

I store funds on BlockFi. BlockFi has paused all withdrawals, implying I have no access to my funds at all. They've given few details as to next steps or possible outcomes of these funds. I'd like to file a complaint so they may release my funds back to me.
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc. (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-10-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OK)

I was looking through my credit report and these unverified accounts still reflects negatively in my credit report. I've asked each one of them along with the credit bureaus to please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature and me authorizing an inquiry. In the absence of any such documentation bearing my signature. and I formally request to remove these unverified negative accounts and all non-account holding inquiries over 30 days old in my credit file. Please note that Ive given them plenty of time to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2022-09-27
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: MicroBilt / PRBC (formerly CL Verify) (NY)

See attached. MicroBilt is violating my privacy rights. I did not give them written consent to share any information about me pursuant to 15 USC 1681b. In addition, I do not have a contract nor an agreement with MicroBilt. I sent a request to opt-out and theyre requiring that I send them identification documents to process. Does this make sense? They never had permissible purpose to share information about me in the first place. This is another violation of my privacy and aggravated identity theft. MicroBilt is fraudulently using my non-public information for their financial gain. If MicroBilt is aware of the laws, the opt-out disclosure is required to be presented to the consumer BEFORE information is shared without their permission pursuant to 15 USC 6801 and 15 USC 6802 . I have rights as a consumer and nobody can waive them pursuant to 15 USC 1693l.
Consumer complaint received 2022-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (FL)

On XX/XX/XXXX I called Edfinancial to request a refund due to financial hardship and allowed through the XXXX act. I requested a refund of my payments made to them from after XXXX 2020. 
XX/XX/2020 {$18000.00} XX/XX/2020 {$200.00} XX/XX/2020 {$200.00} XX/XX/2020 {$200.00} XX/XX/2020 {$200.00} They told me they will submit the request. 

Last week I see that my balance has been reinstated on my account to - {$18000.00} on the EdFinancial website. However, on Friday, XX/XX/XXXX, I see that my balance is back to {$0.00}. Through their website I chatted with an agent who told me that the Department of Education denied my request because the payment of {$18000.00} was made by a " third party consolidator ''. The payment was made by a third party who I allowed to pay off the balance of my loan. I requested that Edfinancial resubmit the refund request and I was informed by the same agent that Edfinancial can not and will not submit another request. I asked about my the refund status of my other payments and I was told they are still in process. So I called Edfinancial and the next agent I spoke with told me the same denied information but did agree to resubmit my refund request.
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

All XXXX major credit bureaus : XXXX XXXX, Equifax, and XXXX. 
My legal name is XXXX XXXX, XXXX. I have submitted requests for confirming name from State Driver License, and Social Security Card confirming number. 
They are still refusing to carry my report as XXXX XXXX, XXXX. 
Most of the accounts on the reports, totals are incorrect as I have paid recent debts credit cards or personal loans over XXXX, and several account balances are wrong. 
The XXXX scoring methods are based on incorrect data and negatively affecting my ability to rent or Rent to Own, or Purchase a home or to get moved. 
I sold my home on XX/XX/2022 and immediately began paying off debt, yet most accounts are not being reported correctly. This is negatively affecting my Debt to Income Ratio which is extremely important to underwriters in the loan process. 
I am still living in the home sold, but paying market rent, which is currently exorbitant compared to my income as a Retired Single man. 
All XXXX are currently FROZEN until I can begin the process to correct all XXXX reports. 
When should I begin to remove these Freezes so, the corrections can be completed??
Consumer complaint received 2021-02-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AMERICAN EXPRESS COMPANY (NC)

American Express reported fraudulently account no. XXXX in XXXX, XXXX, and XXXX XXXX Bureaus as Consumer acct opened on XX/XX/XXXX as charged off bad debt of {$4900.00} & balance updated XXXX XXXX, XXXX. This is not my acct and correct acct no not reported in Credit Report ending in XXXX, amount paid as agreed per mo. has never been reported. American Express refused to remove this fraud acct from my Consumer Credit Report. XXXX, XXXX & XXXX is not accepting my disputes and reduced my FICO from XXXX to XXXX destroyed my credit for seven years. Also AMEX is reporting this same acct # XXXX acct as charged off {$1500.00} as bad debt with balance due {$880.00}. I pay AMEX {$49.00} on the XXXX of each mo. Auto pay from my XXXX XXXX XXXX XXXX under the correct AMEX acct # ending in XXXX that is not reported in Consumer Credit Report. This is not a collection account no. XXXX. 
On XX/XX/XXXX, I received an Email from XXXX XXXX XXXX, XXXX, Attorney at Law, XXXX XXXX XXXX, XXXX, MA, XXXX. The letter stated that This communication is from a debt collector. This is an attempt to collect a debt & information obtained will be used for that purpose, file no XXXX creditor American Express # XXXX. '' I did not opened an acct with AMEX on XX/XX/XXXX.
Consumer complaint received 2021-10-18
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. (TN)

I have contacted all the Credit Bureaus/Agencies ( Experian and XXXX ) and the Creditors ( XXXX, XXXX Auto, XXXX, US Dept ED, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately.
Consumer complaint received 2024-10-10
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. (SC)

This company has violated my rights as a consumer. Article 1022.43 of Regulation V states the following. General rule. Except as otherwise provided in this section, a furnisher must conduct a reasonable investigation of a direct dispute if it relates to : ( 1 ) The consumer 's liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; ( 2 ) The terms of a credit account or other debt with the furnisher, such as direct disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; ( 3 ) The consumer 's performance or other conduct concerning an account or other relationship with the furnisher, such as direct disputes relating to the current payment status, high balance, date a payment was made, the amount of a payment made, or the date an account was opened or closed ; or ( 4 ) Any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

My rights as a consumer were not upheld. Not only did this company fail to ensure the accuracy and completeness of my account, this company is still reporting to the bureaus even though the debt no longer belongs to them but rather a 3rd party. There was no investigation into my direct dispute. I know this to be true because the debt does not belong to Opploans anymore, yet the account came back as verified. Footage of me speaking with a representative can be found below. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

According to 15 USC 1681e 607 ( b ) Accuracy of Report ; and FCRA You have the right to dispute incomplete or inaccurate information '' All three ( 3 ) credit reporting agencies, XXXX, XXXX and Equifax has report different account balance amounts, payment amounts and number of closed accounts on my credit report regarding my Revolving Accounts and Installment Credit Accounts. 

Inconsistencies in reporting can be a negative impact on my credibility for future access to credit cards, mortgage loans, car loans etc.
Consumer complaint received 2020-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion keeps reporting a debt from 2009, the company XXXX XXXX they continue to report about has been disputed twice and removed from other bureau 's. This debt has no supporting documentation from the collection agency, nor has ever provided me with any such documentation. Transunion is continuing to report something that is 1. ) too old and 2. ) not even valid and has no supporting documentation from XXXX hospital. this is from XXXX trying to keep me in a contract that was only 1 year old and required renewal. I never renewed with XXXX hospital and all of my dogs Dr bills were PIF and they actually refunded me like {$9.00} in the store due to this being a confused mess. There is no 2nd year of doggie insurance EVER requested nor approved by me. If they want to collect they need to provide documentation YET IT '' S OVER 7 YEARS OLD. 

I have done everything I can do to remedy this but as stated there is no contract, no signed documents, nothing that supports this debt and further nothing to verify the debt and again they refunded me aprox {$9.00} after this mess. 

If there is they should have provided it to me from 1. ) XXXX back in 2009 and 2. ) From XXXX XXXX and 3. ) from Transunion. NOT 1 place has ever provided me with documentation OF THIS DEBT. Just says it's owed but no signed document from me or anything of the sort. 

I am requesting a remedy and/or Valid documentation to be provided NOW. 

Thank you, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (OK)

Some one has got several students t loans in my name. I was incarcerated during moat of them most are loans from the XXXX XXXX XXXX Auth. There are some other private companies as well XX/XX/XXXX - {$650.00} XX/XX/XXXX - {$1100.00} XX/XX/XXXX - {$640.00} XX/XX/XXXX - {$330.00} XX/XX/XXXX - {$1800.00} XX/XX/XXXX - {$2200.00} XX/XX/XXXX - {$370.00} They're ruining my credit. I've already filed with the federal trade commission and made a police report back in XXXX when I got out of prison but nothing is being done.
Consumer complaint received 2022-10-13
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. (FL)

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-12-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (NY)

How Citibank Policies Let Fraud Win and Penalize Working Parents Im a longtime XXXX XXXX and filmmaker who has spent years working on documentaries and collaborating with nonprofits across XXXX, including XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX  I live in XXXX with my family, including my spirited XXXX daughter, who inspires much of what I do. 

Recently, I directed and produced a short documentary funded by the XXXX XXXX, which provides grants for XXXX education. This project was deeply meaningful to me, both as a filmmaker and as someone dedicated to preserving history and raising awareness. 

But in XXXX, while working on this project, something devastating happened : a check I issued to a crew member was stolen and whitewashed. The thief altered the amount to {$4900.00}, changed the payee, date, and even forged my signature. They cashed it successfully. I only discovered the fraud months later while reviewing records after a particularly overwhelming periodbalancing this film, raising my daughter, and trying to help my dad from afar when he suffered a XXXX. 

Initially, Citibank acknowledged the fraud, reimbursing me because the handwriting didnt match mine. It seemed like a clear-cut case of fraud, especially since I have a carbon copy of the original check and evidence that the criminal involved is a wanted felon. However, weeks later, Citibank reversed its decision, citing a XXXX reporting window in their policy. This reversal felt like a punishment for being a working mother with caregiving responsibilities. 

Even my XXXX XXXXXXXX admitted she doesnt always review her statements within 30 days. And my contact at the XXXX XXXX summed it up perfectly : These for-profit companies are set up to deny claims, letting felons win and saying they dont care about the fraud. It feels like a system designed to favor corporations over consumers who may not have the time, resources, or energy to fight back. 

This experience has left me questioning whether policies like these genuinely serve the publicor if they are simply a way for banks to avoid accountability. Are we really expected to act as our own fraud departments, sifting through every transaction while managing the demands of work, family, and life? 

It reminds me of something XXXX XXXX XXXX, a XXXXXXXX XXXX and subject of one of my earlier films, often said : Just because something is law, does not make it just. Policies like these dont serve justice ; they protect profits at the expense of consumers like me. 

This situation is not just about one check. Its about how systems fail people every dayespecially those who already have too much on their plates. Its time to start the larger conversation about the responsibility of banks to protect their customers, not penalize them for being human. 

XXXX XXXX
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (KY)

This complaint is regarding Comenity Banks system outage that has been going on for the last month. I, along with millions of other users, have been trying to make our payments. They claim to have an easy pay system online now, that does not work, and their call centers are also entirely shut down, making pay over phone impossible. No account information is available either, thus unable to see due dates, amount due, interest, etc. One of my accounts with them has already been reported as late- which must be immediately removed, as it is inaccurate reporting as it was by no fault of my own but the companys that I, as so many others, are unable to submit payment. I want action taken and this issue to be resolved promptly. I do not believe my information is safe, nor do I believe they are making any attempt at accurate reporting.
Consumer complaint received 2021-10-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current (MS)

I opened an account with Current to be able to give my teens an allowance on a debit card. This is a service I paid for. I set up my account with my regular bank account and debit card. The debit card expired and the bank account kept saying I had to reverify to work. It wouldn't reverify. So I contacted Current 's customer support. They kept telling me to just reverify. Well, that was the whole reason I contacted them. Then they manually removed my bank account for me to re-add it. Now it can not be added at all, and they won't add a new funding source in the form of a debit or credit card. So I have paid for a service that they are not providing.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

CHILD IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREE TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE FEDERAL TRADE COMISSION. I ASK SOMTHING BE DONE ABOUT THIS.
Consumer complaint received 2022-02-17
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION (MD)

I am a co-signer on my son student loans. He is serving in the XXXX XXXX right now and have been for the lats 6 years and attending school. his loans are in deferment Sallie Mae keep sending notices anyway since covid and sending them to our credit report with the loan in deferment. I have contacted them, and they have yet to correct this. 
please help my credit score is taking deep down which will hinder my job. 
Report Number XXXX