davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

I was notified via text and email on XX/XX/XXXX that my Citibank Credit card was used for fraudulent purchases. Upon being notified I called Citi, confirmed the charges showing to be fraudulent, and had that credit card closed. From there, the charges showed to be in dispute status, and cleared through the Citi app a few days later as taken off my credit card statement. A week later my new credit card arrived and life moved on. 

In mid XXXX, I received a VM from what sounded like spam saying I needed to confirm the charges again to be fraudulent. As I did not recognize the number and was suspicious of the call, I thought the best course of action was to call my credit card company directly using the number on the back of my card. When I connected with a customer service rep and asked what further was needed, they responded that everything looked good for the case, and no further action was needed on my part. 

Early this month, one of the fraudulent charges showed back up on my credit card for the amount of {$1700.00}. XXXX was listed as reverse charge from XXXX 's in North Carolina. I called Citi on XX/XX/XXXX to ask why this was reissued. They stated at the time that the merchant ( XXXX 's ) has disputed the fraudulent claim so they had to reissue the bill. They asked me further questions regarding this charge, of which I confirmed it was not me or my wife 's doing. They said it would be resolved within 48 hours. On XX/XX/XXXX I called again to Citi, as the charge is still showing on my account. I spoke to supervisor XXXX XXXX and asked why this had not been resolved. She said when they have a merchant fight a disputed charge, the charge can be reissued and she can not remove it until a 3rd party company confirms it was fraudulent. She admitted on the call that this looks pretty cut and dry, and said she would email her team to have the charge credited. As of this morning, XX/XX/XXXX, it still shows on my credit card. 

In Citi 's report initially, it show someone used my wifes name and our credit card to order sprinkler equipment online from XXXX 's. It looks to then have been picked up at a location in Florida. The customer name on the order is not ours, with a different email and phone number used. The report says that XXXX 's checked ID but did not capture signature. If they checked ID, there is no way they could have confirmed being my wife or I. Attached is a copy of this report. On page XXXX its pretty clear the customer is not me. 

XXXX XXXX at Citi gave me her email as XXXX. She said to put in the subject line her name so she gets the email. I need help getting this removed from my credit card, as my statement comes due on XX/XX/XXXX, and I don't want this fraudulent charge a part of it with subsequent interest attached if I don't pay. 

Your prompt response to this matter is greatly appreciated. 

XXXX XXXX - Citi Double Cash Card Owner
Consumer complaint received 2018-11-08
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: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX pay off credit cards From XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Are all pay and close
Consumer complaint received 2023-06-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (NY)

Credit Acceptance continually has my account showing the incorrect amount due. I owe {$820.00}. They claim the current balance due is {$1300.00}. That would me I am 2 months behind, which is incorrect. Also, they are not reporting a reduction in balance to the credit bureaus. The balance is showing -1 % paid off. That means they are pocketing my money and not applying it to my vehicle. When I request to have all communications in writing, they refuse. And provide no contact information other than a phone number.
Consumer complaint received 2023-06-16
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)

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 numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX  Account number:XXXX  has violated my rights. Or list of inquiries 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 2023-06-16
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: Experian Information Solutions Inc. (FL)

Per the FCRA, I am a federally protected consumer. According to the law, consumer reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and Experian are classified as consumer reporting agency, and I by definition am the Consumer. Pursuant to 15 U.S Code 6801, it is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX per 15 U.S Code 6801 is defined as a financial institution ; of which I am sure the U.S. Department of Justice, the U.S. Department of Housing and Urban Development, the U.S Securities and Exchange Commission, and the Office of the Comptroller of the Currency [ would ] consider any information that this institution engaged in illegal credit practices before the end of the institutions next performance evaluation. XXXX XXXX is in violation of 15 U.S Code 1681a ( 2 ) ( A ) ( i ). XXXX XXXX is under the regulation of many laws and as previously mentioned one of those is the FCRA, which states the term consumer report DOES NOT INCLUDE any report containing information solely as to transactions or experiences between the consumer and the person making the report. Pursuant to 15 U. S Code 1681c ( a ) ( 5 ) the publishing of any adverse item of information should not be on any consumer report. It clearly states except as authorized under subsection ( b ), 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. This is a violation as they are reporting these items without my permission. 15 U.S Code 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violation of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title.
Consumer complaint received 2023-06-16
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. (GA)

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 XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX XXXX Bankruptcy Account Number:XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-06-19
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)

TO WHOM THIS MAY CONCERN : PLEASE REREAD ALL COMPLAINTS AGAINST EXPERIENCE CREDIT REPORT SERVICE I HAVE PUT IN COMPLAINTS AGAINST EXPERIENCE FOR THE SAME ISSUES DATA BREACHE OF MY PERSONAL INFORMATION, THATS ALSO ON DARK WEB I HAVE UPLOADED SCREEN SHOTS OF SAME INFORMATION NOW THEY SAID SEVERAL TIMES THAT THEY HAVE FIX THE DATA BREACHES ON MY CREDIT REPORT SENSE THE OTHER COMPLAINTS SAME ISSUE PLEASE GO BACK AND PULL EVERY COMPLAINTS REPORT THAT I MADE AGAINST EXPERIENCE, BY PULLING ALL THE COMPLAINTS REPORT U WILL SEE THE SAME INFORMATION THEY SAID IN ALL OTHER REPORTS THIS ISSUE SHOULD ALREADY BEEN CORRECTED THE FIRST TIME WHEN THE UPLOADED PICS SHOWING ALL THE DATA BREACHES OF MY PERSONAL INFORMATION WAS STILL COMPROMISE THEY HAVE LIED TO ME THE CONSUMER BASICALLY THEY HAVE LIED IN GOVEMENT DOCUMENT AND COMPLAINTS
Consumer complaint received 2023-06-19
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Enterprise Systems, Inc. (NY)

I had a student loan debt taken out for my daughter in XXXX. I believe it defaulted in XXXX. I have been making payments that were automatically deducted from my account. The payments were made to National Enterprise Systems. Around XX/XX/XXXX, I received a letter from XXXX XXXX XXXX, another debt collector, stating that we had an account with XXXX XXXX XXXX XXXX XXXX and that a payment of {$14000.00} was due immediately. When I called to find out what was happening, I was told that the last payment made was in XXXX and that the debt was due in full now. I did not notice that National Enterprise Systems had stopped deducting payment. Upon review of my bank statements, I found that the last deduction was on XX/XX/XXXX. 

I called National Enterprise to find out the reason the payments stopped coming out. Their response was that there was no active account under my name or my husbands name. I also asked XXXX why the payments stopped and their response was that they had no information other than the debt was due in full. They also offered a settlement amount of around {$12000.00}. 

I am trying to find out why payments were stopped by National Enterprise that led to the debt being owed in full. When I spoke to the representative at XXXX I explained that I don't have a problem paying the debt, but that I can't make a lump sum payment and shouldn't have to since I had been on a payment plan with National enterprise and was taken off the plan without my knowledge. 

To be transparent, they did not mention anything about a lawsuit to recover the funds and when I asked of they would pursue one, the representative said that was not what they do, that they are here to help us resolve the debt. I stated to the representative that, as a point of reference, the statue of limitations is 6 years in New York State.
Consumer complaint received 2018-11-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (TX)

I applied for a XXXX dollar loan with XXXX XXXX to attend XXXX The XXXX University In XXXX for Fall of XX/XX/2018. XXXX took the money before I ever even got to register for classes. I attended there for less than 24 Hours and came back to US and Informed XXXX XXXX That they needed to Cancel the Loan seeing that I wasnt a student at XXXX. XXXX XXXX said they couldnt Cancel because XXXX Took the loan already but XXXX took the loan during the summer before I was Officially a student. Ive asked XXXX XXXX and Have tried to explain my situation to XXXX XXXX and explain XXXX Fraudulent Actions and they have been no help and the XXXX is putting a big toll on my family.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is an inquiry on all of my personal consumer report from XXXX ( XXXX ) that I did not make or recognize, and would like to have it removed and report updated from Transunion, XXXX and XXXX credit bureaus.
Consumer complaint received 2018-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (CA)

To whom it may concern, The XXXX XXXX AAdvantage card, managed by XXXX, has instituted predatory and unfair policies that have led to a drop in my credit score. I want my credit score fixed. 

In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. 

The company sneakily instituted a new policy this year of a minimum monthly charge, notifying existing customers only in fine print. I have had this card for several years and rarely use it, and I was not aware that the company had suddenly decided to charge every customer {$2.00} each month. Since I don't use the card, I did not check my bill monthly - assuming, quite logically, that my bill would be {$0.00}. But because of this sneaky monthly charge, I began accruing late fees and more charges without my knowledge, eventually leading the company to report a lower credit score - - despite the fact that I had paid off all the real purchases I made with the card. 

I called several times and spoke to several customer service representatives, all of whom gave me a different explanation for the fees. One of them finally explained that the reason I was accruing late fees despite never using the card was the new monthly charge policy, but this person refused to change my credit report, citing " company policy. '' I'll repeat this, because it bears repeating : In the entire year of 2018, I made {$23.00} in purchases with this card, all of which I paid off. I do not deserve to have my credit rating drop. 

Thank you very much.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (GA)

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 Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-06-16
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: Experian Information Solutions 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 XXXX Account XXXX Account name : XXXX XXXXT Account XXXX Account name : XXXX  XXXX XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX Account name : XXXX Account Number:XXXX Account name : XXXX Account Number:XXXX  has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-06-16
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: Experian Information Solutions Inc. (IL)

In accordance with the Fair Credit Reporting Act XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX MISSED PAYMENTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX  MISSED PAYMENT 15 USC 1681 SECTION 602 states I have the right to privacy.

15 USC 1681 SECTION 604 SECTION 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC code 1681a states Defintions ; rules of construction - Exclusions. -- Except as provided in paragraph the term " consumer report '' does not include -- any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B states - A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

THE FCRA ALLOWS 30 DAYS FOR THIS TO BE RECTIFIED.
Consumer complaint received 2023-06-19
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: Maximus Federal Services, Inc. (NC)

Hello, I recently received a response to a dispute that I made under FCRA 611a regarding questionable and inaccurate items ( s ) around XX/XX/2023, on my credit report. I was confused when I learned you somehow " verified '' the disputed items, and they are still on my credit report. Can you confirm how this investigation was conducted and what the XXXX  was that was used? I am not disputing this again ; I'm specifically asking for the method of verification for the below. 

As you know, in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), the courts ruled each and every time that the XXXX couldn't merely " parrot '' data from the creditors and collection agencies ... that were required to conduct an independent REASONABLE investigation to ensure the validity of the debt and the integrity of the creditor and collection agency in question. Sending out a generic form through the XXXX system for the dispute is not reasonable! Please FULLY validate with details on how you verified this ( names of people you spoke with and contact numbers ). If you are unable to do so, DELETE THIS ACCOUNT off my credit report forever, or I will gladly escalate to the CFPB and have my consumer protection attorney file court proceedings. 

Thank you and I sincerely look forward to your response.
Consumer complaint received 2023-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

Notice of Dispute. 
On XXXX Midland Credit Management defamed my character, slandered my Credit and Invaded my Privacy to all the main Credit reporting agencies and several of the junior credit reporting agencies. I don't have a contract with this company, nor do I owe them any alleged debt they claim to be owed. I have been injured by this company and demand full redress from this unlawful act.
Consumer complaint received 2023-06-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2018-11-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CIR, Law Offices (CA)

XX/XX/XXXX Federal Trade Commission Bureau of Consumer Protection Washington, DC XXXX Re : Complaint against a Debt Collector Dear Sir or Madam : This letter serves as my formal complaint against the abusive debt collection practices of CIR Law Offices XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX California XXXX. 

In XXXX of XXXX, CIR Law Offices began the following practices in violation of the Fair Debt Collection Practices Act : ( 1 ) Refusing to send any documentation of the debt-payment agreement, and failing to send any validation of the debt or notice of my right to dispute the debt.

( 2 ) Attempting to collect a debt past the statute of limitations in my state.

I understand that you can't represent me in resolving this matter ; however, I would like to report their activity so that you can take action against them if you receive numerous complaints.