davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-14
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. (CA)

In XXXX, I tried to purchase some souvenir in XXXX from XXXX XXXX ( the vendor ). After swiping my card and taking my signature, the vendor demanded copy of my passport and my social security number before he would hand over the souvenir to me. This appeared a scam and I refused to share this information. I walked out and the vendor did not give me any product. When I saw the charges on my credit card, I disputed it with Citibank, clearly telling Citibank that I did not get any product from this vendor. In their response to my dispute, the vendor admitted that they did not give me any products. 

This was an attempt to extort money from me in a foreign country and despite of knowing all the facts : - Vendor asked for illegal information ( copy of passport and social security ) - I did not receive any products from vendor Citibank is asking me to pay for this charge. Citibank 's fraud department told me that Citibank customer service should simply waive this charge as I never received any goods or services. 

The card used for this transaction has expired since then and Citibank has issued me a new card with a different number that I have provided as part of this complaint.
Consumer complaint received 2023-01-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I have tried reaching out to the company and I have not received any response. XXXX requesting a removal of item This not my account and by the way this is me XXXX XXXX so please dont sent me any proganda in the mail as a stall tactic respectfully
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (CA)

I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}. {$220.00}. 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 
Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$16000.00} -This is not my account. 
-- OTHER ACCOUNTS -- XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of {$220.00} -This is not my account. 
I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon.
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (CA)

I sent a letter on XX/XX/2022 to remove these items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXXXXXX .... Balance : {$620.00} ; XXXX XXXX XXXX .... Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX .... Balance : XXXX XXXX XXXX DC XXXX .... Balance : {$0.00} ; XXXX  XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX .... Balance : {$1100.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$18.00} ; XXXX XXXX XXXX XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$140.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXXXXXX .... Balance : {$1700.00} ; XXXX XXXX  XXXX XXXX XXXX 
Balance : {$820.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00}
Consumer complaint received 2023-01-14
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: Nelnet, Inc. (GA)

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-14
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: CarMax, Inc. (NV)

Unfortunately I have become a victim of identity theft over the course of the last 10 years that I am just now finding out about. 

Unauthorized collection accounts from identity theft : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the inquires listed above have mulitple postings to my credit report. I have always lived at home with my parents. I have never lived on my own nor have I ever had utilities in my name. I believe my identity has been compromised for over the course of about 10 years. I have not been able to recognize a lot of the information on my reports and I am utterly concerned and would like to address this immediately. 

I have attached to this report, the FTC report that I have sent to all unauthorized closed & charged off companies, as well as to all soft/hard inquiries and they are verifying inaccurate information. Please help.
Consumer complaint received 2019-05-20
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. (GA)

XXXX  XXXX XXXX XXXX conducted a hard inquiry on my credit report. Equifax states I need to contact XXXX XXXX XXXX XXXX to initiate the dispute. With a letter from them, I would then submit it to Equifax in order to remove the inquiry. 

This process leaves the power of an institution to make a mistake and removes my ability to have any effect on my credit file. As I have no relationship with this institution they may be less interested in providing me a letter which can lead to an inordinately lengthy resolution, if one can be attained at all. 

This is a problem!
Consumer complaint received 2023-01-14
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: Experian Information Solutions Inc. (SC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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
Consumer complaint received 2019-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Unfortinately due to divorce jobless homeless but now back on feet. i became behind on loan with bank of american for {$35000.00} which i have had since XXXX. 15 years and nowhere near able to pay off a predatory loan. So during the time i was getting back on my feet i was notified that my loan had been transfered to collections to XXXX XXXX XXXX. i started contacting them. The big problem has been a continuious issue with credit reporting between BOA and XXXX  due to they are linked companies. I have kept a good payment record with XXXX but the problem was BOA would be reporting wrong if i disputed my credit accounts XXXX-present. BOA is a closed account but when it was disputed all the sudden the account had a {$35000.00} balance on a closed account. this was dropping my credit score down to 500 's  .After several months of fighting between BOA and credit bureaus i got that issue fixed. for the moment! 
Now to my big issue. BOA is reporting late payments to date on their closed account with me. This was transfered to XXXX inXX/XX/XXXX how is this possible?? XXXX credit report shows on time payments. i have fought this abt from beginning of XXXX i was calling back and forth between BOA and credit bureau 's and three way. no progress in fixing situation. Even with faxed letter from BOA with filed dispute and BOA own investigation with XXXX investigation without change! six months of dropping credit scores. This kept me from refinacing several times last time with XXXX XXXX. i find keeping credit scores down is purposefully done to keep the preditory loan inplace to make nothing but interest and loan that can never be paid off.
Consumer complaint received 2023-01-08
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)

EXPERIAN LLC CREDOT BUREAU is refusing to honor my request to have items blocked due to identity theft. I have sent in all required documentation and have disputed items several times over past year. Experian is not properly investing claims, some of these accounts are " internet loans '', Accounts that dont even have a customer service center or number, and somehow these debts are being falsely verified. and Experian is not honoring my goverment document that i have uploaded in portal 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 2019-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

This company reported on my credit without first sending me a notification in the mail or giving me a chance to validate or dispute. I didn't find out until it had already been on there for over 6 months. 

I send a dispute to all 3 credit bureaus, it came back verified. So I requested a Debt Validation from the collection agency. They were not able to properly validate that the balance was accurate, that the contract was accurate or that they owned the debt. But they still kept it on my credit. 

I've now disputed it with the credit bureaus 4+ times and disputed it directly with the collector 4+ times and nothing has been resolved. 

I do not owe any debt, this is for an apartment that I moved out of and I paid in full. Any additional charges are not charges that are legally able to be charged or that can be shown to be 100 % accurate. They are charging interest on a debt that isn't even owed, how is this legal or possible? 

I was denied for a home loan and for a rental property because of this inaccuracy. This is willful non-compliance.
Consumer complaint received 2019-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (FL)

In XXXX of this year, I used a promotional balance transfer check for my Chase credit card account in the amount of approximately {$1400.00}. I used a second balance transfer check for {$400.00} in XXXX. These checks offer a promotional 12 month 0 % APR for any purchase they're used for, with the stipulation that you lose your interest free period for any normal charges until your entire card balance is paid off. 

On XX/XX/XXXX, I used my card to make a purchase of {$1300.00}. Once I got paid 2 days later ( XX/XX/XXXX ), I made a payment of {$1300.00} to my card. I made this payment promptly because I knew I no longer had an interest free period on normal purchases, and did not want such a large charge to accrue interest. 

Over the next few billing periods, I noticed my statements now included an interest charge, even though the only balances remaining should be my 0 % APR balance transfers. I assumed this was interest accrued during the few short days I had made purchases before paying them off, even though the interest charges seemed high for such a short time. By my XXXX statement, the interest charge had more than doubled even though I had made only a few small charges and promptly paid them off. 

After going to my local branch, calling the support line, and emailing customer support through the Chase app, I finally figured out that the payment I had made on XX/XX/XXXX of {$1300.00} had been applied to my promotional 0 % APR balance instead of my {$1300.00} purchase, and that this purchase had been accruing interest ever since then. From my understanding of the Credit Card Act of 2009, my entire payment should have been applied to my highest interest balance before being applied to any other balances, as I had already made my minimum payment earlier that billing cycle. 

When I pointed this out to a Chase customer service representative, they told me that payments are applied to previous statement balances before charges made during the current cycle, regardless of interest rates. This seems like a violation of federal law to me, as the Credit Card Act doesn't differentiate between statement balances and new balances. My purchase began to accrue interest the day it was posted to my account ( XX/XX/XXXX ), and therefore my payment on XX/XX/XXXX should have been applied to it before any lower interest balances. Their policy means that I would have had to wait for the statement cycle to close and interest on my purchase to be calculated and charged to my account before I could have a payment applied to that balance. 

I am now stuck with a large balance on my card accruing high interest that I currently don't have the means to pay off, while my 0 % balance transfer has been paid off by funds that legally should have been applied elsewhere.
Consumer complaint received 2019-07-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bonneville Billing and Collections (OR)

Dont understand how a utilities s bill can be placed on credit reports. It has nothing to do with credit. I never obtained a loan or a line of credit. Never received notice that I had a delinquent XXXX bill. I was recently paying on my XXXX bill so the amount they claim I owe can not be correct whatsoever. XXXX never tried to contact me about a past due amount and when I checked my account awhile back I was up to date. So Bonneville Collections needs to remove there collection against my credit reports unless they prefer to pay more in a court trial.
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

Applying for mortgage with a company and I have information that I am currently disputing on my credit report, but company keeps pulling hard credit report report which appears that I have nurmurous inquires and lowering my credit score.  should seek permission for updates and I am going through consumer fiance to resolve issues in an effort not to dicress my scores
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

I went online and on the phone entered the proper pin and social security number and Experian still requires me to send them more info through the mail and then wait a week before they will unfreeze my credit. Unlike the other two credit services they do not give the option to speak to a human.
Consumer complaint received 2023-01-08
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)

XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish 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 items of information, other than records of conviction 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 2023-01-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC (TX)

On XX/XX/2022 I received a notification from XXXX a New collections account had been opened and it gave vague information besides the name of the company Radius Global Solutions for a total of {$1900.00}. About 4 days later it updated on XXXX to display who the debt was referred to them by also updated the dates to reflect XX/XX/XXXX opening date of the collections account in that time frame I didnt receive a phone call or a written notice regarding the debt which I learned by calling them on XX/XX/2022 to which I was transferred 4 times and ultimately had to call back again to get more information regarding this debt. 

RADIUS GLOBAL SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.