davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (NJ)

i did not choose the best option. citibank card ending XXXX been a customer for years. on or about XX/XX/XXXX tried making a payment the automated delayed me and heard what i did not say i complained about it on or about XX/XX/XXXX was told i would get a XXXX dollar credit when i called to check i was told no you were given it in XXXX. well then i should not have been promised it but once i was i should be given it and i have not been. as such i am not using my cards any citi anymore til resolved. Futher, i ordered a NEw card replacement on or about XX/XX/XXXX SPECIFICALLY told to mail regular not fast since i was away XX/XX/XXXX to XX/XX/XXXX well they mailed it anyway and charged me and it sat outside my house for a week. i specifically said not to do this and they charged me for it to boot which is illegal esp since specifically not authorized. Credit me XXXX   for my trouble or i go further. period. XXXX for the promise i never got XXXX for a charge i did not ask for is not authorized specifically the opposite and anything you would want for your troubles like me. til then no use at all on any card tired of haaving me time wasted speking to people who cant speak english and being XXXX
Consumer complaint received 2018-09-26
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: Experian Information Solutions Inc. (NY)

( 1 ) What happened?

I contacted Experian 's Customer Service on XX/XX/2018, and XX/XX/2018, and requested to be transfered to the Special Dispute For Inquiries. The calls were regarding Experian 's know how, with converting Hard Inquiries into Soft Pulls. I spoke with someone, at Experian, who referred me back to the company that put the Inquiry on my credit report. When I contacted the company they stated that I would have to go back to Experian 's Credit Agency and Dispute the inquiries with them.

The FCRA has a new Law in effect that allows the consumer to request the Credit Bureau to turn the Hard Inquiry into a Soft Pull, this way the consumers credit will not be affected.

I have been back and forth with the Hard Inquiry issue. Experian can either turn the Hard inquiry into a Soft Pull or delete it.

The Hard Inquiry Report Numbers are : XXXX XXXX
Consumer complaint received 2018-09-26
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: STERLING JEWELERS, INC. (GA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX  and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2016.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Company (PA)

I had requested from Credit management Company to provide me with legal validation on the alleged claims that they claim I owe and had requested that they provide me proof of there ownership of this account. I had also request a copy of a signed authorization by me with the alleged original creditor to release my personal private information and the contract that I had with Credit management Company. I made this request in writing sent via certified mail return receipt to Credit management. to this date I have received no response from the company only that XXXX states they have verified the debt. I had request from XXXX the information the method of verification and the Supervisor stated that it is not kept on file it is electronic. I have also disputed these account to which I have no account numbers for only a dollar amount of XXXX and XXXX with all three of the CRA XXXX and XXXX  have removed as unverified but they are continuing to report to XXXX. I demand validation from this collector. I demand they produce a valid contract. I demand they produce a signed authorization. They shouldn't be on my credit report for any reason but since they are, they certainly should not be there without an authorization to collect information and make communications about me and an alleged account. I do not owe this alleged debt that they are claiming I owe. I demand these items be removed from my XXXX   credit file.
Consumer complaint received 2018-09-13
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: SYNCHRONY FINANCIAL (GA)

I have accounts showing charged off on my credit report. I have contacted these companies directly and disputed with all three credit bureaus. The companies send me a copy of an itemized bill, and state the the account was opened online. The credit bureaus send what appear to be a generic form letter stating that they have investigated the account and will not re investigate it. I have requested that they provide me with copies of any documentation associated with this account, bearing my signature. I have also advised them that as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I feel that I have done all I can do and have not been able to get any results.
Consumer complaint received 2024-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX XXXX XXXX filed suit against me in my county without supplying validation that I requested on numerous occasions. I requested original signed contract, original signed agreement, chain of authority, proof of charged off chain of assignment. So far no evidence of any.
Consumer complaint received 2018-09-26
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. (OK)

clear violation on my report balance are inaccurate inquires are not mine some are ftc violations clearly states 7 different name which is violations of the fcra i only have one name on my driver licence
Consumer complaint received 2018-09-26
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

So I became an authorized user on my moms account when I was XXXX years old and apparently she had a late payment which stuck to my credit score and now my credit is down. I tried contacting XXXX XXXX they were no help I just want it removed from my history because it wasnt my transaction.
Consumer complaint received 2018-09-13
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (WA)

I recieved XXXX dollars into my paypal account on XX/XX/XXXX when i tried to transfer it into my bank account i was told i had to wait 24 hours. I waited and tried again. I was then told to wait another 24 hours. Today XX/XX/XXXX i wad told i was no longer able to do anything with the money. I have called over 50 times and they will not release my funds.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: Northwood Asset Management Group (ID)

On XX/XX/2018 at XXXX XXXX I received a threatening message and voicemail from XXXX XXXX from the company Northwood asset management group in XXXX New York from phone # XXXX. The message also left the return number of XXXX reference number XXXX. This message included a family member and myself.
Consumer complaint received 2018-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

I'm not an expert on this and sorry for my english or the way i write. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2018 -30/60 DAYS I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-09-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (MO)

sending this complaint is student & Mother & Father ( divorced ) We applied with a 1 page promissory note to XXXX XXXX, for a $ XXXX XXXX XXXX program, which would be accomplished in 2 yrs or less, and the amount determined to stay in the " dorm '' setting was $ XXXX. We received no hard copies, no totals, no interest amounts in the document sent online to sign.. for the private portion of the loan done by Discover Student loans. We did receive these details on the stafford portion. Both stafford and private loans were rolled together and shortly after graduation we received notice of the loans balance- near $ 120K.  Because divorced parents had not communicated with one another, each parent assumed the other had received these documents/ info. Upon learning neither did, we believe we have been defrauded. We sought an attorney. 8 letters were sent like the one we provide here requesting proper promissory notes. But no response was given. Many calls were made and no one with authority to discuss the issue of no loan documents where the totals/interest/terms etc were signed. When the attorney finally did speak with someone in charge, after almost a year, and significant legal fees, he was told they had no intention of providing this and the loan was being sent to collections. Other false promises such as the " XXXX XXXX '' being respected as if from an accredited college were made. Job searches reveal it is not recognized as anything but a trade school, & the degree hasn't been useful.
Consumer complaint received 2018-09-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (GA)

I have noticed AFNI, Inc, and told them to CEASE and DESIST and I've demanded information from them as well as demand that they delete this account from my credit file.

I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2018. I never opened an account with AFNI, INC or anyone they claim to represent. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2018-09-26
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. (TX)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

XXXX XXXX XXXX in the amount of {$71.00} XXXX XXXX XXXX in the amount of {$920.00} XXXX XXXX in the amount of {$1300.00} Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2018-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (MN)

XX/XX/XXXX : Message online via transaction paypal for concert tickets XX/XX/XXXX : Sent XXXX $ to XXXX XXXX on paypal for tickets, fraud-never sent tickets XX/XX/XXXX : Called paypal, stated since it was friends and family transaction they could not refund-told me to call XXXX XXXX ( who I bank with ) XX/XX/XXXX : Called XXXX immediately, stated they could not dispute claim until money actually left my account. Guaranteed I would dispute and be reimbursed. 
XX/XX/XXXX : Dispute form completed, XX/XX/XXXX : Bank stated I can not be refunded since I did not use my debit card ( my checking account is hooked up to paypal-only have a debit card linked to this checking account previously hooked up ) Bank and paypal keep kicking the ball back and forth and I am not being refunded, but worse this fraudulent individual is probably still getting away with this with other innocent consumers.
Consumer complaint received 2018-08-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

my name is XXXX XXXX am I have huge debt that started in 1997. I owe {$20000.00} in student loans payment to Sallie Mae. I was told to consolidate the loan and since that decision my loan balloon up to about {$68000.00}. With monthly payments of XXXX monthly. I have been in and out of work for some time and been trying to make payments with part time job. I like for this loan to forgiven or reduce so I can get my life back on track. The new company Naivent I'm not sure were they come from. I get harassing phone calls and solution WITH DEAD ENDS. Thank you
Consumer complaint received 2018-09-26
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)

Dear CFPB - I am resubmitting my complaint against XXXX XXXX XXXX. Please refer to closed complaint XXXX for additional history. XXXXXXXX XXXX has advised CFPB that they have not reported any new events to the CRA 's since XXXX, which is false. On XX/XX/XXXX, XXXX transmitted an update to Transunion that my account was in a delinquent status, which is false. As stated, the servicing of my mortgage was transferred to another party in XX/XX/XXXX. CFPB, please investigate as to why XXXX refuses to update my Transunion from a delinquent status of 120 Past Due. I have included snippets from my current report and the credit monitoring alert which indicates XXXX just recently updating my account status. This event update contradicts what XXXX Complaince Dept XXXX XXXX states in her response to my CFPB complaint # XXXX. XXXX also goes on to state that XXXX must report account transferred, but this is another contradiction to what has actually been reported to the CRA 's. Example enclosed. I am requesting for the CFPB to reinvestigate this matter. XXXX 's response was more focused on my payment history and not what they are currently reporting to the CRA 's instead of the current status of the account with XXXX, which is closed with a XXXX   balance, account transferred. I think the CFPB prematurely closed my initial complaint because of payment history and bankruptcy fluff written by XXXX XXXX. Now I have included documented proof to support my complaint about XXXX.
Consumer complaint received 2018-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (CT)

Case # XXXX Another week has passed with XXXX XXXX being unable to locate a {$2500.00}. payment I submitted to them on XX/XX/XXXX. Although they claim they have returned it to my account, they have provided no documentation to show that and it is not in my account. We are going into the third month of lack of contact or resolution. This is unacceptable.
Consumer complaint received 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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 2024-11-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2018-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

My XXXX XXXX credit report is missing a credit card account. The credit card account is from XXXX XXXX XXXX XXXX and was opened on XX/XX/XXXX. It is an active, open, current account in good standing, and I have never been late with payments to this account. I am the authorized user on this account and have been using this Quicksilver Mastercard credit card throughout XX/XX/XXXX. It has a credit limit of {$7500.00}. The primary card holder is my girlfriend XXXX XXXX XXXX. I have notified XXXX XXXX in writing the full description of this account, and requested them to contact XXXX XXXX XXXX XXXX so that they can verify that it is a valid account and therefore, it should be listed on my XXXX XXXX credit report. I have also contacted XXXX XXXX XXXX XXXX to have them call XXXX XXXX and tell XXXX XXXX to start reporting this account on my credit report. Neither XXXX XXXX, nor XXXX XXXX XXXX  XXXX, have done anything to rectify this omission on my XXXX XXXX credit report.