davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I went online to receive my " FREE credit score & {$1.00} credit report ''. I was also, unbeknownst to me, signed up for credit monitoring etc, at the rate of {$17.00}. I feel like this is a shady and fraudulent practice, because I was allegedly aware of the product I signed up for based on size XXXX font in a noticed designed to look like an advertisement on the bottom right of the screen, that was n't even part of my browser window without scrolling. I called the company to dispute the claim. It took me awhile to unsubscribe and they refused to refund my money since I had used the service ( I had to log in to find a phone number to call ) and had been made aware of the service on the XXXX screen of the process. Very shady and I want to say fraudulent practice, since I did not knowingly give them permission to charge me for the service, nor did they provide any paper work or notification that I had signed up for a trial-turned-paid service. It really XXXX that the company that is used to protect you against fraud is fraudulent itself. What I authorized for purchase was a {$1.00} for a " free '' credit report.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. 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 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (FL)

I received a collection letter from Resurgent Capital Services for a debt owed to XXXX XXXX XXXX. The charge off date was XXXX/XXXX/2003 for {$610.00}. Resurgent is demanding payment in the amount of {$1200.00} for XXXX. I sent RCS a letter explaining that I do not owe this amount due to the statute of limitations, and I believe I made payment on this debt at an earlier time. Their response, received on XXXX XXXX, was that they were still pursuing payment because the information I sent was insufficient.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2015-03-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Before I XXXX to XXXX in 2008, I co-signed my wife 's private student loan since I was employed and she was a XXXX. I came home from XXXX XXXX and XXXX XXXX. My only source of income is VA XXXX and XXXX. My wife left me and got a XXXX about a XXXX after I returned. I have been making monthly payments to her student loan company for a few years now. I have never missed a payment and my ex refuses to take responsibility. I have made every payment but have also pleaded with the private lender to release me as a cosigner. They have refused, even after I have sent in a copy of my VA award letter stating I am a XXXX and XXXX XXXX veteran and I need my XXXX income to survive. I have pleaded with my congressman and senator to write a bill giving cosigner relief to XXXX and XXXX XXXX veterans. The XXXX Bank XXXX XXXX XXXX is XXXX of the lenders. Since I am a XXXX veteran from XXXX the service members civil relief act extends past my service. I informed them since I am a XXXX veteran they have to at least give me a 7 % APR under the Service Members Civil Relief Act and that request was denied. I believe that might be illegal.
Consumer complaint received 2024-08-10
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. (KY)

Re : Dispute of Late Payment on Active Account - XXXX XXXX  Credit Card I am writing to dispute the late payment reported on my credit report for the following account : - Account Name : XXXX XXXX  Credit Card - Account Number : XXXX - Original Creditor : XXXX XXXX  - Date of Alleged Late Payment : ( Experian XXXX, XX/XX/XXXX ) XXXX XX/XX/XXXX ) I am still an active account holder and have been making timely payments. The reported late payment is an error. I request that you remove the late payment from my credit report, as it is inaccurate and negatively affecting my credit score.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, I dispute this information as inaccurate. I request that you : 1. Investigate and correct this error within 30 days.

2. Remove the late payment from my credit report.

3. Send me a revised credit report.

I have attached documentation supporting my claim, including : - Proof of timely payments - Account statement showing no late payments - Copy of credit report highlighting disputed information Please expedite this matter, as the error is affecting my credit score. 



Sincerely, XXXX XXXX.
Consumer complaint received 2015-03-27
Product: Credit card — 
Issue: Credit determination — 
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I responded to a pre-selected application for an American Express credit card. I received a letter from American Express dated XX/XX/XXXX that informed me that my application could not approved as American Express had cancelled previous accounts. The letter further indicated that I was welcome to submit another application at a later date. The cancelled account to which American Express referenced was in XX/XX/XXXX and since that time I have paid all of my credit obligations on time and have a FICO credit score of XXXX. 
I responded with a letter dated XX/XX/XXXX in which I requested a copy of the company credit card policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. 
American Express replied with a form letter dated XX/XX/XXXX that failed to address my request for the company credit review policy. The letter simply re-stated the reason my application was declined. 
I responded with a letter dated XX/XX/XXXX specifically requesting a copy of the American Express credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I wanted to ascertain that the credit decision on my application was made in conformance with an established credit review policy and not an arbitrary, capricious decision based on age or race discrimination. 
The last letter from American Express dated XX/XX/XXXX again failed to address my request for a copy of the company credit review policy that pertains to the period of time after an account has been cancelled that a new application may be favorably considered. I will accept the American Express decision to decline my application if the credit review policy indicates the period of time after an account has been cancelled is eleven years or more, since my account was cancelled ten years and ten months ago. The credit review process should be the same for all applicants regardless of age, race or religion and without providing a copy of the credit review policy it is impossible to ascertain that the policy is being uniformly and equitably applied. American Express in every letter indicated that a new application could be submitted at a later date but without indicating the period of time a new application could be submitted to receive favorable consideration the company may be using this as a method of surreptitious discrimination.
Consumer complaint received 2016-02-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (CO)

I was helping a friend i thought i could trust because she was XXXX because she couldnt get cable in her name so i put it in my name i was living in a motel at the time but used her address as a way to get mail for awhile she ended up not paying the bill so i cancelled the account and she ended up getting another account in her daughters name and not paying that she has ruined XXXX peoples credit
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XXXX XXXX XXXXXX/XX/XXXX Dear XXXX, XXXX, and Equifax I am writing to formally dispute certain information in my credit report. I obtained a copy of my report and believe the following information is inaccurate. 
Account Information Creditor Name : XXXX XXXX XXXX Balance : {$590.00} Opened : XX/XX/XXXX Reasons for Dispute : Incomplete Creditor Information : The report does not provide sufficient details about the original creditor associated with this account. 
Disputed Status : The account is marked as disputed ; however, I did not initiate a dispute with your agency. 
Account XXXX : This account should be marked as resolved/paid or closed, as I have communicated with XXXX XXXX regarding this matter. 
Identity Theft Concerns : Under 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information identified as resulting from alleged identity theft within 4 business days of receipt. I believe this account may fall under that provision.

Accuracy Violations : Pursuant to 15 U.S. Code 1681e ( b ) and 1681i ( 5 ), this account is in violation of not reporting 100 % accurately. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Privacy Rights : Under 15 USC 1681 section 602 ( a ), I have the right to privacy, and pursuant to 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting the original copy of the agreement, terms, and conditions associated with this account. Failure to comply will forfeit your claims and require you to delete this account from my credit report. You are required to block these transactions from being reported to my consumer report within 4 days from the date of receipt of this notice. 
Please delete this account unless you wish to be held accountable for {$1000.00} per account. 
Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Consumer complaint received 2016-02-29
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (OH)

On XXXX XXXX, XXXX, borrower contacted debt collector and acknowledged settlement offer from loan originator, Navient. Debt collector verbally denied borrower the right to settle referencing no knowledge of the agreement with loan originator. Furthermore, debt collector advised borrower that balance of {$8000.00} was different than balance of {$13000.00} loan originator was reporting to borrower 's credit reports. Debt collector also advised borrower that per the agreement reached in XXXX, there was no interest on the account. 

On the same day, borrower reached out to loan originator, and inquired about difference in balances, and debt collectors refusal to draft settlement agreement. Loan originator sent inquiry to Loan originator 's office of consumer advocate for review and response. Per loan originator, the debt collector had not communicated that they had committed to a repayment agreement with borrower, and therefore, Navient was reporting information incorrectly to credit bureau for a number of years. 

During the period of XXXX XXXX to XXXX XXXX, XXXX, borrower has contacted loan Navient, and XXXX, XXXX XXXX XXXX on a daily basis. Both parties seem to disagree on responsibilities of fair debt collection reporting, balances, settlement drafting, etc. XXXX, XXXX XXXX XXXX has informed borrower that account is not in collections proceedings due to the numerous errors, and they are in a holding pattern waiting for confirmation before collection action resumes. Borrower has, on numerous occasions, often daily, offered to make payment and or settlement in exchange for fair credit reporting from both parties. Both parties have remained in holding pattern, and improper balances, account status, and payment information has been reported to borrower 's credit account, thus harming credit standing, and civil liberties in regards to financing a home, available credit, consolidation, etc.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Those number have been calling since XXXX 2015 7 days a week more than 25 calls a day including holiday when I pick up the calls no one says anything. I called back its macys/citibank. I have been calling, emailing macys personally since XXXX 2015 regarding charges on my account. They promesed they will fix it ; they never did. I paid them over the money that was owe on the account the account never fixed until XXXX. I spoke to several managers regarding the issue, my account has been compromised no one cares. I stop paying last XXXX.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

There is an account with XXXX on my credit report which is inaccurate. The creditor being reported is not correct. The company that is currently in charge of the debt is XXXX XXXX. I also would like to add that the reported amount owed is inaccurate. My credit report states that the amount owed is {$150.00}, the statement I received from XXXX XXXX states the amount owed is {$180.00}. You will find the document sent from XXXX XXXX attached to this complaint.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On several occasions I have sent repeated letters requesting that the information on my credit report be removed due to Identity Theft but to no avail.The company has not removed the information from my report. XXXX XXXX XXXX, XXXX XXXX and now XXXX XXXX XXXX is on my credit report and they all are from the XXXX Identity Theft account a Student Loan that I did not sign off on or give anyone permission to do so.
Consumer complaint received 2016-02-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC (IL)

I have XXXX collections from Pinnacle Credit services on all XXXX credit agencies. 

I have attempted since XXXX to get proof from Pinnacle that the debt is mine. 

They will not communicate with me but they keep validating it with the Credit Agencies. 

I have a perfect credit report but this is affecting me and my ability to grow my biz. 

Please help. 
Thank you, XXXX XXXX
Consumer complaint received 2016-02-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have been charged excessive charges on my account!! 
Called and complained and lady said would check into in, came back and said that there was nothing she could do & hung up. 
Called sever more time & got the same results. 
They are ripping people off, especially senior citizens!! 
Dont bank with these people ever!!
Consumer complaint received 2024-09-13
Product: Credit reporting 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 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  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 2015-03-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Going back and forth between Experian and XXXX in regards to the removal of XXXX accounts in question. Experian states that they ca n't remove the account it is now up to XXXX. I contact XXXX was told by a Representative that I needed to request by FAX any dispute in writing via FAX. I requested in writing a complete investigation of all XXXX accounts. I 'm not disputing the accounts because at one point they were actually mines. What I wanted to know is when and the dates of the accounts. As shown the accounts were all paid off but however XXXX was placed in collections without properly notifying me. I disputed with XXXX, XXXX, and Experian and they were removed But I 'm having a hard time having them removed with Experian.
Consumer complaint received 2024-08-31
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. (WA)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

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 : XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX and 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 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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