davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
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. (OH)

XXXX XXXX XXXX, XXXX, XX/XX/year> Urgent Demand for Immediate Correction Of Inaccurate Reporting : Upon reviewing my consumer reports, i was enraged to find egregious inaccuracies regarding alleged late payments on an account where i have always made punctual payments. Under the Fair Credit Reporting Act ( FCRA ), Consumer Reporting Agencies are REQUIRED BY LAW to ensure the Highest degree of accuracy in reporting consumer information.I have NEVER missed a payment on the following account : XXXX XXXX XXXX. I DEMAND an IMMEDIATE and THOROUGH investigation into these blatant discrepancies within FOUR DAYS, as mandated by the FCRA. You are. REQUIRED to provide UNDENIABLE evidence, such as detailed account statements, sustaining the alleged lateness of these payments. FAILURE to furnish such proof within the specified 4-day timeframe will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON-TIME status, in rigorous adherence to FCRA section 611, which mandates accuracy and completeness in consumer reports. 
I have consistently met my payment obligations ON TIME and WILL NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Consumer complaint received 2024-10-13
Product: Credit reporting 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 recently reviewed my credit report and noticed I was a victim of identity theft. There were several accounts opened fraudulently on my credit report. This is hindering me my family and these fraudulent accounts are negatively effecting me. Please remove these fraudulent accounts from my report immediately. I am disputing this with you directly. I have documents to confirm my identity. Federal law allows me to dispute inaccurate information on my credit report. 
Please block and remove all information resulting from identity theft pursuant to FCRA 605b ( 15 u.s.c. 1681c-2 ) which states that these accounts must be removed in 4 business days of receipt. I have deemed legal advice and am prepared to retain counsel to uphold my legal rights if this is not resolved promptly. I appreciate your prompt attention on this matter and I await your reply thanks.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection XXXX XXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX XXXXXX/XX/2024 Personal Information Previous Address ( es ) : X XXXX XXXX XXXX, CA XXXX : XXXX XXXX XXXX XXXXXXXX Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2024 XXXX : XXXX XXXX XXXX  Employers XXXX XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (CA)

I have been an account holder of Citibank for 13 years. I never missed a payment, used my bill pay & checking account regularly. 
Last XXXX XXXX, 2016, I took advantage of their special promotion. Their promotion indicated that if you open a new account and deposit {$15000.00} leave the money with them for 3 months, you will be given a credit amounting to {$400.00}. 
I did just that. I went to the bank ( XXXX XXXX XXXX, XXXX, CA XXXX ) on a Saturday, XXXX XXXX. I was made to wait for XXXX long hours since there was only XXXX bank officer who was handling client inquiries other than withdrawal & deposits. The bank officer took the flyer I brought, read the details of the promotion and he took note of the promo code pertaining the promotion. After a new account was successfully opened by the officer, he instructed me to deposit the money to XXXX of the tellers. I was assured that {$400.00} will be credited to my account after 90 days, as long as the money I deposited remains intact and untouched, it should all be good. 
I visited the branch on XXXX XXXX, 2016 to follow up. I was told that there was a problem on my account and it would be elevated to the manager of the bank. Since XXXX until today, XXXX XXXX - I have called and made numerous follow-ups with the bank and the XXXX number, only to be told by the bank manager herself, and multiple customer service representatives, that I was " ineligible '' to receive the promotional credit since it was only offered to NEW account holders. 
Personally, I feel misled by their FALSE ADVERTISING. After they took & held my money for FOUR MONTHS, they would only tell me NOW that I can not be given the {$400.00} credit simply because I am ineligible for that promotion? They were well aware that I am a current account holder with multiple active accounts with their bank. They should have denied opening a new account for me if they deemed I was ineligible WHILE I was there on XXXX XXXX! It was their mistake, why ca n't they rectify the problem they created? My experience with this branch was a classic SWITCH AND BAIT with Citibank. 
I would be very careful dealing this branch. 
Because of this extremely bad experience with them, I have decided to close my account and put my money elsewhere, where I would be treated FAIRLY and appreciated, after many years of loyal banking with them. 
It is so ironic they are aggressive in getting new account holders to bank with them but they ca n't salvage the old, faithful ones that have stuck with them all through the years. So I guess this is what I get for being their LOYAL and active account holder of 13 years, being completely screwed up.
Consumer complaint received 2016-10-29
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (NY)

When I bought a mattress at Sleepy 's XX/XX/XXXX they suggested I pay for it with a Sleepy 's credit card that was free APR for 18months - the purchase was roughly {$2200.00}. I agreed, though I 'd been planning to pay for it outright - I got the card and had roughly XXXX $ a month automatically debited from linked account. When I saw my balance jump from {$1100.00} to {$2000.00} XX/XX/XXXX, I called immediately ( XX/XX/XXXX ) and the man said I could pay the true {$1100.00} balance as a lump sum and close out the account - which I opted to do. I gave him the number for my XXXX checking account and he said it would n't go through - I had him try several times and it did n't work -which did n't make sense. He said to call my bank and see if there was some block on a certain amount and to call back to finish the transaction. I checked with my bank - there should n't have been an issue, they did n't even see that Synchrony had tried to debit my account. When I called back over the next week, I got hung up on twice. When I got through today XX/XX/XXXX, they said the option to pay the lump sum expired on XX/XX/XXXX - so now I 'm stuck with the {$2100.00} balance. This seems corrupt, unfair, and predatory - furthermore-I believe they actively did not accept my payment on XX/XX/XXXX to prevent me from being able to pay off the lump sum. Please help! I only want to be held responsible for the balance of the original sum.
Consumer complaint received 2016-10-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Burr & Reid, LLP (NY)

My daughter XXXX at college when a friend dropped her XXXX. I 'm a retired combat XXXX of 20 years and was the SPONSOR of her health coverage NOT the guarantor of any payment owed since she was over the age of XXXX at the time of the incident. This is NOT my bill, I 've NEVER even been in this hospital! I called recently and the collector was extremely rude, would n't put me in contact with a supervisor when asked and was dismissive of my XXXX I suffered when wounded in combat in XXXX. XXXX is my family military retiree insurance and per federal law, children over 18 are responsible for any payment. This claim was not covered because ot was a third party injury, her friend that dropped my daughter XXXX who was deemed by my insurance as responsible. They are trying to collect from the wrong person.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX and EXPERIAN has failed to produce any documentation that shows that alleged XXXX - XXXX XXXX XXXX has named alleged XXXX XXXX, as assignees, nor have even shown that the original accounts has any knowledge of this actions, or that the original alleged XXXX- XXXX XXXX XXXX has even given all rights and control.EXPERIAN continue state that they have verified the information when I sent them a letter disputing the information 2 months ago. 
If XXXX - XXXX XXXX XXXX did assign the debt to a third party-XXXX, XXXX - XXXX XXXX XXXX would then lose his rights to collect later. This means that probably took a tax credit, an insurance write-off, or some such action that automatically makes XXXX XXXX unable to collect the debt after that point. Collection agency XXXX XXXX does not have the original agreement with my signature. I never attended any college. According to the Fair Credit Reporting Act section 609 ( A ) ( 1 ) ( A ) the credit bureaus have to get physical verification of the original consumer contract for any and all accounts they post on a credit report. Electronic dispute notices ( XXXX ) received by was handled by its " XXXX ''. 
I Noticed they never had a single person actually investigate any of the XXXX and it never contacted me by mail on their way of investigating. No proof.They stated their position was that it had no responsibility to do anything because its computer " investigated '' the dispute when it reviewed the information in system and compared it with the information supplied by the XXXX XXXX and EXPERIAN. 
EXPERIAN said that they have verified all accounts. I need to have them send me a copy of what they used to verify the accounts attached. The ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) If they do n't have it please remove it. I have no knowledge or signed account level agreement with alleged collections agency- XXXX XXXX or original alleged XXXX - XXXX XXXX XXXX.
Consumer complaint received 2017-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (TN)

First Tennes see Bank allowed their employees to take a deduction when I withdraw funds.  In  XX/XX/XXXX  I made a withdrawal in the amount of $  XXXX .Someone withdrew the same amount on  XX/XX/XXXX . I made my withdrawal on   XX/XX/XXXX .  On  XX/XX/XXXX  the bank shows the withdrawal as being misc debit. I ap plied for health care with  XXXX   XXXX   XXXX   XXXX  it was taken from me. Others are using this health care. I paid for  XXXX   XXXX  it was taken from me. Everything I apply for is taken.
Consumer complaint received 2016-10-29
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PREFERRED CREDIT INC (CA)

XX/XX/2013 I sign this contract and payments are {$90.00} per month and I have three years with this account and gave me an interest of 13.99 and this does not lower the total cost account I look at credit report and there are XXXX debts the same company called Credit preferrred, inc like me saver that is not the low debt I already talk to them and say that everything is fine but I see how much state or payments
Consumer complaint received 2016-10-29
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Credit Network Inc (HI)

Financial credit network keeps adding a debt from a program that my insurance paid for in full. I quit the program the day my insurance cocerage ended. Ive disputed it before and they removed and readded it with a new current date. Now they also have started calling me and giving me attitude! I live in hawaii so their XXXX phone calls are getting on my lst nerve! Ive told them to stop calling me about a debt i dont owe. XXXX XXXX XXXX XXXX should be ashamed of themselves and what their program is really all about
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (OH)

1 ) i notified Experian that on XX/XX/2016 i sent XXXX XXXX XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA 807 ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by experian has not removed the report i sent 2 more letter to XXXX XXXX XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that experian remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.
Consumer complaint received 2016-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

PennyMac took my XXXX mortgage payment from my bank account on XXXX/XXXX/16. On XXXX/XXXX/16 they sent me a letter telling me that I had n't made my loan payment. Today, XXXX/XXXX/16 I logged into the bank account to verify the payment was taken and it was. Then I logged into my account on PennyMac and it still shows that I have n't made my payment. This happens with PennyMac every year and this is not my first complaint about their payment processing methods. They are threatening my credit and forcing me to spend time on this when I 've already made my payment. This is wrong and illegal to bill me for something I 've already paid. I 'm tired of all the stress involved in having to keep my good credit in order when PennyMac can not stay on top of the payments they take from their customer 's bank accounts.
Consumer complaint received 2016-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (NC)

My mortgage payments fell behind due to a temporary loss of paid hours at my job. The loss of the hours was because of an unpaid internship requirement for completion of my XXXX 's in XXXX.I lost 25-30 hours per week I could have been working at a paying job. I have since graduated with XXXX and have received many job offers. I 'll accept one of the offers on or before late XXXX early XXXX after my license application is finished in State review ( I must be licensed to XXXX. ) I 've also gotten extra income from my XXXX XXXX daughters and an online business. 

Wells Fargo has repeatedly ignored my requests for assistance of any kind. I 've been working with my State and local consumer specialists/ legal aid was was directed to attend the foreclosure meeting and request a 60 - 90 day extension. I was advised it was my legal right to have one extension. I went to the hearing on XXXX XXXX with even more documentation than my counselor advised. At the meeting I was told that I was not allowed to provide any evidence, no explanations would be accepted, no questions answered, and no extensions given. I explained that the State/county representative had told me I had the right to one extension. I was told, " Well, he 's wrong, you do n't. '' The only information we 'll take from you is documentation that Wells Fargo had an accounting error and you have been paying all along, and the payments and are not behind. A representative of the law firm representing the bank was there but I was not allowed to ask her any questions. No representative of the bank was present. 

I was asked if I had been in the military in the last 90 days ( I had not. ) I asked if I could offer the documentation about my permanent XXXX status with SSI. I was told " no. '' Today, Saturday XXXX XXXX I received a notice that Wells Fargo was going to auction my home off on XXXX XXXX. 

I 've worked with the bank multiple times and in multiple ways to correct the situation and/or ask for help. I 'm always denied. 

I believe that Wells Fargo is discriminating against me for my XXXX, and possibly for my XXXX daughters ( XXXX XXXX ). I have been denied my right to appeal, to have a time extension, and assistance. 

I also need information on any program that would allow me to stay in my home as a renter for two to three months, until I am able to accept one of the offered XXXX jobs and resume paying mortgage payments. I have and my family have no place to go, no extended family here, and no extra funds for moving and storage help. I am not physically able to move the contents of the home, especially with such short notice.
Consumer complaint received 2016-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (FL)

EOS CCA states they reviewed collection account. They have not sent me in mail any true validation and contiue to state we are in agreement.They also continue to report on my XXXX credit reports. 

They state that they US ASSET MANAGEMENT INC are the original creditor in letter and XXXX are the current creditor at top of letter. 

And at middle of letter state ORIGINAL CREDITOR : XXXX with their address. 

I have no agreement or account level signiture with US ASSET MANAGEMENT INC or XXXX.
Consumer complaint received 2016-10-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX ) i notified XXXX that on XX/XX/2016 i sent XXXX a certify letter disputing my account it was delivered an as indicated in the ( FDCPA XXXX ( A ) ) the creditor has 30 days to put a remark that i have disputed the account which they have not done and its still being reported by equifax has not removed the report i sent XXXX more letter to XXXX to the same add as the first letter but this time they not accept them. This is affecting my current process for a job with customs. and i also requested that equifax remove some hard inquiry that i have not authorized and they said they can not removed them i hope you can assist m with this situation. i will include copies of the certified receipts and returned letters.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
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. (FL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my XXXX  report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.