davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (VA)

On XXXX XXXX, 2017, US Bank closed my bank account with no notice to me whatsoever, via email, phone or mail. I only discovered it when I went in to check balance. When I called, I was treated extremely rudely, then told that I needed to go see the bank manager in person. Unfortunately, my nearest US bank is hundreds of miles away. They told me they would not help me speak to anyone further.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2024-10-11
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. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-21
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: EQUIFAX, INC. (TX)

XXXX XXXX in the amount of {$680.00} was previously deleted from my credit reports in XXXX DUE TO NOT BELONGING TO ME. It has since reappeared on my credit report under a different collection agency XXXX XXXX AS OF XXXX. 

In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report.
Consumer complaint received 2017-09-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (MD)

Caliber Home Loans holds the mortgage for my principal residence. For unknown reasons, and without notice or explanation, Caliber paid approximately {$14000.00} to XXXX XXXX and the State of Maryland. The property tax bill was only ~ {$2500.00}. No explanation for the egregious over payment has been provided. Instead, Caliber contends that I am responsible for its error.
Consumer complaint received 2024-10-11
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. (PA)

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX Texas, XXXX Subject : Formal Dispute of Inaccurate Credit Information To Whom It May Concern, I am writing to formally dispute inaccurate information that appears on my credit report. This dispute is submitted in accordance with my rights under various federal laws, including : XXXX USC XXXX : Governs the disclosure of my nonpublic personal information. I do not consent to the sharing of my personal financial data beyond what is legally permissible under this statute. 
XXXX USC XXXX ( XXXX ) : Affirms my right to accurate reporting of credit information. The inaccurate item ( XXXX ) in question do not comply with this standard. 
XXXX USC XXXX ( XXXX ) : Specifies my right to dispute information I believe to be incorrect or misleading. 
XXXX USC XXXX : Establishes criminal penalties for identity theft. I suspect that some of the erroneous entries on my credit report XXXX be due to identity theft, which would be a violation of this statute. 
XXXX USC XXXX : Grants me the right to request the removal of fraudulent information from my credit report due to identity theft. I believe that the items listed below may have been added to my report without my authorization and potentially involve fraudulent activity. 

Inaccurate Information : XXXX XXXX XXXX : Account # XXXX Inaccurate information on my credit report. 

XXXX point : Account # XXXX Inaccurate Information on my credit report. 

XXXX XXXX XXXX : Account # XXXX Inaccurate Information on my credit report. A third party that I did not give consent to report anything on my credit report. 

XXXX credit service : Account # XXXX Inaccurate information on my credit report. A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX : Account # XXXX A debt collector I did not give consent to report anything on my credit report. 

XXXX XXXX XXXX. 
Account # XXXX Inappropriate use of credit report. I did not give the any consent to report anything on my credit report. 

Given these protections under XXXX law, I respectfully request that you : XXXX. XXXX a thorough investigation of the inaccurate or fraudulent items. 
XXXX. Remove or correct the inaccurate information promptly. 
XXXX. Send me an updated copy of my credit report reflecting these changes. 

Enclosed are copies of relevant documents supporting my claim, including my identification, credit report, and any other materials necessary for your investigation. 

Please confirm receipt of this letter and keep me informed on the progress of the investigation. I expect your response and confirmation of action within 30 days, as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX, XXXX
Consumer complaint received 2017-09-21
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. (NC)

I had rented an apartment with The XXXX XXXX in XXXX, SC managed by XXXX ( XXXX XXXX XXXX XXXX ) fromXX/XX/XXXX toXX/XX/XXXX. The dispute has been forwarded by XXXX to XXXX XXXX XXXX and they have incorrectly reported it to credit agencies which is harming my credit profile and score. 

After I moved out of The XXXX XXXX apartments, I was sent a list of charges totaling {$290.00} ( attached ) that XXXX had slapped on me. There was no basis for most of these charges nor was there a mention about my obligation towards most of those items in my lease contract ( attached ). I reluctantly agreed to pay most of the charges but refused to pay for carpet-shampooing and oven-cleaning that they were claiming, as there was no basis for it. XXXX refused to hear my plea and forwarded this 'case ' to a collection agency named XXXX XXXX XXXX to collect {$240.00} from me. 

I was harassed by this agency for many days while i kept explaining them that the agency nor XXXX have any proof to ask for this money. I also sent them a copy of my lease contract and communication with XXXX. But they very hard to reason with and reported this to all the the three credit agencies inXX/XX/XXXX. 

This has been harming my credit history, profile and score since then.
Consumer complaint received 2017-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (WI)

A supposed debt collection agency out of XXXX named Midland Credit called me and stated that I owed some {$610.00} from an account that was closed in over three years ago in 2014. I was skeptical since I could barely understand those speaking to me. They did have some information about me and the account correct, but there have been so many breaches and hacks lately that I figured this was a scam. 
I am concerned because I checked my credit report and see that Midland Credit has been able to place a derogatory statement against my credit on XXXX and XXXX. I am having a hard time trusting these credit reporting agencies, also, due to recent breaches. 
Is Midland Credit bonafide? Since the debt was settled over three years ago, what do I do now?
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

im so upset there are address i never lived at on my transuion credit report that i never lived at i have tried to call there XXXX number with no help there are also thing on there that i did not do on my cards like XXXX XXXX XXXX XXXXr XXXX XXXX woman with in XXXX and few others i have lived at XXXX while XXXX XXXX some of these things have happend i am on XXXX and there is no way i can aford these bills why should i have to pay for something i didnt do thank you XXXX XXXX
Consumer complaint received 2017-09-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: United Debt Holdings, LLC (IN)

On XXXX XXXX of XXXX, I took out a payday loan with XXXX XXXX XXXX in XXXX, Indiana. The amount that I borrowed was {$600.00}. The loan was due to be paid on XXXX XXXX, XXXX. On XXXX XXXX, I and my family moved out of the apartment complex we were living in. I forgot to pay the payday loan that was due. I got a phone call from XXXX XXXX XXXX that this money was due. Instead of us going in to pay the loan amount due in person, the company always took the amount out of our bank account. There was not enough money in the bank for them to collect the money for the loan. That is when the problems started between us and XXXX XXXX XXXX. They harassed us about this money due. We did not hear anything from them for a while. I was going to try to take out a payday loan where I live now. When I tried it, they denied me because they said that it showed that I had an open loan out and I could not get the payday loan. I have called XXXX XXXX XXXX to try to get this settled. They gave me the number to their collections department. When I called the collections department, they said that they had sold my account to a collection agency. The person talking to me gave me the number to the collection agency. I called that agency and all I got was the person that I was supposed to talk to their voice mail. I left a message and he or she did not get back to me. I am still trying to get in contact with this company and am not having any luck. Please see what you can do to help me get this matter settled. I recently tried to apply for a payday loan and got the same answer. That there is an open loan out there and I can not get a payday loan because of this problem. Thank you in advance for your help.
Consumer complaint received 2017-09-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC ()

For about a month I am trying to pay my loan via XXXX debit card, but the new website for Heartland ECSI is not allowing me to do so. I spoke to customer service and they told me that there was a problem with the website but 3 weeks have gone by and I still cant pay through the website. 

I filed a complaint with CFPB and in XXXX XXXX the company replied to me saying that yes, that payments with XXXX card using XXXX could be made. I have tried to pay again using XXXX and I still am not able to pay. I inmediatelly answered to their email but they have not responded, and I am still not being able to pay using my XXXX debit card. 

I now live in XXXX and I am very worried because I want to pay my student loans and this company is not allowing me to do so after they changed their website. 

I am afraid also that they will give me late fees because payments are not able to be made.
Consumer complaint received 2017-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

After the Equifax breach or all of our personal info, I read an article put out by the XXXX Association of Realtors warning of the calamities in the housing, mortgage & credit markets that is soon to come when so many of us will have fraudulent charges to deal with. The article directed to an Equifax website that would explain how to put a credit freeze on all 3 credit reporting agencies. I went there and they had a message saying how they were swamped with requests and could not currently have the online request for available but gave a phone number to do it instead. When I called the phone number, the person said they were not set up to take freeze requests. WAhen I asked what number was, the person put me on hold to ask. When he came back he said it was impossible. Everyone has to do it online. I went online to do some more investigation. I found out that the freeze requests are being taken by a 3rd party  company who asks for your full information, including basically all that was lost by Equifax in their hack scandal in the first place. I ca n't see how making consumers risk one more place to have their info get hacked and stolen online is any kind of a solution toward safeguarding their jeopardized credit form a company in which they have no control over how that company uses or does n't safeguard their info. This is outlandish. What can be done? Apart form that concern is another ... .If someone does not have a computer or access to one, they can not be compelled to comply with online requests being the only option. Handicapped or poor people have to be accommodated in another way! Please respond.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm contacting you regarding fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or authorization, causing considerable anxiety. As a victim of identity theft, I've already reported this incident. This situation urgently needs addressing, as it has negatively affected my financial status and reputation. I request your assistance in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm prepared to provide necessary evidence and, if needed, pursue legal action to safeguard my rights and seek appropriate redress. Your immediate attention to this pressing matter is greatly valued.
Consumer complaint received 2024-10-11
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. (IN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-09-21
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: EQUIFAX, INC. (SC)

Hi, Months ago, I noticed I had accounts with XXXX XXXX listed on my credit report. I contacted them with the intention of consolidating the sums and paying them off. Upon speaking with XXXX, I was told that there were no accounts shown in my name, except one of {$37.00}, in which I paid at that time, though it was not even one of the ones listed on my credit report. They transferred me to another department to see if they could find accounts in my name. They could n't. They told me to dispute the accounts with the 3 credit agencies and they should be removed, hence they can not find any accounts associated with my name, phone number or address. 
I disputed them. XXXX and XXXX both deleted the accounts from report. Equifax responded that they had proved the accounts to belong to me, and to contact XXXX with any questions. The phone number Equifax provided for XXXX was not in service. I contacted XXXX again, from the phone number on their website. I was told the same thing, no accounts shown in my name. I asked for a letter stating this, and was told that they can not speak on my behalf since I have no accounts with them ; and to dispute them. Again I disputed them with Equifax with this new information. Even told them to request the phone recordings of XXXX stating this since they state that the calls are recorded. Again Equifax stated that they found the accounts to belong to me and again provided a number not in service for XXXX. At this point I am frustrated because it is affecting my credit score. I am in the process of trying to buy a home. I can not get the XXXX accounts off of my report by paying them because XXXX can not find these accounts, nor can I have them removed because Equifax will not delete them like XXXX and XXXX did after their investigation. When I called Equifax to discuss this I was told that I can dispute them again. I do not know what else to do. 
Thank you
Consumer complaint received 2017-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (NY)

I had a promotional balance that was to expire on XXXX/XXXX/XXXX. In XXXX of XXXX I asked that payment beyond the minimum payment due on the entire account be applied to the promotional balance as I was not aware that you have to ask them to do this. They began to deduct the excess over the minimum payment from the promo balance. On XXXX/XXXX/XXXX I had a remaining balance on the promotion of {$99.00} and a minimum payment due of {$67.00}. I paid them {$170.00} on this date. I also made an additional payment of {$100.00} on XXXX/XXXX/XXXX to pay down my overall balance. I went to do my year end financial review and found that they had charged me {$240.00} for interest on XXXX/XXXX/XXXX even though my normal interest amount is around {$40.00}. When I called them they told me that they took part of my payment for the promo and applied it to my general balance. I stated I have the letter that indicates that 100 % of the excess payment goes to the and was told that the letters were not accurate that they send out. They did say they would immediately take the XXXX charge off my bill but this has not happened yet. This is total fraud in my opinion.
Consumer complaint received 2017-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

I owed XXXX XXXX XXXX {$50.00}, they processed my personal check # XXXX for {$50.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 
I owed XXXX XXXX XXXX {$110.00}, they processed my personal check # XXXX for {$110.00} on XXXX/XXXX/XXXX and opened up an account with Rash Curtis & Associates on XXXX/XXXX/XXXX to collect. 

I have proof of payment for both checks. 

I have sent both companies through email on XXXX/XXXX/XXXX the processed checks front and back. XXXXXXXXXXXX and XXXXXXXXXXXX. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX about the clarification of these accounts being paid and reported to Rash & Curtis & Associates. I told her that both accounts showed an open status with Rash Curtis & Associates. She told me that the account from XXXX was paid and cleared with Rash, I requested a zero balance statement and she submitted my request letting me know it would take 7-10 business days to receive my statement. She told me I would also receive from Rash Curtis & Associates a letter stating my account was paid. She confirmed with me that they received my email. She told me the account from XXXX would require a supervisor to look into that account because it was placed in the deleted files. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up with the XXXX account and she told me they were still looking into it. 

I spoke with XXXX on XXXX/XXXX/XXXX with XXXX XXXX XXXX XXXX to follow up on both accounts and he told me they requested me a zero balance statement be sent to me on XXXX/XXXX/XXXX. I told him I did not receive it. He told me he would request it again and it would take 7-10 business days. I told him I needed it now and that his company was causing me financial hardship and violating my consumer rights. I asked to speak to a manager and was transferred to a voicemail. 

I hung up.