davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX failed to remove my father 's credit card account from my credit reporting agencies. They removed it from XXXX, but failed to remove the item from Experian and XXXX. When I put a dispute in for Experian, they updated the status as " update '' indicating that the account belongs to me. I put another dispute in today with Experian and XXXX. I expressed the account belongs to my father XXXX XXXX and my purpose on the account was to be listed as an Power of Attorney " ONLY ''. My father is XXXX years old and I am his daughter assisting him with his fiscal responsibilities. However, XXXX XXXX XXXX without my knowledge or authorization and without my father 's knowledge or authorization added me " XXXX XXXX '' to my father 's account as a XXXX cardholder. At no time did I receive a credit card, nor did I make any purchases with a card. I did not open up any line of credit with XXXX XXXX XXXX nor did I sign any documentation to request a line of credit. I am requesting that XXXX XXXX XXXX remove their account from all credit reporting agencies. I am not responsible for any line of credit with XXXX XXXX XXXX nor is this my account. I also put in a dispute with XXXX File number XXXX on XX/XX/2015, and the XXXX XXXX XXXX item was removed.
Consumer complaint received 2016-02-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

I have a checking account with Citibank. I deposited a check in the amount of {$2700.00} from a publishing company on XXXX XXXX, 2016. The bank would make only XXXX cents of it available on that day. Then it made {$200.00} available on XXXX XXXX, and {$400.00} today, XXXX XXXX. They called a " standard delay ''. 
Citibank never informed me of this " standard '' and never used to do this in the past. 
This policy caused a depletion of my funds to such an extent that my wife and I could not check out of the grocery store. 
Not only should this policy be reversed, but Citibank should also pay us a compensation in the amount of the check, and pay the Federal Government a fine for defrauding its customers. Citibank and other banks should be prevented from using the money from my check while withholding it from me.
Consumer complaint received 2017-03-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MD)

XXXX was contacted several months ago to notify the merchant that there are two accounts listed on my credit report ( when I only had one account with XXXX ) that has been paid off and closed. 
XXXX account ( XXXX ) - This collection is listed twice on my report- XXXX was requested to remove the duplicate collection item. 

C. Additionally, please change the comments about the account to note that the account was closed by the consumer ( not creditor ) due to termination of services.
Consumer complaint received 2016-02-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

I made a payment of {$50.00} on my Best Buy credit card in store, in my local Best Buy. Citigroup/Citibank manages the account and is the creditor in said account. However, this payment does n't show on my payment history and only {$8.00} of {$50.00} was applied to my balance. The card to my knowledge is 0 % apr for the first year as long as the balance is paid in full, however my balance has inflated significantly. The payment was made at the XXXX XXXX store XX/XX/XXXX.
Consumer complaint received 2015-11-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

The accounts XXXX and XXXX ( ANY AND ALL ACCOUNTS REPORTED UNDER XXXX XXXX XXXX ) are in violation of the FCRA as they are knowingly inaccurate under 623 ( a ). XXXX XXXX XXXX has not done a thorough investigation as to the validity of these accounts and they have already lost in court over one of them. I have retained an attorney and will be commencing litigation with them over these accounts if a thorough investigation is not completed and documentation provided as to ownership and original contract information for both of these accounts. 

The Credit Reporting Agencies will not provide the information afforded in my rights under the FCRA 609 ( a ) ( 1 ) and now XXXX XXXX XXXX is gaming the system to punish me for beating them in the courts.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (UT)

I 've tried to access my report to no avail. I '' ve also tried to dispute. Each time these have been tried the computer pages just loop back and forth and there are no options to continue. Phone calls just go to a very long wait time that never gets answered. They sent me a report in the mail but no access to see it again online or disputed wrong items are available and they do not answer or respond. They 've made this difficult on purpose to not have to do anything they 're supposed to be bound by law to do. This is fraud at it 's finest. It always reverts back to a page to pay them for the info. or dispute. Can you say extortion along with fraud? Why is this allowed? Why can any company make a report to anyone 's credit and give whatever info. they want, but for us to dispute that defamation is not only almost impossible, but they the bureau 's want proof and personal info. none of their business to supposedly confirm ID? No ID to file a report, but ID to fix it ... ..something is bassackwards here ... ... .then next to impossible to even try to fix fraud and correct the info ... .oh my ....
Consumer complaint received 2024-08-13
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. (CA)

To whom it may concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a data breach/identity theft victim. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX Account Number:XXXXXXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account Number:XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2016-07-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Experian refuses to delete a fraudulent account that has been reported to the alleged creditor as fraudulent, and which the alleged creditor has agreed is fraudulent and removed from its records. The creditor is XXXX XXXX and the Account Number is XXXX .... Experian refuses to remove it even though I have given Experian the fraud file number generated by XXXX XXXX.
Consumer complaint received 2016-08-31
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

Citi bank applied a service fee to my savings account that was not previously applied with no prior notification. As a result of this fee, then then applied an additional overdraft fee, for a total of {$59.00} in fees in expected fees.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (NY)

I logged into the Experian site to review my credit report. They offered to see my FICO score an credit report for a {$1.00} fee, that i paid. I was unaware this fee was a 7 day trail membership and if i did not cancel the trail within the 7 days i would be billed {$23.00}. The amount was charged on Saturday XX/XX/XXXX i called them on Monday, XX/XX/XXXX at XXXX XXXX. i was informed they do not issue refunds and but would cancel my subscription for any future billing. I can get my XXXX and XXXX credit report and FICO score for free at any time so to pay {$23.00} a month for this is something i would never have done. i only wanted to see my credit report and score to compare versus the other XXXX and see if the same inaccuracies i found on them were on their site as well. .If they want to charge me {$1.00} for this service and then ask me if i would like to pay the fee after the initial time that would be fine but to charge you to get your FICO score and make it a trial membership so you are actual paying almost {$25.00} for this info is deceitful. Integrity is paramount for anyone that is managing peoples credit and they have clearly shown a lack of it.
Consumer complaint received 2015-05-29
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NJ)

Sears Master Card from Citibank has a points program " Shop Your Way '' which supposedly tracks your purchases, provides a " pin '' number for use during the purchase and tracks what you spend and applies the " accrued points '' for use on your next purchase. This is a joke. It does n't work properly and when you try and resolve anything, nothing happens. Sears does not manage the program. It signs you up automatically and does n't assume any responsibility for errors through Sears ' " customer service ''. 
I have been attempting to find answers for two business days and all I get is a '' robo '' e : mail telling me to check their website. Talk about going around in circles. I do not recommend Sears for anything and will cancel my charge card there. I 'm sorry I ever agreed to open it. Not to mention the interest rate is horrendous.
Consumer complaint received 2016-04-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: CITIBANK, N.A. (MI)

Explain to me how I am years ahead in repayment. My income is up, my credit is up, I am paying still more early and my interest rates on my loans go up on me. This is just squeezing more money and trying to claim oh its the market. No its a bank wanting more money when its already made XXXX in interest off me on student loans. And I do mean thousands made off me.
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (NJ)

There is a Public Record of a Judgment a little over {$1200.00}. I had the law firm send me documentation that it was paid. They will not send it to the credit reporting agency, because they say they did n't place the filing. But they are the ones who filed the documents. They said it has to come from the original creditor. But I called the Court and they said it was the law firm. But the law firm will not remove the derogatory credit filing.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX. Experian Reported that there is one payment that was late in XXXX XXXX, Which is incorrect and Experian closed my dispute without providing me an evidence of late payment. 

XXXX. My score was decreased by XXXX points on XX/XX/XXXX as soon as i paid off my Auto Loan and was never increased, I thought it is temporary decrease but that is not the case it was permanent damage. 

XXXX. They reduce my score yesterday by XXXX points and provided no reason why they reduced my score and did not provide the formula that they used to calculate the score.
Consumer complaint received 2016-11-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (PA)

Consumer disputed a claim on Experian report submitted by XXXX XXXX XXXX. Consumer requested validation of information to be made and for Experian to conduct and investigation. Experian responded to consumer 's request for investigation without proper validation per FCRA law. Experian has not provided sufficient proof or information sufficient to validate this claim per FCRA. ( a ) The name of the creditor ;, b ) The person 's name they verified the dispute with ; ( c ) The address ; ( d ) The telephone number ; and ( e ) The documentation used to verify the dispute.There is NO address, name or personal information to substantiate this claim yet Experian continues to report this as belonging to consumer. This reporting by Experian, after consumer requested information is in violation of FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). Experian has violated FCRA law and consumer is entitled to recieve damages in the amount of {$1000.00} per violation. Consumer is entitled to punitive damages under 1681n of the FCRA due to Experian 's negligence, and willful noncompliance Consumer was denied credit for mortgage. Mortgage lender identified this one account wrongfully attached to consumer 's Experian report as the reason for denial. This false claim by XXXX XXXX XXXX does not appear on other CRA reports of XXXX and XXXX. XXXX XXXX XXXX has a complaint filed with CFPB and has failed to respond to CFPB since XXXX XXXX, 2016. XXXX XXXX XXXX has altogether failed to respond to consumer 's multiple written request for validation sent by Certified mail. Experian has altogether failed to conduct a proper investigation per FDCA to validate this claim.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (NJ)

I recently received my FICO score from Experian. It stated that a person 's score can either go up or down with this new FICO system. I looked down at my score ... .it went from XXXX down to XXXX ... XXXX POINTS! I called Experian. They told me that my recent charge of {$8000.00} on my XXXX caused it. I told them that I had paid the whole amount in full, and that my total credit allowance is {$30000.00} anyway. I only used up XXXX % of my credit limit, paid it in full, and now I am being penalized for it! I have never in all my years paid ANY bill late. Please tell me how to proceed to get my score back up to where it should be ... XXXX. As you can see above, Experian 's response was " final ''. I spoke to many people there, and no one ( even supervisors ) would help me rectify this situation. Your help would be so much appreciated. I am a XXXX widow ; I know if my husband were still alive, he would be reeling on his heels right now! He was a bank representative and very professional. He would never have treated his clients this way. 
Thanking you in advance.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

" consumer debts that did not arise from a contract or other agreement by the consumer to pay '' are no longer supposed to be derogatory marks on credit reports as of the new fair credit reporting laws. 

i joined XXXX last year and saw this mysterious mark on my credit that said XXXX '. i had loaned someone who lives in XXXX my car for a month to help them - but they had never told me my car got a ticket and i had moved so i assume i just never got it in the mail. i wrote the company and said i knew nothing about this fine and that i refused to agree that it was a true debt but that i would be willing to pay the full amount ( plus XXXX $ ) in full if they removed it from my credit report because i would rather not fight about it. they simply then sent me a bill in return - the first i had seen - and tried to up the amount of money they claim i owe without agreeing to remove the stain from my report so i did nothing. 

i just was sent an article recently claiming that credit companies now have to remove such bad marks as parking tickets since as in my case it was not a contract where i agreed to pay and did not.
Consumer complaint received 2016-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (CA)

EXPERIAN keeps reporting an inaccurate Bankruptcy on my credit report. When disputed the information, I kept getting AUTO GENERATED letters that information was verified with the furnisher thus it should stay on the record. When contacted furnisher- US bankruptcy court XXXX california-they confirmed in writing that they DO NOT REPORT OR VALIDATE any information to none of the bureaus ... VERIFICATION BY EXPERIAN WAS A LIE, AND UNTRUE STATEMENT ON THEIR BEHALF. 
Second, when completing a public records search for the case # reported it was proved that NO SUCH CASE NUMBER EXISTS. 
Both of the supporting documentations were provided to experian numerous times but I kept getting an AUTO RESPONSE letters one after another in identical format with different dates. When trying to call EXPERIAN, it was impossible to speak to a live representative after being on hold for 2.5 hours.
Consumer complaint received 2015-12-11
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (MA)

This past spring I opened a Macys card and subsequently started buying a few items needed for the new apartment into which we recently moved. Not long after that, I received my statement in the mail, which I promptly paid. The same thing happened the following month. Then in early summer I purchased some new pants for the new season. A couple of months went by before I realized that Macys had not sent me a billing statement. And at no time did I request or approve a change to statement delivery electronically. Finally, a statement showed up in the mail showing a late fee and interest for the amounts of {$32.00} and {$4.00} respectively. I promptly paid the balance for the value of purchases minus the late fee and interest. In addition, I wrote Macys explaining that they did not send me a statement and to kindly remove the late fee and interest. More than 6 weeks later I received a letter from Macys informing me they would extend to me a " courtesy '' adjustment for the late fee and interest. And that these adjustments would appear on my statement within XXXX billing cycles. Unfortunately, I never received a statement and instead received some sort of Debt Validation Notice for {$31.00}. Please keep in mind that I paid my account balance in full, minus XXXX late fee and interest. At this point, I decided to log on my account and noticed they have now charged my account late fees and interest for XXXX, XXXX and XXXX. 
To me, it seems that Macys has a business practice of not sending statements to clients so they ( Macys ) can generate revenue in the form of late fees and interest. In addition, they offer a courtesy adjustment, then not credit the amount ( s ) in question in a timely manner so they could again charge the account further late fees and interest. 
To that end, I wanted to share this with you. I do n't know if this practice is illegal but it certainly appears to me at deceptive to consumers.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Arbor Residential Mortgage LLC (OR)

I have now been a customer of XXXX for the past year and have had a number of issues with your loan servicing. The XXXX time with your company I have been assessed a late fee for a payment that was there before the deadline of the XXXX or according to your customer service folks a day or XXXX later if the XXXX falls on a weekend or holiday. Regardless I use online banking with XXXX XXXX XXXX for everything and it seems that this company is the only one with difficulty processing/crediting payments in a timely fashion. Last time I was told that the payment was in paper format and that was the delay. I paid XXXX of the fee. That was my XXXX late mortgage payment ever in 15 years. This time I have contacted B of A and confirmed that all of my payments to XXXX Mortgage are in electronic format. The payment was sent on XXXX arrived and was deducted from my account on XXXX. XXXX did not note payment until XXXX, and then assessed a fee. This behavior appears fraudulent to me. I pay my bills on time and live within my means. I am a single parent that is accountable and prides myself on being on time. I am very frustrated. My pay date varies knowing that I have a window based on my own paydate from my employer. 
Bank XXXX document is the exact snapshot of my XXXX XXXX XXXX online bill pay account noting when the payment was sent received and deducted. 
I was frustrated enough to look up on line to see if others find the same problem with XXXX and the reviews are horrible XXXX stars all with similar issues. 

My expectation is to quickly resolve this issue and reverse the fee from this time and last. Also to please educate their customer service folks on ethics for not lying to customers ( paper versus electronic ). I have submitted a complaint to the Better Business Bureau as well as recommended by the websites dealing with Mortgage fraud.