davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2018-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (CA)

On or about XX/XX/2018, I receive a letter from Citi Bank stated that they were unable to locate my application for XXXX XXXX XXXX Visa card ( please see attachment Citi Card Letter ). Citi bank also request my application ID number on decline letter. 
On or about XX/XX/2018, I provide the Citi Bank with my application ID number on decline letter ( application id XXXX ) via email ( please see attachment ) On or about XX/XX/2018, I contacted citi Bank to ask about status of of my case. 
Until now, Citi Bank refused to give me any answer. 
I believe Citi Bank discriminates against me because of my race XXXX, Nationality origin XXXX, Sex XXXX, Age above 40, and Exercising in good faith my rights under the Consumer Credit Protection Act ( I filed complaint against Citi Bank to Consumer Financial Protection Bureau Case # XXXX )
Consumer complaint received 2023-08-02
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: Experian Information Solutions Inc. (SC)

I submitted a dispute to Experian and XXXX, asking them to remove a collection that doesn't belong to me. Experian and XXXX did not remove the collection after the investigation, nor did Experian or XXXX provide evidence of the debt per my request. The collection reflected in my credit report is not my collection.
Consumer complaint received 2018-11-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc. (CA)

I mived out of my apartment. I always paid rent on time as agreed. When we moved they kept the security deposit and then they came out of nowhere saying I owe them an additional {$2000.00} I just plain and simple don't owe them this. They are trying to take it to collections and threatening my credit and my livelihood. They have no legal grounds, I have never acknowledged that I owe them this. I was informed by a debt collector.
Consumer complaint received 2018-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

XXXX XXXX-They continuously lose paperwork. I have had to re-send things several times. Customer service does not seem to understand how to resolve issues. They really seem to have no idea what is going on at all times. They did not process my Public Service Loan forgiveness information. It is 5 months later and received an email that I don't have it and it lapsed. So I no longer have Public Service Student Loan forgiveness and they seem to refuse to work with me.
Consumer complaint received 2018-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MS)

i have sent santander consumer certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature on XX/XX/2018. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. 
delivery comformation XXXX
Consumer complaint received 2018-11-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (VA)

I owe about {$2500.00} on a credit card with Citibank Simplicity MasterCard. I am in the process of working out an arrangement. 

Citibank uses a robo caller to call me every 2 hours up to 4-5 times per day. In addition, the robo caller leaves voicemail messages each time, thereby clogging my voicemail account and making it difficult for others to reach me. 

There is no reason for them to use an automatic dialer to leave 4-5 voicemails  each day, 7 days a week. This is nothing more than harassment.
Consumer complaint received 2024-10-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

WE ARE SELLING OUR HOME, XXXX XXXX CALLED ( XXXX ) PENNYMAC REQUESTNG PAYOFF BALANCE,. PENNYMAC REFUSED, WE THE OWNERS CALLED ASKED IF THE PAYOFF BALANCE COULD EMAIL DOCUEMENT, PENNYMAC REFUSED. 
REQUESTED OVERNIGHT MONDAY XXXX, NOTHING IN THE MAIL YET. 

THIS IS THE SAME COMPANY THAT RAISED OUR MTG PAYMENT {$250.00}. THIS XXXX, GAVE ME XXXX DIFFERENT REASONS AS TO WHY THE PAYMENT WAS INCREASED AND CHANGED THE NUMBERS TO BENIFIT THE COMPANY. REDUCED THE PAYMENT XXXX ... AFTER MY COMPLAINTS.. 
WE ARE PLEASED TO LEAVE THIS COMPANY BUT NEED THAT PAYOFF LETTER NOW.PLEASE HELP
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (FL)

I am filing a complaint against American Express ( AMEX ) for inaccurate and unverified reporting on my credit profile with XXXX. The account in question, Account # XXXX, contains multiple discrepancies and has been misreported, resulting in unjust negative marks on my credit report. Despite prior requests, AMEX has not provided sufficient verification or evidence of compliance. Specific issues with this account include : - Incorrect Payment Status and Account Status : This account is inaccurately listed as 'Collection or ChargeOff, ' even though it was closed and legally settled with a XXXX balance. Furthermore, the Creditor Remarks inaccurately state Account Legally Paid in Full for Less than Full Balance, misrepresenting the settled nature of the account and failing to reflect a correct resolution. This status falsely represents the account and fails to meet Fair Credit Reporting Act ( FCRA ) standards for accurate and verified data reporting. 

- Non-Compliance with XXXX XXXX Standards : AMEX has not complied with XXXX XXXX standards for accuracy. For example : -Date Reported ( XXXX ) and Date of Last Activity ( XXXX ) are inconsistent with the accounts settled status and closed state. The dates provided imply ongoing delinquency, contradicting the fact that the account has been fully closed. 
XXXX XXXX ( XXXX or XXXX ) is inaccurately presented without proof or documentation, conflicting with the accounts true status and non-compliance with XXXX XXXX standards. 
-Term Length is inaccurately listed as XXXX, which does not apply to this revolving credit account. This further demonstrates inconsistencies in reporting. 

- Lack of Verification and Compliance Documentation : Despite requests, AMEX has not provided any proof of compliance with FCRA standards or XXXX XXXX formatting requirements. Under 15 U.S.C. 1681e, credit reporting agencies and furnishers must use reasonable procedures to ensure maximum possible accuracy. American Expresss failure to provide the requested verification documentation and evidence of permissible purpose for this derogatory status is a clear violation of this requirement. 

Relevant Legal Violations : This report lacks adherence to essential consumer protection standards : - FCRA Violations : Per 15 U.S.C. 1681e and 12 CFR Part 1022, AMEX must report accurate data, yet their reporting reflects serious inaccuracies that impact my creditworthiness. 
- XXXX XXXX Non-Compliance : Per XXXX guidelines, 'Any Deviation from These Standards Jeopardizes the Integrity of the Data. ' The inaccuracies in AMEXs reporting highlight a lack of adherence to these industry standards.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

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.

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 2018-11-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/26 I contacted Wells Fargo on the phone and in person about my account access being blocked. I was told a fraudulent check from XXXX  had been deposited. I was told the check was not paid by the XXXX bank and I needed to contact them. I was warned that the bank may choose to end their relationship with me if it happened again. I immediately called XXXX at XXXX. He contacted his bank payment people. They said the check had never been submitted for payment. XXXX said he was willing to tell them this. I went to a branch in person. They could not tell me why or what happened. Only that my account was overdrawn and they would not reverse the fees. My account was overdrawn because they were taking money out to move to savings, plus They did not request a properly deposited check be paid. In addition, they would not tell me why the check had not been submitted to XXXX, or give me any records i requested. This was at a branch location in XXXX, CA. I gave up and successfully deposited my check to XXXX without incident and was immediately able to access those funds. I believe this is stealing at the most despicable level. I was not treated with any kind of dignity or respect. Even at the branch office I was greeted by a security guard.
Consumer complaint received 2018-05-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

After sending information to verify myself with my disputes, including their internal file number, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XX/XX/XXXX and XXXX   have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : INQUIRIES XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XXXX XX/XX/XXXX unauthorized XX/XX/XXXX XX/XX/XXXXunauthorized
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX Account # XXXX There are several potential FCRA ( Fair Credit Reporting Act ) violations. The FCRA mandates that credit reports be accurate, complete, and up-to-date. Under FCRA law I demand these inaccurate accounts be deleted today. Here 's a breakdown of the potential violations based on the discrepancies : **1. Date Opened Discrepancy XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Violation : FCRA Section 611 requires that information on a credit report be accurate. The difference in the date opened could suggest inaccurate reporting. If the account was opened on one date, all bureaus should reflect this consistently.

**2. Date Last Active Discrepancy XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Violation : FCRA Section 611 requires that information be current and accurate. A discrepancy in the date last active could misrepresent the account 's status and payment history. If the account was last active on a certain date, this should be consistent across all reports.

**3. Last Reported Date Discrepancy XXXX : XX/XX/XXXX Experian : XX/XX/XXXX Violation : The difference in the last reported date is minor but can be indicative of potential issues with data synchronization or accuracy. All dates should be consistent to ensure accuracy in reporting.
Consumer complaint received 2024-10-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX I received an email from a merchant ( XXXXXXXX XXXX XXXXXXXX XXXX ) for a purchase of {$140.00} I did not make. I immediately got on the phone with Citi, the issuer of my Best Buy VISA card, and let them know of the fraudulent charge. While I was on the phone with the representative, they informed me that my card was being used again, fraudulently, as I was speaking with them. They immediately closed my card and issued a new one. After an investigation, Citi issued a credit for the fraudulent charge a week later, on XX/XX/XXXX. 

On XX/XX/XXXX, Citi reinstated the charge, ( later ) citing the merchant 's evidence of this being a legitimate charge. I have not received this evidence, but was told it was coming to me in the mail. Regardless of the so-called evidence, it was a charge that was not made by me. As I explained to the Citi representatives, I was on the phone with them while another fraudulent charge was being made. Additionally, I had multiple previous fraud attempts, a few days prior, on cards from a different issuer ( XXXX ), including XXXX for the same merchant ( XXXX XXXX XXXXXXXX XXXX ). 

XXXX correctly, and immediately, recognized these transactions as fraudulent and resolved them without me having to take further action. With Citi, I had to initially wait for over a week for an " investigation '' to complete before I was credited back the {$140.00} charge. Then nearly a month later I'm blindsided by seeing that very same charge reinstated in my account, without any formal communication from Citi as to why. I had to call them to learn that the merchant disputed my original claim, and I still have yet to receive any documentation whatsoever. 

I understand that banks will have different policies and procedures when dealing with fraud. I'll admit that I have limited understanding on how banks are regulated in this regard. However, the stark difference between how XXXX and Citi handle the same case shows the difference between pro-consumer and anti-consumer corporate behavior. I've already spent several hours of my time with Citi over one simple, clear-cut case of fraud. And I still sit here waiting, frustrated and angry, for Citi 's justification of their enablement of credit card fraud.
Consumer complaint received 2023-08-02
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. XX/XX/XXXX ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | DOB : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ not to my knowledge inquiry ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely,
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

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.

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 2023-08-03
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I was trying to sell a couch through XXXX XXXX yesterday XX/XX/2033. A scammer pretended to be a buyer and said she would send money through XXXX but then we had to send money first to XXXX  to XXXX business. We received several emails from what appeared to be XXXX  on what to do. We sent {$320.00} to their XXXX  account and received instructions to send more money. Realized it was a scam and called bank ( chase ) who was unable to cancel transaction and we submitted a claim and they opened investigation. Investigation has been closed with no further action being taken. Also made report with XXXX but have been told money won't be recovered.
Consumer complaint received 2018-11-26
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC (TX)

Rentdebt collection agency is reporting a collection on my credit from an apartment complex that I paid in full. When I noticed it on my credit, I contacted Rentdebt and then I sent them a validation request. They won't respond, but they continue to report it on my credit. The apartment is XXXX At XXXX XXXX
Consumer complaint received 2023-08-03
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. (CA)

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00}.
Consumer complaint received 2023-08-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (FL)

Due to an inaccurate background check conducted by the company Checkr, I'm currently unable to perform XXXX deliveries. This situation has had a severe impact on my life, as I rely on these deliveries to make a living and cover my essential expenses. 

The impact of this unjust assessment by Checkr has extended far beyond their intentions, as it has caused an intricate web of financial stress and emotional strain. Each day that Im unable to undertake these deliveries is another day I wrestle with mounting bills and the haunting uncertainty of how I will manage to make it through. My dreams, aspirations, and even basic necessities have been placed on hold, a victim of circumstances beyond my control.