davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (DE)

I participated in a promotion starting on XX/XX/XXXX which was " Spend {$500.00} and get a {$300.00} statement credit ''. The requirements were to spend {$500.00} from XX/XX/XXXX - XX/XX/XXXX. I satisfied those requirements by spending {$690.00} between XXXX. I sent online messages to Citi Retail Services on XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Basically, the online agent responded that I didn't qualify for the offer, but didn't give any details on why. When I asked why, they advised I needed to call the customer service phone #. 

I called in and talked to XXXX, then XXXX on XX/XX/XXXX at XXXX. XXXX, an account supervisor, forwarded my issue and request to another team for review. She said they would reach out with questions or a response within 48 hours. I advised that I did not save proof of the promotional offer, but that the company should have record of the offer, since they solicited me. They still have not contacted me with a resolution, so I am filing this complaint. 

I only use this card when the company sends me an enticing promotional offer, so it should be very obvious to them that I satisfied the requirements of this promotion.
Consumer complaint received 2022-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (NV)

I did some research and found that Genesis Financial Solutions has taken over this account. It is my understanding that it used to be serviced by XXXXXXXX XXXX, and now it is serviced by Genesis. My XXXX XXXX credit card is reporting a list of inaccurate information on my closed XXXX XXXX credit card account. I had filed a complaint with the XXXX  about XXXX XXXXXXXX reporting unauthorized accounts on my report which they had to remove. Immediately after, my XXXX XXXX account which had been closed since XXXX suddenly had a list of adverse information attached to it by XXXX and it was showing up as a 'recent bankruptcy. ' Ridiculous. The following adverse claims are currently showing up on XXXX, " potential late payment as of XX/XX/XXXX, account included in XXXX XXXX XXXX, dispute resolved consumer disagrees. '' XXXX is reporting, " Consumer disagrees after resolution. '' And my entire positive payment history has been deleted. XXXX is reporting, " XXXX XXXX XXXX, consumer disagrees after resolution. '' And the credit alert popped up and said, " New bankrtupcy '' on my credit, taking a huge amount of points off of my credit score. Until now I never had a reason to dispute that account, a dispute indicator was added when I had never disputed that account. And that the consumer disagrees with the resolution. Where did all this completely false information come from? It needs to be fixed immediately. This is preventing my family from applying for safer housing. It's completely unacceptable. I have an excellent relationship with Genesis. I have had three cards with them, and never missed a payment. It's offensive they would put so much false information about me on three credit bureaus. It's also offensive, by the way, that they have never increased my credit limits. {$300.00} is a pitifully small credit limit, which is what my Indigo card has and I have had it with a flawless record for two years. I filed a XXXX Complaint against XXXXXXXX XXXX  which they did not answer. I filed a CFPB complaint which they have not answered. I also now had to dispute the account with all three bureaus. This matter remains unresolved.
Consumer complaint received 2022-06-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

XX/XX/2022 and XX/XX/2022 Disputed amount : {$130.00} USD XX/XX/2022 at XXXX XXXX  PDT You appealed the outcome of this case by providing the following additional info. 

Everything I did was over the phone. I have no document I can upload. I called XXXX back in XXXX or XXXX to have my services canceled due to their ties with XXXX. It was all over the news that XXXX could use XXXX to cause damage to the US network. When I saw I was charged again for the services, I called XXXX and they were no help, and said I had to call XXXX. When I called them, they were also no help, but said they were unable to find any account. Neither company XXXX or XXXX is willing or able to help resolve this issue. I do not have the software installed, I am unable to even download said software because I have no account. If is matter is not resolved I will take the action further to DFPI and FTC, and if I have to I will also file with the court. I called and had the services canceled and I bought XXXX for my services. It is not my fault they didn't do their job correctly. Not all companies allow customers to cancel with ease online. XXXX is a company that I was unable to find how to cancel online, so I had to call and cancel. I will not use a service that has ties with XXXX and could harm the US. 


XX/XX/2022 Spoke to the seller ( XXXX XXXX XXXX ), and the seller said they could not help I had to call another company ( XXXX at XXXX ). I called the other XXXX and they were unable to find my account in their system. I asked to speak with someone else, but they were unable to transfer me to speak to anyone else. I canceled my account with them back in Late XXXX or early XXXX due to security concerns with XXXX having ties with XXXX. All Services have been deactivated on all my systems, and removed from all my systems.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NIC, Inc. (MO)

The following complaint pertains to XXXX XXXX XXXX in XXXX MO. Below is the correspondences address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Every time I visit XXXX XXXX XXXX XXXX in XXXX MO XXXX XXXX receive a bill in the mail approximately three plus months after the receiving services. Once I receive the bill, the amount is immediately reported to a credit collection agency! 

In other words, once a bill is received in the mail, XXXX XXXX does not give me proper time to pay the amount, before its reported to a collection agency, where I receive a negative impact on my credit report. 

Most recently, I received a bill in the mail last week from XXXX XXXX XXXX XX/XX/XXXX, I pay the amount due, please see attached payment receipt. Today, XX/XX/XXXX, I receive a notice in the mail from Nemos Investigations and Collections for the amount I paid on XX/XX/XXXX directly to XXXX  XXXX, see below address : Nemos Investigations & Collections XXXX XXXX XXXX XXXX, AZ XXXX. 


This has been an on going problem for over a year, such that I have asked XXXX  XXXX to mail me bills immediately after I receive services, and, NOT TO WAIT THREE PLUS MONTHS! 

I have communicated to XXXX XXXX in the past the following : " Why even send me a bill if at the same time its sent XXXX XXXX is immediately reporting the amount to a Collections Agency, before I receive the bill in the mail, and, before I have an opportunity to pay it. ''
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

I am writing to follow up on a previous communication regarding inaccuracies on my consumer report related to late payment entries. It has come to my attention that my report still inaccurately lists late payments for my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where I have consistently made timely payments.

As you are aware, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to ensure that all reported information is accurate and complete. I kindly request a thorough investigation into these discrepancies.

Please provide verifiable documentation, such as account statements, that demonstrate any alleged late payments. If such proof can not be provided within the standard timeframe allowed by FCRA, I respectfully request that my report be updated immediately to reflect my true, on-time payment history, in compliance with FCRA Section 611.

This serves as my second formal request, and although I remain hopeful for a swift and amicable resolution, please be informed that if these inaccuracies are not corrected, I shall consider seeking legal counsel to ensure compliance with federal regulations.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (SC)

XXXX- Unsecured Loan with account # XXXX opened on XX/XX/2021 and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please provide proof and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 15 USC 1681 I 1A,15 USC 6801, 15 USC 6802, USC 1681 ( e ) ( b )
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (KY)

1006.34 Notice for validation of debts Did not receive notices and do not know of these alleged debts ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication.

-- -- -- disputing the alleged debt -- ---
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 


XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2022-06-21
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: Experian Information Solutions Inc. (VA)

In late XX/XX/2021, the XXXX XXXX company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the Morgage company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every penny mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from XXXX XXXX I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

N Accordance with the Fair Credit Reporting Act these following companies have violated my rights. 
15 U.S.C 1681 section 604 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. 

XXXX XXXX XXXX  Balance : {$7600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Balance : {$170.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXXr Date : XX/XX/XXXX XXXX XXXX XXXX  Balance : {$480.00} Date : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2015
Consumer complaint received 2022-06-21
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. (NC)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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.

I submitted 15 disputes in 12 months to the credit bureau that my name was incorrect, the accounts were paid and not updated as well as additional inquiries showing on my account after I sent a police report that my information was used fraudulently. 

My name is XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX, NC XXXX. My social security number is XXXX. 

The incorrect information on my credit file is the following : XXXX XXXX XXXX XXXX XXXX The incorrect addresses on my credit file is the following : XXXX XXXX XXXX XXXX, NC XXXX Incorrect info on my file : XXXX XXXX  Acct : XXXX Account was paid in full and should be removed XXXX XXXX XXXX XXXX Acct : XXXX Account paid in full and should be removed. My child is XXXX years old and case closed when he graduated XXXX XXXX. 

Inquiries that are unauthorized, please remove : XXXX XXXX XX/XX/2020 I did not authorize them access to my credit file Factual Data XXXX XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 I did not authorize them access to my credit file. 

XXXX XXXX XXXX XX/XX/2020 I did not authorize them access to my credit file
Consumer complaint received 2024-09-18
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)

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Please remove the following account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-20
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. (NY)

On XX/XX/XXXX I filed a dispute for a debt for a XXXX XXXX test conducted at XXXX XXXX XXXX XX/XX/XXXX. At this time I was told it was free or my insurance covered it. I have been charged with a {$270.00} for this without an actual office visit and just a XXXX  XXXX test  done while sitting in the car. This has severely lowered my credit score. As of today, XX/XX/XXXX Experian said it is verified and updated. My credit score prior to dropping to XXXX from this was XXXX.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

In accordance with the Fair Credit Reporting act XXXX  ( Account Name XXXX XXXX XXXX XXXX XXXX ( Account # XXXX and ( Account Name : XXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights. 

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
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX along with XXXXXXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States that I have a right to privacy, 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a a payment on a credit account under an open end consumer credit plan as late for any purpose. The provided data to the XXXX on or about XXXX XXXX XXXX. Listed below is their contact infor : LCI Consumer Center XXXX XXXX XXXX XXXX, CA XXXX XXXX I gave no legal authority to collect or disseminate my personal information at any time. This has resulted in a denial of XXXX Please seek maximum damages on my behalf!!
Consumer complaint received 2022-06-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, 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)

n accordance with the Fair Credit Reporting act XXXX XXXX.Account number XXXX, XXXX XXXX Account number XXXX has violated my rights. 

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
Consumer complaint received 2022-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I lost my wallet about 3 months ago containing my drivers license and social security card and other bank cards which I quickly cancelled. And a few weeks ago I pulled my credit and notice alot of inquiries unauthorized and fraudulent account I contacted the companies and request they be removed but nothing happened
Consumer complaint received 2022-06-20
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: Resurgent Capital Services L.P. (OH)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.