davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-04
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)

I disputed a bankruptcy XXXX on my credit report with experian report # XXXX which experian said was verified by the XXXX XXXX CT NY XXXX XXXX However I reached out to the XXXX XXXX CT NY XXXX and they responded by saying that they did NOT Verifie this with the experian or any credit bureau and so I asked them to remove it as it does not comply with FCRA 611 ( 15 U.S.C 1681i )
Consumer complaint received 2022-12-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates (SC)

MBA LAW violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; I have attached my ID, Social and proof of residency during the date of service. This account is being inaccurately reported on my credit.
Consumer complaint received 2022-12-04
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: EQUIFAX, INC. (VA)

On XX/XX/2022 Equifax emailed me saying the results of my dispute would be available online until XX/XX/2022. The confirmation # of the dispute is XXXX. Whenever I try to download/print the results, I get the message " Oops. Something went wrong. Please try again later. '' It has never worked for me ; I have tried to get the results everyday since XX/XX/2022. I called the Equifax help line. I was told this is a known issue, there is no fix, and to try it again later.
Consumer complaint received 2022-12-04
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIBANK, N.A. (MD)

on XX/XX/22 a loan was processed in my name without my knowledge via my Citibank account. I was not aware, nor did I approve or sign for this loan. Citibank has acknowledge it is fraud and has provided documentation to dispute. The frauds also compromised my citibank checking bank accounts and stole {$1200.00}. This was all done virtually via my online citibank account.
Consumer complaint received 2022-12-04
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. (FL)

I've disputed accounts that were opened via identity theft with servicer between XXXX to 5 times and they keep verifying the information is correct. I've told them to block the information also but they refused to do so. Their response was my dispute isn't valid, because I didn't identify the account I wan to be disputed/erased. I took all the necessary steps to remove the tradelines off of my report. They refuse to block info that I'm telling them is result of Identity theft
Consumer complaint received 2022-12-04
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. (NJ)

I am a natural person, I am a living human being, I have rights under 15USC 1681 XXXX and Experian is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the rights to privacy and did not give XXXX and Experian any written permission to furnish these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I urgently want the unauthorized inquiries on my credit report to be removed and blocked. This fair resolution would help ease the shock and stress Ive been experiencing, and I hope its resolved swiftly so I can regain some peace of mind.
Consumer complaint received 2022-12-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I attempted to add the account number and routing number for an external bank account to my Citi account in order to make an ACH transfer from my Citi bank account to my external account. When I did this, I received error code " XXXX '' and a phone number to call to attempt to resolve the error code. 

I called the number and spent approximately 1 hour speaking to various representatives about this issue. I was told that due to a " maintenance issue '' I could not add an external account, but the maintenance would be done in 24-48 hours.

After 48 hours, I attempted to add the external account to my Citi bank account. I received the same error. I called Citi again. Citi now stated that Citi has discontinued the ability to add external accounts using an account number and routing number. Citi stated that the only way to add external accounts was by using XXXX. Nevertheless, the ( non-functioning ) option to add external accounts using account numbers and routing numbers still exists on the website, and as an option in Citi 's terms and conditions. 

My external bank account does not support XXXX. Thus, I can not add this account using XXXX. Furthermore, the use of XXXX is prohibited by the terms of service of most banks, as it requires providing bank account logins to a third party service. 
I am therefore unable to access my funds in my Citi account! 

In order to access my funds, I also attempted to add my external account as a XXXX XXXX recipient ( as the external account is a brokerage, they are registered with Citi and appear in Citi 's system as an eligible payee ). When I attempt to do this, I also receive error code " XXXX ''. I was transferred to the fraud department to help resolve this issue. The ( nearly inaudible ) agent within the fraud department requested that I receive a verification phone call in order to verify my account. I could not do this as I was on the phone with Citibank. After some time, the agent stated that " my account was not eligible for servicing at this time, bye-bye '' and hung up. 

As it stands, the funds in my account are inaccessible. I need to add an external account, but every method to do so is broken. Despite this problem, I have been hung-up on repeatedly by customer service representatives. 

All I would like is to be able to transfer funds from my account electronically. The bank does offer wire transfers for a fee, but I refuse to pay the fee given that I should have access to electronic transfer methods with no fee.
Consumer complaint received 2022-12-04
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: All State Credit Bureau, Inc. (NY)

Im entering this complaint on the basis of Defamation of character frauds identity theft Knowingly and without lawful authority causing damages to my reputation excuses for making these accusations false claims and transferring my private and public information is unlawful without my written or authentication of original signature or document is required and if not provided is unlawful and against the rights of FCRA For me as a consumer Im requesting an opportunity to cure with original documentation of such misleading information about my private & public information. All inquiries need to be removed all charge offs need to be removed because they are income and income can not be reported on consumer credit reports. 
All original documentation should be presented after investigation anything such of copies are considered counterfeit in the law of the FCRA.
Consumer complaint received 2022-12-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (MD)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2022-12-04
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pendrick Capital Partners (FL)

This company has continued to put a medical bill that belongs to my daughter whom was the age of XXXX on my credit report I have constantly had to dispute to have removed on many occasions I have also called them and they told me that they were gon na keep going after me although they know it belongs to my daughter they got my information as she was on my insurance my insurance paid the portion the rest of the bill would belong to my daughter not me when I spoke to them they were very rude and threatened that they would put it on my credit and they have XXXX times now and I keep having to spend time filing disputes with credit bureau and they have kept removing it just because someone is on your insurance should not allow company to have my information and try to charge me for the bill specialty when they patient is a grown adult age XXXX and they dont even have it on her credit report and also was not around when she went to the hospital I have not authorized the hospital nor any other to have or use my personal information especially my social security number and now they have also mailed to my current address
Consumer complaint received 2024-09-07
Product: Credit reporting 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BARCLAYS BANK DELAWARE (OK)

I am going through financial hardship and was trying to figure out payments. 

Barclays had called me several times and I was finally able to accept a low interest payment plan. 

I spoke to a representative on XX/XX/XXXX for over XXXX minutes. I accepted a low interest payment option and all of the terms over the phone. 5.99 % interest with a minimum payment of {$150.00} a month. I scheduled payments out until XXXX of 2023 for auto draft and gave my banking information. 

They have called and emailed me now stating my account will be charged off and I didnt not schedule payments. They have also stated my program is no longer available.
Consumer complaint received 2022-12-04
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc. (IL)

GM Financial showing this on my credit report as a charge off - this is fraud I paid my dues and fees durring COVID also tried to purchase the vehicle - you rae promoting fraud they got my payments + I made a XXXX  downpayment to purchase the vehicle as stated During XXXX  they sold the car as profit and they report this or charge it off? NO they already made XXXX on a cheap XXXX vehicle Take that off my credit immediately as this prevents me from getting a job THis is discrimination
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was shocked to see inaccurate accounts on my credit report tonight, and Im completely at a loss as to why theyre there. I routinely check my credit report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, hoping it was just a glitch, but the inaccuracies remained. Given this situation, Im requesting a thorough review of the documents Ive submitted so I can stop worrying about this in the future.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

Im expressing extreme frustration and disgust with the inaccuracies and unauthorized inquiries found on their credit report. Ive gone through significant effort to identify and dispute these errors, citing specific violations of the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws.

Key violations and demands : Incorrect personal information : Ive disputed the accuracy of their date of birth, name, previous addresses, and employers.

Unauthorized inquiries : Im disputing unauthorized inquiries from XXXX, XXXX XXXX, and XXXX of XXXX. 
Late payment disputes : Im challenging late payment entries on accounts with XXXX XXXX BANK XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, citing a lack of proper notice. 
Debt validation requests : The consumer is demanding detailed validation of debts from XXXX XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXX 
Credit report corrections : Im requesting the removal of all inaccurate information from their credit report and is demanding that the credit reporting agencies comply with the FCRA 's investigation and correction requirements.

I have included specific references to relevant federal laws, such as 15 U.S.C. 1681i ( a ), to emphasize their legal rights and expectations. I will take legal action if my demands are not met.
Consumer complaint received 2022-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

I was charged {$7.00} interest on XX/XX/2022 in the statement closed on XX/XX/2022. When I called credit card company on XX/XX/2022 and inquired about the interest, I was told above interest pertains to the foreign transaction fees ( total {$63.00} ) posted in the statement closed on XX/XX/2022. However, the credit card already reversed the full amount of above mentioned transaction fee on XX/XX/2022 following a conversation I had with them on XX/XX/2022. 

When I asked them why they charge interest for a charge that's already reversed. I was told they charge interest based on the statement balance in spite of further changes after the statement was issued. In another word, in order to avoid interest, I would have to pay for the fee in the statement balance even if this very same fee got reversed after the statement was issued. The thing is the credit card company didn't tell me that when I spoke with them on XX/XX/2022 during which they agreed to reverse the foreign transaction fee.
Consumer complaint received 2022-12-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC. (FL)

I had a car loan with Santander consumer USA. My first late payment was in XX/XX/2015. I had asked them to up date the information as it will be coming off of my report soon and they went back into their records and put that I was never late. I honestly had a difficult time paying this company and I later found out that they were a predatory lender.
Consumer complaint received 2022-12-04
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)

They advised me that they investigated with the company and the negative account ( and its impact on my credit ) remains as accurate. The account was PAID OFF the same day after it was reported 30 days late. I want the status update to reflect that it has been paid off. Please see the attachment for additional info. 

The fact that I have to report the credit bureaus every other day is absurd. Why is it so difficult to do your job? You are going to find yourself landed in court with another lawsuit if my credit report continues to be inaccurate and youve been given multiple chances to make the appropriate corrections ( with evidence ). 

You have been warned.
Consumer complaint received 2022-12-04
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: Nelnet, Inc. (FL)

In accordance with the fair credit reporting act XXXX  Accounts : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

15 USC 1681 Section 602 Sates I have right to privacy.

15 USC 1618 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2022-12-04
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

TO DATE IS XX/XX/XXXX MY NAME IS XXXX, XXXX I AM FILING A COMPLAINT AGAINST XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, BOTH COMPANIES failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of my consumer report consumer reports as defined in 15 U.S.C. 1681a ( d ), and consequently reported inaccurate information about me causing me irreparable harm. 
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o This account dont belong on my consumer file and must be deleted immediately USAA SAVINGS BANK XXXX Date opened XX/XX/XXXX Consumer reports under 15 U.S.C . 1681a ( d ) include both credit file disclosures obtained directly by me from the consumer reporting agencies and consumer reports obtained by third parties as a factor in establishing my eligibility for credit. 
XXXX negligent, willfully continued to report the inaccurate information even after dispute notices under the FCRA absent notices of dispute about the accuracy of this account and I have notified XXXX of an error and requested a re-investigation which never happen. 
Despite various disputes I had submitted to XXXX company willfully ignored all my attempts to correct the misleading information, that resulting in the denial of various loans. 
Which cause me irreparable harm, emotional and financial stress to me. 
XXXX unreasonable policies and procedures routinely report inaccurate and materially misleading information about consumer file including this account with USAA SAVINGS BANK that have been discharged from identity theft and has no permissible purpose. 
Rather than follow reasonable procedures to assure maximum possible accuracy, as required by the FCRA, XXXX frequently reported information regarding debts based on information they know is incomplete or inaccurate. 

Remove this account from my file USAA SAVINGS BANK XXXX Date openedXXXX ( ( please see attachments ) )
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2022-12-04
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # 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