davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers!

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ...

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!
Consumer complaint received 2020-09-12
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5100.00}, {$3500.00}, {$3400.00}, {$1900.00}, {$6400.00}, {$7600.00}, {$2200.00}, {$3200.00}, {$3900.00}, {$4200.00}, {$9600.00}, {$4100.00}, {$0.00}, {$0.00}, {$0.00}, {$2300.00}, {$580.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3500.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7600.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 

8. XXXX XXXX XXXX, XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

9. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3900.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9600.00} -This is not my account. 


-- XXXX XXXX 12. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

13. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- PERSONAL ACCOUNTS 14. XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

15. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

16. XXXX XXXX XXXX XXXX XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account. 


-- COLLECTION ACCOUNT 17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account.
Consumer complaint received 2020-09-12
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. (GA)

THERE ARE SOME FRAUDULENT ACCOUTNS LISTED ON MY CREDIT REPORT. THESE ACCOUNTS NOR INQUIRIES DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT.
Consumer complaint received 2020-09-12
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: CITIBANK, N.A. (MD)

Upon reviewing my annual credit report, I noticed an inaccurate item listed under Adverse Accounts. Under the remarks section, my now closed AAdvantage Citi Card reads Chapter XXXX Bankruptcy : Closed by Credit Grantor. I always thought it was odd how this card magically was closed without any notice to me. I did not worry about it since I rarely use and keep it open only to keep my XXXX XXXX Advantage Account active. However, this inaccurate reporting was the catalyst for my recent declination from XXXX for my nephews time sensitive student loan application. On XX/XX/2020, I disputed the information with XXXX  and Citibank. XXXX   provided an email response this week stating " The information you disputed has been verified as accurate, however, information unrelated to your dispute has been updated. Account # XXXX The results are : We have verified that this item has been reported correctly. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : Citicards CBNA, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX. I have not received a response from Citibank who was able to respond to XXXX. 

Given that I have never filed bankruptcy, it is perplexing to me how Citibank could report this. What's their source? What information did they share with XXXX? 

Citibank has not responded yet and I am reaching out to them again today via letter. How does this happen? It does not make any sense since it is 100 % factually incorrect.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

( 103 True identity theft ) REPORT NUMBER XXXX XXXX Report Number : XXXXXXXX XXXX File Number : XXXX i am a victim of the Equifax data breach and ive filed my claims accordingly ive been attempting to clear my credit report of these fraudulent items as far back and ive been unsuccessful XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CA)

I have spoke with several different Equifax employees on XX/XX/XXXX, XXXX for two hours each time on the phone regarding why is my credit score not showing a credit score and no update since XX/XX/XXXX. Then on XX/XX/XXXX I receive a email from Equifax stating that I can review my credit report and score. I contact the lender to see if I was able to be pre-approve. The lender sent me a email saying he has never seen this before there is nothing showing up. But the other two creditors are reporting my scores. So I called back again and was on hold for 30min to see if the problem can be fixed. The representative stated that its nothing he can do and hung up in my face. Equifax is holding me up from getting my pre-approval and I missed out on several home that I no I could have qualify for
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (GA)

my credit card debt of {$830.00} was sent to XXXX XXXX XXXX. After constant harassment in the form of multiple phones calls at odd hours of the day, they offered me a settlement deal of {$410.00} and was told to secured the deal by giving them my bank account number so they can do a direct draft of $ XXXX monthly. I agreed to the settlement but rather opted to pay them with a cheque and also promised to pay the rest of the settlement as soon as my income tax refund is received. 
I made the first {$50.00} payment and immediately they received the cheque they turned around and told me the amount will go towards the balance of {$830.00} and then they can not offer me the settlement. I therefore feel that they have breeched the agreement they had with me and also taken my money.
Consumer complaint received 2021-02-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

Back on XX/XX/XXXX. I ask about being put in a payment plan. Was told my monthly payment would only be {$270.00} a month. I double with the agent on the phone if that amount applies for all three of my loans. My loans are 1-09 XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/XXXX I check my bank account didnt see no payment come out so I waited until XXXX, XXXX to call and in check to see why my payment wasnt taking out. Ended up making a payment over the phone. About two weeks go by and I received a call saying I havent made a payment. This guy was very aggressive and practically forcing me to make a payment. So I hung up and call to speak to someone else. The other agent and supervisor came on the phone the told my payment was applied wrong and my account is fine. Another two weeks go by and I received a call saying my payment as been reapplied to the correct loan but I still owe a payment of {$270.00}. So they began to explain to me that my third loan ( XXXX XXXX XXXXXXXX ) wasnt being paid and I was past due since XX/XX/XXXX to now. So totaling over {$570.00} dollars. So I told the agent I would check my account and call back to set up a payment. Spoke to an agent on XX/XX/XXXX and set up a payment for the third loan XXXX. Ask the agent if I would receive an late payment on my credit report. The agent told me no since I set up the payment and also remove the late fees plus place me in a disaster forbearance program to help bring my account back up to current since I was going through so much confusion. Well I get an email XX/XX/XXXX stating my loan XXXX posted past due on my credit report and now Im minus 77 points. I dont understand how this is my fault when I been give misguided information for the past two months.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

there are 2 inquires i've called about and mailed letters regarding. 


the 2 inquires are from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

I requested a freeze on my credit a month ago through Experian. I wasn't give a pin number at that time. I've been trying to remove the freeze by having the pin number resent to me. I have tried using their online service but even though I answer the questions correctly they denied sending me the required pin. I have sent the required form letter with all of the required information, which they received more than a week ago. Their website says that a freeze would be removed within 3 days of receiving the letter. There is no way to actually talk with someone at Experian. I need help getting Experian to unfreeze my credit. Thanks XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX  Account number : XXXX
Consumer complaint received 2020-04-21
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: Integrated Asset Recovery LLC (DC)

Portfolio Recovery is reporting a debt that was received from XXXX XXXX  of {$190.00}. I have notified Portfolio Recovery, but it still shows on XXXX  and XXXX  as closed, but with a balance of {$190.00} owing. XXXX is used as a conduit for payment instead of exposing my bank account or credit card to prevent fraud. I had one account with XXXX XXXX and paid it completely on XX/XX/XXXX, leaving an overpayment of {$3.00}. On XXXX XXXX, XXXX stated the balance on the account was {$0.00}, the {$3.00} disappeared from the records. 
I never used XXXX for extended charges afterwards, or small charges, which Portfolio Recovery stated occurred on XX/XX/XXXX - {$7.00}, {$1.00} ; XX/XX/XXXX - {$7.00} ; XX/XX/XXXX - {$6.00}, {$5.00} ; XX/XX/XXXX - {$9.00} The charges totalled {$37.00}. On XX/XX/XXXX - {$29.00} was added to the total, XX/XX/XXXX - {$66.00} + {$40.00}, XXXX XXXX {$38.00} + {$2.00}, and XX/XX/XXXX - {$38.00} + {$3.00}. While XXXX XXXX shared this information with me, XXXX, nor XXXX bothered to investigate by confirming with XXXX. These charges would not have accrued on my XXXX account as they would have been taken directed from my bank account through XXXX. I am including records of XXXX transaction made during XXXX through mid XXXX. The charges are FRAUD. These charges are not shown on the records. I'm including my XXXX records for your review.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meade & Associates, Inc. (MD)

On XX/XX/XXXX I receive a notification on my XXXX  Credit report of an account with Meade & Associates for a debt I had no idea about. The debt was from a check written to XXXX XXXX for {$37.00} back in XXXX. I call Meade & Assc and asked them why they would just now report this after all these years without notifying me first. They were XXXX XXXX XXXX. They could not provide validation of the debt. They said all they have was a copy of the check. I explained that I was a victim of identity theft years ago the I had provided all the companies involved with the verification, that this happened to me with affidavits & letters of confirmation. I asked them to either provide me with proper validation or remove this from my credit report. They were XXXX XXXX XXXX XXXX XXXX has tons of complaints against this company for unfair trade practices, which is exactly what they did to me.
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I had a promotional 0 % interest rate on my Bank of America credit card until XX/XX/2019. At that point, I changed my payment options to pay the amount due as opposed to the minimum amount. However, for some reason this payment plan did not take effect, even though it still shows that the amount due payment option still reflects on the website. 
For that reason, I am requesting that Bank of America waive the {$95.00} of interest. 
Here is the list of amounts : {$24.00} XXXX {$21.00} XXXX {$19.00} XXXX {$14.00} XXXX {$9.00} XXXX {$4.00} XXXX {$95.00}
Consumer complaint received 2021-02-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I XXXX XXXX am a victim of identity theft and fraud. XXXX  IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX  ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2021-02-08
Product: Credit reporting, credit repair services, 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. (SC)

I XXXX XXXX am a victim of identity theft and fraud. XXXX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING XXXX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
Consumer complaint received 2020-04-20
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: WASHINGTON FEDERAL BANK (OR)

I went into a branch in XXXX, OR in XX/XX/2020. I asked to withdraw the remaining {$100.00} out of the account and close it that day. They told me I couldn't close the account or withdraw the funds. I was told they would look into this situation and I never heard back. I was shocked with their response and I'm XXXX years old and don't live anywhere near a local branch, it's a 200 mile round trip for me. I have never been told, " I can't close my account and withdraw the remaining balance ''. The account is active and I still get statements but I wish to close it and withdraw the funds now. This account is in good standing and should have been available to me to take care of in XXXX. I want a full explanation of why they turned me away and I want them to get this done immediately and send me a check to my PO Box .
Consumer complaint received 2024-09-12
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: Open Dealer Exchange, LLC (FL)

I have recently learned that I am a victim of identity theft, as I looked at my credit report I noticed inquiries attempt on my credit report of car dealers and possibly banks, I am taking all the proper procedure and reaching out to all the proper agencies and companies to ensure my name is cleared of this fraud to avoid any further damage to my persona and name.
Consumer complaint received 2021-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (MS)

this is my 2nd attempt for requesting information from national credit systems regarding this alleged account, I sent a letter on XX/XX/2021 asking for important documents concerning this account and has not received anything for the last two months.i have attached a copy below as well.
Consumer complaint received 2020-04-21
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. (IL)

Experian XXXX. XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

XXXX  XXXX COLLEGE/XXXX-XXXX  XXXX Provide Physical Verification UNVERIFIED ACCOUNT INCORRECT BALANCE * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You
Consumer complaint received 2020-04-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: STERLING BANCORP (CA)

Bank does not let me transfer money out. 

On XX/XX/XXXX, my request to transfer {$25000.00} out of the account was canceled for no reason ( Item # : XXXX ). 

On XX/XX/XXXX, my request to transfer {$25000.00} out of the account was also canceled for no reason ( Item # : XXXX ). 

The bank would not let me transfer out more than {$25000.00} under any circumstance, even during the Covid-19 pandemic.
Consumer complaint received 2020-04-20
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX  XXXX {$430.00}