davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-12
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$5500.00} XXXX  XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance {$640.00} XXXX  XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX  Balance {$640.00}
Consumer complaint received 2021-10-19
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. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Subject : Complaint Regarding Rude Customer Service, Improper Fee, Account Access Issues, and XXXX Malfunction Details of the Complaint : On Saturday, XX/XX/2024, at approximately XXXXXXXX XXXX  EST, I called Citibank to address several issues with my account, including a {$15.00} fee that I believe was improperly charged. I maintained a balance of {$5000.00} within the first few days of opening the account, which should have satisfied the requirements to avoid the fee. Despite this, the fee was charged, prompting me to call and request that it be waived. 

When I called the business banking department, the representative was extremely rude, argumentative, and condescending. They repeatedly asked for identifying information, including both my business and personal checking account numbers, and made me repeat myself multiple times unnecessarily. This prolonged the call and added to my frustration. The representative then lectured me in a condescending tone, argued with my responses, and ultimately hung up on me without resolving my issue. 

I then called Citibank 's main customer service line and asked to speak with a business banking specialist. The representative claimed they could assist me, but it became clear they were not equipped to handle my concern. After keeping me on the phone for approximately 30 minutes, they also hung up on me without providing any resolution. 

Adding to my frustration, I discovered that my account is now frozen, and I am unable to log in. Additionally, XXXX is not working, which further hinders my ability to access or use my funds. This is highly inconvenient, as I rely on these services for my daily financial activities.
Consumer complaint received 2024-11-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I have had my Bank of America credit card for XXXX  years and today I tried to use it and its showing closed! I have not been notified of this card closure as it will impact my credit. I am XXXX and this is the only credit card I have. They have taken this retaliatory action because I filed a federal case against them! I have been paying as agreed.
Consumer complaint received 2024-11-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd. (TX)

I had a XXXX  account in Texas. I returned the equipment to XXXX and received an invoice. I was told by XXXX Collections, that there is no more debt, the debt was almost 4 years ago. I do not owe anything to them, actually have a new account. This company XXXX and XXXX have been texting and sending me messages for the past year, even after I showed proof of XXXX debt with XXXX XXXX.
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

We filed bankruptcy in XX/XX/2015but never foreclosed on the home and continued making on time payments to XXXX XXXX. These payments are not being reflected on our credit report so we're not getting credit for them. We're trying to get a home equity loan with our credit union but because it doesn't show any payments being made to XXXX XXXX they are unable to help us. I filed a dispute and the results that I got was that the whole history of the account with XXXX has been deleted from my credit report. But that's not what I'm asking, I'm asking for the payments that we're still making to be reflected. I feel like we're making payments for nothing. Who's to say that once we eventually do pay off the house that they just keep the title and the house never is placed in our name. We can not continue to stay in a home that needs repairs without getting a loan for repairs. So we either need to be able to get a home equity loan or walk away from this house. I've tried contacting the lender and I just get the runaround every time I call. They transfer me to one person who transfers me to another who transfers me to another and eventually they say they'll call me back and they never do. This has happened on multiple occasions. I've tried writing them. All that got me was now when I log online it actually shows a balancece on my account. I feel as though we are the only ones trying to make things work here. Please advise
Consumer complaint received 2020-07-31
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)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-07-31
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

I have reached out to Experian several times about the inaccurate and abusive reporting they are currently doing on my account. The account DEPT OF EDXXXX is inaccurately and improperly reporting on my credit with experian as opened when it should be closed just as they closed the duplicates of it. Instead they have changed the name, the balance and put payment dates on this account when I have not paid anything else on this account since last year because it is closed. 

I am positive experian is not using a human or truly investigating my disputes because the last dispute experian started the investigation on XX/XX/2023 and it was verified and completed on XX/XX/2023. The account should be closed and deleted. Experian has not responded back to you with my dispute results as closed. Its some fraudulent activities going on and I am keeping tabs on the back and forth and will not stop. I actually mailed this same information in to them as well today. 

Please help experian get this resolved. This is a violation of my consumer credit rights on so many levels.
Consumer complaint received 2023-06-22
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: Regional Management Corporation (NC)

XXXX and XXXX are allowing an account to be re-reported. it was deleted and blocked. the creditor is now reporting a new account. the name of the creditor is regional finance. XXXX financial also reported duplicate accounts and now i am having trouble getting those two accounts removed. i sent the credit bureaus the proper documents. regional finance and XXXX XXXX are not allowed to contact me. there is a cease and desist order in place with regional and hopefully XXXX has put one out like i requested since i reported both companies the nc doj
Consumer complaint received 2020-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: KEYCORP (OH)

We filed bankruptcy in 2015 but never foreclosed on the home and continued making on time payments to Key bank. These payments are not being reflected on our credit report so we're not getting credit for them. We're trying to get a home equity loan with our credit union but because it doesn't show any payments being made to Key Bank they are unable to help us. I filed a dispute and the results that I got was that the whole history of the account with KeyBank has been deleted from my credit report. But that's not what I'm asking, I'm asking for the payments that we're still making to be reflected. I feel like we're making payments for nothing. Who's to say that once we eventually do pay off the house that they just keep the title and the house never is placed in our name. We can not continue to stay in a home that needs repairs without getting a loan for repairs. So we either need to be able to get a home equity loan or walk away from this house. I've tried contacting the lender and I just get the runaround every time I call. They transfer me to one person who transfers me to another who transfers me to another and eventually they say they'll call me back and they never do. This has happened on multiple occasions. I've tried writing them. All that got me was now when I log online it actually shows a balancece on my account. I feel as though we are the only ones trying to make things work here. Please advise
Consumer complaint received 2019-06-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a copy of my Transunion credit report file # XXXX Date Issues XXXX and it continues to report errors. I am requesting re-investigation in to the following 3 collection accounts Transunion is reporting negatively on my report- XXXX XXXX XXXX XXXX XXXX- This account shows a original balance of {$590.00} and a past due balance of {$570.00} on report file # XXXX dated XXXX but on the report # XXXX dated XX/XX/XXXX it has the last payment date XXXX. XXXX XXXX did not own the account this account they are claiming- How can this be and I have never made a payment to this company because I have been in dispute. This is inaccurate XXXX XXXX # XXXX- This account shows a date closed of XX/XX/XXXX and a date updated XX/XX/XXXX but this account is still showing an amount due of {$310.00}. How can an account be closed with a balance? 

XXXX XXXX # XXXX - This account shows a date closed of XX/XX/XXXX if this account was closed on this date then it is beyond the 7 year legal time limit of TransUnion reporting this account- Yet the removal date on this report is showing XX/XX/XXXX this is not possible I have enclosed and uploaded a copy of my report XX/XX/XXXX for your review- I have highlighted each error I have located -I would like these accounts re-investigated and removed for the following error and inaccuracies. They should be deleted immediately
Consumer complaint received 2019-06-28
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)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2019-06-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Exeter Finance, LLC. (CA)

XX/XX/XXXX my father who is my co-signer filed bankruptcy. He DID NOT include my vehicle in his bankruptcy. My car loan company Exeter decided as of XX/XX/XXXX that they were going to report to the credit bureaus that my car was in my fathers bankruptcy. Also they put my account in their bankruptcy department refusing to give me any receipts of my payments and also not reporting to the credit bureaus of my payments Im making so my credit isnt getting any recognition of my payment history. Im the main applicant on my loan yet Exeter will not even recognize that and refuses to even change the lies they reported to the credit bureaus. I had filed a reaffirmation XX/XX/XXXX as asked by Exeter to get my car out of the bankruptcy status with Exeter but judge XXXX denied it because my car was not part of the bankruptcy so there was no point in a reaffirmation. As of XX/XX/XXXX my loan is now showing on my credit as closed discharged in chapter XXXX  bankruptcy which is completely false. I have NEVER been late on a payment in fact Im a month ahead in payments. I gave a very LARGE down payment. I have reached out to Exeter countless times and they treat me as if I tried stealing my car like Im trying to get it for free through a bankruptcy always so rude and disrespectful to me. I have contacted my parents lawyers I paid them to file the reaffirmation and wasted that money being that there was really no need for it. The lawyers have argued with Exeter as well as XXXX who represented Exeter. I reached out to XXXX XX/XX/XXXX and was informed by XXXX that as of XX/XX/XXXX they no longer were representing Exeter and they cant help me fix the false information on my credit. XX/XX/XXXX my credit dropped 56 points the day Exeter reported my car was in bankruptcy status. Then XX/XX/XXXX my credit dropped 76 points the day they changed the report to discharged in chapter XXXX  bankruptcy. This company has not only lied to credit bureaus but they have ruined my credit, they are lying saying my account is discharged in chapter XXXX  bankruptcy, not reporting my payments to show good payment history on my credit, my credit score isnt going up at all from my good history with the company which is a huge reason when getting a car loan, also them refusing to give me receipts is pathetic, but how they speak and treat me is embarrassing especially when my account was never in my fathers bankruptcy. Exeter keeps telling me the only way to remove this now that the reaffirmation was denied and judge XXXX completely explained when it was denied was to refinance through another lender but I have tried and keep getting denied because the false information Exeter has put on my credit reports. When I reach out to the companys who I tried getting a loan through they explain because what Exeter has reported they cant give me a loan.
Consumer complaint received 2023-10-12
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. (MA)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Consumer complaint received 2020-05-29
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: Santander Consumer USA Holdings Inc. (FL)

I contacted these debt collectors and let them know that I recently obtained my consumer credit file and discovered their agency was reporting alleged debts due and owing. Accordingly my records reflect that they were not, neither have they ever been a known creditor of mine. Therefore I respectfully demanded verification and or validation of any alleged debt pursuant to 15 USC1692g, and 15 USC1681, respectively.
Consumer complaint received 2024-11-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC (FL)

I was a victim of identity Theft. Someone has used my personal information to fraudulently to open accounts using my social security number and my identification. This situation at the end of last year XXXX in XXXX. I request the following information be removed from my credit report. As per the Fair Credit Reporting Act 15 USC section 1681c-2 ( Blocking of information resulting from Identity theft 605B, I demand this item be blocked and removed from my credit report. I have been fighting for the las 11 months, sent police reports and multiple letters with those reports to XXXX and every time these people change the balance owed and the account still shows hurting my credit report. I am in the middle of refinancing my house and I have not bein able to because they keep on reporting this debt on my file. Here is the name and the amount they claim I owe them : MONTEREY COLLECTION SV ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct # : XXXX Balance : {$43000.00} According to what the FRCA XXXX the credit bureau and the creditor have XXXX business days to remove this from my credit report from the receipt of my initial dispute and since XX/XX/XXXX of this year still they have not taken it out. I am very frustrated with this because I am supposed to be protected by this Law and yet I am here risking losing my house because I am not able to refinance the existing loan which is impossible to pay monthly.
Consumer complaint received 2020-05-29
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. (LA)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. XXXX {$1200.00} XXXX {$590.00} XXXX {$2400.00} XXXX {$520.00} XXXX {$130.00} XXXX {$130.00} XXXX {$490.00} USDEPEDXXXX {$7400.00} XXXX USDEPEDXXXX  {$2100.00} XXXX {$60.00} USDEPEDXXXX {$9500.00} FEDLOANXXXX {$3500.00} FEDLAON XXXX {$5500.00} XXXX {$18000.00}
Consumer complaint received 2020-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I am an XXXX XXXX military member, and have been since XX/XX/XXXX when I entered the United States XXXX XXXX. Under the Military Lending Act ( MLA ), American Express waives annual fees for XXXX XXXX military. Three of my American Express credit cards have waived my annual fees. The fee will appear on my account, and after I call American Express they waive it by issuing a credit that effectively wipes out the fee. Recently, I was approved for the American Express XXXX XXXX XXXX XXXX which has a {$450.00} annual fee that is waived for military members just like all the others. After calling to have the annual fee waived for this card, I was told that they would process my request and, if approved, the credit would be issued 3 to 4 weeks later. This was normal, so I had nothing to worry about. After over a month of waiting, COVID-19 had swept over the country, causing delays and shutdowns for many companies. I figured American Express was just slowed down. In XXXX, I called again and they ended up submitting another request for the fee to be waived. Now it's end of XXXX, I called again several times and have spoken to multiple customer service employees at this point. Now they're saying that they won't waive the fee this year because either I wasn't XXXX XXXX until my commissioning date on XX/XX/XXXX ( which is false ) or that their records report that I wasn't in the military until XX/XX/XXXX ( which is also false ). I've had the other cards between XXXX of XXXX and XXXX of XXXX that have waived their fees for me. I really like American Express and I also have a savings account with them so I am disappointed that they're refusing to issue me a {$450.00} credit after this misunderstanding of start dates. To be clear, I entered XXXX XXXX as an XXXX XXXX cadet in XXXX, and was only commissioned as an XXXX in XXXX of XXXX. Please help me make it clear to American Express that I have been covered under MLA since I entered the United States Armed Forces.