davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (NV)

Experian  Is reporting a child support case that is almost twelve years old violated my rights under the FCRA ,I’ve disputed this issue on several a cations and I’ve sent certified letters Case was open in XX/XX/XXXX,  certified letter datesXX/XX/XXXX , XX/XX/XXXXAccount: XXXXAmount: XXXX
Consumer complaint received 2018-01-31
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: Experian Information Solutions Inc. (MN)

My information has been breached by the XXXX breach, XXXX information breach and I have a history of Identity Theft. Multiple inquiries on my report have no permissible purpose and don't look familiar at all. Most of the inquiries listed I have never done business with these companies nor applied for credit through these companies. I have contacted creditors of Inquiries on my credit report and they all say to go to the credit bureau. I have contacted Experian via Certified Mail on XX/XX/2017 and got not response back. A representative of Experian signed off and picked up the Certified Mail on this date. I have attached proof of this certified mailing. I have also attached the police report and FTC Identity Theft report that shows I reported multiple inquiries showing on my credit history I didn't authorize.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Phone : XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Dispute of Inaccurate Reporting and Request for Investigation Dear Sir/Madam, I am writing to file a formal complaint and request an investigation into an ongoing issue related to my credit report. This matter pertains to a charge-off account placed on my credit report by XXXX, a creditor, which I believe to be inaccurately reported. This inaccurate reporting has adversely affected my reputation and is preventing me from accessing reasonable and adequate lending opportunities, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
I have taken the following steps to address this issue : 1. I have submitted multiple disputes with all three major credit bureausEquifax, XXXX, and XXXXregarding the disputed account. Despite these disputes, I have not received a response detailing the method of verification and validation of the debt, as required by the FCRA. 

2. I have also attempted to resolve this matter directly with XXXX, the creditor in question, but have not received a satisfactory response or resolution. 


Given the persistent inaccuracies in my credit report and the failure of both the credit bureaus and the creditor to provide adequate documentation, I am left with no option but to escalate this matter to the Consumer Financial Protection Bureau for further investigation. 

I kindly request the following actions be taken by the CFPB : 1. Initiate a thorough investigation into the reporting practices of XXXX regarding the account in question. 

2. Request XXXX to provide a detailed method of verification and validation of the debt, as required by the FCRA. 


XXXX. Demand an immediate removal of the inaccurate reporting from my credit report, as it has caused harm to my creditworthiness and reputation. 

I have attached copies of all dispute letters previously sent to the credit bureaus and the creditor for your reference. 

I am also open to discussing this matter further and providing any additional information required to expedite this investigation. 

Thank you for your prompt attention to this matter, and I look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX to discuss this further. 

Sincerely, XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NJ)

We purchased international travel tickets for travel on XX/XX/XXXX ( XXXX flight ) on XXXX XXXX. The flight was purchased on Citicard ending in XXXX. We live in XXXX NJ area and our flight was from XXXX. While traveling to XXXX, we encountered an accident on XXXX XXXX that unfortunately took 3.5 hours travel time from home to XXXX  instead of the usual 2 hours. We reached 1 hour before departure time by which time check-in was closed by XXXX causing us to miss the flight. We asked XXXX to accommodate us on next flight at XXXX that same day. XXXX stated that we should call customer service using XXXX, which we did. They stated will do so with a change fee of {$700.00} ( vs. a base fare of approx {$2100.00} ), which is a substantial change fee for same day flight accommodation. We paid the fee using XXXX on their website ( receipt sent to Citicards ).  Yet, no ticket was issued until XXXX that day. We called XXXX about 10 times ( 10-40 minutes call each ) but ticket was never issued. We came back home and tried to pursue  the matter next day but to no avail. We then had no choice but to buy new tickets for same travel itinerary on XX/XX/XXXX. We disputed the transaction with Citicards but they stated that XXXX considered this as a loss of revenue for them justified not issuing the ticket. We sent documents to Citicards showing that our class of fare allowed for a change and that we had paid {$700.00} change fee. AT that point Citicards stated that time or a resolution had passed. We had filed a dispute within a few days of travel date. We have called Citicards at least a dozen times since XX/XX/XXXX when they sent us last communication. They keep saying they will look into it in next 4-5 days but never do. The airline has violated the terms of its contract clearly : first the original contract allowing us to travel with change fee, then contract governing the change fee when that change fee was paid. Both value of original ticket and change fee was made 0 by airline in violation of its own contracts. Since this case is a glaring example of lack of consumer protection and customer advocacy as well as a clear malpractice by not just the airline, but more importantly the credit card which is expected to protected the consumer in such cases as advertised the credit card company, we want to escalate the matter through BBB. Case details in Citicard system are as follows : Card # XXXX ; Case ID Numbers : XXXX and XXXX
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

Check Systems is reporting false and misleading information about me.  I want it removed from their system .cease and desist immediately.  I will contact my attorney , I will also charge XXXX that inaccurate info stays on my file starting today . Check systerm dispute XXXX. Remove asap or pay me XXXX daily .Ftc and BBB complaints.
Consumer complaint received 2018-08-06
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. (NC)

I sent an investigation request to Trans Union on XX/XX/XXXX. They are supposed to respond within 30 days, but have not.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP (NY)

My card has charges on it that were not made by me. I wrote a Dispute letter and also a letter from my employer stating my where abouts during the date and time the charges occurred. On XX/XX/2018 at XXXX a charge for {$100.00} at XXXX XXXX XXXX NY . On XX/XX/2018 at XXXX a charge for {$210.00} at XXXX XXXX-NY. On XX/XX/2018 at XXXX a charge for {$60.00} at XXXX XXXX. XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$18.00} at XXXX XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$290.00} at. XXXX XXXX XXXX # XXXX XXXX NY US. On XX/XX/2018 at XXXX XXXX a charge for {$69.00} at XXXX # XXXX XXXX NY US. On XX/XX/2018 at XXXX XXXX a charge for {$100.00} at XXXX XXXX XXXX NY US. On XX/XX/2018 at XXXX a charge for {$81.00} at XXXX XXXX # XXXX NY US . On XX/XX/2018 at XXXX a charge for {$3.00} at XXXX XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$9.00} at XXXX XXXX # XXXX XXXX NY US . On XX/XX/XXXX at XXXX a charge for {$19.00} at XXXX XXXX XXXX NY US . On XX/XX/2018 at XXXX a charge for {$88.00}. Its been over 7 months I have no letter explaining why I was denied. I called over 30 times trying to get a representative to mail me this letter they put me on hold then say after an extended hold time of over 10 minutes they say no one is available. Sometimes they hang the  phone up on me. The card company is XXXX XXXX  Visa Prepaid Debit Card is issued by XXXX XXXX XXXX XXXX, Member FDIC, pursuant to license from Visa U.S.A., Inc. This lost of money has set me back on bills, food, and shelter.
Consumer complaint received 2018-01-31
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: CAVALRY INVESTMENTS, LLC (FL)

I received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.
Consumer complaint received 2018-08-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (IL)

This company sent a letter on XX/XX/2018, and when I contacted them regarding the letter, I asked for them to validate the information, the debt, the amount, and that it was mine. They were not able to do so and I was told to contact the creditor. The letter stated that if I dispute the validity of the debt that I have 30 days to do so. 

On XX/XX/2018, I received an alert from the credit bureau stating that Diversified Consultants was placed on my credit report. To my surprise no validation of this account was given and I'm still disputing the validity. Per Fair Credit Act I am allowed to validate an account that appears not to be mine and I have 30 days to do so. 

I believe this account is not to be mine, and I need for them to validate it's mine. 

I don't know what is up with collection agencies not validating who they are but asking for money. There should be some legal process to protect us from scams like this.
Consumer complaint received 2018-05-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MI)

I sent out the 1st complaint electronically to XXXX/XXXX XXXX on XX/XX/XXXX asking to verify the " alleged '' account # XXXX in the amount of {$830.00}. I was never contacted, however my credit report had a mark from them which was not dated since the last activity showing was in XX/XX/XXXX saying " charged off as bad debt, purchased by another lender ''. I then realized there is a collection account showing as Cavalry Portfolio, on my credit reports for the same amount and account number, so this " alleged '' account that XXXX/XXXX XXXX   is reporting as derogatory on my credit report and number of 3 times. I then send a certified letter on XX/XX/XXXX and it was delivered and signed for on XX/XX/XXXX, asking both XXXX/XXXX XXXX  & Cavalry Portfolio to verify evidence of signature showing the " alleged '' account was reported accurately. I also asked them to provide me with all names, addresses, and phone numbers of each person 's verifying the " alleged '' account. I then receive a letter dated XX/XX/XXXX from both parties simply stating that the account is verified and they have both reported accurate information to all three bureaus?!! HOWEVER, they never sent me evidence of my signature which by FCRA they have too, and the never sent me the person 's verifying this " alleged '' account! They did not even say they marked my reports as disputed! I want these " alleged '' accounts/charge-off 's deleted from both of their files, and all three credit bureaus immediately. 
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX
Consumer complaint received 2018-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I am having issues with old addresses and information not current or accurate on my credit report.

My name is XXXX XXXX XXXX My SS is XXXX My DOB is XX/XX/XXXX My Employer is XXXX I have am no longer associated with the following addresses please delete them the are not accurate. Please remove me from all per-screen products and OPT OUT my name of data base services.

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2018-05-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (FL)

I had two accounts with Barclay US, a Barclays Choice card. Over several years, they raised my limit until the Barclay card had a {$10000.00} limit. Several months ago, my total owed was about {$4500.00} and they suddenly lowered the limit to {$500.00} above the current limit. I then refinanced my home and consolidated bills and the first one I paid was Barclay, at {$4300.00}. That was the total balance listed. When I checked the website today, to my shock i saw a balance of {$84.00}! They charged me that amount in interest AFTER I paid the total amount owed! Is this legal? I know it isn't moral. 

In addition they gave me a new limit ... ..of {$500.00}. I never had a late payment on this or any other card in almost ten years. Instead of thanking me for not being a person who does not pay bills but instead insults me and charges interest on a ghost balance.
Consumer complaint received 2023-10-10
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ProCollect, Inc. (TX)

I will not pay the {$3800.00} you charged for my apartment 's related fee, with excess costs. Please see my email chain. From the beginning of my lease, I have asked to get out of it due to bug issues. These unfair reason charge has caused undue problems with my credit. The email chain sends all of my emails. I also need a copy of my lease to see my fees because there are also unfair fees. I dispute this, and if I don't hear from you by the close of business within three days of the recipe, I will be forced to examine further options. 
The collector Procollect repeatedly messages or calls during working hours at work. Procollect is harassing me and constantly calling, leaving messages, and using inappropriate language to tell me to pay my bills. I have attempted to dispute, based on an email from the tenant. I have also tried to settle, and Procollect refused.
Consumer complaint received 2023-10-02
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: EQUIFAX, INC. (NJ)

THIS ACCOUNT IS NOT MINE *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 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-12-06
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (KS)

On my credit report it shows a auto installment loan 30 days delinquent - closed {$0.00} amount due. This information is located under my accounts as a Poor. This vehicle was a XXXX XXXX financed with Wells Fargo. The vehicle was XXXX, but is still on my credit report. I called XXXX spoke with a gentleman who transferred me to XXXX, spoke with a lady who transferred me back to the XXXX number. All I 'm getting is the run around and NO help. When I asked to speak with someone that could help me, she informed me there was no one available, but once I mentioned turning this issue over to the Attorney Generals office she wanted to transfer me to the President of Wells Fargo. 

I appreciate your help in looking into this problem, personal information listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX Unfortunately, we have a XXXX XXXX XXXX financed through Wells Fargo at this time. But it is not the vehicle I 'm making this report on.
Consumer complaint received 2023-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

I have two loans that have been transferred to Aidvantage. One is due to start repayments in XXXX. It is for {$12000.00} at XXXX XXXX interest for XXXX years. Aidvantage has this calculated as $ XXXX. It should be ~ $ XXXX. 

I called on XX/XX/23 and the service representive agreed with my calculations. She said the loan would be redisclosed and corrected. 

On XX/XX/23, the monthly bill was still incorrect. I submitted an email through the company 's website. 

Today, XX/XX/23, I checked and the bill amount is still incorrect/unchanged. The company is planning to withdraw money from my account on XXXX. I have been on hold today for XXXX minutes with no answer. I tried the chat function and it stated " We are currently having heavy volume. Sorry for the inconvenience. Please try back later. ''
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I obtained my consumer report from XXXX XXXX XXXX XXXX. It contains incorrect information. It contains housing court case that should have been excluded from the Transunion data since I have a court signed stipulation in XX/XX/XXXX with all parties agreeing to exclude the cases from any tenant screening company database. 

I provided the court signed stipulation as support to XXXX XXXX XXXX XXXX XX/XX/XXXX.  Today, I called them to follow up. They said that they can change the type of the case, but they will retain the case in the report and their database. 

I explained to them that the court signed stipulation is to excluded the case from their database. However, Transunion on the phone did not understand and insisted to keep my court record ( which should be excluded per signed stipulation ) in their database and reports.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

on XXXX/XXXX/XXXX, I received a text message from my Barclay bank asking me if I authorized a cash advance on my credit card for a cash advance from  XXXX XXXX XXXX for {$600.00}. I immediately called Barclay Bank and told them that I did not authorize any cash advance. They also asked me if I made a purchase at XXXX for {$9.00} also on XXXX/XXXX/XXXX. I told Barclay bank representative that I did not make this charge as well. My card was also charged for a cash advance fee of {$30.00} twice for a total of {$60.00}. I was charged a total of {$680.00} that included an interest fee of {$12.00}. I called Barclay bank Fraud department and the investigator told me that they would start an investigation. On XXXX/XXXX/XXXX I received a letter from Barclay Bank stating that I was not responsible for the charges and interest while they were investigating the disputed charges. On XXXX/XXXX/XXXX I received another letter from Barclay bank stating that the investigators concluded I was responsible for the charges. 

on approximately XXXX/XXXX/XXXX I called Barclay Bank fraud department and told them that I did not make these charges and disputed them. Barclay Bank investigators told me that they would reopen the case and perform another investigation. XXXX XXXX, I received a statement from Barclay Bank stating that I owed {$690.00} that included a XXXX service fee and a {$15.00} interest charge. Again I called Barclay Bank and the Investigator told me that the  investigation was still in process. The investigator told me that the chip was activated on the card and  since the card was not reported stolen I was most likely responsible for the charges. I told the investigator that someone must have had a card sent to their house since my card was in my office and I did not make the charges.