davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-05
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. (FL)

Equifax closed Ticket XXXX today and have done nothing but attempt to blame me for my account not having a freeze on it, when the fact is they still are unable to fix the account and allow me to freeze and unfreeze on my own. 
Equfax has ignored ticket XXXX, which is my report of their illegal activity with respect to putting a freeze on my account when ticket XXXX specifically stated not to do that and the reason was given. 
Equifax has chosen to respond to ticket XXXX with a simple " we need more time. '' Time is up. 
Since Equifax broke the law when they put a freeze on my account after being told specifically NOT to do that, what is my recourse against this company?
Consumer complaint received 2018-11-03
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NC)

Back to this XXXX, I opened a Citi bank package with {$400.00} welcome bonus. All the requirements were meet four months ago, however, the bonus has not been posted yet. Please ask Citi to honor the offer and post the credit as soon as possible. 

Here are more details. There are three requirements to earn {$400.00} bonus. 
Requirement 1 : open a new checking and savings account in the Citibank account package between XX/XX/18 XX/XX/18 Comments : My accounts were opened in XX/XX/18. Requirement 1 was meet.

Requirement 2 : within 30 days of opening your account, deposit {$15000.00} new-to-citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Comments : I deposited {$1500.00} to my checking and {$13000.00} to my saving accounts on XX/XX/18 from external financial institution. Requirement 2 was meet.

Requirement 3 : maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days. 
Comments : More than {$15000.00} balance had been maintained from XX/XX/18 to XX/XX/18, which is more than 100 days. Requirement 3 was meet. 

In a word, all the requirements have been meet. Please ask Citi to post {$400.00} credit as advertised. 

Thank you!
Consumer complaint received 2018-11-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: David E. Gray Attorney at Law LLC (PA)

David E. Gray, Attorneys at Law, LLC XXXX XXXX is my contact with the company. 

I arranged an agreement with the company to pay $ XXXX/month until my debt of {$350.00} was paid off. 

I have been charged more than the agreement more than once and after I have contacted XXXX to cease. 

The payments are electronic payments through my debit card with my checking account. 
I am low income and even such a low debt is extremely crippling to me. I can not afford to eat now because of this.
Consumer complaint received 2019-01-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

This a XXXX XXXX loan for my daughter. She graduated in XX/XX/XXXX. Our loan is through Navient, The next payment is due on XX/XX/XXXX for {$800.00}. Navient tells me they can not lower my payment. I am trying to figure a way to make the payment more manageable. Do you have any ideas. 

XXXX XXXX Balance {$100000.00} XXXX XXXX  XXXX XXXX. 
XXXX, Pa XXXX Email : XXXX XXXX
Consumer complaint received 2020-11-17
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: Experian Information Solutions Inc. (MA)

Ive sent 3 different letters to the credit bureau to verify inaccurate information on my credit report. Ive even filed a police report stating my identity was stolen in the process. Most of these accounts are at a address That I have never been associated with as well. I know federal law is that The Credit bureau must respond to me in 30 days. Its now 90 days and I havent gotten a response.
Consumer complaint received 2018-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc (CO)

On XXXX XX/XX/XXXX i sent a letter to the XXXX XXXX of XXXX to settle any open balance i had with them. In my letter, it sated that i wanted to settle the account balance ( XXXX ) for {$120.00}. So, they had the choice to either decline my proposal and return my check or accept my proposal and cash the check ( which i clearly stated in my letter ). The XXXX XXXX of XXXX did in fact cash my check, and I have documents to prove it. The XXXX  XXXX of XXXX did in fact cash the check knowing that the check was only to settle the remaining balance on my account and not to send my account to collections ot cancel any collections attempts. 

Below is what was in the letter i sent to the Medical center of XXXX : Notice of Dispute and Settlement Dear The Medical Center of XXXX I, XXXX XXXX, disputing the entire balance on account number XXXX, with date of service from XX/XX/XXXX to XX/XX/XXXX. However, attached is a check made payable to your company settling any balance currently showing in my account from XX/XX/XXXX until XX/XX/XXXX. 
By Cashing the check attached to this letter ( check # XXXX from XXXX XXXX with memo on the bottom : For Balance payoff ), you are agreeing to settle any balance and will refrain from sending my account to any collection agencies or will cancel any collections attempts if you did already send my account to collection. 

If you do not agree to the amount on the check ( {$120.00} ) as a final balance for any services received during the dates stated above, please feel free to return the check, send my account to collection and file a lawsuit. I will be happy to explain my case before a judge. 
Again, Im still disputing any balance forwarded to any collection accounts or any balance you currently have in my account. 

Thank you XXXX XXXX
Consumer complaint received 2018-09-08
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. (CA)

I have a credit card account ( Best buy VISA credit card ) under Citi bank. 
I have multiple charges ( 5 ) of exactly {$100.00} each by XXXX XXXX XXXX and XXXX XXXX. I also have 3 separate charges of {$75.00} by XXXX XXXX. All of these charges were within days of each other. 
I am sure my credit card information was stolen at a gas station and I have reported my card stolen as soon as I saw these charges on my statement and was issued a new card. 
However, the credit card company recently told me that these charges were deemed to be not fraud and my credit card charge dispute attempt was denied for all of these charges. Now, I am stuck with {$720.00} worth of credit card charges that I never authorized. 
To me, this dispute seemed straightforward but the credit card company did not agree. Thank you for your help.
Consumer complaint received 2018-09-07
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: Experian Information Solutions Inc. (CA)

Last XX/XX/2018, I sent this credit repository a letter via fax requesting the XXXXXXXX XXXX account ref # XXXX to be removed and blocked from my credit report pursuant to FCRA 605B. Pursuant to FCRA 605B a reported fraudulent account MUST be removed from a consumer 's credit report within 4 business days. Attached to this complaint is a copy of my Police Report and FTC ID theft report and copy of the letter faxed to this credit bureau.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/18 I reached out to Bank Of America to see if they could waive the late fee ( s ) that were incurred due to late payment ( s ) which was no fault of my own I've tried on  numerous occasions to add my financial institution to their bill pay service but to no avail it is my firm belief that they blocked and or prevented me from adding my financial institution to cause such an action the customer service representative stated that i had other options other than using online bill pay which I told her those options weren't best for me suffice to say she said she couldn't waive the fees for me when the fees were incurred due to bank negligence
Consumer complaint received 2018-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capital Accounts, LLC (AL)

They received my first certified letter disputing the {$1500.00} bill on XX/XX/18 where I requested anything bearing my signature, approximately 30 days later I received photo copies of bills none bearing my signature.On XX/XX/18 they received my second certified letter again requesting anything bearing my signature. Today I got a credit alert showing my collections going up because interest was added on XX/XX/18 causing my score to plummet 56 points and the debt still hasnt been verified.
Consumer complaint received 2018-11-06
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. (GA)

I have 5 Hard inquiries from several different auto loan banks which I did not authorize or give permission to any of these institutions my personal information All on the same day XX/XX/2018. As a result my credit score has dropped 10 points 2 for each unauthorized inquiry making us pay additional fees and higher rates. I have contacted the credit bu-rues Equfax on many occasions only they refuse to verify information and continuously send consumers on wild goose chases by filling out this long process dispute form and then saying it was validated. This waste valuable time and money. none of these people even sound american they don't understand English and infuriate consumers how does this keep happening. It is election time and this year I will vote this drove me to go out and vote and I will continue to vote until Equfax is held accountable for it's biased practices. 
I did not request any auto loan I did not give permission to run my credit to anyone I filed a dispute to have items removed I contacted each bank and spoke with them and they have no records of any credit request from me but still wont remove the item unless I go through credit bu-rues Credit beurus keeps saying bank validated it so back and fourth we go. Mean while my credit score drops we don't get the interest rate we deserve.
Consumer complaint received 2018-11-05
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: LEXISNEXIS (TX)

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GEORGIA XXXX XXXX CONCERNING CONSUMER NUMBER XXXX CASE NUMBER XXXX To Whom It May Concern In summation. Hidden within this report that was sent to me for evaluation XX/XX/2018 there are many inaccuracies concerning this report summation - None of which have anything to do with my personage, my social, or who I actually am. For one You received my Identification and Social Security Verification Number. Secondly My Social Security Number is not XXXX XXXX XXXX. My Name is not XXXX XXXX XXXX XXXX XXXX XXXX. My Name is Not XXXX XXXX XXXX. There are numerous an inexcusable accounts of negligent information on my report. So many in fact for so many years, that I will retain the services of a Consumer Attorney, to seek out not only legal remedies, but Legitimate Legal Damages to my person. Defamation of my Character, as well as Financial Injury. DO not play games with me. I am an adult. And despite your presume Accuracy you have left a clear and open path towards your own litigation for Civil Damages. I will in fact make you the next Information gathering Corporation holding my private information to be exposed for the inaccuracies on this 230 page report of lies. You will be held accountable for what you say is in your own words We are Unable to determine what you are disputing. You have mired my PRIVATE INFORMATION that you claim to PROTECT with other peoples information. In effect Not protecting me at all. Exhibits A thru all highlighted pages of the very document you claimed was Protecting my privacy thru all of the highlighted pages found in my report is riddled with INACCURACIES AND INFORMATION THAT HAS NOTHING AT ALL TO DO WITH ME. Unverified information that was given to you via computer that was reported to your organization. Then Added to my Report. The information reported caused my Financial Harm, Damaged my  Reputation as well as misled creditors to the point of me not being able to purchase a home to live in.This information slaved to my reports, caused me not to be able to afford a home of my own - a place to lay not only my head down yet my children as well FOR DECADES! 
I will make it a point to show the courts Federal & State that YOU did not check any of your facts, paperwork or verify any signature of mine to any DEED, Address or place of Residence. That by refusing to delete that incorrect and inaccurate information of my reports, without first hand verification did not delete that information, Social Security Numbers, Addresses, Phone Numbers and housing from my report. In effect at the moment of receipt of this let I will formally be reporting your actions to the CFPB. Let this be a formal declaration of my standing as a HUMAN against you as an ENTITY Discriminating against me. 
Sincerely, XXXX XXXX
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2018 I contact XXXX XXXX XXXX XXXX, the lien holder on my automobile, notifying them I had been laid off. XXXX informed me that I had involuntary employment separation insurance and provided me with contact information to begin my claim. 

XX/XX/2018 I received notices from XXXX XXXX XXXX XXXX that my payment was late. I contacted XXXX reviewing the situation and was assured it was being handled. 

XX/XX/2018 I was notified by a credit bureau XXXX XXXX XXXX XXXX was reporting me 30 plus days late on my loan with an outstanding balance. 

XXXX XXXX XXXX XXXX is either incorrectly reporting information to credit Bureaus or is willfully selling a fraudulent product of credit protection insurance.
Consumer complaint received 2023-03-19
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-11-02
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: BANK OF AMERICA, NATIONAL ASSOCIATION (AR)

I am a victim of Identity theft and If included a copy of the Identity Theft Affidavit Report that was sent to my Sheriff Department for further investigation. I have a few unknown derogatory accounts caused by identity theft reported by your company on my credit report that I didn't open or obtained any good or services from. I've listed the unknown accounts here alone with their account numbers. 
XXXX XXXX XXXX  XXXX chargeoff This chargeoff was caused by Identity theft. 
XXXX XXXX XXXX/XXXX XXXX chargeoff This chargeoff was caused by Identity theft. 
BANK OF AMERICA XXXX chargeoff This Charge off was caused by Identity Theft. 

As you know, 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
I have enclosed a copy of my IDENTITY THEFT REPORT and Report Number, that has been filed with the Federal Trade Commission. 

The Final Rule contemplates automated reports generated by the FTCs complaint system as being within the scope of the definition of an Identity Theft Report. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this purported item from my credit reports ( XXXX XXXX and the XXXX ).
Consumer complaint received 2018-11-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

As I was investigating the hard inquires against my credit, I noticed 2 Capital One card inquires. One is for XX/XX/2018 and another for XX/XX/2018. I have never applied, submitted my information, or even contacted Capital One or any of it's affiliates. Also- why would there be 2 inquires within 5 days? I would please like further information about this because I am confused. These inquires are negatively impacting me, however, I was not responsible for these hard inquires. If I am unable to solve this problem and they are not removed from my account I will have to file for identity theft or fraud against my name.
Consumer complaint received 2018-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (CA)

I have began to default on my American Express card. I am in the process of obtaining paperwork to begin bankruptcy. This week, several harassing phone messages were left on my parent 's home answering machine. I did not disclose this number, in any way shape or form, and I have not lived with them since XX/XX/1999. My wife 's parents were also called regarding this debt. My wife is not on this card, and her parents number has also never been disclosed. This has caused many issues within my family as well as my wife 's family. This has not come from a third party collection agency, instead directly from American Express.
Consumer complaint received 2018-11-05
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: Experian Information Solutions Inc. (AZ)

My XXXX XXXX Visa credit card : XXXX and XXXX XXXX Visa credit card : XXXX is lost/stolen, and all of the charges/transactions on both accounts are fraudulent, unauthorized and not mine. I want XXXX, Experian and XXXX XXXX to delete, remove and permanently block the accounts from my credit report.
Consumer complaint received 2018-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

Paid off {$2500.00} balance in full by due date. Next statement had interest charge of {$48.00}. I called to ask for it waived and they refused. I have NEVER had an interest fees waived on this account in the 3 years I had it. I was never late and they are retaliating against me for paying off the balance. Today, XX/XX/18 I called and closed the account and refused to make interest payment of {$48.00}. They threatened me with collections if not paid. I know you can not charge interest on interest or report late payment for interest only balance. I will not pay the remaining balance.
Consumer complaint received 2018-09-06
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: ID Analytics, Inc. (SC)

A company named XXXX XXXX  has my credit score information and is giving out my information. I have had a freeze on my credit for two and a half years due to the theft of all my personal information. I've never heard of this company and I've never been in contact with them till I tried to call them and I got a recording.
Consumer complaint received 2018-09-07
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. (GA)

In XXXX, XXXX, after the XXXX  data breach I froze my credit at Equifax and XXXX. I could not freeze my credit at Experian because of system problems. I was given a pin number and after trying to freeze my credit by telephone, I was told I needed to mail the request in. I chose not to mail the request, so my credit report with Experian was not authorized to be frozen. 
Today, my potential mortgage lender, XXXX XXXX could not pull my credit because they were told that my credit was frozen by Experian. Per my request, XXXX and XXXX  had unfrozen my credit. However, because of Experian they could not proceed. 
This is my complaint. Experian is not accessible by telephone to unfreeze credit neither do they give an option to talk to a person. I called the number they publicized : XXXX XXXX times. Also, I called the two numbers XXXX XXXX gave me : XXXX and XXXX and heard the same prompts ( 1or 2 ) nothing for freeze and no option for a representative. I just checked online using my Experian PIN and the message I received '' ... you do not currently have a security freeze on your account.So, if I do not have a security freeze on my account, why are they reporting it as frozen? I need to talk to someone to get this issue resolved. My credit at XXXX and XXXX   will refreeze on XX/XX/XXXX XX/XX/XXXX