davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-26
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. (NY)

XX/XX/XXXX, I contact ( online ) XXXX  ( frozen ), XXXX ( frozen ) and Experian to freeze my credit report. Experion declined my request without an explanation. Stating I would be required to send all source documents by regular mail. I have always paid on time, paid in full and closed all accounts - except for two recent credit cards. My FICA score is XXXX. I dispute two areas on my report - spouse and address! All loans and contracts co-signed or co-owned with ex-wife ( divorced XX/XX/XXXX ) were paid on time, paid in full and closed! Why does her poor credit history still negatively affect my credit report after seven years? I was the sole owner of XXXX XXXX XXXX XXXX, NY. Which I sold XX/XX/XXXX. Mortgage was paid on time, paid in full and closed. I moved toXXXX XXXX XXXX XXXX XXXX XXXX, NY. The home is a residential three story home, on seven acres of hardwood swamp ( not a gymnasium or commercial property ) The home is paid in full, with a clear/clean deed, recorded with XXXX County Dept of Records, NY. Property is solely-owned by a XXXX XXXX. Previous Owners must have filed for bankruptcy? I have never known or meet previous owners! What does thier past financial history have to do with my credit report? Why is it easy for Creditors to report/record false data on my credit report - and so hard for the debtor to correct/remove erroneous information? The Consumer Financial Protection Bureau is the only agency standing up for all the disenfranchised! I thank the CFPB reguardless of the outcome involving this dispute. Note : I viewed my credit report with Experian.
Consumer complaint received 2018-09-27
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (CA)

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2017.
Consumer complaint received 2018-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/XXXX a 30-59 day late payment was posted on my credit report from XXXX XXXX. I have never been 30 days late with any payments I called XXXX to find out where this came from and they could not explain it and you are not allowed to speak to credit dispute department live you can only communicate via writing and I did and they just sent me a letter stating it was correct I have my bank statements and my payment statements and there was no 30 day late anywhere and it did not make sense as of XX/XX/XXXX my actual car payment owed was less than the actual payment it stated that I only owed {$340.00} and my payment is {$360.00} so how could I be 30 days late for the month of XXXX  I never received any letters or calls I remotely 30 late with payments I have no late fees for the month of XXXX, XXXX, XXXX   my balance is currently XXXX  so I would like to know what investigation the 3 credit bureaus did this has gravely affected my credit and I want it removed. Every Time you do a dispute they just say account verified and when you request who they verified it with and what corroborating information did they receive they have no answer I work very hard to maintain my credit and on time payments I want this resolved
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I deposited a check on XX/XX/XXXX. The bank placed a hold on it without notifying me by email or telephone. They subsequently bounced 8 transactions based on that hold. The hold was ostensibly because they " received notice from the paying bank that the check may be dishonored. '' They refuse to provide proof of such notice and have used this excuse in the past on other large deposits to incur fees for uncollected and dishonored funds.
Consumer complaint received 2018-09-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (CA)

XX/XX/XXXX RE : XXXX XXXX Account # XXXX, which XXXX illegally sold to Crown Asset Management / XXXX XXXX. ( Also a Violation of Consent Order XXXX. ) XXXX  debt collector, Crown Asset Management DBA XXXX, is unlawfully attempting to collect on a phantom debt which XXXX illegally sold to Crown Asset. XXXX is ultimately liable for the conduct of its agents. I ask that XXXX immediately remedy this unlawful conduct, including unlawful collection actions for a debt that I never owed and that would be outside the statute of limitations even if the debt were valid.

Specifically, the account balance was XXXX when I closed the account in XXXX. Crown Asset Management filed lawsuit around XX/XX/XXXX but provided no validation of the debt showing why it claimed I owed any money to it.

XXXX illegally sold the debt to Crown Asset Management, which sued me for the invalid debt by submitting a false proof of service to the court. I was out of state with my gate up at my house with nobody living at my house at the time the process server supposedly served the complaint. Other courts had found the process server to have filed false affidavits with the court, according to court filings.

Crown is alleging an amount far higher than the underlying charge along with attorneys fees. However, I did not owe the underlying debt ; and even if I did owe the debt, it would have been outside of the statute of limitations. I should not be subject to paying for a debt I do not owe or be subject to default for a debt I do not owe. XXXX and Crown Asset also failed to validate/verify the debt or forward my financial records to me regarding this debt. This is the most I can piece together since the lenders and Crown Asset refuse to give me a complete copy of my financial records and the entire file related to the account.

XXXX conduct is in direct violation of Consent Order XXXX, which the CFPB ordered after it found violations very similar to my case. As such, XXXX should be held in contempt and sanctioned.

I informed XXXX and Crown Asset Management of their unlawful conduct, the falsified service affidavit and their many consumer violations in order that the lawsuit be dismissed. In response, the attorneys filed a request for default. In my opinion their conduct is unethical and unlawful. My requests were ignored and held against me. Please contact me if you would like any additional information.
Consumer complaint received 2018-09-27
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX is reporting that I am an authorized user on a Capital One credit card with a high outstanding balance. I am not associated with this card. It is an outstanding balance on {$5500.00}. I have no knowledge of this account. Please delete.
Consumer complaint received 2018-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (IL)

I have submitted a claim against Experian with the attorney general office case number XXXX. This case is in regards to XXXX account # XXXX. For monetary relief from your agency for continuing to report this account verified with no bases or proof.
Consumer complaint received 2018-09-21
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I looked anatomy credit report and saw numerous problems with it. I disputed information that was incorrect and not mine and it came back as verified but was not validated. I never had an account with this creditor and I do not owe this debt. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

XXXX XXXX  Opened XX/XX/XXXX {$590.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$7200.00}
Consumer complaint received 2018-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OR)

I have filed disputes online and mailed request to remove inquiries : Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX , XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX CARD Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX/XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX : : Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX  Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Company Information : XXXX XXXX , XXXX. 
Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX  XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX   Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Company Information : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I have requested Experian update my Address and they update partial of my Address I am Asking Again to have my address updated I have Mailed DL/proof of address to experia Disputes.I also enclosed documents verifying my Address
Consumer complaint received 2018-09-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (IL)

I opened on-line, on the Citibank website promotion offer page, a new packaged checking and savings account with Citibank on XX/XX/2018 using their {$400.00} promo offer. I deposited the required {$15000.00}, new money from a new customer, across the two accounts at a branch on XX/XX/2018. Their requirement to receive the {$400.00} was to maintain that balance for a minimum of 60 Days. After that they would deposit the {$400.00} into your account within 90 days. I maintained the balance of {$15000.00} from XX/XX/XXXX till XX/XX/XXXX, a total of 72 days. I then withdrew {$5000.00} from the accounts, leaving a balance of + {$100000.00} to avoid the monthly service fee of {$25.00} for the two account package. The following month, XXXX, they charged my checking account {$25.00} anyway. After 4 phone calls and arguing they finally gave me my {$25.00} back. Only to do the same in XXXX  but this time they took {$25.00} out of each account. I agreed with the checking fee but not the savings account as I had withdrawn money dropping below the {$10000.00}. I did that because I was scared to death of what this bank is capable of doing. The {$25.00} fee was for the packaged accounts not each account. I did get that {$25.00} back. NOW after fulfilling all the requirements to receive the {$400.00} they are refusing to pay me that bonus because " I didn't do a direct deposit. '' THAT WAS NEVER A REQUIREMENT. They make this XXXX  up and lie to avoid paying the money they owe you after you fulfill the terms of the agreement. Three times in one month Citibank has tried to cheat me out of money. I am a senior citizen living on SS and a small pension and this is what they do to their new customers. What has this country come too. I have attached 15 Files proving all of this.
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sterling Credit Corp. (AZ)

XX/XX/2018 XXXX Spoke with XXXX XXXX @ XXXX XXXX XXXX XXXX ( XXXX XXXX ) about SETTLEMENT AGREEMENT for balance due of {$2200.00} to XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX. Settlement agreement for the amount of {$800.00} made between XXXX XXXX XXXX on behalf of XXXX XXXX. Initial agreement was for 3 payments of {$260.00} to paid XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2018. Modification made to initial agreement made Monday, XX/XX/2018 with XXXX @ XXXX XXXX XXXX XXXX for 2 payments ; XX/XX/XXXX {$260.00} and XX/XX/XXXX {$530.00}. Settlement was paid according to initial and modified agreement. I have attached transcript of phone recording, letter confirming settlement agreement from XXXX XXXX XXXX XXXX, and bank statements confirming payments. My account has been reactivated on my credit report. I have been called no less than every few hours every day by XXXX XXXX in an attempt to collect the full amount of the debt that was settled XX/XX/2018. I want removal of the account from all 3 credit bureaus. I want a letter confirming the account has been settled and paid in full from XXXX XXXX XXXX XXXX and XXXX XXXX. I want to have them apologize for harassing me every day with collection calls and if you can fine them, please
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

To whome it may concerned, Hello, My name is XXXX XXXX and I would like to inform you guys that I haven not been able to get my late payment removed from my record. This is not a complaint but rather a request to have my late payment removed from Experian Credit reporting agency. In XX/XX/2016 I had death in my family and had to travel back to my country XXXX. Before leaving I had called my credit card company to let them know I wont be able to make a payment for at least 3 months because my mom passed away and had to go back to my country where there is no internet connection. The representative I was talking to assured me that it was totally fine and she would notate my account and suggested to make a make after I come. After I returned back home I found out that my credit card company had alredy reported my payment history as 60 days late. I then contacted Experian several times to have that late payment removed but it was unsuccessful. I totally understand that the experience is unable to remove my late payment because I do not have any evidence to prove why was I late. Therefore i do thank Experian for trying to work on my dispute on time even this they were not able to help me. Hence, here I am making a request to you guys if there is any way my issue could be resolved here. I would be very grateful towards you and your organization for whatever the help I could possible get so my late payment history will be removed. 

Thank you Sincerely XXXX XXXX
Consumer complaint received 2018-09-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am a victim of identity theift and the inquires listed below are a result of the identy theift XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from  XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX
Consumer complaint received 2018-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

please i had Fraud Alert on my credit Report and i received Alert email from XXXX XXXX someone applied for some Credit type and already contact bank of america and complaint and deactivate credit card to replace and change user and password and now i'm asking to remove Unauthorized hard inquiries from my report XXXX XXXX XXXX XXXX - XX/XX/2018 - XX/XX/2018 - XX/XX/2018 due to Unauthorized and Fraud alert already on my report sine two month ago and i already contact them
Consumer complaint received 2018-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I wrote a check to XXXX XXXX XXXX on XXXX XXXX for {$190.00} for bill account XXXX. The check was altered and written to an unknown individual by the name of XXXX XXXX XXXX and deposited into his bank account on XX/XX/18. I filed a claim for this claim on XX/XX/18, in which I was advised the issue would take 8-10 weeks to resolve. Two weeks later I received an affidavit, which I immediately took to my local branch at XXXX XXXX XXXX to have notarized by the branch manager. The affidavit was faxed and mailed to the claims department. I called several times over the course of a month, I left several messages on the answering machine of the check fraud department, only to never have my call returned. Early XXXX, I began calling customer service and asked to be transferred to the claims department, as that became my only means to get a live rep on the phone. On average I call customer service and am on hold for 30 minutes to ask for a transfer, then hold for an additional 40 minutes. I asked for an update on my claim, I was always advised it was still under review. I got onto Citizens Bank 's XXXX and complained about the way my claim was being handled, that no one has corresponded with me or contacted me whatsoever regarding my claim A rep named XXXX responded to me via XXXX XXXX and stated my claim legally does not have to be resolved within 8-10 weeks, that the claim can be under investigation for an indefinite period of time. On the third week of XXXX, a rep from the claims department indicating that the affidavit had still not been received. I spoke with a supervisor named XXXX, who was kind enough to fax the affidavit to me, which again was completed, notarized and faxed to XXXX on XX/XX/2018 at XXXX. Upon contact on XXXX XXXX at XXXX, I was advised the affidavit has still not been received, although the documentation has been faxed twice from my local branch to the confirmed fax number of the claims department. They have now indicated that they can not expedite having my claim resolved, although I have faxed the affidavit twice, mailed it once and have already waited 8 weeks for resolution.
Consumer complaint received 2018-09-26
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: CITIBANK, N.A. (NJ)

On XX/XX/2017 from CBNA repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XXXX credit report And this inquiry address shows on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX
Consumer complaint received 2018-09-26
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: DISCOVER BANK (NJ)

On Discover bank XX/XX/2018 repoted 2 times inquiries that I never was applying for any of them, I want you please to remove this inquiry from my XXXX credit report
Consumer complaint received 2018-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (IL)

The XXXX XXXX company failed to accurately process my Income Driven Repayment plan. I sent in the recertification application almost three months ahead of the deadline but they only renewed 2 out the 10 student loans that they service for me. When I tried to call back two weeks ago, the lady on the phone said that they will recertify the application and run it again. I spoke to another man today to follow up and he mentioned that I need send in a form that the first lady never mentioned about to recertify my student loan payments for the IDR. While all this is going on, the XXXX XXXX reported to the credit bureaus about changes with my student loans that caused my credit score to go down by 20points.
Consumer complaint received 2018-09-26
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. (NJ)

On XX/XX/2017 XXXX XXXX repoted inquiries that I never was applying for, I want you please to remove this inquiry from my Transunion credit report