davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
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. (SC)

My identity was stolen in 2014 and accounts were obtained as a result of mu identity being stolen. I have contacted the company and informed them that the account did not belong to me yet they refuse to remove the account from my credit file. However the company as acknowledge that the account was opened due to identity theft and has placed a fraud alert concerning this account. they have sent several packets for my to fill out, sign and date, and have notorized as well as send in a police report concerning the identity theft from which I have done.I have disputed this account several times yet they keep responding back to me that it was verified, yes it is being verified under my social security number from which was stolen. hint hint ... .Identity Theft!!!!!
Consumer complaint received 2018-05-29
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: EQUIFAX, INC. (CA)

I tried to correct $ XXXX added to my bill by XXXX XXXX directly with them on a special type of order they allow. They claim I didn't pay it off. However I have bills showing it was paid down to under {$50.00} prior to the due date of XX/XX/2018 I sent them all of the billing statements proving that. I even filed a complaint with you and the XXXX XXXX XXXX  on this same issue. It was neither resolved or corrected by either agency. Instead it was allowed to fester. I disputed it with all of the bureaus and sent the same exact evidence to them as well. They too ignored it and sent it back with the same incorrect balance not having been resolved at all. I don't believe they did anything other than send them some ticker tape notice saying I disputed the item. I sent them a lot of paperwork that cost me a lot of money to dispute this and explained the situation. They treated it like any other dispute and didn't resolve nor even try to handle it with the proof provided. They just disregarded it and sent me a useless report not saying anything! I refuse to pay XXXX the money I don't owe them and will end up suing them when I get the balance low enough to that point. I don't think a judge would agree with them if this is not resolved this time.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

There is a collection for {$210.00} on my Equifax report. I was not made aware of it and never got anything from any collection company stating I had been turned over to collections. I called a medical billing company I thought it might be, they said it wasn't them. That leaves an unknown company damaging my credit with no notification to me. I want this item removed and never put back on my credit. If it is I will promptly sue the biller and the collection agency for numerous Fair Credit Act violations. See page page 2 of the report attached, top of the page.
Consumer complaint received 2018-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (AR)

OnXX/XX/XXXXI called AES customer service to inquire about having the paid ahead status removed from my account. The representative instructed me to send an email requesting the removal. Two weeks later I received a call from another representative that an email was not an accepted form of communication for this request and I would need to mail or fax a letter. In XX/XX/XXXXI faxed a letter with the following message : I am requesting to have the paid ahead status removed from my account.

OnXX/XX/XXXX I called AES to verify that the paid ahead status had been removed. I was informed that it had indeed been taken off. However, when an extra payment was made that month the payment was again moved ahead. Again I contacted AES and another representative told me that the paid ahead status was only removed one time, even though my letter did not say one time. It has now been 3 months and I have not been able to get the paid ahead status removed from my account permanently.
Consumer complaint received 2021-05-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX  Finance/Personal XX/XX/2019 TransUnion XXXX XXXX Automotive XX/XX/2019 TransUnion XXXX XXXX Finance/Personal XX/XX/2019 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2018-05-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (NY)

On XX/XX/XXXX, I requested a credit line inquiry with the knowledge that I would receive an soft inquiry on my credit and no big risk. Needless to say, on XX/XX/XXXX I received notification from XXXX XXXX that my credit score had been updated. However, I knew that I made no additional adjustments towards my credit so I immediately got alarmed and begin to take action. After responding to the credit card company, there only response was that anytime there is an credit line increase, that it always is an hard inquiry. Needless to say, in my defense I have had an increase before on this credit card and my XXXX card but never actually received an hard inquiry because of a request. I never applied for a new card or anything. Sorry for the inconvenience, but can someone please help me better understand how I can resolve this issue.
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (LA)

I agreed to a debt settlement with First Source for an outstanding amount due to XXXX. I was informed that my last payment of {$300.00} did not go through. I did not have a credit card on me at the time to resubmit the payment in. I called back with the credit card information and never heard back from the Company. I figured that took care of it because I never received written notice that there was anything wrong with the payment I called in. I even went onto the XXXX site and it showed the {$300.00} posted. That was why I did not think anything was wrong. I received a letter from a new collection agency, XXXX XXXX XXXX, stating that my debt was transferred over to them for the full amount. I called First Source and was told it was no longer in their files and to call XXXX. I went to call XXXX and was told to call the new collection agency for more information. The new collection agency was the one that informed me that the {$300.00} did not go through and now I owe the FULL amount. I was told they could not do anything about it and all they know is that the file is now with them to collect the entire amount. I called XXXX again and was told to call back to the collection agency, XXXX XXXX XXXX, since there was nothing they could do.
Consumer complaint received 2018-05-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Big Picture Loans, LLC (WA)

My issue is that I shouldn't have received loan offers in the mail, nor be engaged. I was desperate for a short-term loan but I needed a little more than 200 or {$300.00}. Big picture loans had been soliciting to me via the post mail for several months and my husband was going out of the country. The interest was ridiculous, but we had a plan.. I would use my XXXX bonus check to pay off the loan early. Unfortunately, we got unexpected expenses while my husband was traveling and I could not pay it off. 

I could not get a big enough tax refund to pay it off. After seeing how much money I have paid I started to feel like I was almost done paying it off but I have barely paid anything towards principal. XX/XX/XXXX I received {$920.00} loan and as of XX/XX/XXXX I have paid XXXX for interest and {$26.00} for principle. 

I knew this was a huge rip-off but because they are a tribal based company I felt like I made a deal with the XXXX and that they could legally rip people off if they wanted to. 

I started researching the company and seeing if there were any class actions against them that I could sign up for because I was tired of paying so much money just towards interest. 

Well I found this company is not legally license to operate and loans to Washington State residents. I was being solicited to, at my Washington state home, since early XX/XX/XXXX. Washington State Department of Financial Institutions states that this company 's loan can not be enforced and all interest paid or fees paid must be refunded ( https : //dfi.wa.gov/XXXX  ) I am distraught at how much I have paid in 7 months, unaware that this company is not only charging sky high interest, but misleading me into thinking that they are above the law.
Consumer complaint received 2018-05-29
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. (MA)

I was going through my credit report from the 3 major credit bureaus ( XXXX, experian, and XXXX  ), and noticed Items that i've attempted to resolve with them for 4-5 months now and still shows unresolved with the same erros. These items have multiple inaccuracies and it's a total violations of state and federal laws and regulations ( FRCA, FDCPA, etc ).
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

AS OF XXXX OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES FRAUD INQUIRIES LISTED BELOW XXXX XXXX XXXX  Banks XX/XX/2022 TransUnion XXXX XXXX XXXX XXXX  XX/XX/2022 TransUnion XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 Transunion RESPONSE DISPUTE XXXX XXXX Code XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2018-05-28
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. (FL)

This is regarding my Citibanks credit card ( Card number ending with XXXX ). 

I purchased an Air ticket for 3 travelers ( Myself, my wife and my daughter ) from XXXX XXXX on XX/XX/XXXX. 

'XXXX XXXX ' issued me 3 ticket numbers ( for 3 travelers ) under a single PNR. The entire transaction amount were split into 3 transactions ( for 3 ticket numbers ).

I disputed all 3 transactions with Citibank on XX/XX/XXXX as 'XXXX XXXX ' did not allow us to travel on their flight even though we had proper documentations, passport, visa.

Citibank created following 3 dispute case numbers for three transactions and asked me to provide supporting documents. 
Case # XXXX Case # XXXX Case # XXXX I provided supporting documents for all 3 disputes on XX/XX/XXXX and I clearly explained to Citibank that all 3 disputes are related to same incident ( under a single air ticket PNR ) and should be looked into and processed together. 

Citibank started processing the disputes and I was communicated on XX/XX/ that Dispute XXXX was resolved in my favor and a Permanent credit was applied to my card. 

On the same day, Citibank commutated to me that other two disputes ( XXXX and XXXX ) were resolved in merchant favor as Citibank did not receive the supporting documents from me within the timeframe. 

I contacted Citibank multiple times and explained that I provided supporting documents for all 3 disputes on same day- XX/XX/ ( and I have the proofs ). So it was Citibanks negligent act in processing other two disputes ( XXXX and XXXX ) on timely manner which resulted the disputes in merchant favor. 

Since one dispute ( out of 3 ) was resolved in my favor and all 3 disputes were related to same incident ( under a single air ticket PNR ), it proves that all my 3 disputes were valid and we had proper documentations, passport, visa.

I requested Citibank to reopen other two disputes since it was not my fault, rather it was Citibanks negligence that they ignored my supporting documents for those two disputes ( XXXX and XXXX ). 

I made multiple attempts and request to Citibank either to reopen the disputes or credit the disputed amount to my credit card account. But Citibank did not honor my request. 

Hence I am seeking permanent credit ( Total = {$1700.00} ) for the two disputed disputes from Citibank. 

Disputed amount for XXXX = {$880.00} Disputed amount for XXXX = {$880.00} Total = {$1700.00}
Consumer complaint received 2023-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have contacted the following companies numerous times XXXX, XXXX, and Experian regarding the wrongful posting of inaccurate personal information. Both have inaccurate home addresses and phone numbers where people have fraudulently used my name and associated my name with addresses and numbers that are not mine. I have requested proof neither company sent any proof though just stated it has been confirmed the fraudulent address are mine even though I filed identity theft and this is noted on my credit reports though the companies refuse to remove the inaccurate addresses and phone numbers.
Consumer complaint received 2023-07-02
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. (CA)

While looking at my credit report i have noticed the following accounts had a discrepancy in the " payment history '' section of the listing : Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX these charged off accounts is reporting payment history each month when it should not since the accounts have been charged off. this is falsely manipulating the status of limitations which is a FCRA violation. 
FCRA623 ( a ) ( 5 ) ( a ) ( 5 ) Duty to provide notice of delinquency of accounts. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action.
Consumer complaint received 2018-05-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (MD)

Phoenix Financial Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IN XXXX I have two collections accounts recent reported by Phoenix Financial in XX/XX/XXXX for 2 medical collection accounts in the amounts of {$1100.00} and {$830.00}. These are being reported to all 3 major credit bureaus ( XXXX, XXXX, and XXXX ). 

These 2 collections accounts are being reported as of XX/XX/XXXX with a Date Opened of XX/XX/XXXX. 

These same 2 accounts were already reported previously by XXXX XXXX XXXX with XXXX XXXX XXXX being the original creditor. The 2 collection accounts reported by XXXX XXXX were in the amounts of {$1100.00} and {$830.00}. Both accounts were deleted from all credit bureaus as these were falsely reported accounts. XXXX XXXX 's collection accounts had Reported Dates of XX/XX/XXXX, and Date Opened of XX/XX/XXXX. So as you can see, not only are their discrepancies in dates, but it is obvious these are the exact same accounts just resold to another debt collector, despite the fact both accounts were already deleted and removed from all my credit reports. 

I was never provided notification, or allowed to contest this information. Once a debt comes off of your credit report, no furnisher, creditor, debt collector or credit bureau is legally allowed to reinsert it, disguise it and re-report it, without notifying you and giving you the opportunity to contest it. Is this not correct? 

I am in the middle of being approved for a mortgage and this is an absolute joke that the bureaus even allowed this information to slip past and be re-reported. Quite honestly I could pursue legal avenues and not only get my credit report cleansed of the false information, but I am also likely entitled to monetary damages. 

Phoenix Financial has already been contacted twice with no response received. I opened disputes with all credit bureaus, and a complaint with the XXXX against Phoenix Financial. In which, Phoenix immediately responded and said for me to reach out via email. Which I have twice, and have received no response.
Consumer complaint received 2018-05-28
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: Experian Information Solutions Inc. (TX)

I have been a subscriber to the XXXX, Experian, and XXXX credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, XXXX, Experian, and XXXX. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my XXXX, Experian, and XXXX   consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new  OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with XXXX, Experian, and XXXX. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) Experian [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 3 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!
Consumer complaint received 2018-05-28
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. (TX)

I have been a subscriber to the XXXX, XXXX, and TransUnion credit monitoring products since XX/XX/XXXX. To my surprise, I initially discovered that there were inaccurate, incomplete, and unverifiable information throughout each of my consumer credit reports. I filed formal disputes on XX/XX/XXXX, with each of the nationwide Consumer Reporting Agencies, namely, XXXX, XXXX, and TransUnion. Pursuant to an OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX filed in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX, most of the disputed items were immediately " deleted '' from my consumer file because of the inaccurate, incomplete, and unverifiable information. However, on or about XX/XX/XXXX, some of the previously deleted inaccurate, incomplete, and unverifiable information items suddenly reappeared on my consumer credit reports causing my credit scores to plunge over 208 points. I dispute the validity entirely of these inaccurate, incomplete, and unverifiable information items. I hereby demand that these inaccurate, incomplete, and unverifiable information items be immediately " deleted '' from my XXXX, XXXX, and TransUnion consumer credit reports because they are in direct violation of my consumer rights pursuant to the procedures, rules, regulations, and requirements as described in the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Texas Business and Commerce Code Title 2, Chapter 20, and as directed by the Texas Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau. I filed a new OFFICIAL CERTIFIED AFFIDAVIT DOCUMENT Number XXXX in the OFFICIAL PUBLIC RECORDS OF XXXX COUNTY, TEXAS on XX/XX/XXXX with regards to the complaint outlined in this specific dispute with XXXX, XXXX, and TransUnion. I have sent Certified Official Affidavit Packages with Certified Exhibits 1 through 7 to the following : ( 1 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 2 ) XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 3 ) TransUnion [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ] ( 4 ) XXXX XXXX XXXX [ Certified Mail Receipt Article Number XXXX XXXX XXXX XXXX XXXX ]. Please see all attachments and exhibits in the documents to be uploaded into the CFPB system. Thank you!