davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
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. (GA)

On XX/XX/XXXX and XX/XX/XXXX I filed a proper dispute about XXXX XXXX XXXX with Experian with account number XXXX and contacted XXXX XXXX XXXX with a dispute with request for Validation on this unknown account. I sent certified mail to XXXX XXXX XXXX twice on XX/XX/XXXX and XX/XX/XXXX to VALIDATE which they never response to this unknown account. XXXX properly investigated and deleted off my credit report on XX/XX/XXXX. Experian refusal to properly investigate or properly mark this account as in dispute as is in  violation FCRA and FACTA. I included a copy of this unknown account being deleted off my XXXX   credit report and a copy certified mail to XXXX XXXX XXXX. Experian concluded that the monthly payment and balance is accurate and verified when I did dispute. Clearly its incorrect because a auto car loan can not have a monthly payment of {$0.00}. They verified that the balance of {$15000.00} is accurate. They also verified that I pay {$8000.00} on this account on XX/XX/XXXX. So if I paid {$8000.00} on this account why is the balance is {$15000.00} when Experian verified that {$20000.00} was written off? Which under FCRA is inaccurate and must be DELETED because the balance and monthly payment is is reporting inaccurately. FCRA states to put on a Consumer report everything must be 100 % accurate and correct!!!
Consumer complaint received 2017-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

I attended the XXXX XXXX XXXX XXXX XXXX XXXX out of XXXX FL and XXXX IL in the online course from XX/XX/XXXX until XX/XX/XXXX. I started out making very good grades and even Received a XXXX online XXXX XXXX XXXX recognition of outstanding academic achievement. As soon as we entered the " coding '' section of the course I started to have real problems and requested a tutor. I was told there was no tutor 's available for that particular section. My instructor also stated this was the section most people had a very hard time with and people ended up dropping out of the school during this time. I continued to struggle after getting no help and eventually had to drop out before I ran up loans and school bills for something that had absolutely no end or help in sight. So for being there for 10 total months and really did n't do much in XXXX on I ended up getting {$11000.00} in student loan debt. I was on XXXX while I was in enrolled in school. My first payment was XX/XX/XXXX. I questioned how I ran up so much in debt for an online course that I only dropped out of because they refused to try and help me and pretty much just left me behind and fail with no help at all. The school ended up closing and defaulted in many school debts. I have had a monthly payment of around {$89.00} a month but is now going up to {$110.00} a month. And I am scheduled to pay back {$4100.00} in interest and this is putting a financial strain on my household. I do n't think its fair that you could see I was a very good student making good grades and never missing online meetings or scheduled classes to all of a sudden going downhill with no help from a school that ended up closing its doors and not seeming to really care about the issues I and other students were having.
Consumer complaint received 2017-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

In XXXX, XXXX I filed a fraud claim against a company in California. The person who took my complaint XXXX, gave me Case number XXXX. She incorrectly charged the wrong company, XXXX with fraud. A few days later when I found this out about this error, I called Citibank and talked to XXXX who I reported this error to and again named the company for which the fraud complaint was intended for. XXXX assigned me case number XXXX. The case of fraud against the California company was resolved in my favor 3 months later. I received a letter from Citibank in XXXX, XXXX asking if I wanted to drop charges against XXXX. I then called and spoke to a Citibank customer service person who said I had to sign the letter that I did not want to press fraud charges even if I never charged XXXX with fraud. I asked to speak to supervisor XXXX who said to ignore the letter since he could see I had informed Citibank of the error in XXXX, XXXX. I then started having a problem with XXXX and an inability to use my debit card with them. I reported this problem to supervisor XXXX XXXX on XXXX/XXXX/XXXX. He said it should be cleared up in one week. I made contact with customer service that I was concerned that XXXX did not give me a case number and that he would not send me an email confirming what he would do. I later received an email that it might take another 3 more months to clear up, but still no case number assigned to the problem. I emailed XXXX XXXX XXXX in XXXX XXXX at the Citibank executive response unit in XXXX XXXX and she said she would investigate and then a week later stated in an email to me : " XXXX XXXX, please accept my sincere apology for the inconvenience you described surrounding the use of your debit card with XXXX. Our goal is to ensure that all of our clients are provided with the highest level of service and we regret that you found cause for dissatisfaction under any circumstance. '' She then stated the " case was closed. '' I still can not use XXXX to purchase items and it has been almost a year that I reported Citibank 's error and now XXXX XXXX XXXX will not respond to my emails and normal customer service at Citibank will not address the problem since it has been handled by the executive response unit.
Consumer complaint received 2017-09-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My current legal name is ; XXXX XXXX XXXX and my current occupation is ; XXXX XXXX XXXX XXXX XXXX.i would like to complain my credit score, because before XXXX/ XXXX/2017 and after my credit report is incorrect information and inaccuracy, But my credit score is over XXXX point, and I was requesting for disputing and reporting to the CRAs also I was lost over one hundred points of my credit score after all this, CRAs correct the information and remove items off my credit report .TransUnion they reinvestigation and disputed all the inaccuracies the account collection also, after investigations and disputes inaccuracy on my credit report I believe that Im an innocent victim of fraud also, but I would like to ask rescore and give my current score back I was lose a lot of points about the items is not belongs to me my credit report now is XXXX .i did call TransUnion to asking them to rescore their told me their dont know. Please I would like to ask for help rescore my credit scores.thank you
Consumer complaint received 2023-03-17
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. (GA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several unauthorized inquiries on my credit report, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I have found several inquiries that I did not authorize, and I believe they may be fraudulent. 

As per the FCRA, I have the right to request that any inaccurate or unauthorized information be removed from my credit report. Therefore, I am requesting that the following inquiries be removed from my report immediately : XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX  : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX XXXX XXXX : Date of inquiry : XX/XX/XXXX As I have no record of authorizing these inquiries, I believe that they may be fraudulent. I am therefore requesting that these inquiries be removed from my credit report as soon as possible, as per my rights under the FCRA. 

I would appreciate it if you could investigate these inquiries and take appropriate action to remove them from my credit report, in accordance with the FCRA. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastpoint Recovery Group, Inc (VA)

I have an outstanding debt with a company who sold my debt to EastPoint of XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. I rec 'd a notice dated XX/XX/19 as the Initial Notification from them. They began calling my husband, then by some means got my son 's info, my son 's girlfriend 's info and my son 's girlfriend 's sister-in-law 's info and began calling them. On several occasions they were informed not to call our son and they have now been told to not call his acquaintances as well. 
The rep, XXXX, threatened that if I didn't pay either a large payment or the entire balance that they would file a fraud claim against me and take me to court. I mentioned that I was exploring the option of filing bankruptcy and he advised " good luck, these guys have lots of money '' and " that I would go to court before I was before a Trustee ''. 
I would like to work out an arrangement with them, but their representative XXXX is not reasonable and doesn't seem willing to work anyone. His tactic is to bully and threaten. I realize that he works on a basis that he gets a percentage of what he collects, but he is unwilling to discuss options other than pay now. 
Everyone hits hard times in their life for whatever reason, up until XXXX, we had made all monthly payments on time through an autodraft from our account. We are trying to stiff the creditor, just have them work with us in a reasonable manner.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (MS)

I have had this card since XXXX of 2021. And I pay very well on it by the love and will of Jesus Christ and our loving precious father God. I do believe these companies think they can take advantage of older people I am ( XXXX XXXX XXXX ) I have been paying monthly payments on this credit card since XXXX of 2021 and every day up until now this month XX/XX/2021 I have payed my monthly bills. I had no earthly idea that the company wasn't applying my monthly payment 's. Okay my first payment was in ( XXXX of 2021 and I payed XXXX payment for XX/XX/2021 ) then thereafter I have been ( paying from XX/XX/2021 to present XX/XX/2021 XXXX month 5 months I have payed my bill to them faithfully ) then I decided to check the balances over the phone because I would have never! In my life thought my bill was still at a balance of ( XXXX when I only had a spending balance of XXXX I am like what??? I have payed those people 's XXXX on a XXXX store credit card and they have not! Applied my payments toward my balances. I called them and asked them for my statements several times and they refused to send me my statements to my new address from the beginning and they will not sent me my statements I called and called several of them that work for this company plus mangers and all. They are refusing to add my payments I have payed them and they are refusing me my monthly statements from XXXX up until XXXX and they will not give me print outs are where are what they have done with all my payments. It's terrible I have payed these people 's and they not applying all my monthly payments. It's no way I have payed them ( XXXX ) and my bill is still XXXX because they only had given me XXXX store credit. I told them it's illegal fraud and thief they told me boldly and coldly you will not get your statement 's from your payments each month we will not sent them too you cold heartedly and they have not! And never sent me anything about my monthly payment 's not applied and never been applied. Be blessed
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

equifax failed to remove the following from my credit report can youi please look into it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX
Consumer complaint received 2021-12-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/ 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-24
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: Bread Financial Holdings, Inc. (MI)

There is an account on my credit report ( XXXX XXXX that I do not recollect opening. 

I sent a letter to the creditor, Comenity capital bank asking for information on this account but more importantly, I would like a copy a contract/ and or what was bought at XXXX so I could investigate it. 

Comenity capital bank sent a letter back to me saying the account in question was sold on XX/XX/2019. 
Im not sure how they can report this on my credit without validating this account at my request.
Consumer complaint received 2021-12-24
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

please find attached the creditors letter for which they have approved of the delinquency being inaccurate for my XXXX  accounts ( letter attached ). 
i have already received approval from the creditor to have this inaccuracy removed therefore please help to have the credit reporting agencies remove these negative marks as well thank you
Consumer complaint received 2021-12-24
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. (PA)

I have multiple inquiries that I did not approve. I submitted a complaint and the inquiries are still in my report. 
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 were Never authoritized .
Consumer complaint received 2021-12-24
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. (PA)

I am a victim of identity thief my personal identification and ss # has been used without my consent acquiring to apply for banks, unemployment in different states, hard inquiries that are not from my consent, Ive have tried reaching out to the companys directly no help, I have called the credit report agencies no help, i also contacted the federal trade commission to report identity Theif I was given a ftc report and the credit reporting still wont fix my credit XXXX XXXX and Trans Union reports are Completely wrong
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NY)

There are two delinquent charge off accounts on my Equifax and XXXX credit reports that was removed for identity theft for XXXX XXXX XXXX and XXXX card with corresponding account # s : XXXX & XXXX. The account were removed from my credit report however, they reappeared very shortly after with no explanation as to why. These fraudulent accounts are not mine whereas I have no knowledge of them. I submitted information to equifax and XXXX that plead my case as to why the delinquent accounts that don't belong to me were removed so I don't understand why they were readded back to my report with no evidence or notification from the bureaus within 30 days.
Consumer complaint received 2021-12-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX with account # XXXX .... and XXXX XXXX with account # XXXX .... on my experian credit report is two debts that don't belong to me that I have no acknowledgment about and don't belong to me. These are a result of identity theft whereas these accounts are also in litigation as I am trying to get this off my report as they are not mine and they are fraudulent accounts. Experian fails to acknowledge my demands, and respond to my letters and complaints as in the screenshot I am going to send they deleted 5 credit inquiries from XXXX on 5 different dates but I have never applied for a discover credit card or made applications for credit on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There isn't even a XXXX inquiry on my credit report as the only Chase account I have is in good standing and has been opened from XXXX so how can I have a charge-off chase account balance where I supposedly owe {$1700.00} but I have a current up to date account with chase from XXXX and if I had a collection/chargeoff they would close my other accounts as well? This isn't making no sense and Experian keeps neglecting to respond or meet my demands or provide any type of information.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: MIDFIRST BANK (PA)

I have tried to open an online savings account with VIO Bank twice and been denied. 
The bank refuses to give a reason, though I was told on the first application it was a Consumer Credit Agency report problem and asked for additional information ( facsimile of Driver 's license ( which was provided ) ). The bank refused to provide a letter stating the reason for the denial. 

On XX/XX/19 I filed a new application, which was again denied online. A call to the bank resulted in the customer care representative telling me that he could not disclose any reason for the denial. I told him I would request the reason for the denial in writing. After consulting with his supervisor, the VIO Bank rep reported " that is only for brick and mortar institutions, we are strictly an online bank ''. When I asked if any Consumer Reporting Agency was used to deny my application, the rep refused to answer. 

It is obvious that SOME Consumer Reporting Agency was used because the personal identification questions that the bank used were directly from my credit history and that information was provided during my initial application by a previous representative.
Consumer complaint received 2021-12-24
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. (PA)

Notes 1681g. Disclosures to consumers ( a ) Information on file ; sources ; report recipients Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : I currently have a 12 late payments reporting on my credit report which werent late. I asked for proof and they did not send me any. Ive tried to get them removed multiple times because it is false.