davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

In accordance to 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 XXXX  XX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX  XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXXXX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXX  XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XX/XX/XXXX Account name : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name XXXX XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX  XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XX/XX/XXXX Account name : XXXXXXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XXXXXX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/XXXX Account name : XXXX XXXX XXXXXX/XX/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 an 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I have contacted this agency on several occasions to dispute this debt. This is not mine, I never opened an account with them. I have sent them a certified letter ( attached below ) asking for verification, including my signature on any documents, itemized charges, etc.. they have parked this debt on my credit report and it is causing me damage. They are violating my rights as a consumer. They call me non- stop, they cant provide any burden of proof and I want this debt removed.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NY)

I did a balance transfer with Discover Financial Services. When I did the transfer, Discover approved same. A week later, Discover reported me to the credit ratings companies as being past my credit limit and my score dropped XXXX points to " poor ''. 
I called and XXXX XXXX From Ohio explained that when the transfer was approved, it was within my limit, but XXXX weeks later, Discover tacked on interest charges which put me past my limit without me knowing, being warned, nothing. 

Discover should extend credit that later on goes beyond the limit, and then report the customer and damage their credit. This will affect my interest rates and is unacceptable.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

on XX/XX/year>XXXX  I send letters to experian requesting incorrect items on my credit report to be addressed and as of todayXXXX I still have not heard anything back. 
FCRA states they are to respond within 30 days and I have received nothing meanwhile my incorrect credit still stands. 
This also is my second complaint about this same matter.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I requested the company of fifth third to validate that this account had been paid late on XX/XX/2023. Account number ending in XXXX. I also requested written proof from myself that this company had the right to report late payments to my credit.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (CA)

After being an XXXX  years of a CITIBANK customer I have received letters of account closure notification. CITIBANK is stating that they are closing all of my checking and savings accounts. They are not providing any specific or generic reasons of this action.

I have tried reaching out to their branch and online representatives including supervisors. None of them were able to provide me with any specific reason for why my accounts are being closed.

I insisted to receive a reason of the account closures but the final verdict was always that nobody would be able to provide that information.

As a matter of fact, there is no plausible reason that would cause my accounts being closed. I would be glad to communicate and provide any information that they perceive as a reason however, CITIBANK is completely closing the communication channels and treating their customers as disposable objects rather than human beings.

My takeaway is that CITIBANK simply kicks their customers out anytime they see them not fitting to their systems. They are not willing to communicate and provide reasons simply because they don't have any.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX  {$0.00} XXXX  XXXX XXXX XXXX {$310.00} XXXX XXXX  XX/XX/year>
Consumer complaint received 2024-09-03
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. (LA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions. 

XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX
Consumer complaint received 2024-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I am writing to provide an update on my ongoing issue with Citibank, regarding the verification process for unlocking my account. Despite their response to your office indicating that they have sent verification letters to my address on XX/XX/year>, and XX/XX/year>, I have not received either of these letters. I have informed Citibank multiple times that I am not receiving the letters, yet they have offered no alternative solution to verify my identity and unlock my account. 

Citibank continues to insist that the only method for completing the verification process is through the letters they claim to have sent. This lack of flexibility and responsiveness has left me unable to access my account, despite my compliance with their requests and the fact that I am receiving other mail from Citibank at the same address without issue. 

The lack of a resolution has caused significant inconvenience, and I believe Citibank is not adequately addressing this matter. I respectfully ask for your assistance in ensuring that Citibank provides a viable alternative for me to verify my identity and regain access to my account.
Consumer complaint received 2024-09-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX SS XXXX XXXX XXXX I am having some issues with my address on my credit report and my current Married name. My current and only address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. PLEASE REMOVE THE FOLLOWING UNKNOWN ADDRESSES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc. (OH)

I am a co signer on a mortgage loan with my daughter for the account of Mr Cooper and was never made aware of any payments being late or was not included in a repayment plan. I found out about this only by noticing a decrease in my credit score and upon further investigation seen this loan had 4 late payments reported. I contacted the company and verified that I personally had never been sent any notices to my address, email or contacted by telephone. All notices was sent to the loan address and all dealings was only completed by the borrower without my consent or awareness. I have asked the late payments be removed by this company and it has not been done.
Consumer complaint received 2024-03-20
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (VA)

Id like Barclays to refund my {$99.00} annual fee paid on XX/XX/XXXX for my XXXX XXXX credit card. Barclays provides an 60 day grace period after the annual fee is paid to close the account and receive a refund of the {$99.00} annual fee. For me, this deadline would have been on XX/XX/XXXX. 

I tried multiple times to close the card during XX/XX/XXXX but was unable to connect with a customer service agent. Unfortunately, Barclays doesnt allow customers to close their credit card accounts by mail ; customers must speak with a customer service agent. 

I was finally able to connect with a customer service agent on XX/XX/XXXX and was able to close my account. However, this date is outside the 60 day grace period and I did not receive a refund of my annual fee. Moreover, I experienced a near miss and almost did not succeed in closing my account. The customer service agent encountered systems errors and had to reboot his systems twice. The agent acknowledged that Barclays has frequent problems with its IT systems that prevent customers from completing their requested account actions. 

Below are the dates and times when I contacted Barclays customer service phone number ( XXXX ) during normal business hours during XX/XX/XXXX. Each time, I was subjected to wait times of over XXXXXXXX XXXX and in all but one case was automatically disconnected. Since Barclays does not make a good faith effort to maintain sufficient staffing nor the IT systems reliability to ensure proper execution of account closing procedures, Id like Barclays to refund the {$99.00} annual fee. 

Dates of contact with Barclays : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The unverified account indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX  XXXX XXXX Balance : {$420.00} XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX has been reporting incorrectly. Not sending proper notification of validation for account listed on my consumer report. The dates of activity is factually incorrect and the activity date on the account is illegally reporting and improperly investigated. I will send the screen shot of the account so you can closely take a look at how it is improperly reporting inactive dates to ensure that the account remains open and listed on my consumer report. It is not correct validation. Give me the method of validation and process used please. The process that you used to validate the debt. Who you talked to contact and the address. 15 days to respond. Last Date of activity to keep updating this debt. Last Date of activity that you made a payment on the account. I never made a payment. That is fraud. Date opened on is incorrect, the amount owed on each report is incorrect, and reporting incorrectly. Past Due amount is incorrect XXXX las active in also incorrectly. XXXX date of payment. I have not made any payments and they haven't provided me with no XXXX XXXX and they claim to have charged off the debt. I asked for a 1099c they ignored me and never rpodvide me wit it
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

Please see the attached documentation There is too much information to type or copy and paste here Thank you! 

Overview : MOHELA has duplicate Parent Plus Loans on my account and they have not removed the DISSOLVED Consolidation Loan they wrongly advised me to take out XX/XX/XXXX There is an extra {$43000.00} on my account for months now because of the duplicate PPLs. 
Everyone I talk to at MOHELA says they will fix it in 10-21 business days. 
This has been going on for 5-months now. 

XXXX dissolved the Consolidation Loan on XX/XX/XXXX It's still on the account MOHELA has my account balance completely inflated and wrong : Current Principal : {$120000.00} ( wrong ) Accrued Interest as of XX/XX/XXXX : {$3200.00} ( wrong ) Payoff Amount as of XX/XX/XXXX : {$120000.00} ( wrong ) MY Correct Loan ( s ) Balance is : {$81000.00} Their Customer Advocacy Team keeps telling me it is in processing and will be fixed 5-months later now change I have filed multiple complaints with MOHELA, spent HOURS on the phone, filed complaints with FSA and XXXX, still no correction. 

Please read the attached documentation, it is dated and timestamped for each contact with MOHELA, FSA, and XXXX Who is holding MOHELA accountable for their lack of fiduciary responsibility, inflicting consumers with fraudulent account balances, and their inability to provide reliable or timely customer service. Their behavior is borderline criminal. 

ALL OF THIS STARTED WHEN I CALLED MOHELA XX/XX/XXXX FOR HELP ON LOWERING MY PAYMENT AND HAD THE MISFORTUNE OF SPEAKING WITH A REP-IN-TRAINING WHO DID NOT KNOW WHAT SHE WAS DOING.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Innovis Consumer Assistance XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 


My name is XXXX XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 

Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end.

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 

Yours truly, XXXX XXXX
Consumer complaint received 2024-03-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: The Savings Group, Inc. (PA)

On Tuesday XX/XX/year> ; I accepted an offer to refinance my car loan through XXXX XXXX and their lending partner XXXX. The offer was an 84 month term at 6.35 %. XXXX XXXX used my address, income, credit score, and current loan information to qualify this offer. On Wednesday XX/XX/year> ; XXXX approved me for a loan but quoted interest rates higher than I currently pay and stated that the rate and term that were selected were not available. The employee of XXXX ; XXXX XXXX ; then stated that interest rates are dependent on political climate and impacted by the election and offers are dependent on zip code. I highlighted the numerous consumer lending violations at play here ; advertising rates and terms that were not available, statements made by the company ( via XXXX ) which are false and illegitimate, and how if any of those statements were being used they would be further violations. 
XXXX continues to have rates advertised as low as 5.45 % ( 60 month term ) through XXXX XXXX ; however the lowest rate they are offering is 8.04 % ( 60 month term ).
Consumer complaint received 2024-02-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (IL)

Around XX/XX/2024, I received an email notifying me that a derogatory item was reported on my credit profile with all three major credit bureaus. On today, I accessed my credit profile via XXXX and learned that Jefferson Capital Systems reported a debt of {$480.00}. The company reported this debt to the credit bureaus without contacting me to verify the debt. More importantly, the debt does not belong to me. I request that the debt be immediately removed.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.