davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (MI)

In XXXX of 2024, I was reviewing my credit report and noticed that XXXX was reporting an account as a student loan when it wasn't from the university XXXX XXXX  I filed a dispute to have this information corrected. During the process, I looked over my XXXX report and Experian for any inaccuracies. My XXXX report for XX/XX/year>2024, was not reporting university XXXX XXXX  student loans accounts at all. During the investigation the company ( university XXXX XXXX  ) decided that they were going to report the inaccurate information to the other two credit companies ( XXXX and Experian ). I called the company to inform them that they reported these accounts as collections when I have legal documentation from the courts with the company information on it to where the courts sent the bankruptcy information to and when. The University XXXX XXXX  student loan department stated they did not receive the information. I sent them the paperwork via email as proof. The company stated they were going to remove the accounts. XXXX did the investigation and only updated the information to " included in bankruptcy ''. My credit report is still 3 years ' worth of reported collection/ not paid information on my credit report. It's not fair to me to constantly file disputes for inaccurate information. 



Updated to previous response : XX/XX/year>2024 I received an alert from Experian regarding the dispute I filed concerning the reference accounts listed above. They did not take any action on these accounts. I pay monthly to have my report monitored and to ensure that any inaccuracies are addressed properly. The report stated that there would be no changes, yet my credit score dropped by XXXX points! If nothing has changed, how can my score drop so significantly? I reviewed my entire report and found no new accounts, updates, or collectionsabsolutely nothing has changed. Once again, this information is inaccurate, and the company falsely certified its correctness despite receiving proof that it was part of a bankruptcy. They still attempted to collect money from me. This doesnt make any sense. I have also attached proof to this complaint. If proper action is not taken, I will have to start legal action.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I have spotted mistakes on my credit report regarding 15 USC 16c-2. The inquiries present were not authorized by me, and this incorrect data is affecting my credit negatively. Please remove all unauthorized hard inquiries. Thank you!
Consumer complaint received 2024-03-19
Product: Credit card — Store credit 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. (AZ)

I purchased some goods online on XX/XX/XXXX with order number XXXX for a total of $ XXXX.After reviewing the orders upon delivery I kept some and used the Macy 's website to initiate a return that was dropped off at a XXXX  fulfillment center on XX/XX/XXXX. Return label details include 1. Estimated Refund - {$3600.00} XXXX Tracking # XXXX XXXX. Order # XXXX 4. Reservation # : XXXX On XX/XX/XXXX at XXXX XXXX, I got an email stating the package was delivered and my refund will be processed within 3-5 days. I waited a week, called the customer service line, and was told due to the amount it would take 28 business days to get credited. After a month I called again and then I was told they never got the package. After a few calls again I was then told that they got the package but there was nothing in it. I went to XXXX  site to file a claim however, the system will not let me stating ONLY THE RECIEVER CAN FILL A MISSING PACKAGE CLAIM. 

I tracked the package on the UPS site and under proof of Delivery it shows the package was delivered at the Macy 's XXXX at XXXX Arizona on XX/XX/XXXX at XXXX XXXX, It showed the weight of the box at " XXXX '' and " MACYs XXXX '' received it. I honestly don't understand how a XXXX box is " Empty '' after delivery. No one at Macy 's has been helpful or shown concern about my money. 

I called the Macy 's store card and filed a claim to no avail as the card stated they were siding with the store. 

Please note : Because all the goods could not fit into the box, 3 of the initial items were returned to the store ( Macy 's XXXX ) in person. A total of {$310.00} was refunded. Total pending credit is XXXX - XXXX = {$3300.00}
Consumer complaint received 2024-02-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (GA)

This Complaint is against XXXX XXXX XXXX at Wells Fargo Executive Office- at Wells Fargo Bank . XXXX XXXX is the most recent member of the W.Fargo Executive Office and the Enterprise Complaints Management Office, to take over my Case / Complaint against W.Fargo. Ongoing for 14 months thus far- due to W. Fargo allowing my Retirement Savings of {$8800.00} to be drained through Fraudulent Transactions- -- AFTER I had everything in place to prevent this -- specifically my W. Fargo accounts deactivated and disabled. 
I was wrongly thinking that if someone works with the Executive Office, they should be seeking a Resolution. And this issue is what my Complaint is based on!! XXXX XXXX has only notified me x 1, that she now has my case. I have sent several Emails- no response. MANY, Many, attempts to call XXXX XXXX, no answer, no return calls, and strangely, no way to leave a message. Therefore, how can we finally get a Resolution in my Case, if XXXX XXXX refuses all communication with me!! 
And this validates once again, the reason that Wells Fargo has been voted the most hated bank in America in many, many, on-line surveys. AND WELLS FARGO IS VERY, VERY, WORTHY OF THIS NOMINATION. JUST DO YOUR OWN RESEARCH!!
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am not liable for this debt with charge off, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as i requested. This account is on my credit report for more than 7 years and 3 month. 15 U.S. C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-04-01
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: CITIBANK, N.A. (TN)

[ CITIGROUP INC. ] I recently demanded that your financial institution cease from furnishing my personal information to credit reporting agencies concerning [ CITICARDS CBNA XXXX ] Although you claimed i agreed electronically for your institution to disclose, Your disclosure is not clear and concise boldly where it is visual to me or stated to me verbally for me to decide before you furnished my non public personal information. It is your responsibility In accordance to 15 USC 6802 ( b ), to clearly inform me that my information will be published, your institution also did not give me an explanation of how I can exercise my non disclosure option. WHY DID YOU HIDE THIS OPTION FROM ME? THIS IS NEGLIGENCE OF YOUR OBLIGATION TO DISCLOSE MY OPTIONS TO ME. I DEMAND TO BE OPTED OUT from further disclosure of my non public personal information. I would like to exercise my rights under 15 USC 6801, and protect my non public personal information. Remove my information from the reporting agencies immediately. Thank you
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (OH)

I was looking to buy a new car and looked at two online sites XXXX and CARMAX. They both offered prequlification which I thought would be useful so I could keep myself within a certain price point, and it was advertised as having XXXX impact on credit report. When I finally decided which car to purchase CarMax requested to run a single hard request and was denied credit which I did not understand why until a few weeks later denied applications from multiple lending companies that I had neither heard of nor applied to began to pour in. Over XXXX in total which also ended up as hard inquiries on my credit report dropping my score to XXXX -over XXXX points in total. It has been XXXX months since this incident and I am still in the process of disputing with the credit agencies to get these items removed. I contacted carmax and XXXX and they said I authorized the check however I was unaware they were impacting my credit report so much and the soft inquires ended up as hard inquiries as well. I was unable to get a vehicle and am exhausted by this process. The businesses messed up but I am having to clean up the mess.
Consumer complaint received 2024-03-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (AZ)

LoanCare sent off my insurance payment on XX/XX/XXXX, and I paid off my loan on XX/XX/XXXX. they stopped payment on the insurance check. I would not have known if my insurance didnt call me. After this process, they owed me a refund of {$1600.00}. It is now the XXXX of XXXX, and I still have not received a check. After calling them multiple times, I get different answers and different totals of what they owe. This last conversation, as of XX/XX/XXXX, they paid my PMI after I paid the loan off. Now I am fighting to get back my {$150.00}. This company is poorly managed ; they raise my money every year due to poor management of escrow. I am thankful to be done with them but I want my money. The managers or customer service are rude, talk over you, and don't care in the least.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/XXXX of XXXX I reached out to the original lender about my payments and lease on the car with XXXX XXXX. I went to the location I purchased it from and spoke with the XXXX XXXX. He told me the location was closing and the new lender would reach out to me so I can resign my contract with them. After XXXX and a half years I never gotten any new contract from the new lender, lease, renegotiations about the car. I never received any letters or correspondence letting me know who they were or that they were taking over the company and lease. After almost XXXX years they took my car and still never sent any notifications about it. I never signed a lease with them and I would like this delete off of My credit. I don't know this lender and when I called the number on my credit report in XXXX of XXXX asking if they have my car, they told me not. This is against the law for lenders without contracts or lease to report on my credit or collect a debt. I'm sure the car was sold and they never updated that either. They are reporting the original amount of my car which was {$9900.00}. I had over a year worth of payments from XX/XX/XXXX up until the car had gotten taken and none of those payments got account for or taken off my balance with the new lender. Please help me get this deleted off my credit. Since this is against the fair credit act.
Consumer complaint received 2024-09-30
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX Balance : {$15000.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$19000.00}
Consumer complaint received 2024-03-23
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (IL)

I have a store credit card for " XXXX XXXX XXXX '' through Comenity bank. I went into a local store to make a purchase with my credit card on XX/XX/XXXX. Online and in the store it shows that I have a credit limit of {$5000.00}, with a balance of {$0.00} so all {$5000.00} is available for purchase. I went ahead and attempted to purchase furniture to the amount of {$3700.00} and was denied at checkout. 

At the store, we called into their customer care team and all they would say is that my account was locked. They would not provide any other details and were rude and not helpful at all. I left the store without making a purchase. 

A few days later, I called the XXXXXXXX XXXX on the back of XXXX XXXX XXXX card and that rep told me the account was locked due to the fact that I have not used my card in the last 24 months. That part is true, I believe the last activity on the card was in XX/XX/XXXX. However, Comenity NEVER notified me in any way, shape or form that this was happening. There was no warning saying that if i didn't use my card it would be deactivated nothing in writing, nothing in email, no phone calls, etc. I asked the rep what I can do to resolve the issue ( since I am ready to make a purchase ) and she said there is nothing I can do at this time. 

A few days later I emailed Comenity through my secure message option on the online portal. At first, they only replied with this " ... After looking at your account, your account is not authorized for purchases Unfortunately, we are unable to reinstate your account. Kindly use another form of payment to continue your transaction. Again, I apologize for the inconvenience and interruption to your shopping experience '' I was not satisified with that answer so I dug in more, asking what I need to do to reinstate the account. This was their response today : " ... Our records indicate there have been significant changes to your credit bureau report. Your card is not approved for use. Unfortunately, we are unable to reinstate your account. 

The account is not authorized for purchases and there isn't anything that can be done to change this. You may continue your transaction with another form of payment. '' So now they are saying there are changes to my credit and that is holding up the card. 


I have had this card since XX/XX/XXXX. I have always made my payments on time. Several times I have paid the balance off fully. I have made plenty of payments in interest to Comenity since XXXX. The fact that I am not getting a definitive answer on why the account is locked, and more importantly, what I need to do to get it unlocked, is extremely frustrating.I still have the sales receipt from my purchase that I would like to proceed with, but Comenity is not helping. 

What can I do?
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: NAVY FEDERAL CREDIT UNION (GA)

there is a loan from navy federal in the amount of XXXX dollars that has been charged off and a charge off is considered a certificate of indebtness which is considered income which is illegal and must be removed. this is being reported by XXXX. Also there is an auto loan that has been reporting transaction history which the law says is illegal to report transaction history.
Consumer complaint received 2024-08-03
Product: Credit reporting 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. (SC)

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on August 2, 2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a .consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate of unverified information. ( A ) In general, after any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete the item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-03-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: AMERICAN EXPRESS COMPANY (WI)

I researched a personal loan with American Express before applying. The way in which American Express charges interest and how much they charge was completely different than was disclosed to me before taking the loan. I have made multiple phone calls on multiple days with only stonewalling and additional incorrect information or inconsistent information resulting. Multiple supervisors, managers and customer service agents refused to transfer my call, disconnected the call or claimed they would call back but did not. One manager who called themselves " XXXX '' spent over 40 minutes on the line harassing me instead of transferring the call as requested. American Express continues to charge interest on the original balance of the loan despite all on time payments made that reduce the balance and interest. American Express customer service is utilized to keep borrowers in debt despite making payments on time in good faith. American Express personal loans are a scam.