davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Arivo Acceptance, LLC (KY)

I accepted a loan from this company through a dealership in XX/XX/2023. The tradeline was opened on my credit report the following month. Things seemed fine until I began looking for ways to boost my credit score in XXXX and noticed that this account had not been updated on my credit since XX/XX/2023 and while it reflected that the payments for those 3 months were on time, the balance had not changed. I contacted the company in XXXX and was told that they report every month. I questioned why my report did not show an update since XXXX and was told that I would need to send an email to their disputes department. I questioned why an email was needed for something they said they do automatically. In a later phone conversation, I was told that the prior representative should not have told me they report every 30 days because the XXXX XXXX department only had XXXX person and they were " working through a backlog ''. Again, they told me I would need to send an email to disputes and wait for them to get to it. In XXXX, I began looking to re-finance this loan due to the high interest rate. When I reviewed my account online for the balance, it reflected ( incorrectly ) that I was due for payment from XXXX, the account was 16 days past due, but the last payment made had been XXXX. When I questioned this, I was told " the App is having issues '' and the account was current and not due until XXXX. I was again told to send an email if I wanted my credit report updated. This company does not offer billing statements, and everything is done through the App, so if it is not correct, how can I manage my account properly? At this time, I again checked my credit report and found that not only was it not updated for this account since XXXX, it was now showing the account marked " closed '' but still full balance owed. I again questioned this with the company and was told to send an email. I refinanced the account with another lender for a better rate on XX/XX/XXXX and a payoff was mailed by the new lender to the physical address on the payoff letter on XX/XX/XXXX. As of XX/XX/XXXX, the App still reflected a balance and no payment since XXXX. I chatted with an agent and was told that the payment has not been received or applied and it could have been because the entire payment team had " been off for the holiday ''. I asked if the payment would be backdated since the payoff was only good through the XXXX. They said they could not answer that question. As of XX/XX/XXXX, the App still did not reflect my account paid off. I chatted with an agent who said the account was paid in full as of XX/XX/XXXX on their side and not sure why the App did not reflect that.
Consumer complaint received 2023-06-22
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: Experian Information Solutions Inc. (AL)

XXXX XXXX XXXX XXXX might have overseas accounts in my name or individual accounts in my name or in the name of XXXX XXXX an individual who has been caught for phishing before and XXXX XXXX XXXX internet as my neighbor at one point. He might have misused info of mine for his own banking use.
Consumer complaint received 2023-12-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (GA)

The complaint I have is : - I have not received bonus as promised- The bank does not provide anyway to talk to someone who can address my problems- I've spent hours of my time waiting on chat, phone, and for scheduled meetings where no one from the bank showed up. 
- I have now lost interest I could have received from the funds of about {$1600.00} Details : I opened an online checking account on XX/XX/XXXX. 
There was a {$1000.00} bonus for opening an account and funding with {$75000.00} I funded the account on XXXX I confirmed with a bank agent that I met all of the requirements for receiving the bonus and should receive it by XX/XX/XXXX On XX/XX/XXXX I was told that I had not received the bonus because the name on my account ( which was only First and Last name ) did not match the name on my tax filing, which included my middle name and XXXX. 

1st Issue - I requested the name change kit, but on XXXX, they sent me just another W9 and signature kit. 
I requested again the name change kit, and finally received on XX/XX/XXXX I submitted a name change document on XX/XX/XXXX 2nd Issue- I called many times between XXXX and XX/XX/XXXX to check status on this change, and they kept giving me some reason why it was delayed and told me to keep waiting On XX/XX/XXXX I got a notice in my online account that said I needed to submit additional name change docs, like a marriage certificate or other reason for the name change. Since this is just a correction, this didn't apply to me, so I started to try to talk to a human about my issue. 
3rd Issue - At this point I noticed that the automated phone line would no longer allow me to authenticate so I could not talk to a live agent, which cut me off from anyone that could help me I tried using the chat to escalate multiple times, until finally someone suggested I use the " Schedule an Appointment '' on the website 4th Issue- I scheduled an appointment 3 separate times/ days the week of XX/XX/XXXX. All 3 times no one from Citibank attended the scheduled meeting. 
I was given a branch contact info to try to call to talk to an agent, but the branch does not answer the phone and I get put back into the automated phone system that will not let me authenticate and talk to a person. 

So now I've wasted 6 months on trying to make this account work, I still haven't received my bonus, and I've lost more than {$1600.00} in potential interest that I could have made on my money. Citibank has no way for me to address my issue by talking to a human being, and has put up many roadblocks to keep me from contacting someone.
Consumer complaint received 2023-09-19
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: CL Holdings LLC (ME)

In XXXX of XXXX to go ontrip to XXXX, went to XXXX office to check if needed updates to my phone, they said I was all set, flying into XXXX XXXX I lost phone service for the entire trip. Returning home, I contacted them to complain about the matter, eventually I did talk to someone who claimed to be mgr of local office. He explained that I had been misinformed and they needed better training and he was sorry. I then cancelled my contract but they said I would still owe money, which I made clear I would not pay. they kept billing with added charges, I told them to sue instead they turned it over to collection agencies, eventually this Jefferson XXXX filed a claim of non payment which XXXX logged. For the years since I never heard anything back, maintaining an impeccable credit rating up to XXXX A couple of months ago purchased a new vehicle for my wife and things blew up with XXXX reporting to my credit union serious issue re : credit rating, damaging rating down to low 700s fortunately my dealer agreed to match original payments offer. XXXX has been less than helpful saying they are neutral while promoting new credit card offers to me constantly, strange dont you think? Please help me deal with this bogus event.
Consumer complaint received 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I have not been able to access my credit report via Equifax. I have requested several times that my credit report to be unlocked however it still shows to other consumer companies that they can not access my credit report and that it is frozen. I have sent the ID documents requested by Equifax to verify my identity and update my information, however it is still not been resolved. I have contacted Equifax via mail as well a phone contact. I have paid {$4.00} for a monitoring program and was over charged 3 additional times for the service and still no resolution.
Consumer complaint received 2024-03-27
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. (FL)

To Whom It May Concern, I am writing to submit a complaint regarding fraudulent accounts listed on my credit reports provided by TransUnion, XXXX, and XXXX. Over the past several months, I have discovered unauthorized accounts on my credit profile which I believe are the result of identity theft or fraud. 
I have repeatedly contacted [ TransUnion, XXXX, and XXXX ] from XX/XX/XXXX to XX/XX/XXXX to dispute these accounts and requested their immediate removal. Despite providing sufficient evidence and following the necessary procedures, I have either received no response or inadequate responses, and the fraudulent information remains on my credit report. 
The presence of these fraudulent accounts has severely impacted my credit score and has caused significant distress due to the potential for long-term financial harm. 
I am demanding that the following fraud accounts be removed from my credit profile without further delay : XXXX XXXX XXXXXXXX XXXX XXXX / XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding a collection account labeled " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to file a formal complaint regarding a collection account labeled " XXXX  XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress XXXX XXXX 

To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. 

The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress XXXX XXXX that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Consumer complaint received 2021-08-04
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: BARCLAYS BANK DELAWARE (FL)

A reservation was placed with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2021. The reservation was for XX/XX/2021. This reservation was placed by my daughter. The payment was affected through my Barclay, s Master Credit card. Later in XXXX, when I received my Barclay Credit card statement, Prior to XX/XX/XXXX. I did not recognize the amount So I called Barclay and asked them to put the charge in Dispute. They did so. Again, prior to the date of the reservation XX/XX/XXXX. My daughter came to me and reminded me of the reservation she placed with my consent with the Barclay credit card. So I turned around and prior to the Reservation date. I called XXXX and asked them if I could pay with another credit card. Since they did not want the Barclay Credit card. The said yes. So I paid with the XXXX XXXX card, on XX/XX/XXXX. They, XXXX accepted the transaction and my family was able to attend the reservation. I called Barclay and asked them to cancel the transaction with ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
They indicated, with a letter that they would close the transaction but they actually did not. They first sent me a letter, on XX/XX/XXXX, indicating that the transaction was closed. I thought that was the end of it but it was not to be, On XX/XX/XXXX I received another letter saying that XXXX submitted documents to Barclay indicating that the monies was owed to ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ). So Barclay, after making their investigation concluded that, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ), should be paid. This is without contacting me before the payment was made out of my account. 
I previously had paid, ( XXXX, ( XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX though XXXX XXXX. I called Barclay and asked them to retrieve the payment a credit my account. Barclay refused!
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the XXXX this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to express my frustration with the dispute process concerning an items on my credit report and to formally dispute these fraudulent information. Despite my diligent efforts to provide valid documentation, including the required FTC report, it appears that my message is not being properly received by your bureau. Let me be clear : I am personally initiating these disputes under my name. It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent accounts, you are not fulfilling this obligation and are exposing me to further harm. 

I am requesting your assistance in correcting my credit file, which is essential to my financial well-being and overall quality of life. I demand that you take immediate action to resolve this matter, and I expect to receive written confirmation of any updates made to my credit report. 

The items in question is unfamiliar to me, and the documents I have submitted are authentic and registered with the appropriate agencies, corroborating my stance. I insist that this record be rectified. Enclosed is the items that are unfamiliar to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TN)

We paid this credit card in full months ago and NEVER used this account AGAIN... the card was stolen, when I noticed it missing, I reported the card stolen and made them aware of the issue and that if any charges occur they will be from theft! They replaced the card, we NEVER activated either new card! And then non stop charges started within a short time and I reported ALL the fraudulent charges! I filled out the forms 2x, written them 3x, and called fraud dept several times disputing ALL charges cause we NEVER used cards after we paid off account! We actually requested account to be closed after it was paid off! Why it wasn't we don't know! We are not paying for fraudulent charges on this account and want it removed from the credit report immediately! This is XXXX XXXX mistake and over sight, so they need to correct their mistake!!!
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXX  {$200.00} XX/XX/XXXX XXXXXXXX XXXX  {$560.00} XX/XX/XXXXXXXX XXXX XXXX XXXX460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX Auto XXXX XXXX  ( Bank ) XXXX XXXX XXXX Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Auto ) XXXX XXXX  XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I would like all of these illegal items removed off my credit report asap. These were illegally obtained in my name and I would like this removed off all three of my reports ASAP! 

XXXXXXXX XXXX {$200.00} XX/XX/XXXX XXXXXXXX XXXX  {$560.00} XX/XX/XXXX XXXX XXXX {$460.00} Date opened XXXX XXXX XXXX XXXX {$2100.00} Date opened XXXX XXXXXXXX XXXX XXXX XXXX {$1500.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ****Inquiries***** Please remove all these illegal inquiries off my report. 

XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX Auto ) XXXX XXXX  Bank ) XXXX XXXX XXXX  Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Auto ) XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX  Finance ) XXXX XXXX, XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (IL)

I filed disputes with experian for inaccurate reporting for this accounts : Dispute # XXXX Dispute # XXXX Dispute # XXXX Also, they have my birth year in XXXX. I disputed it because my birth year is XXXX. And I request that anything credit wise associated with that year is also deleted. 

I requested method of verification under FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). For all listed accounts.

I also requested the records used to support the disputed item, under the FACT Act.

I received nothing, and its been over 15 days as required by law. 


I was told by XXXX in the Dispute department today. That they are not required to provide a method of verification to me. And that it has to come from the reporting agency. I was told that the investigation team contacts the reporter. 


I requested the employee that the investigator talked to, documents sent, address, and the dates sent from the reporter. She said she doesnt have any information but a phone number. 

I requested instructions on how to obtain the phone call. And was told only an attorney can request it. 


The method of verification requests has superseded the legal deadline. And I ask for full deletions. 


This is willful non compliance under willful non-compliance under FCRA, Section 616.
Consumer complaint received 2023-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

We paid this credit card in full months ago and NEVER used this account AGAIN... the card was stolen, when I noticed it missing, I reported the card stolen and made them aware of the issue and that if any charges occur they will be from theft! They replaced the card, we NEVER activated either new card! And then non stop charges started within a short time and I reported ALL the fraudulent charges! I filled out the forms 2x, written them 3x, and called fraud dept several times disputing ALL charges cause we NEVER used cards after we paid off account! We actually requested account to be closed after it was paid off! Why it wasn't we don't know! We are not paying for fraudulent charges on this account and want it removed from the credit report immediately! This is XXXX XXXX mistake and over sight, so they need to correct their mistake!!!
Consumer complaint received 2024-03-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (CA)

in XXXX I lost my double cash Citibank MasterCard.and fraudulent charges appeared in my account, I reported to Citibank, but Citibank ignored my complaint and didn't help me with this fraudulent charges so I decided to close this account with them, now an other collection company appears in my credit report, trying to collect the money from Citibank, with the wrong information in this account claiming that they own this debt and treating me, with agresive phone calls, late a night or early mornings treating to sue me for a debt that was owed by XXXX XXXX XXXX XXXXXXXX, is the name of this collection agency according to the information planted in my credit report by them, this account was opened in XXXX, when I have proof that this debt is from XXXX from Citibank