davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information
Consumer complaint received 2023-04-11
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I originally submitted a claim through the CFPB for the same purpose. In the response call, the Bank associate who handled my case did not adequately address my concerns. She only discussed the denial of a credit limit increase. I am concerned, however, that the way that the credit card application was presented to me was misleading. It was shown that I would have an opportunity to transfer a balance to this card for a certain period of time and that the balance transferred would be subject to 0 % APR financing. During the application, there was a question which asked me what amount I would like to transfer, and I indicated that I wanted to move about {$10000.00} to this card. After about 45 seconds, I received a decision from the online portal that the card was approved with a credit limit of {$500.00}. Now, I have a card that I didn't really want in the first place to which I can't even transfer my balance from another card ( as suggested in the advertising ). I am arguing that the language used in the advertised offer was intentionally deceptive and was used to coerce me into opening the card.
Consumer complaint received 2023-12-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Good Morning, I have had account with PenFed Credit Union for quite some time. I opened a personal loan with PenFed in XX/XX/XXXX  for {$20000.00}. The outstanding balance is {$17000.00}. Since the beginning of this loan, I have made payments on the loan from my primary checking account ( XXXX XXXX ). Within their system, there has always been an option to click " Make a Payment '' then select the external account that you would like to use to make the payment. I have a credit card and two loan accounts with PenFed. The pay from my XXXX XXXX account option still remains there for my Credit Card. However, when I attempt to pay ( either from the app, or by logging into the website ) the option is no longer there. It does say to add an external account. So I go through the steps to add an external account, and at the end, it says that the account is already connect. However, it doesn't appear, or let me use it to pay. 
When I called in the first time, they advised there was an issue and they would enter a ticket for it. Today I called in and told them I still am unable to pay. The representative offered to process a payment over the phone. I agreed and the payment was processed. However, I told her that I do not want any late fees or negative reporting because your system would not allow me to pay. She laughed and said no you will still get the fees and negative reporting. 
There is a level of responsibility that a lending institution must have, when it comes to the products that they offer. If I called in and advised them of the program, that they refuse to fix it, that is a level of dissatisfaction that I am not happy with. 
I am not trying to not pay a loan at all, remember I am the one that called in today. I just do not think it is fair to receive any penalty or adverse reporting when their system is broken and will not allow me to pay.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2023-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solar Mosaic LLC (CA)

On XX/XX/XXXX, I entered a home improvement contract with XXXX XXXX XXXX. Subsequently, I applied for a {$90000.00} home improvement loan with Solar Mosaic LLC, which partners with XXXX as the lender. After my loan was approved by XXXX, the entire amount of {$90000.00} was distributed to Mosaic with the intention of transferring the funds to XXXX XXXX XXXX within four months, as per stage funding process. 

However, despite the funds being released to XXXX by Mosaic or XXXX, no construction stages have been completed, and the project remains unfinished. I have made numerous attempts to contact XXXX XXXX XXXX, including phone calls, text messages, and emails. Unfortunately, they have been unresponsive and unable to provide any explanation for the delay or lack of progress on my construction project. 

To address this matter, I filed a complaint with the CSLB ( California XXXX XXXX XXXX ), who is currently investigating XXXX XXXX XXXX, It has come to my attention that their license expired on XX/XX/XXXX, further raising concerns about their credibility and ability to complete the project. 

Despite my efforts, I find myself in debt for a construction project that remains unfinished, and it appears that neither Mosaic nor XXXX are taking appropriate action of helping me. They continue to defend XXXX XXXX XXXX, which only exacerbates my frustration and financial burden. I would like my loan to be reconsidered, cancel or be negotiate it as this is unfair, unprofessional, and unethical. I dont know if its any type of fraud or people/Mosaic/XXXX are taking advantage of me and other folks. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-14
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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (LA)

Around the time that I turned XXXX XXXX XXXX on XX/XX/2020, my XXXX  sibling XXXX XXXX obtained my social security card and was able to rent out three apartments to strangers. I was never aware of the situation until I tried to get my first apartment just to be told that I've had three previous evictions on my credit. if you pay attention to the time frame there's absolutely no way an XXXX woman should be able to afford three aprtment complexes. They've never seen my face nor my legitimate information so I'm confused as to how this went on for so long and they were unaware, or maybe they simply just didn't care. I need this removed from my credit because it has been hindering me from flourishing in my life and I'm now XXXX  years of age.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

Citibank says that they presented to my bank XXXX a bill pay in XXXX of 2023 which I have been set up with for over 4 years and everything was always paid. Then for some reason citi says XXXX returned the payment request for XXXX on XX/XX/2023 then online said the payment was returned due to acct frozen. So I contacted my XXXX  banker and they said absolutely not that the account was never frozen and there was plenty of money in acct and when they researched it it shows Citi never even presented it for payment then I spoke with citi and got the run around and requested a manager and never got to speak to manager just got put on hold for over an hour
Consumer complaint received 2023-12-14
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. (MO)

Principals rights were violated by XXXX XXXX XXXX in conjunction with Equifax, XXXX, XXXX per 15 USC 6803 Disclosure of institution privacy policy, also 15 USC 6803 Obligations with respect to disclosures of Personal Information, and 15 USC 6801 Protection of no public personal information in regards of principals right to privacy. Information was previously removed and This erroneous tortuous act took effect and replaced on consumer report on XX/XX/2023 for amount {$720.00}.
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (NY)

I hope this letter finds you well. I am writing to address a concern regarding the information on my credit report. After reviewing my credit report, I noticed that there are late payments listed on my account, and I would like to request either their removal or correction. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of late payments on my credit report. I have attached supporting documentation, including bank statements and payment records, to illustrate that these late payments are not accurate. 

COMENITYCB/MYPLACERWDS XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or COMENITYCB/MYPLACERWDS customer service I kindly request that you investigate this matter and, if appropriate, remove or correct the late payments from my credit report. I am committed to maintaining a positive credit history, and the accurate representation of my financial status is crucial for my financial well-being. 

Thank you for your time and assistance in rectifying this matter. I am confident that we can work together to ensure the accuracy of my credit report.
Consumer complaint received 2023-12-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NJ)

I purchased the vehicle from Hyundai Motors Finance back in XX/XX/. I was told the tile was sent but i never received it. Ive call numerous times ( lost count ) and spoke to many different people. ive told them that i need a limit power of attorney to switch the title into my name so that i could register the vehicle and ive got nothing in response im told i have to wait 24-48 hours for someone to contact me then when one one contacts me i call back and i am told i have to wait 3-5 days and still nothing. this is ridiculous i paid over XXXX for this car to not be able to drive it because its not registered
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (LA)

Per The FCRA as a Federally Protected Consumer, I am Opting Out of any and all Authorizations that I The Consumer may have given you written, unwritten, or verbal, and non-verbal. The law says it is Illegal to report XXXX history. 
Per 15 USC 6801-6805, PER 16CFR313, Per the Privacy Act 1974
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: InDebted Corporation (IL)

A company called Indebted has been. Emailing me in attempts to collect a debt. I repeatedly asked them to stop emailing me and contact me at the address that they have on fileas well as send a debt validation.. They responded that they can't do that and continues to email me.
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (CA)

I have been waiting since XXXX for Dispute XXXX to be resolved and on XX/XX/2023 XXXX responded to the chargeback request and money was returned to Chime but wasnt made available to me. When inquiring about the missing funds for the approved transactions thats had be charged back and the documentation for Dispute XXXX that they reopened and closed again on XX/XX/2023 after I sent further documentation showing I couldnt have made the charges they closed my account with no explanation and didnt provide any of the requested documents.
Consumer complaint received 2021-01-17
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: AES/PHEAA (TX)

Recently in doing some research on my consumer credit file I learned that the student loans in my name that are being serviced by Fed Loan Servicing. I learned that the loans are for a school by the name of XXXX XXXX XXXX. I never signed an enrollment agreement with XXXX XXXX XXXX nor did I ever sign or agree to become a former student of XXXX XXXX. This seems like fraud to me. I do not wish to be associated with XXXX XXXX  and I never agreed to it. I do not understand how this is possible and how this legally has taken place. I do not understand why there are student loans listed under XXXX XXXX in my name. I never agreed to this. I am requesting XXXX XXXX XXXX to provide information stating that I agreed to be associated as a former or current student with this school. Before today I had no knowledge of any of this. I am requesting documentation with signatures that Fed Loan Servicing has the right to pursue loan payment from me for the school XXXX XXXX XXXX. I do not wish to be affiliated with XXXX XXXX XXXX. I never agreed to any enrollment or loans with XXXX XXXX. Therefore Fed Loan Servicing must substantiate seeking loans associated with XXXX from me.
Consumer complaint received 2023-11-29
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: Experian Information Solutions Inc. (GA)

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX  XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXXXXXX XXXX  XXXX XXXX Account NameXXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. The personal data reporting is inaccurate. 

XXXX, XXXX, XXXX  The following personal information is incorrect. The personal data reporting is inaccurate.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (NJ)

I have a Mastercard XXXX XXXX XXXX  credit card for several years and always have paid the monthly balance in full. Recently, I agreed to transfer {$6500.00} to their 0 % promotional line of credit at a {$260.00} fee and I continued to use this card for other purchases. In XXXX, my credit card statement showed an interest charge on new purchases. I called to tell Mastercard that I paid in full all new purchases as I have done for several months. They initially say there's interest charge because of new purchases are accuring interest at time of posting the charge which never happened in the past ( but they ignore that fact ). When I speak with the supervisor, they say the interest charge is due to not paying 2 consecutive months payments in full up to that date of payment. So now I'm told in order to avoid a monthly interest charge on new purchases, I have to pay my monthly new purchases balance listed on my credit card statement as I always do PLUS I have to call them to get my current balance of new purchases as of today and include that amount on my payment. If I pay that total balance two months consecutively, then they will not continue to charge a monthly interest charge on my non-promo balance. I've called 3 months in a row to get this resolved. I even spoke with a supervisor and said if I pay x this month, then next month you will not charge interest, she said yes but I was still charged interest the next billing cycle. I'm frustrated with this operation and have only experienced this issue after signing onto the 0 % promotional interest rate. Although, I look closely at my monthly expenses, I'm concerned if other people who have the promotional rate are being charged this new purchases monthly interest and not noticing plus I'd like to avoid making this monthly call.
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (GA)

I want to inform the Credit Bureaus AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$7800.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; 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 XXXXT XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (TX)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2021 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$1700.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$490.00}
Consumer complaint received 2023-04-12
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. (FL)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2024-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Consumer complaint received 2020-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  and Transunion should not be reporting that I am ( 120 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (NY)

I DO NOT RECALL OR RECOGNIZE ANY OF THESES HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX