davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-25
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. (NJ)

There are unauthorized inquiries reporting to my credit profile that are preventing me from opening new credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They are also reporting my name misspelled. They have it reported as XXXX XXXX XXXX and XXXX XXXX. My name is spelled XXXX XXXX XXXX.
Consumer complaint received 2023-10-31
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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
Consumer complaint received 2024-03-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. ()

This year Citi-Bank Officers called to push for payment. I asked them based on what basis I owe Citi-Bank . This first Officer XXXX told me that I am paying Citi-Bank a 5-year Loan which I took from them in XXXX. I am puzzled as this is already XXXX, a 5 year Loan would had expired by XXXX! Besides, I told XXXX that the Outstanding amount was {$29000.00} in XX/XX/XXXX but after my consistent payment ( around {$950.00} per month ) it increased to {$30000.00} in XX/XX/XXXX which is totally illogical. I wanted to know why with my consistent paying each ( I only missed a few times but had paid up more than double the following month ) month, after the 5 years, there is still so much outstanding and my recent payment since XX/XX/XXXX to XX/XX/XXXX caused the outstanding to increase instead of decrease. XXXX told me to hold the due payment and he will take note and notify the department concerned to get back to me. 

After more than 2 weeks another Officer, XXXX called to chase for payment. I had to repeat what I had conveyed to XXXX. XXXX also told me to hold payment that he will notify the concerned department to clarify these with me. As in the earlier case, nobody contacted me. 

A few weeks later another Officer, XXXX called up to chase for payment. I had to repeat what I had spoken to both XXXX and XXXX. XXXX also agree that I hold back the due payment and promise me that she will get the Staff of the concerned Department to call and clarify these issues with me. As unobody called me! 

When I received the latest letter from Citi-Bank , I decided to go down to their XXXX XXXX XXXX to settle this issue with a Officer XXXX XXXX XXXX I told her about my bad experience with the last 3 Citi-Banks Officers. Despite producing my Identity Card, XXXX insisted that I must produce my Citi SMRT Platinum Card Number XXXX XXXX XXXX XXXX, she can not print out the past transaction record. As I do not have this Visa Card and the Password, suggested that I request for a replacement Visa Card so that she can print out all the past transactions. 

She assured me that it is a very fast process and only takes 3 days. The replacement XXXX XXXX XXXX XXXX XXXX comes about 5 days later. I then realized that there is another issue. After waiting for more than a week, I still did not receive the mailed letter with the Password. 

I then realized that actually these are delay tactics. I was told that actually after verifying my Identity, they can go ahead to print the past transactions. 

I needed an Authority to push Citi-Bank to print out the past 5-Year transactions and make it clear what went wrong! I am keen to clear these outstanding issues but Citi-Bank is only interested in charging high interest and dis-regard whatever went wrong! 
I have no other recourse but to seek your help in helping me to resolve these issues!
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (AZ)

I had a flooding in my home and Arizona Department of XXXX  helped me pay 4 of my mortgage payments, from XXXX, those checks were received from us bank on the 1st week of XX/XX/2023. I called multiple times to ask why they hasnt posted checks and they said there system was delaying those checks. Not just my checks but most of theres customers checks. I asked us bank if they are taken so long to post will this impact my credit. Us bank stated even if they checks post after the end of month. In XX/XX/2023, us bank will correct my credit score / credit reporting. They lied to me. My credit has been impacted for month of XXXX. They post the checks to late and never credit my credit reports. I had called many many times to make sure my credit would be okay. Us bank said every time that they would correct everything. To this day I have called them and they deny to correct anything. This is unfair. It has really really impacted my credit went from XXXX plus credit score, I worked hard for that and it thanks to us bank now its about XXXX some points. This is frustrating I am crying how upset I am. Not counting all the late fees as well!
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DC)

In accordance with 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. 

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 has violated my rights. Or a list of inquiries : 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2023-09-25
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 regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations.According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly.I am willing to grant you one final opportunity to process my request concerning my identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-12
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: EQUIFAX, INC. (PA)

I don't understand why it took XXXX and Equifax so long to investigate and applied the necessary solution to these accounts. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX have them deleted back in XX/XX/2023. Confirmed that these accounts were incorrectly and inaccurately reported.

As a consumer, I understand that under the FCRA law, they have clearly emphasized that Consumer Reporting Agencies should have an automated system in place for furnishers of the information to communicate the inaccurate and incomplete information with other consumer reporting agencies ESPECIALLY if the accounts are reporting the same information. 

Moreover, FCRA also stated that once a furnisher deems an account to be inaccurate or incomplete they must relay/communicate the information with all consumer reporting agencies that they are furnishing the information to. 

It's very upsetting that XXXX and Equifax are not taking this law seriously and are not doing their due diligence of practicing fair and impartial resolution.
Consumer complaint received 2024-04-19
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. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation. 
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 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.
Consumer complaint received 2024-01-13
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. (LA)

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included in the screenshot inside this complaint in on dates of [ XX/XX/2023 ]. Please investigate and provide proof of with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks please see screenshot attached :
Consumer complaint received 2024-03-30
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. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-01-13
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 appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$860.00} ; XXXX XXXX
Consumer complaint received 2018-12-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (NM)

I had one cash advance 15 years ago ( so long ago that they can not tell how much it was for. ) Since, they have applied ALL of my purchases in 15 years toward the higher interest rate ( as a cash advance at 25.99 % rather than the purchase interest at 18.99 %. ) I contend that Discover Card has overcharged me for interest for 15 years.

I have tried on multiple occasions to resolve this with the company. I have watched every purchase since be placed under the 'cash advance ' higher rate.

They can not help, and their description of how they are conducting their process seem deceptive at best.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2024-02-09
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC (CA)

I took Westlake financial services to arbitration, the arbitration was for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as per the arbitration clause the company was supposed to pay for arbitration they decided not to show up for arbitration my affidavit of Truth went unrebutted my default letter went unrebutted as per the law in unrebutted affidavit of truth becomes a judgment because of this I filed a XXXX against this company with the secretary of state, now this company is suing me for defamation because I filed a XXXX against them because they claim I didn't have a judgment but as per the law my judgment is my affidavit of Truth. I would like for this company to be reprimanded for this egregious act that they're trying to bestow upon me.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (GA)

Had Federal Student Loans that use to be with " XXXX '' servicing. Since thediscontuation with " XXXX '', the Department of Education has moved my loanover to " XXXX XXXX ''. Received notification on XXXX XXXX that myborrower defense cases were approved for discharge. Was informed via phone from '' XXXX XXXX '' that it would be up to 180 days for the full discharge to becompleted. This would have put the date at XX/XX/2023 for a completion date.Today is nearly 2 months past the date. Have sent countless emails to " XXXX '' along with the Department of Education, asking for when the discharge willbe completed along with appropriated refund amount. However each one XXXX Department of Education and XXXX XXXX ) are pointing at each other of whois suppose to complete the discharge.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Consumer complaint received 2023-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (GA)

Had Federal Student Loans that use to be with " XXXX  '' servicing. Since the discontuation with " XXXX '', the Department of Education has moved my loan over to " Edfinancial Services ''. Received notification on XXXX XXXX that my borrower defense cases were approved for discharge. Was informed via phone from " Edfinancial Services '' that it would be up to 180 days for the full discharge to be completed. This would have put the date at XX/XX/2023 for a completion date. Today is nearly XXXX  months past the date. Have sent countless emails to " Edfinancial Services '' along with the Department of Education, asking for when the discharge will be completed along with appropriated refund amount. However each one XXXX Department of Education and Edfinancial Services ) are pointing at each other of who is suppose to complete the discharge.
Consumer complaint received 2023-09-21
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. (PA)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-09-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

Nothing happened. I was trying to buy gas when my card did not work. Waited next day Sunday still card said declined. I have {$53000.00} in the account. I made one {$8000.00} deposit from a check given me from the buying agent of sale of XXXX XXXX XXXX XXXX CA XXXX. When I asked Chase what the problem was no information was given, no answers to my money, I was hung up on 3 times. I have the calls recorded. First call was 31 minutes, 2nd 23 minutes and 3rd 41. This money is all I have. We sold our home and were leaving for Washington but now Im completely out of money were homeless and Chase could care less. I want nothing to do with this bank. There tactics are shady at best. Its a company full of people who do the wrong thing just for the sake of. The only thing I can think of is the check I deposited lady XXXX. It didnt clear. One time in 15 years. XXXX Vet that was told by military that Chase cares for us soldiers. That couldnt be further from the truth. Im angry because the 4 of us are sleeping in my XXXX. I have money that Chase wont give to me. I am so angry and distraught about this. Seeing my girls be hungry and being a XXXX then working for the XXXX, XXXX and XXXX for the last 20 years then having an American company just destroy my family over night does not sit well with me. If you need polygraph results as to the truths above I can schedule one. Please make them give me my money back fast. I want to take them to court and probably will. Over the years Ive lost money banking with them. They need something drastic to happen to them
Consumer complaint received 2023-10-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc. (NY)

Charges totaling over {$3000.00} were made by a minor without authorization. We received no notification from the bank although this was not representative of our spending habits. We called the bank and were turned away. We were told there is nothing they can do and we must reach out to the vendor to resolve. The other option they gave us was to prosecute our child. We tried to arrange a refund through Google, but were denied. 

The line item for each charge was : XXXX Google XXXX XXXX XXXX