davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NV)

I was called by the credit card issuer ( Citi Bank ) for payment of late fees and interest yet was never provided with a statement of charges and amount due. I requested this three times from the issuer over a period of two weeks without receipt of a mailed statement. Meanwhile, US mail was received daily at the address on file with the credit card issuer. 

I also attempted to log in to my account online to review statements and was not able to login due to continuous technical issues on the company 's website. After hours of time over numerous phone calls with the company 's phone support staff no one was able to resolve providing access to view my account and statements online. 

I was promised by phone staff that I would receive statements in the mail by certain dates which have been passed and no statements have yet to be received. 

It is unfair for me to charged interest and late fees as well as negative credit ratings by Citi for statements that they have never been able to provide via the internet or US Mail or any other means that I have requested, including via electronic mail.
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

in accordance with the fair credit reporting act XXXX  account # XXXX, has violated my right. 

15 U.S.C 1681 section 602 A states i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

FOLLOW UP. I FILED A COMPLAINT 30 DAYS AGO STILL NO RESULT. THIS IS UNDER FEDERAL LAW, 
YOU HAVE 30 DAYS TO COMPLETE YOUR INVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS. 

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Consumer complaint received 2023-11-13
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. (CA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-04-15
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)

Hard Inquiries that are on my credit report. I am trying to remove them as I did not authorize the companies to run my credit report with XXXX, TransUnion, and XXXX. I already file an FTC report.
Consumer complaint received 2023-08-04
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. (PA)

I did reach out to XXXX XXXX  for the mis-reporting and expressed to them that the late payment was due to their system being down and that that's caused the payment being submitted on the XXXX XXXX  XXXX ; they denied the request.
Consumer complaint received 2023-08-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION (CO)

On XX/XX/2023 I had a scheduled payment to Truist Bank from XXXX XXXX XXXX for {$900.00} for the XXXX mortgage payment that is serviced by Truist. 

On XX/XX/2023 XXXX XXXX called me asking for the payment. After staying on the phone the agent noted that Truist could not 'find a home ' for the payment and 'sent the money back ' to XXXX. XXXX  shows no record of the money being returned to them. I made an ADDITIONAL payment directly online with Truist for the required payment. 

On XX/XX/2023 I called Truist to see what the status was and the agent XXXX ( XXXX and XXXX ) gave me a different story saying that the money was no longer at Truist. I pulled in XXXX XXXX XXXX on the phone and they show no return of the payment. ( XXXX ) Ever since Truist took over the servicing from XXXX XXXX, problems have persisted. They call and show no concern for issues on their end. They always give a different story and don't care about solving it on their end. Only requiring me to make more payments, when I am trying to get the money I have already sent them accounted for.
Consumer complaint received 2023-11-13
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Is not mine ) XX/XX/XXXX XXXX XXXX  ( Is not mine ) XX/XX/XXXX XXXX  ( The date of my last payment is reporting incorrectly ) XX/XX/XXXX These information is incorrect .... 

XXXX XXXX XXXX XXXX XXXX. TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. NJ XXXX XXXX XXXX, XXXX. NJ XXXX
Consumer complaint received 2024-04-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My commitment to timely payments on this account has always been steadfast, preventing any instances of overdue payments. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be addressed.
Consumer complaint received 2024-04-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX I was a victim of identity theft, someone got hold to my information and put a car in my name from XXXX XXXX and Ive been trying to get this off my report since XXXX when I saw it
Consumer complaint received 2023-11-13
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (PA)

My student loans were forgiven in full and my balances reduced to {$0.00}. This occurred back in XX/XX/, and I received a letter advising of the forgiveness in full dated XX/XX/. The balances on my account page via Mohela.com reflect {$0.00}, as does the balance on the Department of Education website, however, my credit reports with all 3 major bureaus ( XXXX XXXX XXXX XXXX XXXX ) still shows the full remaining balance of over {$19000.00}. 
The letter informing of the forgiveness very clearly states " We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. ", however, this remains to be seen. Per the bureaus, Mohela has not reported the balances of these loans since XX/XX/, effectively over reporting my outstanding debt to any entities pulling my credit report, resulting in a higher debt-to-income ratio, limiting available mortgage and rate options, increasing the difficulty of acquiring a much needed new home for my family. 
It has been impossible to get in touch with Mohela by phone ( I have waited hours on the line to speak to a representative to no avail. ) While on the phone, their system constantly refers one to go on their website for assistance, however, I am unable to make requests online, only referred to their " contact us '' page " due to the status of your account. '' A secure message option is displayed on their website, however, I am prohibited from using it with no options presented to proceed or send an email. 
This is unacceptable from an entity that was reporting monthly while I had a balance to go dark for over 3 months once that balance was reduced to {$0.00}.
Consumer complaint received 2018-11-17
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: WAKEFIELD & ASSOCIATES, INC. (AZ)

These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with XXXX in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!
Consumer complaint received 2018-11-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

These accounts are being illegally reported on my credit report. On XX/XX/18, XX/XX/18, and XX/XX/18, I formally disputed it directly with Transunion in regards to their illegal reporting, and their response was, Updated- To follow up directly with the company On XX/XX/18, not only did I reach out all companies yet again with a letter in getting this issue resolved, I sent along an affidavit but I have not received any satisfactory reply. Therefore, I am now formally disputing directly with you in getting these fraudulent accounts remove immediately, please!
Consumer complaint received 2021-04-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I had 3 charges on the same morning from a website called XXXX, an online text book company. I chatted with a service representative from XXXX about the fraudulent charges and they told me to contact my bank. They didn't care if they were contributing to debit card fraud or not. I have made 4 calls to Chase Bank and every time I get someone on the phone they complain that they can't hear me and hang up on me. There is debit card fraud happening and no one is doing their job. No wonder hackers are winning thr battle.
Consumer complaint received 2023-11-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting. XXXX XXXX XXXX XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (ND)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (NY)

I deposit in the approx. month of XX/XX/year> a check from a XXXX XXXX XXXX account for {$6000.00} and it cleared after that XXXX XXXX decided that this check is fraud and they close his account, issuer of check says he never reported fraud on this check, and M & T bank claims that they returned the money to XXXX XXXXXXXX and XXXX XXXX claims that they never received this money, and then M & T closed my account because of this check when the issuer confirmed with them that its a good check
Consumer complaint received 2024-05-07
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions (TX)

My credit report reads that XXXX I owe a collection of XXXX from an apartment complex by the name of XXXX XXXX XXXX ( original creditor ), Rent Recovery Solutions ( current creditor ). This is inaccurate information that is being reported on my credit information.
Consumer complaint received 2019-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (MT)

Every credit bureau report shows a debt owing to JC Penney claiming an amount of {$160.00} past due. I had a JC Penney credit card issued in XX/XX/XXXX (? ) and cancelled it in XX/XX/XXXX (? ). supposedly, charges were incurred on the account in XX/XX/XXXX. Over the past 3 years I have sent letters to JC Penney and Synchrony bank requesting documents to verify these charges are mine. They have never sent documents of proof yet they continuing to show negative data on my credit bureau reports.I stopped shopping at JC Penney in XX/XX/XXXX.

I wish for this negative information be removed post haste so the bureau reports reflect no account with JC Penney.

I am buying a house and taking out a mortgage. This bad information reflects on my credit rating and the amount of interest I will be paying for a mortgage loan. 

Thank you.
Consumer complaint received 2024-04-15
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. This Account is in violation of 15 U.S. code 1681A ( 4 ) for consumer right to privacy.This bankruptcy shouldnt be on my credit/consumer report. 
XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Please remove it from my credit report. 




XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

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 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 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-14
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 — Was not notified of investigation status or results
Company: Kimball, Tirey & St. John LLP (CA)

On XX/XX/XXXX XXXX XXXX XXXX XXXX has a collection against me in the amount of {$5400.00}. 

On XX/XX/XXXX I disputed this with XXXX because this account does not belong to me. 

They never provided me with a physical copy of validation. 

Account information listed below Kimball, Tirey & St John XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX