davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX XXXX Account XXXX XXXX has violated my rights. 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 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

A XXXX account in my name that I closed in XXXX went delinquent in XXXX for unpaid cancellation fees. I learned about it when I checked my credit reports in XX/XX/XXXX and saw XXXX XXXX was reporting to the 3 credit reporting agencies an amount as delinquent and owed to XXXX. I had never received any correspondence from XXXX. I called them and was told that I could settle the collection by paying the past due XXXX amount in full to them - not XXXX. I paid the amount due immediately to XXXX XXXX in XX/XX/XXXX. A month later, the account was not showing as paid and closed on the 3 reporting agencies so I filed disputes with the 3 agencies. The account was corrected showing paid and closed with the credit agencies but the reports show an " opening date '' on XXXX and Experian for this delinquency as XX/XX/XXXX re-dating it by 4 years. I contacted XXXX again and asked them to correct the date of delinquency to show the original XXXX date or remove the " opening date '' of XX/XX/XXXX but they refused. I disputed the date issue with the 3 credit reporting agencies. XXXX corrected the inaccuracy by removing the item completely. Experian and XXXX responded that the incorrect information had been verified as correct by XXXX. XXXX XXXX states that they are reporting the date that they were given or " bought '' the account from XXXX. I contacted XXXX on XX/XX/XXXX and asked them to correct the date to the original date of delinquency or to ask XXXX to remove the information entirely because it is inaccurate. XXXX  responded on XX/XX/XXXX that they are not able to do that because they are not the company reporting the information even though it was originally a XXXX debt from XXXX. The incorrect re-dating of the delinquency showing as " opening date XX/XX/XXXX '' is causing my credit scores to decrease significantly due to the XXXX and Experian reports showing that the delinquency is " a recent '' delinquent account. Experian and XXXX have stated that I can not dispute the item again. By XXXX reporting an " opening date '' of XX/XX/XXXX and not the original date of delinquency of XXXX with the original creditor, XXXX, I am being harmed by not being able to get a mortgage because my mortgage FICO as well as the other FICO scores are based on this incorrect date/information.
Consumer complaint received 2023-03-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIRST CITIZENS BANCSHARES, INC. (CT)

I saw a 4percent rate advertised by CIT bank so I opened a acount and transferred XXXX to the acount a week later I could not access the acount I called CIT and they said the account was closed and they would return the money back to the funding institution. They refused to say why kept saying I will get a letter which never came. The acount was opened on XX/XX/2023 and was funded the next day. Called again on the XXXX and they said it takes 30 days to refund the account. I explained I never got my money or a letter explaining what happened. They would not tell me. I then filled a complain with the fdic which apparently they turned over to you
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-04-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

have reached out too these companies back in XX/XX/2021, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ( in regards too these inquiries on my credit report I have called an they have not been able too provide me with a explanation as too why they are on my credit report so under FCRA 611 ( a ) ( 7 ) I would like for these companies submit verification of signature where I gave them permission to run my credit. I would like for under FCRA 611 ( a ) ( 7 ) the companies submit documents of signature or my permission for them too run my credit if companies can not provide documentation I would like them too remove the inquiries off my report please and thank you.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (SC)

I purchased a Netspend reloadable prepaid card XXXXXXXX  and attempted to register it and the representatives are giving me the run around and refusing to refund my money because they say my ssn is linked to a closed fraudulent account which I have no access to. They refuse to escalate to a higher level of customer service to resolve it or they flat out stop talking and refuse to hang up so they don't violate company policy. I will file a lawsuit if needed. This was my child XXXX birthday money I loaded onto a card so she can spend when she goes off without me. It's a sizable amount and is XXXX
Consumer complaint received 2023-04-24
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: Resurgent Capital Services L.P. (NH)

Disputed debt. Requested validation, providing 45 days to do so, company failed. 
Failed to update or remove said debt from all three credit bureaus. 
Credit bureaus have not removed Violating laws and rights Failed to investigate debt.
Consumer complaint received 2023-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

Their Investigation took more than ( 30 ) days and I wasn't sent a letter to notice about it until Consumer Financial Protection sent me an email. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX Date : XX/XX/XXXX Dear TransUnion, I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by, The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentially Under 15 USC 1681. Per Consumer Financial Protection stated you did investigation XX/XX/XXXX please give me information on how you conduct the investigation and what procedures you took to on this matter. After taking with the local police department here in Washington XXXX DC and family, friends, neighbors, etc. They never received any interview or notices about the investigation on this matter. 
Account Name : XXXX XXXX XXXX Account Number : XXXX  Balance : Closed Balance : {$8500.00} reporting Repossession on my credit report for XX/XX/XXXX thru XX/XX/XXXX. No documentation of a balance or notices from TransUnion or XXXX XXXX XXXX 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

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 an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.

15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}. 

Thanks, XXXX XXXX XXXX XXXX this account immediately, unless you want to be held {$1000.00} per violation, per year with wrong data reporting information. This account has cause me and my family 27 % percent interest on car loan with damages as well. 

CC : XXXX XXXX XXXX Attorney General of Washington , DC 20003 Consumer Financial Protection Bureau XXXX XXXX Attorney for XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BTH Management (SC)

Plaza Services LLC Reference Number: XXXX 

The Fair Credit Reporting Act (FCRA, Title 15 U.S.C.  1681 et. seq.) prohibits anyone to view a consumer report absent a 'permissible purpose' (see specifically  1681s-3(b)).

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 cannot furnish a account without my permission.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP (IL)

I opened a US Bank Checking account on XX/XX/XXXX, and signed up for a promotional bonus advertised by US Bank. The terms of the bonus ( which I have attached ) state that when the following requirements are met, I will receive a {$400.00} bonus. I met all the requirements ( as proven in the attached document detailing my transactions ), but have still not received the bonus : -Enroll in online banking - OK -Deposit at least $ XXXX within 30 days - OK -Make 5 transactions within 60 days ( debit, XXXX, checks ) - OK -Keep $ XXXX for 60 days ( until XX/XX/XXXX ) - OK -Get bonus within 45 days ( by XX/XX/XXXX ) - Still waiting I called shortly after opening the account and was told I successfully enrolled in the bonus. 

After the 60 days were met, I called again and was told that I should receive the bonus soon. 

I then called again XX/XX/XXXX, and received a call back on XX/XX/XXXX, and was told that I indeed met all the requirements, but that I won't receive the bonus until at least the end of May, which is another 5 weeks from today. 

Per the terms, the bonus was promised by no later than 105 days, which for me is XX/XX/XXXX. 

I am now filing this complaint because I have no faith that US Bank will honor the terms it laid out in the agreement. 

Thank you.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NC)

The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2023-04-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (CO)

XX/XX/XXXX Deposit Disposition {$630.00} XX/XX/XXXX Email & Payment {$230.00} From : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX Subject : Re : Final Account Statement/Balance Due! # XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX To Whom it may concern, I just paid {$230.00} online out of the {$630.00} from the XXXX XXXX XXXX XXXX I will not be paying for the {$400.00} vinyl damage that the maintenance man caused by dragging a new refrigerator in the kitchen that was witnessed by two people on move in day XXXX. The witnesses offered to help the maintenance man with the refrigerator but he refused the help which led to him dragging the refrigerator in the kitchen causing the scrape marks on the vinyl floor which matches up with refrigerator wheels on bottom. after placing the refrigerator, the witnesses noticed the scrape marks on the kitchen vinyl floor which were caused by the maintenance man, he said not to worry about it. I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that can't physically move a refrigerator by myself. I will not be paying for damages I did not cause. I have been a very good tenant, I have done everything by the book, never paid rent late, stayed an extra 3 months and paid for an additional month for replacement tenants to leave my lease early. I left the apartment in better shape than what we had on move in day. This apartment was originally rented for my mother XXXX who is XXXX of stage XXXX XXXX XXXX. Part of the reason why we had to leave the lease early was because the apartment was not safe for her. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you have any questions or concerns regarding these matters, please do not hesitate to contact me. 

Thank You, XXXX XXXX XX/XX/XXXX XXXX XXXX, call to Manager. Wanted to pay {$400.00} of balance, but manager couldn't find documentation and wouldn't accept {$400.00} for remainder balance and had no record of payment and was trying to reach the previous management company. 

XX/XX/XXXX Collections Letter National Credit Systems , Inc. {$630.00} XX/XX/XXXX We contacted both XXXX XXXX  and XXXX  , Inc. to resolve this. XXXX XXXX  didn't have the previous management company 's documentation and wouldn't accept documentation and or hung up the phone on us. Same with XXXX  XXXX XXXX
Consumer complaint received 2018-10-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

This company has been incorectly reporting my payment history, I have never been late to this company by any means. This company is not metro 2 compliant which is causing me serious stress in my life. I would like for this company to bring my account to current status for each month they have reported me late.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IA)

I filed a complaint against them last month. They are refusing to take a payment from me now making me more behind and now put it on my credit making it seriously drop. I am about to get a lawyer. They are doing thing illegally and when you refuse payment in the state of iowa you just voided the whole loan.
Consumer complaint received 2024-03-22
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. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2023-04-24
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC. (VA)

I have repeatedly ask Navient to stop calling me because I do not owe this debt and am currently filing litigation. They continue to call me 2-3 times a day everyday even after sending this to collections. They have also called my Mother, sister, son, and former employer. In all of those instances they have stated they are calling for XXXX XXXX in regards to a debt. I know for a fact they are not allowed to mention a debt. They have also left messages with my mother asking her to call them back, and called her more than once. I also know this is illegal. Something needs to be done. They continue to harass me several times a day. I emailed them and told them to not call and they continue. I told them I have obtained a lawyer and it will be settled in court, yet they continue to call. The last woman called today XX/XX/24 and told me I was a liar and do not have a lawyer because I refused to give her information. I should not have to be called a liar on my own phone. I am following my lawyer 's advice and she tried to convince me I needed to do what she said. She basically told me I shouldn't listen to my lawyer.
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (GA)

I am making writing this with proof that on my credit report I should be notified about anything added to my credit report I have looked and went back to dates on my phone and found no contact from them need less to say they did the exact opposite that is in black and white on my Experian app there for all of the inquiries are to be removed they did not contact me by phone as noted and or email I would like them removed ASAP thank you
Consumer complaint received 2023-09-21
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. (FL)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-24
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: EQUIFAX, INC. (TX)

Equifax has my account information listed incorrectly and fraudulently. I live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX and have for the past 5 years yet Equifax does not have that listed as my address. In the past I was able to login to Lock and Alert and Unlock or Lock my credit. Equifax disabled my lock and alert and won't let me reactivate it. Additionally, Equifax has my extended fraud alert / Victim Identity Theft statement showing a phone number of XXXX. This phone number is fraudulent. My phone number is XXXX and Equifax has not corrected or fixed my account. Everytime I attempt to retrieve my credit report is says my information is invalid and won't let me access my own report. I have tried several different times and it tells me my information is invalid. I have included a copy of my Drivers license which clearly depicts the address I listed above. Equifax has my address listed as their XXXX XXXX XXXX XXXX  and again that is not my address. Equifax needs to update my address information, and correct my credit file I am a victim of identity theft and I have been. Equifax caused this back in XXXX when they were hacked and my information was leaked. I am expecting monetary relief too because I have attempted to fix this several times with equifax without resolution. My email XXXX is the email used to sign into the lock and alert but equifax has it locked and has it pointed to XXXX which is not my phone number. Please correct my credit file and block the fraudulent creditors listed such as XXXX XXXX. I do not have any cards with XXXX XXXX nor have I ever.
Consumer complaint received 2023-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TN)

I had my credit pulled to refinance my home. Theres a debt for {$860.00} approximately on my credit report as delinquent & is not my debt. I called the number on the debt, which was a lawyer group, & the birthdate, social security number & address are not mine. They stated that its another XXXX XXXX, but could not give me anymore information. Please have this debt removed from my credit report because its not my debt. Thank you
Consumer complaint received 2020-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (NY)

i have been calling american express for atleast consective months, that i small part time business was closed due to pandemic guidelines as per the state and fed govt. 
and, i wont be able to make pymts for atleast 6 to 12 months.because i being head of household, and no other source of income. 
they did not care too much about my request.only after 2 months of postponing, they have been calling my home like crazy for money! 
they expect that, all will be well in just 2 months! 
my old mother at home gets disturbed my their annoying calls everyday. 
i cant keep explaining same situation every month, the way they expect us to. 
thats rude, insensitive, and mean on their part. 
i already told them, that i wont be in a position to pay them till next yr, because i have thousands of $ of lost income, and urgent bills. 
they dont care .please let everyone know, that this co american express is extremely insensitive about pandemic, and rude. 
and, they rushed to even cancel my card? 
and they want to setup some impractical payment plan with me, on their terms.i already told them, that i can not do any pymt plan at this time. 
and that pymt plan is not even a reasonable plan! its only {$50.00} less than what i was paying earlier!!! 
so, they are making fool of customers in the name of payment plan. 
please take action against them, AND THEIR UNJUSTIFIED COLLECTION ACTIVITY. 
thanks