davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-29
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$390.00} XXXX XXXX {$89.00} XXXX XXXX {$2100.00} XXXX XXXX XXXXXXXX {$690.00} XXXX  XXXX {$1400.00} XXXX XXXXXXXX {$1400.00}
Consumer complaint received 2024-05-01
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PACE Funding Group, LLC (CA)

Pace funding, now known as homerun financing came to my house 4 years ago and told me they could put in pavers in my driveway for {$17000.00} and the contracter did the numbers on his phone, wrote up a contract and had me sign it on his phone. They installed the pavers, did'nt put the gravel rocks under the pavers and my driveway sinks up and down like the ocean, the dirt is coming up threw the cracks which is a safety hazzard, i have already fallen once and i'm a senior citizen, XXXX years old vet with XXXX and the job after i got the bill was {$30000.00}. I've lost a lot of sleep over this. I also feel they took advandage of me because of my age. Also the company that did the work on my house was fired by pace but that doesn't help me very much.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

Citi Bank/ Best Buy is reporting delinquencies to all credit bureaus, But I have never opened an account with Best Buy. Once again I was in the XXXX stationed in XXXX when this account was opened, I have tried explaining to them that I was a victim of Identity theft in XXXX of 2021 when I left my wallet with all of my information and identification in basic training while I was being transferred to XXXX for my permanent duty station. My credit report is completely incorrect and I am trying to fix it now. I still have yet to hear from this company, yet they are still reporting my account delinquent. Please allow the company to know once again that this account does not belong to me, i don't even have a physical credit card with this company, and whoever made this account has all my information. this situation is putting me in emotional distress after being XXXX from the XXXX  because it's causing my l ; life more problems, thank you.
Consumer complaint received 2023-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

For the past couple of years, I have been trying to get the credit bureaus to correct specific information on several accounts for years. The bureaus refuse to investigate and/or correct and/or remove any information regarding these accounts. The accounts are reporting incorrect amounts, dates, payment statuses and much more. Also, it's an obnoxious amount of inquiries, when I haven't obtained credit in a year due the reporting inconsistencies, but they won't remove them just tell me to ask the creditors, but I can't get past verification to even ask them to remove them because they are from ID theft
Consumer complaint received 2024-04-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The customer reporting agency, XXXX, I asked for correct verification XXXX does not tell me who or how was this account verified this account is not reporting the date of last payment. The date of last payment would be the date of the first delinquency. The date of the last payment is not showing or reporting, which makes this account inaccurately verified. The date of the last payment would be the date of 1st delinquency. This account was not verified. Actual proof of when the last payment is needed. Date of last payment received, form of the last payment was it by check or credit card, and time is needed.
Consumer complaint received 2023-09-05
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)

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.I'AM NOTIFYING THE FTC THAT MY IDENTITY HAS BEEN STOLEN AND USED FOR FRAUDULENT PURPOSES.
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX XXXX XXXX XXXX  is a Debt collector having a place of business at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX. They are collecting a debt real or alleged found on my Experian and XXXX XXXX XXXX, therefore they fall under the rules and regulations as set forth in the FCRA and FDCPA. I am making you aware of a indecent of a violation of these laws. On XX/XX/2023 a single payment towards the debt in question was remitted for the amount of {$1.00}. The balance due prior to this date was {$730.00}. Once that real payment was processed they did in fact update showing that they took the money as shown on the XXXX Collection Status Prior to XXXX with the new balance as of XXXX being {$730.00} with a report as shown generate XXXX XX/XX/2023. On that very day or just prior to we initiated a validation of debt complaint Via XXXX  it is my/our right per the FCRA and FDCPA. On the XXXX of XX/XX/2023, the Experian dispute was updated by XXXX XXXX with a change a increase of XXXX dollar to the balance. 

I submit : 1 ) This a clear violation of the FCRA section 609 in regards timely and [ accurate reporting. ] 2 ) A violation of the FDCPA in regards harassing the consumer as this move of willfully negating any and all payment s then reporting a balance increase was malicious in intent and in the context usher forth, a form of punishment for opening a lawful validation of debt complaint though the XXXX XXXX XXXX 
Each one of these a {$1000.00} per violation under the FTC and would be enforceable adjudicated in a Civil court.
Consumer complaint received 2022-12-30
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. (ID)

The company is refusing to comply with the law under subsection 609 of the FCRA, by refusing to provide documentation of the information it was provided or has used to verify the accuracy of items on my report.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (GA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written structions under 15 USCS 1666b a creditor ay not treat a payment on a credit card scount under an open end consumer credit as late for any purpose
Consumer complaint received 2023-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I sent a request to have an item removed from my credit file, because number one, it is reporting that it was included. and discharged in a XXXX  XXXX bankruptcy, which is incorrect, it was never included in my bankruptcy. This was a savings account. They verified that the information was correct. Experian verified this. In my request, I asked them to give me a name and a phone number of the person that verified that this account was included in a bankruptcy, they just sent a copy of my report back stating that the information was verified. I also asked XXXX to remove this information, because they have it reporting as a loan, and a paid collection. This is 100 % inaccurate. This amount is for {$89.00}, and it was a closed savings account that never went into collections. I paid it, and I still have an account with this financial institution. Also I understand that because this amount is under {$100.00}, it is not factored in my XXXX score, so I want it deleted all-together. It is reporting wrong, and it does not help my XXXX score either way. According to US CODE 1681e, sub-section b. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assume maximum, possible accuracy of the information concerning the individual, about whom the report relates to.
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diverse Funding Associates LLC (LA)

CFPB Complaint against DNF Associates XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX  Louisiana XXXX Email Address XXXX : Date : ( XX/XX/2024 ) Financial Product : Debt Collection Company Name : DNF Associates Complaint : CFPB I am filing a complaint against DNF Associates for violating the Fair Debt Collection Practices Act ( FDCPA ) in several ways.

Licensing and Bonding : DNF Associates is not licensed or bonded in my state, [ Your State ]. The FDCPA requires debt collectors to be properly licensed and bonded in the state they are collecting debts from.

Five-Day Notice : I did not receive a written notice from DNF Associates at least five days before they placed any negative information about the debt on my credit report. The FDCPA mandates debt collectors to send a written notice detailing the debt and your rights to dispute it before reporting it to credit bureaus.

Unaware of Debt : I am unaware of the debt that DNF Associates is attempting to collect. The FDCPA requires debt collectors to provide verification of the debt upon request.

Dispute Opportunity : I was not given a fair opportunity to dispute the debt before it was reported on my credit report. The FDCPA grants consumers the right to dispute the validity of a debt within 30 days of receiving the initial communication from the debt collector.

Lack of Proper Notification : I did not receive any proper notification regarding this debt. If DNF Associates claims they sent a notification, I request a copy of the certified mail receipt with my signature as proof of delivery. 
Request : I request the CFPB to investigate these violations by DNF Associates and take appropriate action. This may include : Ordering DNF Associates to remove any negative information about the debt from my credit report. 
Ordering DNF Associates to cease all communication attempts regarding this debt.

Requiring DNF Associates to provide verification of the debt. 
Silence as Acquiescence : I consider a response from the CFPB within 15 days of receiving this complaint essential. Silence on this matter will be considered acquiescence to my claims. 
Supporting Documents : ( ID AND PROOF OF ADDRESS ). 
Please Note : I have kept a copy of this complaint for my records. 
Thank you for your time and attention to this matter. 
Sincerely, Your Signature XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-19
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: Experian Information Solutions Inc. (CA)

I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (GA)

I have asked early warning systems to remove any debt baring my name attached to bank accounts on my consumer report and to show viable evidence that i own this debt and have legally obligations to pay it. They refuse to send me any evidence that this debt belongs to me and evidence showing my signature on these debts and names, phone numbers, of whom they talked to in connections with these bank accounts and is factual. I have sent numerous letters asking to remove these negative remarks as they are not true off my consumer reports and they have refuse and have failed to comply with federal regulations by credit reporting agencies.
Consumer complaint received 2023-11-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION (NJ)

I have a credit card with a company called truist. I applied for a card with no annual fee or apr for 12 months. However, during the first year I got charged a lot of interest and even an annual fee. I reached our to the CFPB, and they reached out to truist and the issue was fixed, or that's what I thought. Recently I got charged another annual fee even though like I stated, the card I have has no annual fee. I called them and let them know of the issue but it's been close to a week and I still see the annual fee, and now I'm getting late payments and interest because of this annual fee
Consumer complaint received 2023-12-22
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)

XXXX XXXX  or XXXX XXXX is not my account and I have been exposed to identity theft, I have never been provided a contract with my signed signature stating I owe this debt. Please delete immediately. I have never done business with any of these company 's not happy.
Consumer complaint received 2023-09-05
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. (GA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # 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 2023-12-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NJ)

Citibank has sent me an email on XX/XX/XXXX  saying my account will be closed within 60 days because I have violated the terms of your account per the client manual. I was not given an explanation in that email about the exact nature of the violation. I have attached a copy of that email with this complaint. Since then I have not been able to login to my Citi account, do any transactions and I have been unable to get any help from Citi customer care. 

When I called Citibank, I was told that my account has been blocked/soon to be closed and customer care mostly repeated the same information provided to me as on the aforementioned email and disconnected abruptly. One customer care person said my account was detected with a " fraud transaction '' and hence its blocked and soon to be closed. I can confirm that there have been no such fraudulent transactions. However, I wasn't asked for an explanation by Citi. My account has approximately XXXX XXXX as on XX/XX/XXXX. The email sent by Citibank informs me that they will send any funds belonging to you to this [ my ] address, once the account is closed. This means that I cant access my own hard earned money in my citibank account right now and for upto 60 days or less, and is at citibank 's discretion. I need my funds ASAP to pay for my various bills, including my condo XXXX payments and several medical bills. I got the number for a Citi XXXX XXXX XXXX at : XXXX from an online reddit forum where a person faced a problem similar to me and opened a case with them. Link of post on online reddit forum : XXXX XXXX XXXX Citi XXXX XXXX XXXX told me to wait 15 calendar days before I get any response. This is a very long time for me as I need access to my funds now to pay my bills.
Consumer complaint received 2024-05-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (OR)

Hi there, I opened a checking account with Citi on XX/XX/XXXX, during a promotion offering a bonus of up to {$2000.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The promotion requires that " New-to-Citibank Funds '' be deposited into the new checking account within 20 days of account opening. The balance on the XXXX day determines the maximum eligible cash bonus. Since there is no Citi bank near my area ( zip code : XXXX ), I had to mail the check to fund my account. Concerned about mailing delays, I spoke with a Citi agent before opening my account. They assured me that if the check was mailed within 30 days, I would still be eligible for the promotion. Consequently, I mailed my check on XX/XX/XXXX, and the funds ( around {$75000.00} ) were deposited into my checking account on XX/XX/XXXX. According to their promotion policy, I should receive a {$1000.00} bonus. However, after waiting for the bonus and following up with Citi multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I've had mixed responses. Initially, Citi agents confirmed my eligibility and promised to resolve the issue and send the bonus. Later, they claimed I did not qualify because the funds were deposited outside the XXXX window. Despite explaining the initial assurance I received about the XXXX window for mailed checks, the issue remains unresolved. After many frustrating calls, Citi told me to fill XXXX form to get the Bonus. I did send them the XXXX form by email and it got rejected. Later on, Citi asked me to go to their brunch to fill the XXXX form with ID. I went to the Citi XXXX in XXXX XXXX on XXXX, XXXX and filled XXXX forms and get my Passport copied. At that time the XXXX confirmed that's everything they need to provide me the Bonus. Now when I called the Citi agent again today ( XXXX ) to check the status of this promotion bonus, the agent told me I am not qualified and they want me to fill the XXXX form again through email. This sounds ridiculous. How many time they told me to fill the XXXX forms? I got the impression that Citi just use many excuses to reject my Bonus. I aksed the XXXX to transfer to her XXXX but later on the convsersation was disconnected ( Maybe intentionlly ) and the Citi never called me back again. I am so impressed by Citi Bank 's attitude towards their customers. I can't believe such a big bank is trying to find many excuses to reject the promotion bonus they were supposed to pay.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CT)

I got a Venmo transfer of {$500.00} from another Venmo user. 

The other Venmo user accidentally filed a dispute with their bank ( XXXX ) that is linked to their Venmo account. Venmo says I have to pay back this transaction of {$500.00}. My account became negative by - {$500.00}. The Venmo user promptly cancelled the dispute with their bank ( XXXX ) and Venmo but my account is still showing as negative for $ XXXX. I forwarded to Venmo the pertinent email between the other Venmo user and their bank showing that I dont actually owe anything. My account has been unusable ( in the red ) for almost 2 months now.
Consumer complaint received 2023-12-23
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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