davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-18
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (OH)

Citibank manages the sears credit card services. I have had a sears card for 35 years. I received a notice from citi threatening cancellation if i didn't use the card. Sears have closed stores, no catalog sales, and less than stellar home service. When i received the actual cancellation it was for reasons other than non use. The reasons used were extremely derogatory. The cancellation was negative to my credit. I have never had historical issues with sears. The account balance was XXXX. Citi was contacted. Someone from the executive office called with corporate boilerplate. The citi response is totally irresponsible and therefore unacceptable.
Consumer complaint received 2024-03-15
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. (CA)

I am promised accuracy in my credit `report based on federal law I am making this complaint as another attempt to have these errors corrected on my consumer report under 15 USC 1681, 15 USC 1681d, 1681n Civil Liability for Willful Non-compliance, 15 USC1666b, 15 USC 1601,15 USC 1602p all unverified and negative information must be promptly removed as you can see in your system that they can not verify this information and validate it so I request that you remove it now. Under 15 USC 1602p, all unverified hard inquiries shall be removed. The bureau verified they received all necessary information to be removed negatives on the account but willfully are non-compliant. Pursuant to 15 USC 1681n Civil Liability for Willful Non-compliance the bureau has to pay me {$1000.00} per negative disputed mark on credit they willingly refuse to remove. I have been verified by both XXXX and XXXX that I am part of the XXXX and XXXX data breach.
Consumer complaint received 2018-05-18
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. (NY)

XXXX XXXX XXXX credit card opened balance {$2900.00} XXXX XXXX XXXX collection company balance {$2800.00} XXXX / XXXX charge off account balance {$2500.00} XXXX card credit card charge off account balance {$1700.00} XXXX credit card charge off account balance {$1000.00} XXXX XXXX XXXX   collection  account balance {$970.00} XXXX XXXX XXXX collection account balance {$610.00} XXXX XXXX collection account balance {$410.00} XXXX credit card collection account balance {$350.00} XXXX/XXXX charge off account XXXX charge off account
Consumer complaint received 2021-12-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (PA)

This happened for two credit cards were I called went to bank asking for statements because my mom is now staying at home and she is working for me. XXXX XXXX and XXXX both did not send me statements as asked. Ima business man and my mother moved and as I stated she started taking care of all my billing. I went to bank spoke to them how I wanted paper statements. And explained to why I needed statements as I did for my XXXX XXXX. As you can see if you look up my file I never was ever late in 8 years of my oldest account. Please help get the late payments off my credit report.
Consumer complaint received 2023-12-12
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (CA)

XXXX XXXX XXXX, owner of the house XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I bought from XX/XX/XXXX, to the present and have never purchased insurance from XXXX  company, but XXXX  company reported it wrong with this person whom I never knew : XXXX XXXX Date of Birth XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX claim number : XXXX. 


I received notice from my insurance company that someone reported a fire and took insurance money from a XXXX XXXX XXXX XXXX. I confirm that I have never bought insurance from a XXXX XXXX XXXX XXXX So please recheck and remove this case and investigate the person who fraudulently reported it. I have attached information to this email and please see it. Thank you and look forward to receiving your earliest response.
Consumer complaint received 2023-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: LD Holdings Group, LLC (TN)

I sent a wire transfer for the payoff amount provided by loan depot on their payoff request statement in the amount of {$13000.00} on XX/XX/2023 at approximately XXXX XXXX cst as per their instructions with the proper documentation. 

On XX/XX/2023 I was notified by a loan depot representative that I needed to wire an additional {$1500.00} to satisfy the loan. 
So wired the additional {$1500.00} on the same day XX/XX/2023. 

I was then told by a loan depot representative on Friday XX/XX/2023 that the funds had been received, however, the funds had not been applied to the loan. 

I proceeded to ask for the funds to be applied to the loan. The loan depot representative responded and stated the funds would then be applied and I should receive a letter showing the payoff to be completed within XXXX business days. 

One week later on Friday XX/XX/XXXX, I called to check the status of the loan as I had not received notification of the loan being paid off but a late payment notice. The loan depot representative assured me the funds were being applied and to not worry about the late notice. 

Today, XX/XX/2023, at XXXX cst. I called to check the status of the loan and the representative said I needed to request a new current payoff amount and wire that full payoff amount as they rejected my original wire in the amount they asked me to pay. I notified the loan depot representative that I had not received any of the the money ( {$15000.00} ) back I had wired. 

I proceeded to ask when they sent it back and the loan depot representative could not answer. 

I am sitting in my bank now with all of the paperwork from both wire transfers and the bank verified the funds have not been returned or rejected. 

I feel like I have done everything correctly in including sending multiple wire transfers at {$20.00} each due to what appears to be their mistake. I have been robbed of {$15000.00} and am powerless to do anything about it. PLEASE HELP!!!
Consumer complaint received 2024-03-15
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. (OH)

I submitted a letter to the 3 Credit Bureaus ( XX/XX/2024 ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXX Balance : {$33.00} XXXX XXXX Balance : {$120.00} XXXX XXXXXXXX Balance : {$750.00}
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (WI)

Shellpoint Mortage It reflects 60-days late on my credit report for account # XXXX. I have attached a copy of the deferment letter. My loan has been in deferment from XXXX XXXX XXXX, I was informd that while my loan was deferment and they was trying to work out a mortage plan for me to keep my home, my credit score would not be affected, and they would not report my payments as late. But inside they did to all credit bureaus. 


XXXX XXXX XXXX deferment it reflect 90-days late on my credit report account # XXXX I have attached a copy of the deferment letter. My loan was defermened and they was trying to work out a mortage plan for me to keep my home, credit score would not be affected, and they would not report any negative action to the credit bureau. XXXX XXXX XXXX
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

I XXXX XXXX. XXXX contacted Equifax via certified mail on or around XX/XX/XXXX and XX/XX/XXXX that there were inaccuracies reporting on my credit profile to do with a late payment from XXXX which is a closed account and also a bankruptcy record that is reporting inaccurately. 

I submitted a dispute letter on XX/XX/XXXX to Equifax as follows : Dear Equifax : My name is XXXXXXXX XXXX XXXXXXXX. This is a letter to request the reinvestigation of the above confirmation number in reference to the Public Record from a XXXX  XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record and according to the Equifax credit file dated XX/XX/XXXX, the Public Record information is verified and obtained through a third-party XXXX. 

The results of your investigation through XXXX are inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still on my credit file from Equifax and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with 100 % accuracy. According to the Fair Credit Report Act all information must be reported with 100 % accuracy. 

This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within 30 days of receipt of this letter ( XXXX5 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance.

I personally signed and sent this letter. 

Sincerely, XXXX XXXX Equifax responded on XX/XX/XXXX that as a result of a reinvestigation that a discharged bankruptcy remains on the credit file and that the records are obtained through a third party vendor, XXXX. According to my Consumer Report from XXXX there is no bankruptcy reported in section 9 of my consumer records. I contacted Equifax to dispute the inaccuracy because in their letter they indicate that they verify the public records through XXXX of which there is nothing reported as far as a bankruptcy but Equifax is violating my rights as the information must be reported 100 % accurately and they are continuing to report this on my credit file. 

I have also disputed the late payment of XXXX which is a closed account and this is not being reported by XXXX or XXXX. My credit file is supposed to be reporting accurately across the board with XXXX late payments and Equifax refuses to correct this late payment status on my credit report.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I sent a letter requesting to verify and validate debt on XX/XX/XXXX and to give me information that they are able to collect. I also informed in the letter that I have not received any information from them about the debt they are attempting to collect I was not aware. So on XX/XX/XXXX submitted a disputes with all three credit agencies as unknown or dont because I did not know this was a debt that was being collected on only response was that the information was accurate and nothing else. They have also updated on my credit every month under two different names Resurgent and LvNV funding. They have two accounts reporting negatively on my credit report and is preventing me from buying a home. This is not right I did not know that they were attempting to collect any thing.
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 ( XXXX  ) . 15 USC 1681 section 602 A states have the right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-12-16
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. (OR)

Four and a half years ago in the summer of 2017 I applied for a master 's in finance program at XXXX XXXX  XXXX & XXXX. I was told I couldn't start the program because I hadn't finished some prerequisites. A week before school started I was informed that I was actually going to be allowed into the program. I signed up for classes and signed up for financial aid where I was then informed I could not receive financial aid because I had not finished those prereqs and I wasn't fully accepted into the program. I then dropped out of the program that week because I had no way to pay for it. They charged me a 20 % fee even though I never attended a class and I dropped the classes one week after being admitted into the program and immediately after finding out I wouldn't receive financial aid, thereby I would have no way to pay for school. 

Eventually this ended up on my credit report where I was then able to dispute it and it was removed due to these circumstances. They have since sold that debt to another company and again 3 years later it shows up on my report. I've tried disputing it again saying what happened and saying it's already been removed, but I can not get it removed again for some reason. This is unfair being on my credit which otherwise is very good. And is very disheartening because I've tried very hard to keep my credit strong. Please help me remove this from my credit reports. Thank you.
Consumer complaint received 2024-03-15
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. (AZ)

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. 
Convergent Account : US Dept Ed XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I have recently obtained a credit report with may unauthorized inquires reporting that I did not authorize they were illegally done by someone who has gained access to my personal information. the following inquires reporting by Equifax are : XXXX. XXXX XXXX XX/XX/23. XXXX. XXXX XXXX XX/XX/23. XXXX. XXXX XX/XX/23
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS) (OH)

I went to the bank to open a business account and they could not verify my identity and they stated that the report from chex systems came back identity error showing two names on the report when there can only be one name. I previously sent them the court order to remove the old name and they are refusing to correct the report thus causing a bank error with the identity and they are aware that it is creating an identity error. This is a form of identity theft that they are creating within the system because they know that it is wrong and are refusing to correct it. I have sent a copy of my drivers license, social security card, court order and letter disputing the information and they refused to remove the security freeze eventhough I never placed it on my profile. I told them I wanted them to permanently remove it because I never requested it. 

Documents were attached that were sent to them the letter was sent by mail.
Consumer complaint received 2018-12-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (NY)

In XX/XX/XXXX i submitted an SCRA request form to American Express for them to reduce my interest rate on my Amex Everyday Card to 6 % or below. A few weeks later they approved it and said they would be reducing my interest rate and issuing me a refund for the overcharges. Nothing happened so in XX/XX/XXXX I submitted it again and they told me the same thing after a few weeks. I've been calling American Express consistently and they keep telling me that " by next month the changes will be reflected on your account and you will be issued a refund for the overcharges ''. I have continued to use the card expecting that the interest rate will decrease and i will be issued a refund otherwise I wouldn't have carried a balance on a card with a 19.99APR rate. American Express ie legally obligated to reduce interest rates for military personnel and yet they passively refuse to.
Consumer complaint received 2024-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (AZ)

Someone opened a an account with XXXX XXXX. ( ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXXe XXXX XXXX XXXX Texas XXXX ) Due to non-payment, the account was sent to collections with ProCollect Inc. ( ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX ) I spoke to XXXX XXXX XXXX who was very rude and unprofessional. I explained my situation to her, she even stated that the account was opened under a different name than mine. I asked the steps to fix this issue and a written letter of verification. All she kept repeating was that I needed to send an email to the company with a copy of my police report as well as my state issued ID. At this point I repeated that I would like written verification, and she continued to talk over me, raising her voice, stating I had until XX/XX/2024 to send the email, or the debt would remain on my credit report. After some back and forth XXXX XXXX hung up on me.
Consumer complaint received 2017-03-24
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I am a victim of identity theft. I recently turned XXXX and learned that my personal information was used to open credit card accounts with numerous company 's. I have been able to absolve all the fraudulent account but XXXX ; Capital One Bank and their collector XXXX XXXX XXXX, XXXX. I notified both creditors on XXXX/XXXX/XX/XX/XXXX that I was a victim of identity theft and that I did not open or authorized the accounts. I ask them to close the accounts and informed them that I am disputing the information because they were a result from the crime. I ask them to absolve me of all charges on the account and take the appropriate steps to remove the information about the account from my credit files. I include the Identity Theft Report File # XXXX, copy of my credit report, a copy of my drivers license and FTC Notice to Furnishers of Information. The XXXX XXXX Bank account was opened on XXXX/XXXX/XXXX, I was XXXX years old when the account was opened. I received a response from XXXX XXXX XXXX XXXX that they have completed their investigation of my dispute concerning the account and have established the account to be valid. I sent them another letter on XXXX/XXXX/XX/XX/XXXX disputing their findings. The letter stated the same information as the letter sent on XXXX/XXXX/XXXX pointing out that I was XXXX XXXX XXXX when the accounts were opened. On XXXX/XXXX/XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX requesting that I send them the same information I 've send them in previous letters. I fell that I am getting the run around with XXXX XXXX Bank and XXXX XXXX XXXX.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

To whom it may concern, I ordered XXXX XXXX from XXXX on XXXX XXXX  in the amount of XXXX. When I received the order all three of the boxes were empty Ive made XXXX aware of this and they instructed me to contact my bank, Citi representative for some reason denied my claim without giving me any type of reason, my understanding was that my funds and purchases were protected under fdic regulations, Im asking that someone please review this and find a solution for me because that is a large amount of money to lose