davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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. (CA)

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX  data breach as well as Equifax 's XXXX  data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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: EQUIFAX, INC. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-20
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. (TX)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-20
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. (LA)

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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NJ)

There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than 3months, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the XXXX week of XXXX, but I didnt get any offer or feedback from CITI XXXX 
After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. 
After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. 
However, I never got any feedback from CITI, and when I called last time which is 2 weeks ago, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives everytime I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. 
They couldnt told me what kind of code was missing because they didnt know, either. 
This does not make sense at all, and I can not believe how CITI bank scammed customers.
Consumer complaint received 2023-02-03
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

I did try to fix the problem with the credit card company which is Kohl 's. Didn't get any where with them, so I cut my credit card up and said I will pay a monthly amount with them, but I wanted my account closed. Someone called today, they said even through my account is closed they will still added on a monthly late fee of {$39.00} each month on my account, if there is a balance. To me, they shouldn't be able to charge that amount. I offered {$50.00} per month till the balance of {$310.00}, I was told they would still add on {$39.00} late fee each month. I ask, how am I going to ever pay their bill if they keep adding on {$39.00} each month????
Consumer complaint received 2023-10-24
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. (NJ)

I know that you have been replying to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with in accordance with its particular merits. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney in order to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of Metro 2 data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as METRO 2. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : XXXX XXXX XXXX  Late Payment {$84000.00} XXXX XXXXXXXX Late Payment {$0.00} XXXX XXXXXXXX Late Payment {$9200.00} XXXXXXXX XXXX XXXXXXXX Charge-off {$0.00}
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (FL)

My best friend XXXX XXXX transfer to me XXXX us $ from his regions bank account ending on XXXX to my regions bank account ending on XXXX at the day XXXX, the both account was blocked and i can use my funds, and customer service said that they have to check the transactions and we also verified all the movements buy they dont want to release the funds.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

Nelnet XXXX  They just out of nowhere told me it was time to repay weeks before repayment. Which they were wrong because I was in deferment from when it was still Great Lakes. 

I tried my hardest to sign up with their website to fix things and couldnt get an account made. Then I called and the wait time was hours long. Made an attempt to email and it was just automated XXXX. They have done nothing to help and I wont even be able to make payments because XXXX cant even access the page or make an account. 

I will file a lawsuit if I have to.
Consumer complaint received 2015-10-27
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (NY)

I can create e-mailable attachments for all I represent below : I received an offer from Citibank regarding a balance transfer offer. There are XXXX sheets, a promotional page designed to encourage me to take the offer and another page which are balance transfer checks with a bridging perforated piece of the sheet to tear them out from, and on that page there is a different fee than on the biggest print letters in the top portion of the first page. 

The particulars are this : A fixed date in XXXX 2017 the offer reverts [ thus, the longer I am made to wait for a response, the incrementally less the offer is worth pursuing ] for 0 % for the life of the transfer for an up-front fee. On the largest font print on the top of the form in a distinctive color it says the standard fee is 3 %. On the fine print part of the XXXX page the rate says that for this offer the rate is 4 %. 
I have received these offers for months with different particulars ; however the immediately previous offer in fact was for the standard 3 % rate and that part of each offer page is identical in all cases. [ I receive these roughly monthly and so does my wife ; I have to believe thousands of others do as well. ] I pointed the discrepancy out to a Citi customer service phone center supervisor, who agreed with me in principle that I deserved the 3 % rate, but I needed to FAX the forms in so they could review it ; I complied, and was told I would get a snail-mail response, which I did. It is merely a likely form letter that just states the offer is 3 % and really does n't address the issue of the unreconcilable statements on the XXXX pages in each mailing. 

Thus, I have physical documentation of their position, and my position is that this is false advertising. Thus, I am here writing to you for help.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

I want to emphasize that the inclusion of erroneously reported late payment remarks on my accounts not only raises concerns but also constitutes a clear breach of the regulations outlined in the 15 USC 1666. This statute, which is part of the Fair Credit Billing Act, specifically safeguards consumers from unjust billing practices and requires accurate reporting of payment histories. Each payment linked to these accounts has been diligently and promptly made within the designated timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also violates the legal protections afforded under this statute. It is imperative to rectify this situation promptly to ensure compliance with the law and uphold the rights of consumers.
Consumer complaint received 2024-03-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

The glaring absence of tangible evidence validating its accuracy, along with the dissemination of unsubstantiated information, represents a clear breach of the legal framework delineated in 15 USC 1681i ( 7 ). This regulatory violation is not only disheartening but also frustrating, given the imperative for compliance. Thus, I strongly advocate for the expedited removal of this account in accordance with the law, unless sufficient evidence is promptly provided to validate its legitimacy. Failure to address this issue promptly only exacerbates the frustration stemming from the disregard for legal standards.
Consumer complaint received 2023-02-19
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 — Their investigation did not fix an error on your report
Company: Rent Recovery Solutions (TX)

I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim. 

I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.
Consumer complaint received 2023-10-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

There are inquiries on my report that I do not recognize and did not authorize. 

XXXX - 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 XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Credit Reporting Crime Wells Fargo Credit Card Fraud Department Purposely reported incorrect and incriminating information to the XXXXhree major credit bureaus to trash my credit score. 
After several months and more than thirty instances of hacking into everyone of my WF accounts my wife and I decided to leave WF for a new bank. This was after more than 25 years with Wells Fargo of effortless and loyal banking. We had to get away from a situation that left us severely sleep deprived and uncontrollable anxiety in the case of my wife. The hackers used clever hacks to move money from one account to the next and then buy thing like crypto currency from my check account. WFs fraud departments were structure according to the account types and simply could not deal with this situation. They would solve it by just replacing the lost funds. The internet banking app was easy to hack into and that is how most transactions occurred. 
The credit card fraud department were very bad and unable to stabilize the balance so that we could pay the outstanding balance to close the account. In a desperate effort to block out the hacker, they decided to close the account completely and create a completely new credit card account. They committed to sending the new credit cards overnight. That did happen as promised, a new card for me, one for my wife and one for one of the hackers XXXX XXXX were in the XXXX  envelop. 
After trying various things to stabilize the account and determine what we were responsible for failed, we decided that we will just pay the full amount and close the account. That turned out to be more difficult than we expected. It took all morning to get an amount to pay and once we did, there was no senior banker to close the account. We went for lunch and came back when the snr banker was supposed to be there. He started the close, but could not because the balance was no longer zero. I told him everything we had been through and he laughed non-stop for a while, then said : I knew we were bad, but I never realized we were this bad! 
When by monthly CREDIT REPORT UPDATES came, I was shocked to see a drop of more than XXXX points on all major bureaus. I called XXXX immediately and they identified the cause as a report from Wells Fargo Credit Card. It reported various late payments and stated that the account was closed because of delinquency!!!! 
My wife still suffers from severe anxiety  and sleeplessness. I have suffered financially as a result of the damage they caused to my credit history.
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. (TX)

Ive disputed these accounts to Experian, XXXX XXXX XXXX I have definitely been a Victim of Identity Theft and these accounts Ive reported they keep saying its mine they dont belong to me and sure dont belong on my credit report.
Consumer complaint received 2023-02-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (FL)

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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 2024-07-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

The charges from the rental company are fraudulent. I moved out in XXXX of XXXX and never asked for a return of my deposit. My Lease was up in XXXX, but I was able to break it legally because living conditions were unsafe. They tried to charge me for XXXX, XXXX, and for the rest of my tenancy, for electricity and gas, which I never paid to the property and always directly to the utilities companies and for a additional painting and cleaning fees on top of my rental deposit when I left the unit undamaged. My lawyer called them to dispute and they said they would drop the charges. In XX/XX/XXXX I saw a massive hit to my credit and received a letter from a collections agency to collect this debt that was supposed to be removed. There was never another bill or communication from the rental company, they just sold a debt that was wrongfully charged, after agreeing it was wrongful.