davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-21
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2700.00} 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 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 Balance : {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$9200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 of receipt.
Consumer complaint received 2022-12-21
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. (AL)

XXXX  -- Disputed a Public Record item appearing within my credit file with Experian as a result of the company 's Violations of Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C 1681 ) reporting requirements but also Violation of FCRA 623 ( b ) ( 1 ) which states : FCRA 623 ( b ) ( 1 ), credit reporting agencies or furnisher of information being reported which turns out to be inaccurate, incomplete, or cant be verified, must be permanently deleted. *** As per Section 609, I am entitled to see the original furnisher or source of the information and in this case the original furnishers is/are : the XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX The original furnisher ( s ), the XXXX XXXX XXXX XXXXXXXX XXXX XXXX Alabama, do not report to any credit reporting agencies to include XXXX, Experian, XXXX, or XXXX. Neither does the Court report to any third-party credit reporting agency furnishers or reseller of information. This rule applies to All US Courts therefore any statements alluding to XXXX stating the information being reported within my credit file with their company as verified and accurate is an error or a lie. Either way XXXX reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and 623 ( b ) ( 1 ) therefore the information must be deleted immediately. 

Experian.com/upload webpage also blocks at the discretion of Experian, consumers from uploading pertinent documentation to support disputes; tried multiples times with most attempts yielding a timed out or unable to process error message. This webpage would not allow me to upload dispute additional supporting documentation ( FCRA Dispute Letter Dated XXXX XX/XX/XXXX and Letter From The Court ) as stated by the Experian Rep during a phone call on XX/XX/XXXXXXXX
Consumer complaint received 2024-01-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

Dear representative, I was scammed by XXXX XXXX. 
Found concert tickets on the XXXX website ( p. XXXX ), ordered tickets, and got a confirmation ( p XXXX ) : Youll receive an email with instructions and tickets from the original provider, not XXXX. Found tickets 2 times cheaper on XXXX XXXX. Tried to cancel the XXXX order, no cancellation only a sale on the same website. Tried to sell, but nothing to sell, tried to find from them where are the tickets and who is tickets provider, no result. A charge of {$830.00} appeared on my Citibank statement. 

Mailed dispute forms may to Citibank Government Services. Dispute forms were delivered on XX/XX/2023. 
Tracking # XXXX XXXX created a double scam ( p. XXXX ) : Send your tickets for sale, if you do not send charges will apply. 
A charge of {$300.00} appeared on my Citibank statement. 

Mailed dispute forms may to Citibank Government Services. Dispute forms were delivered on XXXX XX/XX/2023 Tracking # XXXX XXXX XXXX XXXX XXXX XXXX According to FTC regulation Within 30 days of getting your complaint, the issuer must acknowledge it in writing, unless the problem has been resolved.. 

https : //consumer.ftc.gov/articles/using-credit-cards-and-disputing-charges But the charge is still on my account. Please please help to correct this issue. 
Thank you.
Consumer complaint received 2017-04-05
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (NY)

To Whom It May Concern, My name is XXXX XXXX, My account number with Barclay Card is XXXX. I received mycredit card statementin the mail and noticed I was charged twice for flights from the XXXX to XXXX back in XX/XX/XXXX. My wife used my card without my authorization, when the credit card company called me I told them there was no authorization for this charge and to cancel it ; they said they would. In the meantime my wife never received a confirmation for these flights thereforeshe understood that the flights were NEVER booked. I was charged twice for this charge and wish to be refunded for this, Ideclined the charge when Barclay Card called and on top of it my wife never received confirmation for the flight. I then was only reimbursed for one charge and not the second, if I DID NOT authorize this charge how is it that I was charged TWICE? I have been dealing with this issue since XX/XX/XXXX and have received no resolution through Barclay Card regardless of numerous phone calls and e-mails. I live on a budget and this charge to my credit card is a heavy burden, especially receiving no adequate resolution on an issue I have been dealing with since XX/XX/XXXX. The card was charged on XX/XX/XXXX and XX/XX/XXXX, if you have any questions do not hesitate to contact me at my personal phone number XXXX and e-mail address is XXXX .I am writing this e-mail XX/XX/XXXX. Please help me with this issue
Consumer complaint received 2024-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-08-29
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. (GA)

The car was voluntarily repossessed in XX/XX/XXXX. I agreed with XXXX XXXX XXXX on XX/XX/XXXX, to pay {$1500.00} and the account would be deleted from my credit report. I did in fact pay the agreed amount and the account should be deleted. However, XXXX XXXX states it would remove the item in 7 years. My complaint is that it still remains on my credit report after 7 years. It is going on for 8 years now. The amount has been settled, the account has been closed since XXXX and the car has been sold. The previous complaint resulted in the company removing it from XXXX. The negative item still remains on XXXX and Equifax. I have sent the company countless emails and they have not responded. I filed yet another dispute this week. I have paid the agreed settled amount and it has been more than 7 years. My XXXX report shows it should have been removed in XXXX XXXX and the report shows XX/XX/XXXX. How long will this go on? I have paid the settlement amount as agreed. I have waited over 8 years at what point do I get a chance to move forward in my life? Do to a family hardship ( the loss of my father ) I could no longer pay the car note. I surrendered the car in XXXX
Consumer complaint received 2022-12-21
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. (CA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/2022 ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$3900.00}
Consumer complaint received 2018-12-20
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. (MS)

Dear Sir or Madam : I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 
These item ( s ) showing 30/60/90 days late payments are inaccurate because the vehicle that was financed by XXXX was totaled by XXXX insurance on XX/XX/XXXX. 
XXXX voluntarily stopped drafting my checking account for payment. I contacted XXXX on several occasions once they reported me 30 days late and was assured no payment was required of me and that the late payment status would be removed from my credit report. 
XXXX has made no attempt whatsoever to collect payment from me in any way. 
Please remove these items from my report. 

. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-02-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LendingPoint Holdings LLC (MD)

I obtained a loan with LendingPoint to pay for dental work. I was told that this loan would be 0 % interest for one year. I gave them my credit card information to make the first monthly payment. I understood that the second monthly payment would go through the same way.

LendingPoint failed to charge my card for the second payment and instead notified me that my payment had not been received. Upon receiving this information, I made the payment online and sent a message to LendingPoint about this misunderstanding. 

They never responded. 

They are now charging me a very high interest rate ( over 20 % ) as punishment for this payment they deemed late, while ignoring my attempts at communication. 

I feel that this is a predatory and usurious lending practice and at the very least I am dismayed by their blatant refusal to communicate with their customers.
Consumer complaint received 2017-04-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX. 
In XX/XX/XXXX, I discovered that a collection agency ( National Credit Systems ) had put on my credit reports that I owed the XXXX XXXX XXXX {$6600.00}. As soon as I discovered this entry, I attempted to contact National Credit Systems, however my phone calls went unanswered, as did my emails. A certified, return-receipt letter was returned as refused. I have been unable to get information from them about this " supposed '' debt. 
The company that took over the XXXX XXXX XXXX, known as XXXX, attempted to double-bill me for rent on four occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on one occasion. On 12 other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ). 
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately. 
In XX/XX/XXXX I was told by XXXX that the dispute of the information from National Credit Systems Inc had been completed, and that this information had been deleted from my Credit Report. In XX/XX/XXXX, while applying for credit, I was informed that my Credit Report had a large negative item on it. I requested and received a Credit Report from XXXX, and discovered that the information from National Credit Systems Inc had been added back into my account, and dated as being reported on XX/XX/XXXX. 
National Credit Systems has never made any attempt to contact me.
Consumer complaint received 2024-01-12
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: Affirm Holdings, Inc (GA)

During the XXXX  of 2021, I received credit report alerts, I became aware that a loan service called AFFIRM had two purchases attached to collections that occurred XX/XX/2021 and another XX/XX/2021 totaling {$830.00}. I contacted the company AFFIRM to get some information on why I was being sent these late payment notifications and I was told it was for two purchases. I contested any purchase and charges from AFFIRM that are not accurate. These charges have not been authorized by me and have not been proven to be received by me. I have no knowledge of this account and never had opened any loan nor signed up for AFFIRM. I requested more information about where these purchases came from and who has been verified to receive such goods or services from AFFIRM. I demanded proof of how AFFIRM verified accuracy and compliance for these purchases and information such as what was done with regards to investigating these purchases on their end. I am needing some information on how this investigation was performed and how a determination was verified. I have spoken with an XXXX Police detective and was told that this was a common occurrence of identity theft during pandemic period. If I attested the loan, I should be provided more information so they can also perform an investigation for me. I am also simply requesting a call so I can be explained what type of information I would have that could help, mostly how did I disperse the loan Affirm claims I used. I would like to file litigation against the false reporting by AFFIRM because I have not been given any documentation on how such information has been verified. I was told an investigation would be performed by AFFIM support and was not notified that this would be accessed to a collection agency and would like to resolve this as nothing has been done to rectify my claim of identity theft.
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Consultants, Inc. (NV)

This is not a valid debt, and Diversified Consultants , Inc did not investigate nor give me an answer to valid this debt, but took the easy route and placed it on my credit report instead of investigating the validity of account before the date of the letter prior to placing this bogas debt on my credit. This is a bogus claim from XXXX XXXX XXXX. I have been making attempts to contact this collection agency withing the 30 day time frame to find out why are they contacting me with a debt to collect with incorrect information and wrong amount of what is owed to XXXX XXXX XXXX reporting the incorrect amount ; When in fact I notified the company to fix the problem to terminate service and adjust my bill which never was completed.. Each month they would overcharge me, so I terminated services and retained a new phone service but XXXX still billed me for over three months.This is NOT my bill and will not pay it. I 've sent correspondence to the collection agency and they went behind my back with the incorrect amount of bill and placed it on my credit report before the 30 days for them to answer my dispute was done. I want this off my credit report at once! Have Diversified Consultants , Inc confirm the true amount of debt and remove off my credit report at once.
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (SC)

The Equifax credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. 

XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXXBalance : {$64.00} XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$200.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXXBalance : {$62.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX
Consumer complaint received 2024-01-12
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MA)

I purchased a gift card with case at a XXXX a mile from my office. I used that gift card to make an online purchase. Shortly after making the purchase the merchant notified me that their payment XXXX had flagged and blocked the transaction. I was asked to provide personal information -- my usual e-mail address and cell phone number -- I provided the information along with a copy of the purchase receipt proving I had purchased the card but the XXXX refused to allow the payment to process. The merchant initiated a refund over 3 days ago but the refund is not processing to the card. Instead there is a second payment for the same amount listed with a status of " pending. '' There is no way to reach the card issuer in any way and I have made extensive efforts to do so. The merchant has provided a routing number for the refund, XXXX XXXX XXXXXXXX, but the issuer of the gift card -- Vanilla Gift -- has absolutely no way for a consumer to contact them to describe and remedy this situation. The end result is they have my money.
Consumer complaint received 2018-08-07
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. (CA)

I paid my car loan off to XXXX XXXX XXXX 5 months early, closing my account. This resulted in my FICO scores decreasing by an average of 40 points in XXXX, TransUnion and XXXX. When I inquired, I was told " When there is a sudden and unexpected change in your payment status, like paying off a loan early, the algorithm reads 'account closed early. ' That's just the way the algorithm works. '' To summarize : I paid my car loan off early, and credit agency 'algorithm ' punishes me with a 40 point FICO score reduction.
Consumer complaint received 2017-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Debt collection was deleted earlier this year from XXXX XXXX for the amount of XXXX. Debt was sold and re-inserted without any proper notice by mail that it was being sold nor did the 5 day time frame take place. Debt is now appearing again on my credit report from " XXXX XXXX XXXX '' on XXXX and " XXXX XXXX XXXX '' on XXXX for the same amount of XXXX.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (TX)

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX