davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-11
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION (GA)

I am the sole, legal representative of my deceased mother 's estate. My mother died on XX/XX/XXXX. I submitted a death certificate, XXXX, a copy of her WILL, and all of the XXXX XXXX XXXX XXXX 's documentation that the WILL had been properly probated and is closed. I am also the co-owner on her checking account. The branch lost my paperwork. I resubmitted paperwork on XX/XX/XXXX to Regions Bank, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. The branch refuses to release funds or change the name legally on my account and has illegally locked my account. Instead of acknowledging their mistakes, they are requiring me to reopen the estate, despite having a all legal documentation. This bank has done nothing to resolve the issue. I am afraid this could happen to other consumers.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc. (FL)

I am not responsible for this 2019 debt. Per the FCRA, the right to accurate information, privacy and fairness. This debt is result of identity theft.

Diversified adjustment- Please provide proof where I signed a contract with Diversified adjustment in regards to owing anydebts. Please also provide proof of legal practice for debt collection in the state of Florida along with the originator of this loan.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-03-14
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. (FL)

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX 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 rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IL)

I have worked for a XXXX XXXX XXXX for about 18 years and should qualify for Public Service Loan Forgiveness. I have been paying on my loans for about 6 years. In XX/XX/XXXX I sent in an employment verification form certifying my years of public service, and my loans were moved to XXXX XXXX. In two years, I have not received verification of my qualifying payments. I called them about this is XXXX and they said it was weird. They put in an expidited review order and said it should be complete in 48 hours and I would get a letter. I still have not received anything. According to my records I have about 60 qualifying payments. The woman I spoke to on the phone in XXXX said I have way less than that. She listed a number of long forebearances that I did not take. I have bank records showing all my payments. Ive only ever made automatic payments that the loan services said were due. Im not sure what my next steps are. I have done everything right for PSLF yet I cant get anything in writing showing where I stand.
Consumer complaint received 2017-05-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC (TN)

Recieved numerous calls per day from an unfamiliar number. Up to 3 times per day. Calls would be all days of the wk. Never left a message, so I wasnt sure if it was telemaketers or not.   Once I finally answered, calls were from  Capio Partners . They were calling about a   XXXX   balance due to an  XXXX  visit. Keep in mind, this company has never mailed me any documentation.   Due to circumstances, we 're currently a  XXXX  income family at the moment. I tried to set up a payment plan, and they demanded debt to income info. The representatice said " this is a new account, and you need to pay  XXXX  % of the balance before it 's reported to the collection agency. '' They 've harassed me. Failed to notify me in writing. And threatened to report to credit bureau if I did n't pay the   XXXX   % today. All of these actions does not change my ability to pay more than I have available! Horrible service from a collection company
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Savvy Money, Inc. (CA)

I keep getting emails fradulently representing to be from one of my credit unions that show a sharp drop in my credit score. The credit union says they are not from them, and a check of my scores through another site shos no drop. A close look reveals the actual sender to be : XXXX XXXX
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX
Consumer complaint received 2023-11-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc. (PA)

XXXX. USD XXXX was sent by me on XX/XX/2023 through Remitly to be credited to my XXXX XXXX XXXX, at XXXX, ending with the last four digits : XXXX XXXX. But due to some reason, it is credited by Remitly to someone else 's account ending with the last four digits : XXXX ( proof attached ), Please note, in this case that the sender is me and the receiver is also me - to my Bank account in XXXX. 
3. Remitly has agreed that there is an error but has not made good the money yet. ( Their resolution letter is attached ) 4. Remitly has not given a satisfactory solution and has caused a lot of trauma to me in the process as I have made a number of calls asking for a proper resolution.
Consumer complaint received 2024-03-14
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. (AZ)

Hello, my name is XXXX XXXX, and I am writing to delete the following information on my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2020-04-06
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. (FL)

Experian is reporting a collection in the amount of {$3600.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is over ( 7 ) years old from date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and is mandated that the account be removed. This false reporting of a collection/chargeoff account is seriously harming my credit score. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-05-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CITIBANK, N.A. (NV)

My credit came in at XXXX according to Citibank. 
Interest rates are based on the credit score, as low as 5.99 percent. 
5.99 is what they advertised, depending on the credit. My credit score is in the excellent rage, I should have received the lowest interest rate or very close to it at a XXXX. 
Citibank has given me an interest rate of 12.49. 
There has been several complaints with Citibank not upholding the 0.5 savings for automatic transfer. I called in and let them know the online process is not working to receive the 0.5 discount. I spoke on a recorded line with a man named XXXX around XXXX XXXX, date XX/XX/XXXX and was told several times ... the 0.5 savings will be applied if the online process does not work, just call soon as you get the loan. He also spoke of how this happens time and time again. I did call, and Citibank more than once told me the 0.5 savings will not be applied. 
When applying online it does not show people the interest rate they are approved for at anytime, it gives a range and states how a persons credit score will dictate the interest rate. So, people apply online and are approved for these loans and do not know the interest rate is. Once I got the check and called, I have/ had no problems returning the check, yet interest of a few days had already accumulated. 
There marketing strategy is going over the line by withholding the real interest rates and information, and by speaking with Citibank reps in the personal loan department, it is very typical for peoples banking information not to go through and therefore not get the .05 savings when they call in ... .. This also seems comes off as a strategy.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-04-08
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. (CA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2023-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I sent in my driver license social card to removed old inquiries a stuff I didnt not do they didnt removed nothing. I sent in documents three time XXXX XXXX an XX/XX/XXXX am also XXXX XXXX I let them know the date of birth was wrong on there plus mailing address that I havent stayed at
Consumer complaint received 2021-08-27
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P. (MI)

My daughter 's creditor has been sending me debt collections emails ( addressed to her ) which contain her name, the the amount owed and the name of the creditor. My daughter did not give them permission to use my email nor to share information.
Consumer complaint received 2021-08-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2023-10-20
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: EQUIFAX, INC. (GA)

I recently submitted a request for an investigation of the disputed ITEMS, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
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 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 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Consumer complaint received 2018-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NY)

I wrote to the three credit bureaus regarding some inquiries that I have seen on my credit report but I know I do not have any accounts with these companies or am I paying any monthly amount to them. These inquiries are on my credit report and I did not authorise any of these companies to run my credit. I wrote a second letter to three of the companies asking them to remove the inquiries that I did not authorize. On XX/XX/2018 I wrote SEARS CBNA, XXXX XXXX XXXX and CITIBANK NA asking them to remove these inquiries from my credit report has I do not have an account with them and I did not authorize any such inquiry. 
I wrote XXXX, XXXX  and XXXX about the same inquiries on my credit report that I do not have an account for but did not get any good response regarding this.
Consumer complaint received 2023-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2023-08-23
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION (AK)

I am writing to you due to my concerns with Bank of America 's financial practices. On XX/XX/2022 I purchased a trip for {$1700.00} through a third party travel company called XXXX XXXXXXXX using my Bank of America Credit Card. However, XXXX XXXXXXXX filed for bankruptcy sometime in XXXX XXXX XXXX. My travel partner and I did not find this out right away. After attempting to contact the XXXX, we were told to also contact our credit card companies. She had purchased through XXXX and got her money back almost instantly. I contacted BOA who stated they would send me directions via mail ( snail mail ) to send supporting documents back to them proving the matter. They said it must be sent via mail, even though I travel for work. By the time I returned home, and received the communication, it was significantly later. I was outside the window of time they allotted me to get supporting evidence back to them. In addition, they stated that since it was over 6 months from date of purchase it was outside the transaction window/time frame when they can return funds. I was beyond frustrated. They said there wasn't much they could do. After being transferred around to multiple departments, asking for managers etc. they said they would send me another form ( this time by email!, so they can correspond that way ) to submit my claim etc. Even though we confirmed my email, I never received any email. I followed up numerous times and never received any follow-up emails or instructions, despite being told they were sending them to me. However, I get confirmation emails and transaction alerts and statements from them regarding my credit cards all the time - there is no way these emails should not have made it to me. 

I have called BOA and wasted hours and hours on the phone with them, not getting anywhere. I believe they purposefully drew out the process, falsely stated they were sending me documents/emails etc, and had no intention of ever following through or returning my money for a purchase where no services were ever rendered. I have never received any written correspondence from the company except for that first letter that was sent while I was away from home. I have never received any type of compensation or refund from the company. 

Sadly, I eventually gave up/did n't have the bandwidth to continue fighting them until I read recent reports about the BOA 's other financial misconduct. I believe their misconduct is deeply ingrained into their entire system.