davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I submitted a dispute to Experian in XX/XX/2024 requesting that XXXX XXXX account be removed from my credit report immediately due to XXXX 's violation of Texas state and federal regulations. Instead of Experian doing as I asked. They just updated the account and dismissed the letter that I sent with the dispute as if the violations meant nothing. Please see the attached letter that I sent to Experian.
Consumer complaint received 2023-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

Bull City Financial Solutions sent me a collection notice in the amount of {$65.00} the letter is dated XX/XX/2023. The original debtor is listed as XXXX XXXX with the account number XXXX once again Bull City Financial Solutions sends me no documentation to support this bill that has already been paid to XXXX XXXX. I need documentation along with itemized bill showing what my insurance has paid along with the payments that I have paid. I have disputed this with the company and still have yet to receive any documentation per my request and dispute. I want the documentation sent to me and also I would like collection efforts to cease since this amount has already been paid.
Consumer complaint received 2023-12-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (MO)

I've paid Apple Card {$1900.00} on my {$1700.00} credit card limit. I paid {$120.00} then {$520.00}. Immediately my account balance was updated. Then I decided to pay {$600.00} and another {$710.00} dollars to pay off as much as I could. Now, there's a hold on my account for up to 7-14 business days. This is not part of the user agreement and every person I have talked to say there's nothing more they can do.
Consumer complaint received 2023-11-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

For the past few months now Ive been trying to create a credit report account with some credit agencies but they wouldnt allow me create so I can check my credit score. Ive tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX and fico score but they all wouldnt let me pull my credit report.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX  XXXX - XXXX, XXXX XXXX - XXXX, XXXX XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX, XXXX  XXXX - XXXX, XXXX - XXXX Incorrect DOB - XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA , XXXX EMPLOYER - XXXX XXXX XXXX XXXX EMPLOYER - XXXX XXXX
Consumer complaint received 2023-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (FL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2023-12-24
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc. (CA)

I received a {$70.00} prepaid XXXX debit card as a rebate from XXXX tires for purchasing a set of tires. I submitted my mail in rebate some time around XXXX XXXX XXXX. I don't recall how long it took to receive the card but it was most likely 4-8 weeks. When I received the card it expired in less than a year, XXXXXXXX XXXX XXXX. 

I tried to request a replacement card on prepaiddigitalsolutions.com since I did not use it in time. There was an automated message that my card is expired and I can not request my funds or a new card. I tried calling their customer support at XXXX XXXX XXXX XXXX, and was unable to talk to a human because I needed a valid card number that was not expired in order to use their support system. 

I think it is unreasonable and misleading to issue a prepaid card that is only valid for a few months, and the issuer keeps the funds if it is not used in that time. I may have purchased tires elsewhere if I understood how limited the {$70.00} rebate was.
Consumer complaint received 2018-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX  2017 XXXX 2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2023-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: COAST PROFESSIONAL INC (GA)

In accordance with the Fair Credit Reporting Act, the following accounts COAST PROFESSIONAL INC account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number : XXXX XXXX XXXX XXXX account number ( s ) : XXXX & XXXX XXXX XXXX XXXX & XXXX XXXX has violated my rights. 15 USC 1681-602A states I have the right to privacy. 15USC 1681-604A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I am not liable for these debts, I do not have a contract with these collections, and they did not provide me with the original contract as I requested. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Consumer complaint received 2024-03-27
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: Experian Information Solutions Inc. (NJ)

The early warnings of voliolation of US CODE Improper use of my credit report Credit report Agency Experian XXXX XXXX Codes thats violated my rights 15 USC 1681 ( A ) ( 2 ) ( I ) ( A ) ( B ) ( 3 ) 15 usc 1681 604 A section 2 15 usc 1666b A Dear credit bureau, I'm writing because my rights has been violated. In accordance with the fair credit reporting act, these creditors has unlawfully recklessly not investigated properly. These credit bureau knowing violated my privacy under title title 15U. SC1681. 604 a section 2 and also states, A consumer reporting agency can not furnish. An account without my XXXX instructions on the 15 USC 1666B.A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason I will appreciate a follow up as i continue to Clarify my file with the three credit bureaus and any other " person '' that has violated my rights, thank you look forward to hearing from you. 

Best regards,
Consumer complaint received 2023-06-22
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)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (CA)

I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

XXXX XXXX XXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXXXXX customer service XXXX XXXX XXXX XXXX XXXX - This account was NEVER late. 
The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXXXXXX customer service XXXX XXXX - I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX XXXXXXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX XXXX XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE XXXX XXXX - The late payments on XX/XX/XXXX  and XX/XX/ are inaccurate! The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.
Consumer complaint received 2023-05-10
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: CITIBANK, N.A. (TX)

Account for XXXX XXXX XXXX ending in XXXX. Citi Government Travel Card Program. 
Citi Reference Number : XXXX I have going round and round with Citi for months regarding this dispute to no avail. Once my travel voucher paid the balance on the card the balance was XXXX until late fall of 2022 when the disputed charge showed up- I have not used the card since a business trip I took in XXXX of 2022. 

That's how long Citi has been pursuing this erroneous charge : nearly 7 months. I do not recognize it and disputed it as fraudulent immediately. I have asked for documentation substantiating the charges via mail or fax because the attached documents are getting stripped when they try to send to my work email. I have yet to receive the documents for review after Citi promised they would mail the documents weeks ago. 

This is a {$70.00} charge I did not authorize. Period.
Consumer complaint received 2017-04-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

Over the weekend, we received our mortgage loan statement. I was looking at the statement and realized that it had a  balance for legal fees on it. After contacting Nationstar, it was determined that this fee was for a bankruptcy which was filed last year. A bankruptcy which did not include Nationstar.  Apparently, they transfer the paperwork to another department and charge their customers a fee for this. If they would look at my payment history, I have never missed a payment with them and all my payments have been made on time and consistently around the same time each month. I was appalled that they would think of charging a good customer a {$300.00} fee to transfer paperwork to another department within the organization. This is a large mortgage servicer for you. They do n't care about customer service.
Consumer complaint received 2023-11-07
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK (NY)

Discover Student Loans used me as a co-signer without my Authorization. I was unaware of the situation until the missed payments on the loans and Discover reached out to me for payment. I had a conversation on XXXX XXXX XXXX ( they won't give their last names ) where she gave me the following information on the loans : 1st Loan XXXX opened XXXX XXXX current balance is {$10000.00} balance as of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  current balance is {$4900.00} balance as of XXXX XXXX XXXX XXXX XXXX I asked how the Discover loan officer and the borrower could use my information without my consent. Discover would like me to open a police report and file a civil lawsuit. I am more concerned about how many victims are going through what I am going through regarding inadequate processes at Discover Student Loans to obtain approval. It's similar to the Banks XXXX XXXX XXXX XXXX XXXX XXXX  etc. ) opening up accounts without the owner 's consent. I called to follow up today, XXXX, and spoke with XXXX ( they won't give their last names ). She told me that XXXX was the investigator assigned to my case and was told to file a police report and resolve the problem in civil court. I asked to speak to a supervisor, and no one was available to escalate the situation, giving me no choice but to file a formal complaint with the attorney general of Utah, as the corporate office is located in Utah. I genuinely believe that I am in the situation I am in right now due to the lousy process and procedures being allowed to get loan approval at Discover Student Loans. 
This is becoming an issue now as it will prevent me from purchasing a new home. 

I have also reached out to the Attorney General of Utah with a formal Complaint.

the investigator recommended I open a complaint with the FTC which I am doing now. they also mentioned " XXXX refused to speak with me without you on the telephone. I am still trying to get some information regarding your account. According to the person I spoke to, the telephone I gave them XXXX XXXX XXXX XXXX  does not relate to any loan in their system. they will attempt to send a second letter to XXXX and we'll see what happens. '' it's funny how Discover student loan tells the investigator that my number does not come up in the system while they call me to collect every other day.
Consumer complaint received 2024-03-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Visa card.fully paid each month. I calculated 12 months in year XXXX, three times. 
I couldn't believe it. The returned item credit and other credits that are shown on statement do not reduce the charges. When I complained and asked them to calculate 6 months statements with error. They refused to refund me {$1000.00}. 

I complained about this issue in year XXXX and XXXX and I was brushed off. This time the agent wrote me, it is interest. Not only it is fully paid automatically, but sometimes I submit full payment manually two weeks prior to due date. The interest charges on statement is {$0.00}.
Consumer complaint received 2024-03-27
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. (CT)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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 2023-11-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo called me XX/XX/2022 asking about multiple payments and deposits. I replied they are not authorized transactions.Learning there was a total of {$17000.00} taken from both credit cards and a line of credit. In addition there was a payee by the name of XXXX XXXX created through my online banking. There was a withdrawal of {$19000.00} to XXXX XXXX from my checking account ending in XXXX. Ive been in contact with Wells Fargo for over a month trying to fix this situation. Ive been to the Wells Fargo branch on three different occasions ( Both XXXX, Ca and XXXX, Ca ). In addition, I have called Wells Fargo north of 10 times, spending an average of 2 hours on the phone each time. When I call, I am transferred to a different department, which ends up hanging up or losing connection. Ive changed my online credentials and have called the credit bureaus to inform them of a security breach. A police report has been filed with the city of XXXX, report ID : XXXX. Case : XXXX
Consumer complaint received 2023-11-08
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. (CA)

I implore you to devote the necessary time and attention to expunge the late dates and negative remarks from my credit report. In the current economic climate, I can not afford the repercussions of inaccurate information negatively affecting my credit score. I anticipate the receipt of an updated copy of my credit report that reflects these vital changes within a period of thirty ( 30 ) days. XXXX XXXX XXXX XXXX - I have consistently made timely payments and have never been delinquent. I insist that the late payment notations be promptly corrected to accurately reflect my payment history. I demand the removal of the late dates and a status update to " paid/never late. '' Please note that I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

it is my belief that my information was used in an identity thief from my ex landlord when i was doing repairs on the house and his sister that was getting rent from me but was not reporting it to the Michigan department of human services. i informed them that i was going to expose the matter. i was removed from the home years ago and unfortunately some of my mail continued to be sent to that address. i reported the use of my information to XXXX that has reported this item on my credit report which is hurting my credit score as we speak. my id number with the ftc XXXX doing the Covid 19 relief funds they tried to get me to fill out forms to submit for non payment but i had receipts that i paid rent. most of the family has moved out of town or deceased. also this not being my loan i did in fact submit repayment because it coming in my name. Section 22750. ( a ) states if any amount other than, or in excess of, the charges permitted by this division is willfully charged, contracted for, or received, the contract of the loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction. ( b ) if any provision of this division is willfully violated in the making or collection of a loan, whether by license or by an unlicensed person subject to this division, the contract of loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction ( Amended by Stats 2013, ch 467, sec3.. ( SB 318 ) Effective XXXX XXXX, XXXX
Consumer complaint received 2023-09-21
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. (TX)

Previously, I made an investigation about this account with incorrect information and after checking your responses, I recognized that the same account is still incorrect, with a confirmed status. Please correct the account listed below : XXXX XXXXXXXX Balance Owed : {$900.00}