davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MA)

As you can see below, the autopay paid the minimum {$160.00} payment required to cover my 0 % balance. I paid {$45.00} to cover the new purchases that month ( totaling {$44.00} ). However, I was still charged interest from Citi.  They refunded the interest after I asked about it on the website chat, but this may be a systemic issue. 


Statement closed XX/XX/2018 Posted Total {$160.00} Date sort by descending Description sort by descending Amount sort by descending XX/XX/2018 MINIMUM INTEREST CHARGE {$0.00} XX/XX/2018 AUTOPAY ... AUTO-PMT {$160.00} XX/XX/2018 ONLINE PAYMENT, THANK YOU {$45.00} <various purchases, totaling $ XXXX End of activity Total activity Statement closed XX/XX/2018 {$160.00} {$160.00} Pending purchases {$0.00} {$0.00} Purchases {$44.00} {$44.00} Cash advances {$0.00} {$0.00} Payments/credits {$210.00} {$210.00} Fees/interest {$0.00} {$0.00}
Consumer complaint received 2023-01-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a duplicate complaint, this complaint due to the new evidence. I represent myself by myself. I'm victim of identity theft and my personal information was compromised. As a result I got hard inquires on my report that I have never authorized. 
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have come to you, the credit reporting agencies to resolve these issues. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didnt have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 

It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Please remove these unauthorized hard inquiries from my report.
Consumer complaint received 2022-09-23
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. (TX)

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charges nor accounts. 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 also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. If the Credit Bureaus claim these items are 100 % accurate and verifiable then I need the Credit Bureaus to provide me with copies of any documentation associated with these items which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file the Credit Bureaus maintain under my Social Security number.
Consumer complaint received 2022-09-22
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. (NC)

I have been trying to get all three credit bureaus ( XXXX ) ( Experian ) ( XXXX ) to take these XXXX things off my credit report. I have been trying for years for them to remove these items ; ( XXXX ), XXXX XXXX XXXX Account Number... XXXX XXXX XXXX XXXX Outstanding Balance* ... {$0.00} US Department of Education XXXX XXXX I need these to be removed off my credit report so I can purchased a home. They are talking about giving me a high interest rate. They will change it once I get these things removed. I want to purchase a home and this is what I need removed. I hope we can rectify this problem right away!
Consumer complaint received 2024-04-15
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: RENASANT CORPORATION (GA)

I called XXXX XXXX XXXX requesting for information a closing I had with her. There was information about my closing that was not disclosed. XXXX XXXX XXXX was very rude, disrespectful, and uncooperative. I informed XXXX XXXX XXXX that I would write a letter. I wrote XXXX letters and I also requested for XXXX XXXX XXXX to provide her Bond and insurance information which she refused. I wanted to make a complaint here before I pursue further actions to show that I have tried to reach out in several ways in many attempts to resolve this matter. XXXX XXXX XXXX who has sworn to serve the community and has failed to do so. XXXX XXXX XXXX has failed to provide information that she has a duty to provide to the public upon request.
Consumer complaint received 2021-01-27
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

On my credit reports there is a closed account with huge amount of missed payments. CAPITAL ONE BANK USA XXXX Opened XXXX XXXX, 2017 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA CAPITAL ONE BANK USA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2023-06-13
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: SYNCHRONY FINANCIAL (IL)

I have no idea what it is and why its on my report. I want proof of who they are not some random bill that can be from anywhere due to fraud. I never received anything from the company or who they are.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

In accordance with fair credit reporting act XXXX account # XXXX, account # 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
Consumer complaint received 2018-12-09
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: Atlanticus Services Corporation (CA)

I had my identity stolen by someone and had an unauthorized hard inquiries on my credit report. 

XXXX  XX/XX/2017 XXXX XX/XX/2017 XXXX XX/XX/2017
Consumer complaint received 2024-04-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I filed a claim against XXXX XXXX in XX/XX/XXXX with XXXX regarding modification issues in XXXX. XXXX XXXX responded correctly that I was not entitled to a modification at that time because the first mortgage with Bank of America was not modified. If it was, under the HAMP guidelines. The second with XXXX XXXX would have been considered under HAMP Tier 2 program for folks like ourselves with a second home would of had a chance to save their home that was being occupied by a XXXX brother, sister and her husband and XXXX children at the time. The original dated XX/XX/XXXX loan was with CountryWide, loan number # XXXXBank of America bought out the loan and the new loan number # XXXX. Our family attempted lots of times to get this home modified and it never was done. I tried We were successful for our current home. But, not this loan. We had to file XXXX  XXXX because our inability to work out something on this home with BofA. I need some answers to why it didnt happen. I submitted the documents to them on this matter.
Consumer complaint received 2022-10-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (MD)

My loan is with XXXX. It is a federal XXXX XXXX that the federal govt sold to XXXX XXXX and then to XXXX. Now Im trying to apply for the XXXX XXXX XXXX XXXX. Their servicer is now Mohela. They are a big problem. You spend hours on hold. They lost at least one application, the 2nd wasnt legible due tio theyre ink from their fax machine. No way to send online if servicer is through XXXX, I had to finally send a 3 application through the mail. Now they are telling me the 90 days to process starts all over again when the issue is them! XXXX is another issue and they are also apparently holding up the process. Ive been paying on my loans for way more than 10 years, at least 15. Im now also paying on my daughters student loans, if this tells you anything, Im very frustrated with the process. Ive been in public service for many years and am just in need for relief.
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (AL)

In accordance with the fair credit reporting act Discover and XXXX XXXX  have violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-02
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. (FL)

I learned that the FCRA 605 requires credit bureaus to ban and erase any items that are discovered to have been opened as a result of identity theft. Once more, it seems that my credit with you has been damaged. The items being reported are giving me a lot of mental & financial stress, which is affecting my ability to sleep, causing issues at work, and adding unneeded stress to my home life. The following are the things that CREDIT BUREAUS has to get rid of : XXXX XXXX  XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/2023.
Consumer complaint received 2022-10-20
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. (CA)

in 2018 a phone service was opened in my name someone used my identity i have a out standing bill for XXXX from XXXX phone services i disputed this on my credit and its still showing up
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

Comenity Bank overseeing the XXXX XXXX XXXX credit card accounts : They have not reported our balances since XX/XX/XXXX of 2022. We have been on the phone with them countless times trying to restore a previous interest rate, the accounts are all closed aside from balance payment options. We need them to still report these accounts with balances as we are working on our credit scores and this is keeping a high balance on there and hindering our scores from showing accurate information.
Consumer complaint received 2022-10-20
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2023-01-04
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. (FL)

My name is XXXX XXXX XXXX, and I have recently noticed on my credit reports that several attempts were made to obtain goods/services under my personal information without my consent. I do believe I am a victim of identity theft. I am requesting that the following information be reviewed and removed from my personal credit reports. The items I am requesting to be removed are included in this report and below in my personal statement : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-14
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)

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 Balance : {$32000.00} ; XXXX  XXXX XXXX Balance : {$2200.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX Balance : {$6300.00} XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX
Consumer complaint received 2022-10-20
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I sent in and on XX/XX/2022 and received no response. I then sent a 30 day ask to comply, and still nothing.
Consumer complaint received 2023-05-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!
Consumer complaint received 2022-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

In accordance with the fair credit reporting act Equifax has violated my rights by having XXXX XXXX XXXX XXXX XXXX # XXXX on my reports. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-06-20
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: EQUIFAX, INC. (GA)

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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$730.00} XXXX  XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion is allowing XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows 100 % paid but also reports XXXX days late the account balance shows {$XXXX} which is incorrect. The account is not late but shows a missed payment. XXXX XXXX agreed to keep my account in XXXX Protected status because of the XXXX  and XXXX  that I experienced financially for the XXXX  years that they did not have me in XXXX XXXX protected status. They fixed the error but now they are trying to reverse it.
Consumer complaint received 2022-10-20
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. (GA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2017-05-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MN)

1 ) I have called and requested information from this company 3 times. They tell me they will send the information out to the address I have given them. I have never receive any information. This has been going on since  XXXX  of    2016.    2 ) I have never opened an account with  XXXX . These charges are fraudulent
Consumer complaint received 2023-06-18
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (CA)

There has been a debt collection report on my credit report. I've filed a multiple disputes, but each dispute is closed without correcting this error. This debt and the one listed on the collection agency 's website have already been paid in full, yet the collection agency CCS Collections, refuses to correct it. 

On my credit report is say the debt is for XXXX however on it's website it says XXXX XXXX XXXX.