davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I recently applied for the Citi Double Cash card and received my Citi Double Cash card on XX/XX/XXXX. I activated the card and was informed I can begin using my card. My two first attempts to use the card on XX/XX/XXXX the card declined. I immediately contacted Citi and was told the card is usable with no further declines. I stressed that this can not happen as I'm using this card for purchases with vendors whom I work with. I was assured there would be no further problems. On the following day I had two vendors contact me that my Citi card was declined. I again contacted Citi card and was told they need a copy of my Social Security card. I have never provided this information to a credit card company as I have excellent credit, and held credit cards for over 30 years. Also, I have another credit card currently with Citi. 
After almost an hour on the phone and speaking with a supervisor I requested to cancel the account as I will find a different card provider. They refused to cancel my account until I give them a copy of my social security card. 
I then receive a letter stating they want a copy of my social security card on XX/XX/XXXX via mail. I immediately called and stated I'm not comfortable mailing a copy of my social security card and to please cancel my account. I have not interest in doing business with this company. I was told they will not cancel my account until I mail them a copy of my SS card. At this point I have no idea what to do. I have wasted too much time and effort trying to resolve the service and cancel my account. 
Citi has worst service I have ever experienced.
Consumer complaint received 2023-10-06
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)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that 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 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 2023-04-18
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. (IN)

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXXDate of inquiry : XXXX XXXX XXXX Date of inquiry : XX/XX/2022, XXXX Date of inquiry : XX/XX/2022, XXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX XXXXXXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

There are many address on my report but the only on that should be in there is XXXX XXXX XXXX XXXX XXXX ca XXXX Ive stated several times and made multiple disputes that all other address on my account are fraudulent
Consumer complaint received 2023-02-14
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$270.00} XX/XX/XXXX
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-07-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LJ Ross Associates (GA)

This company has been negatively impacted my credit for years. I have asked for a debt validation letter, the original contract from the original creditor, proof of legal right to collect on the debt. I have been harassed consistently over the years from various numbers from this company about collecting the debt although they have not sent any of the info to have asked. They have also changed the date of the debt to reflect the current month and year so that they can be in the statue of limitations. I have to them this is a violation of the fair credit reporting act, and they continue to falsify information to the credit bureaus. This has prevented me from getting a mortgage, and has affected my mental health. I have over XXXX numbers blocked on my phone from this company violating my privacy and rights.
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TN)

On or about XX/XX/2023, I contacted the creditor about a collection being reported on my credit, I informed them that its wasn't mine and possibly fraud... they persisted that it was. I told them I never had service or filled out an application for XXXX services. Now, its damaging my credit profile.
Consumer complaint received 2023-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC (GA)

To Whom It May Concern : It has been brought to my attention that { XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has listed { negative listing } on my Early Warning file. To my knowledge, I have never had account with { XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  } be permanently removed from my Early Warning report. For your records, my contact information is as follows : XXXX XXXX { XXXX } { XXXX XXXX XXXX } XXXX GA XXXX
Consumer complaint received 2023-09-22
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: SunTx Capital Partners (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (OR)

I have made repeated ( at least five times in the past 5 years ) requests for the incorrectly reported public record to be investigated and removed. Each time, Experian fails to investigate how the incorrectly reported public record was filed and refuses to both review the letter I provided to them from the court in question, and to provide the method they used to verify the inaccurate record. Specifically, Experian had responded claiming that the entry was placed AND verified by the Court, which is patently false given that the letter from the very same Court clearly states that they did not at any time provide or verify this information. Given that Experian has failed to actually verify the record, at minimum they should have provided the details of how ( the method ) they used to supposedly verify the information. Because they failed to actually do any of this, Experian simply claims the information is verified and to contact the Court with questions ( again, which I did, and received a response in writing that refutes the lies made by Experian ).
Consumer complaint received 2024-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I emailed XXXX XXXX  to tell them I'd been double charged for the same transaction ( identical debits ... XXXX ). They responded saying they refunded my purchase, and the debit to my account is nowhere to be found on my checking debit history. Bank of America is permitted to manually alter the balance of my account without reflecting my list of transactions?
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Theyre asking me to pay a debt that I do not owe I take the position of alleged obligator not the obligator. Per 18 U.S. Code 8 - Obligation or other security of the United States defined
Consumer complaint received 2023-10-05
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. (OK)

I am writing to dispute the following items attached to this complaint, that are still reporting inaccurately after your reinvestigation. I disputed these items through the CFPB in XXXX, XXXX and XXXX My credit reports from XXXX through XXXX will reflect that no investigation was done and that all disputed items are still reporting inaccurately on my credit report. I am requesting that you remove the disputed items from my credit report immediately. I have a right to an accurate credit report, and these inaccurate items are harming my credit score and ability to obtain loans and other forms of credit. I have enclosed a copy of my credit reports with the disputed items circled, as well as supporting documentation. Thank you for your time and attention to this matter.
Consumer complaint received 2024-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc. (OK)

I have 2 collection accounts on my current credit report that are fraudulent. 

Date : XX/XX/year> : Collection Agency : Online Collections XXXX Creditor Name : XXXX XXXX Amount : {$430.00} Date : XX/XX/year> Collection Agency : XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX  Amount : {$710.00} Both of these companies are located in XXXX which is a place I have never lived. These are just two of the most recent fraudulent accounts. 

Last year ( XXXX ) I was alerted to a fraudulent account with XXXX XXXX in the amount of {$430.00}. I contacted XXXX XXXX and it was taken care of. However I did ask if they could put my information on an identity theft/XXXX so no one could open any more accounts with their company. I was told they would do that and I shouldn't have to worry about it being used with their company again. On XX/XX/year> I discovered I had another round of collections from XXXX XXXX. 

When I contacted XXXX XXXX this second time it was discovered my information was used to open 10 accounts for different addresses from the XXXX border up to XXXX. I was able to get dollar amounts and the address of each of these accounts but was told they really couldn't do anything. So not only are the 2 collection accounts listed above XXXX XXXX XXXX and XXXX XXXX ) fraudulent but anything else coming from any utility company in XXXX is fraudulent as well. 

Thank You.
Consumer complaint received 2022-11-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX Validate Inaccurate/Reported Late payment XXXX  Account Number : XXXX Validate Inaccurate/Reported Late payment XXXX XXXX  Account Number : XXXX Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX
Consumer complaint received 2023-12-08
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NY)

I got a credit card with Discover mainly because of their intro 0 % APR for 21 months. I then completed a transfer balance that I plan on paying down soon. At some point in the first few months with the card I requested two cash advances for a total of {$240.00}. Meanwhile, I've made minimum payments every month for a total of {$1100.00} so far in about 10 months. It made sense to me that the payments were also going to pay down the cash advance balance, but they didn't. I have been charged interest on that {$240.00} for about six months. When I called to complain a Discover representative told me that payments should go towards the balances with the highest APR, so if my intro APR is 0 %, the payments should have gone to the cash advance balance. They simply apologized, said it was how the system was set up, and told me I have to make extra payments to pay down my cash advance balance. This seems like a way for Discover to charge interest fees to unsuspected customers.
Consumer complaint received 2023-07-06
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: Bread Financial Holdings, Inc. (FL)

The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-10-05
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. (DE)

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Note To Agent Is Notice To Principle Note To Principle Is Note To Agent.!! 

I XXXX XXXX, I am a victim of identity-theft. I am writing to request that you block the following fraudulent account in my file with Experian. This information does not relate to any transactions I made. I have Sent out multiple letters with my concern, telling Experian That I was a victim of identity theft. This recent Letter was received and signed by employee XXXX XXXX here is the tracking number ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/2023, I also attached a copy of this as well signed receipt. Once again I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I have also reached out to original creditor just to confirm that this XXXX XXXX XXXX XXXX  # XXXX Indeed identity theft, I have attached this Certified mail receipt to XXXX XXXX As Well. I have Made multiple Attempts for Experian to remove this fraudulent account. And feel that I must Take take legal matter. I also request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all application to prevent future Issue. Attached to this document you will see my FTC Report and Prior complaint number from case related to this Fraud Unverfied West Gate resorts. Remove this account at once or neglect my rights as A Consumer and knowingly hinder my financial health.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2023-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I AM A VICTIM OF IDENTITY THEFT. I AM FILING THIS COMPLAINT FOR MYSELF TO REQUEST THAT YOU BLOCK THE FOLLOWING INCORRECT INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS FROM. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT.
Consumer complaint received 2018-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (VA)

In XX/XX/XXXXmy parents took out a student loan with me, more than they should have, but they had XXXX kids in college. I believe the original balance was around XXXX. I joined the United States XXXX XXXX that fall. Navient was updated on my status, but failed to comply with the Soldiers and sailors civil relief act I believe charging 13 % interest for years. From XX/XX/XXXX to XX/XX/XXXX my parents would ask me to send them an XXXX to show I was XXXX XXXX every now and then. What I did not realize is Navient was telling them they could defer payments and it would not report as late. FOR 10 years the loan did nothing, but occur interest and I am certain Navient had a huge smile on their face while doing so. in XX/XX/XXXX I believe, my parents received a check from a settlement company that sued Navient for not complying with the Soldiers and sailors civil relief act for the difference of the interest at the time. Now 13 years later the balance even while my parents have made payments does not drop below {$50000.00}. I have called Navient to get any information from them in regards to the interest rate and for a copy of the original contract. THEY LITTERALY hang up on me every time I have asked. They will not provide me with the information, I firmly believe, that they either do not have it or are violating many laws and probably the contract itself. 

I will do some basic math to make my point. I have had this loan for 13 years now. Lets just pretend my interest rate is % 5. If I wanted to pay this loan off in the next 15 years ( now making the loan be a part of my life for 28 years ) I would have to pay {$390.00} a month for the NEXT 15 years. That is insane! They are the most predatory company I have ever dealt with. When they get you under their thumb, they never pick it up until someone else finally has enough money to stand up to them. Please help in any way possible.
Consumer complaint received 2022-11-28
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. (MI)

I have several fraudulent accounts listed on my credit report. I have listed them and also the police report. The first police report had an error. 


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