davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I purchased a dishwasher at XXXX XXXX store and applied for finance. I received the credit card and purchased the dishwasher, and paid nearly {$200.00} extra for delivery and installation. 

The company has botched everything from day XXXX of this. When the delivery guys came they told me they couldnt install it, left it on the outside back porch, and said a plumber would call to schedule installation. The plumber strung me along for XXXX  days, saying they could come to install outside of my work hours, cause I cant take work off for this. XXXX  days later they called to tell me the hours a plumber could come and install which was during my work hours, I told them it was unacceptable and decided to return it since XXXX XXXX lied to me and the plumbing service XXXX XXXX lied to me on several occasions on their abilities to install a dishwasher either on a weekend, or after XXXX XXXX  on weekends. 

Yesterday I initiated the return process, and am scheduled another week out on XXXX. I have told them countless times I wont be home till XXXX. And last time they delivered it an hour and a half before the window given the night before. 

I was told by their XXXX number that the refund and credit card account closure cant happen till they pick up this item Considering this whole fiasco has taken nearly a month and wasted so much of my time, I DO NOT trust them to get this picked up, and refunded, and completely closed before the due date of the bill, affecting my credit score.
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions 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 2023-02-25
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. (AL)

I have provided documentation from the car dealership that the car was sold to them before the payment was due. XXXX also provided letter to EQUIFAX STATING I never had a late payment. EQUIFAX REFUSES TO FIX THIS PROBLEM. I have contacted a lawyer and he told me to try this one more time before we filed suit. The XXXX account was never late I need that fixed
Consumer complaint received 2022-12-22
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. (NY)

DO NOT CLOSE I HAVE NOT MADE A COMPLAINT LIKE THS My name is XXXX XXXX. I am not a third party. I am making this complaint on my own behalf. I was a victim of identity theft and see all the fraudulent unauthorized accounts on my report. I already contact the creditors and got the accounts closed. I also see unauthorized addresses on my report. Again I am not a third party. FRAUDULENT ADDRESS : XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Credit cards opened by thief : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Consumer complaint received 2018-04-12
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. (FL)

I have submitted complaints before and I will do so one more time, I have several and I mean several inquiries on my reports that are from the years XX/XX/XXXX-XX/XX/XXXX that do not belong to me, and I have no knowledge of. I have called the creditors and they say they can not remove them call the bureaus, I call the bureaus and they say they can not remove them, well, last month we went through this same thing I sat right next to my brother as he called all 3 bureaus and he had 30+ inquiries removed just by saying they were not his, in which they were not his they were made from a different state that he does not reside in, I called and wanted mine removed and I was told they could not remove them. I have tried to dispute these with the bureaus by sending in letters and calling again nothing, sent in a complaint and again nothing, well, I just seen and took a screenshot of another lady who called all 3 bureaus and got 66 inquiries removed in one call, but I can not get just the ones I know are not mine removed!?? I believe this to be a discriminatory issue that I will indeed address accordingly! I am absolutely tired of seeing and hearing with my own ears people calling and having inquiries removed no questions ask, but mine can not be removed. There are some on my report I do have knowledge of doing, but the ones I want disputed were during the time of the death of my mother and I know for a fact I did not do them because I had no access to any kind of internet or phone during that time!!!! I am asking once again that this situation be addressed or I will be going further with my complaint!
Consumer complaint received 2022-12-22
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Confusing or missing disclosures — 
Company: SANTANDER HOLDINGS USA, INC. (GA)

Chrysler XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Refund of unearned interest on Account XXXX It has been brought to my attention that refinancing, consolidation or restructuring of a consumer credit transaction the creditor shall promptly refund any unearned portion of the interest charge to the consumer. 

The creditor shall compute the refund based on the method which is at least as favorable to the consumer and by law it is the actuarial method. The actuarial method allocating payments made on a debt between the amount financed and the finance charge pursuant to which a payment is applied XXXX to the accumulated finance charge and any remainder is subtracted from, or any deficiency is added to, the unpaid balance of the amount financed. 

Upon receiving this written request, before the end of the XXXX XXXX period beginning on the date you received from the consumer this written request, the creditor or assignee shall provide me the disclosure of the amount due on any precomputed consumer credit account. Please provide me the statement of the amount necessary to prepay the account in full. I am aware that the amount you will disclosed includes an amount which is required to be refunded with respect to such prepayment, the amount of such refund. 

I am aware that the written statement is required considering that I am have made this request in writing. 

It is noted that I, the consumer, shall be entitled to XXXX free annual statement each XXXX without charge.
Consumer complaint received 2022-12-22
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. (FL)

Hello, I have had my mortgage since XXXX. In that time it has been transferred a few times to other mortgage servicers with no issue. I was notified on XX/XX/XXXX. XXXX that my mortgage company XXXX XXXXXXXX XXXX would be transferring my mortgage to XXXX and would be subserviced by XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. The transfer happened and I began being serviced by XXXX XXXX XXXX XXXX During the time of transfer I was on a Covid forbearance and I am still on a forbearance plan until XXXX of XXXX with my new servicer. I received a message two days ago from XXXX XXXX advising that my credit score was decreasing and there was a new inquiry. I have noticed since the transfer that my credit score has continually decreased and I could not figure out why. I checked XXXX XXXX and it shows that I have two mortgages. One with XXXX XXXXXXXX XXXX and one with XXXX XXXX XXXX XXXX  with balances of almost XXXX XXXX dollars. This is completely incorrect. I have one mortgage and because there are two showing up it has destroyed my credit score. My Fico score was at close to XXXX and is now showing on Transunion as XXXX and XXXX is showing XXXX which is very disconcerting to me. I work very hard to pay all of bills on time and this is ruining what I have worked so hard for. I want this corrected and for my credit to show that I have one mortgage.
Consumer complaint received 2024-03-07
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

Subject : Disputing Debt owed to XXXX XXXX Account XXXX XXXX claims I owe - {$180.00} Attached : Mailed XXXX Doc.pdf- copy of letter mailed to XXXX XXXX text document of email communications XXXX has engaged a debt collector for a debt that is not owed by me. The company claims the account was closed on XXXX and not XX/XX/XXXX. Requested proof of the phone call I made on XX/XX/XXXX, will all notes have not been provided after multiple requests. 


XXXX claim that I owe a debt to XXXX is inaccurate : - On XX/XX/XXXX I signed up for the XXXX program Try it worry-free for 15 days. Test drive XXXX Home Internet for 15 days to see how great it works for you - On XX/XX/XXXX I called XXXX to cancel my account/Service. I spoke with a representative who identified himself as XXXX who stated : The account would be closed and no payment would come out of my account - The account was opened and closed in the program worry-free 15-day period. XX/XX/XXXX XX/XX/XXXX = 15 days - All equipment was returned via XXXX  XXXX  Tracking # XXXX - I complied with all terms of the plan
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX 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 2022-12-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (LA)

I have a debt from XXXX XXXX  ( XXXX XXXX XXXX ) for XXXX that is not mines. Also a hard inquiry from XXXX, Ive Disputed these claims and talked with multiple representatives. Ive sent letters, faxs, and identity theft papers, with no resolution..
Consumer complaint received 2021-05-08
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. (MA)

Dear Credit Bureau/CFPB ; Listen, Im still shocked, stressed, & perplexed on the way that these accounts continues to report on my credit report. Ive contacted each of these accounts listed and screenshot showing the errors on the way its reporting. Its impossible that you conducted a reasonable investigation on each of these accounts because it continues to report multiple inaccuracies, misleading information, and inconsistent with payment status and history. There are different dates of last active, last reported, last payment, dates of 1st delinquencies, etc. Impossible. Its my understanding after I download the FCRA law and guidelines that consumer credit report needs to ensure that everything is reporting 100 % accurate, 100 % timely, and 100 % verifiable. Well, these accounts are not verifiable due to these violations I mentioned and it continues to illegally re-aged them.
Consumer complaint received 2023-03-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AFNI INC. (WI)

They call my relatives phone for me. Dont even know how they got my dads phone number or knew that he was a relative! My dad told me so I called the number! A lady answered I asked who they were. She said it was AFNI I asked what they do and she wouldnt tell me. She wouldnt tell me her name either! She asked me what for my ssn. I told I was not giving out that info! And I wasnt answering any questions until she told me what AFNI is! I asked for a supervisor and she hung up!
Consumer complaint received 2024-03-07
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. (SC)

While checking my credit report for accuracy ; I noticed a few accounts that aren't mine, and I did not give anyone authorization to open these accounts using my personal information. I also noticed a few accounts were student loans. These account are also in error because I, nor my children have attended a higher learning facility. Can you please help me figure out this information and get it cleared from my credit reports ; both XXXX and Experian. Thank you.
Consumer complaint received 2023-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc. (AZ)

Had a XXXX XXXX XXXX savings loan with XXXX, everything was going great until they sold and transferred all accounts to SST. SST from the start didn't seem like they had their operations together, so I decided to payoff the remainder of my account. After paying off my account I unlocked the savings I had with XXXXSST which was around {$2200.00}. The day I paid off my account ( XX/XX/XXXX ) I was told it would take around 7-10 days to receive my savings money if I chose to receive it via direct deposit. I called again on XX/XX/XXXX because I hadn't received any money into my bank account, the customer service agent told my that I would have my money on XX/XX/XXXX, which is truly ridiculous. I fail to believe that in XXXX any company to process requests in a timely manner. Today is XX/XX/XXXX, I called and asked where my savings money was and the customer service agent told me that " my account was successfully closed on XX/XX/XXXX and that it would take 10 days from that date to receive my money. Extremely ridiculous, and it seems like they are withholding my money at this point. I have paid off any obligations to XXXXSST on XX/XX/XXXX and we are now almost a month later I have not received only I was told would take 10 days at most. Deceivers and liars.
Consumer complaint received 2024-03-07
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. (NY)

According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Consumer complaint received 2023-06-05
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: Experian Information Solutions Inc. (IL)

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2023-04-01
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. (PA)

In accordance with the Fair Credit Reporting Act these companies have violated my rights. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

15 USC 1681 Section 602 states I have a right to privacy, 15 USC 1681 states a Credit Reporting Agency can not furnish an account without my written permission.
Consumer complaint received 2023-06-05
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. (GA)

Hello I contacted this company XXXX XXXX  about equipment finance I was promised that will be under a company name, not my personal name I didn't get the equipment the vendor said he didn't have it I had to go somewhere else and buy but 2 days later I get a notification that my personal credit reflected a loan for XXXX to a company called time payment the contract was signed Thursday I notified XXXX XXXX that I didn't produce on Friday I sent her an email to terminate my contract and notified time payment I tried calling time payment to notify them but was on hold for 45 min then told to leave a message and just now they tried to deliver half of the product on XX/XX/2023
Consumer complaint received 2023-06-05
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. (FL)

In accordance with the fair credit reporting act XXXX  account # XXXX, XXXX, XXXX, XXXX, has violanted my rights. 

15 US 1681 Section 602 states I have a right to privacy.

15 US 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 US 1666B : A Creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-06-26
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. (OH)

I have info on my credit report that is not mine and I contact the companies and advised them, that the accounts do not belong to be but they are still reporting to my credit report. the accounts are listed below, and this as much info as I know. 

XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Balance {$1800.00} XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX
Consumer complaint received 2023-06-05
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. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX  XXXXAccount number XXXX XXXX XXXX/ Account number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act
Consumer complaint received 2023-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (WI)

can not get my credit report when i apply for credit they can't see my credit score or credit report does not have my address on file i have sent them a copy of my drivers license they still do not update i tried paying for credit score they still won't give me my credit report or credit score only shows old credit report from XXXX  on nothing current and refuse to give me my credit reports or credit score. 
can not get my credit report when i apply for credit they can't see my credit score or credit report does not have my address on file i have sent them a copy of my drivers license they still do not update i tried paying for credit score they still won't give me my credit report or credit score only shows old credit report from XXXX  on nothing current and refuse to give me my credit reports or credit score. 
please update my credit file with a correct address of XXXX XXXX XXXX XXXX XXXX wi XXXX and give me my current credit report and score or i will file lawsuits you are requried by law to update my credit file with the correct information. please fix my credit file and give me the correct credit score and credit report or i will file lawsuitscan not get my credit report when i apply for credit they can't see my credit score or credit report does not have my address on file i have sent them a copy of my drivers license they still do not update i tried paying for credit score they still won't give me my credit report or credit score only shows old credit report from XXXX  on nothing current and refuse to give me my credit reports or credit score. 
please update my credit file with a correct address of XXXX XXXX XXXX XXXX XXXX wi XXXX and give me my current credit report and score or i will file lawsuits you are requried by law to update my credit file with the correct information. please fix my credit file and give me the correct credit score and credit report or i will file lawsuits