davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OR)

I received a promotion from Citibank stating if I open a new checking account and make deposits and use my ATM card within 90 days of opening the account, I will receive XXXX air miles WITHIN 30 days of meeting these requirements. 

I met these requirements as acknowledged by Citbank, but they will not honor the within 30 days clause and tell me that they will make it 90 days. I have escalated this showing them the promotion i was offered. They will NOT honor their own promotion. I have travel plans that I was counting on these airmiles and Citibank decides to change their own rules as they desire.
Consumer complaint received 2023-07-18
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)

I opened and account with XXXX XXXX - XXXX in XXXX of XXXX. I had an account with them until XXXX of XXXX. I owed and outstanding balance of XXXX which I paid in full on XXXX of XXXX. After full payment the account still remains as open and delinquent. This delinquency is giving me a negative impact on the credit report. I have called the lender, XXXX XXXX XXXX at XXXX ( XXXX ) XXXX, since the account was suppose to be closed. They stated there was nothing they could do and wait until the negative mark goes off the report. It has been 3 years and the charge still shows.
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (CA)

XXXX of XXXX, my loan was transferred from Newrez XXXX to Newrez Shellpoint. In that transfer, Shellpoint claimed the XXXX check was missing. I provided copies of the check electronically and in paper form. A domino effect occurred because I pay {$1700.00} every month. The check is mailed by the XXXX of each month. {$220.00} of that is to be applied to the principal. In other words, I add to the payment each month {$220.00}. They claimed XXXX check was received and they used the extra payment to cover the missing XXXX check. They did this for several months causing late fees and reports to my credit bureau to accumulate. Each month I have been talking to a representative of Shellpoint. They all say they will open a complaint. Nothing gets fixed. XXXX months later, I talk with XXXX XXXX in Customer Service. He claims to have much knowledge about my case. He tells me to call XXXX about the XXXX check. XXXX has XXXX # XXXX and she confirms that XXXX check was transferred to Shellpoint on XX/XX/XXXX at XXXX a.m., confirmation number XXXX. XXXX reply was " oh, we are missing XX/XX/XXXX 's check. '' I then certified mail Shellpoint in XXXX, South Carolina not only copies of XXXX XXXX check but also XXXX, XXXX, XXXX, and XXXX. 
I just got another phone call yesterday, they are missing XXXX XXXX check. My bank account reflects they already cashed it. XXXX check was sent on the XX/XX/XXXX and on XX/XX/XXXX they claimed they hadn't received it yet. They are poor at communication and applying payments on time. I will furnish my numerous documents at a later date.
Consumer complaint received 2023-02-15
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. (NY)

I writing today because I am stressed out and tired of the futile efforts of disputing with Experian. I have brought to their attention since XX/XX/XXXX when I received my credit report and saw inquiries that were never authorized by me and I have no knowledge of. I tried resolving it with Experian, until today, XX/XX/XXXX and they have ignored all of my requests even after sending an FTC report that they requested ; they are violating my rights. I will be attaching all documents, thank you.
Consumer complaint received 2022-09-06
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. (IL)

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I made frequent payments on my card to keep current due my usage. The beginning of XXXX I made a payment of XXXX and Capital One restricted my card for payment. I contacted Capital One right away to verify payment along with 10 additional calls over the past month XXXX to clear my account. I have yet to get resolution and was informed the fraud management specialist would contact me. I have not heard anything. I called again XX/XX/23 still no resolution. Now my card is reported negative on my credit report for delinquent payment and this unacceptable. Poor business practices within Capital One especially when I am contacting the company to resolve snd continue business.
Consumer complaint received 2022-09-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

Re : XXXX XXXX - {$8300.00} Again, I am requesting that this entry on my CR be removed immediately. 
Experian has refused to show any physical signed documentation that this belongs to me. 
I am requesting that you show, this being valid and belonging to me with signed paperwork. 
If you can not show this, this entry will be removed from any report with my name and social security number.
Consumer complaint received 2022-11-27
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Tesla, Inc. (CA)

In XX/XX/2021 I paid an order fee of {$250.00} to reserve a XXXX XXXX XXXX and was given a reservation number : XXXX. A year later has passed and I finally got a notification that it was time to secure financing and take possession of my new XXXX. Well unfortunately due to credit issues I was unable to secure an auto loan and I tried with several financial institutions which probably made my credit worse with all the inquiries. I was informed by Tesla Representatives that if I didnt secure financing in a timely manner that they would cancel my Reservation number that I paid for. I just couldnt get anyone to do the financing so Tesla cancelled my reservation number with no hesitation. I have reached out to XXXX for them to please give me consideration and reinstate my reservation number to which they refused. I asked them What is the incentive for XXXX to come back to XXXX to buy a car if they are loosing money with you like this? This is not a good experience non-whatsoever. I got a very generic response which was : I understand. And apologize for your experience. Unfortunately, the only way to move forward is to re-order at the current price point.
Consumer complaint received 2016-08-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (VA)

I never opened an account with XXXX or Credit Control. In XXXX of 2016, My parents forwarded me a letter that was sent to their house at a XXXX address. After reviewing my credit report, it appears there is a company called Credit Control , LLC located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX w/phone number XXXX. I have since mailed a letter to Credit Control to ask them to provide correct information. I want to know how they are allowed to collect on this alleged debt, who owns this debt, and if to understand what legal precedence thy have to contact me. If in fact they can prove they own the debt. I 've heard of companies collecting on debts they do n't owe and I 'm trying to do the right thing and get all of this misinformation cleared up.
Consumer complaint received 2023-05-23
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. (GA)

This is my 6th 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 XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$880.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-11-28
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. (PA)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-21
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn-out of sending dispute letters to Experian requesting that they correct this mistaken account being stated on my Credit File because they have been doing nothing! This complaint is to follow up my prior protests and letters I submitted on XX/XX/XXXX and to notify them that I am halfway of taking lawful action and litigate Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the account on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The account that should be adjusted is : XXXX XXXX CT XXXX XXXX XXXX XX/XX/XXXX Balance $ XXXX Late Date XXXX
Consumer complaint received 2024-03-08
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (MI)

They let someone come in there bank open an account and cash checks in my name they stole my inheritance and they allowed them to sign an affidavit saying they confess its me. 
I dont have an account with them so i cant have any information besides whats been giving they not going give me all this money bk. I still think that there commiting fraud in my name my grandma had accounts with XXXX XXXX XXXX and my aunt had accounts with pnc once they passed i never recieved a will or anything i believe they all have something to do with this if you can recover anything for me it will help thank you XXXX XXXX XXXX
Consumer complaint received 2022-11-28
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)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-11-21
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. (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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) 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 ) ( 1 ) 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 2015-07-29
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Allied Financial Group & Associates (Closed) (SC)

I did not give permissable authorization for XXXX XXXX to request or view my credit report for a vehicle loan nor did I need financing from any of the lending agencies they solicited my SSN # to. Allied Financial used an erroneus address to fraudlently produce a loan application. The actions taken by this company were fraudlent and the finance represent named XXXX was fired after I reported her and salesman XXXX XXXX that they violiated my credit privacy. I hereby warned XXXX CEO and store manager XXXX that I demanded their office to remove their inquiries from my consumer credit reports. No where did I sign application or ask for a single dollar from this affliation.
Consumer complaint received 2023-07-17
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Coast2Coast Mortgage, LLC (VA)

at XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX called and was a robo call so I hung up At XXXX XXXX I than received an e-mail from him stating to call him about a loan for a mortgage- I responded- I am only looking- I already have mortgage co - thank you - At XXXX rec'vd another e-mail form him stating he could beat the competition- I responded - PLEASE stop - already have company - then received another e-mail- I then sent e-mail to stop that it was harrassment - At XXXX I rec'vd e-mail stating " Good Riddance '' I am reporting him for his unprofessionalism and harrassment
Consumer complaint received 2023-07-18
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. (NE)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 — Old information reappears or never goes away
Company: EQUIFAX, INC. (MO)

I am submitting another CFPB complaint to follow up any response from you after the 30 days of investigation. As I revived my Credit file I have noticed that there are still items that are reporting as inaccurate and incomplete in information. 

Please conduct another investigation to the following information and send me the notification that the disputed items have been deleted. 

XXXX XXXX XXXX XXXX : {$430.00} How many times do I have to point out that this account 's payment history is inaccurate and deceptive? I have been contesting for the removal of the late payments from this Account 's payment history in order to repair this account, but you have done nothing. Please entirely remove the past-due payments from this account. 

XXXX XXXX XXXX Balance Owed : {$0.00} You continue to list this account as being past due despite the fact that it has been closed and has no balance. Credit Reporting must be accurate in accordance with the Fair Credit Reporting Act. How can you incur late fees on a closed account with a {$0.00} balance? I need you to entirely remove this account from my credit report or to remove the account 's history of late payments. 

XXXX XXXX XXXX XXXX : {$160.00} I can't possibly be late with this account report 's dates. I've been maintaining a separate record of payments, and their information differs from mine. Credit Reporting must be accurate in accordance with the FCRA. I ask that you either totally delete this account from my credit report or erase the late payments from the account 's payment history. 

XXXX XXXX XXXX XXXX : {$2600.00} Accounts with chargeoffs must indicate a XXXX balance! Since there is no question that this account is a charge-off, how could you record it with a balance of {$2600.00} if it is a charge-off? I've been asking you to clear the balance and update the account 's payment history, but you've remained silent. I'm asking that you immediately delete this account from my credit history.