davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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. Thank you.
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

Noticed XXXX statement with a balance of {$16000.00} and no way charged that. Noticed charges for department stores out in another state, XXXX charges that had foreign charges, and consultation fees. Informed Citibank in XXXX regarding all these charges, was on the phone with them for a long time going over every transaction. Received a letter in XXXX that they were investigating. Called back in XXXX to find out status but they kept having to send a code letter to find out anything and every time same answer was being looked at. In the mean time they were expecting a payment on the card every month even though the dispute was not resolved. Have talked with these folks every month and this month ( XXXX ) they are still not giving any details about their investigation.
Consumer complaint received 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit, Inc (OH)

On XX/XX/XXXX, I contacted Volkswagen Credit and informed them I received my car title and my name on the title was not correct. I was advised to mail the title back via regular mail and they would correct the issue. I mailed the title back on XXXX XXXX via regular mail as advised. On XX/XX/XXXX, I contacted Volkswagan Credit again that I have not received the title with my correct name. I was advised to go to DMV and they would fix Volkswagans mistake since that title is in my maiden name. I updated my legal name with Volkswagan in XX/XX/XXXX and was advised no additional paperwork was needed to update my name change. On my online account my correct name is listed. The DMV treats any changes to the title without the title as a duplicate and charges a fee. I am just looking for Volkswagan Credit to correct my title with my correct legal name.
Consumer complaint received 2022-10-23
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. (NY)

I contacted XXXX XXXX on XX/XX/XXXX and spoke with agent about the late payment history on my mortgage account. 

I was in forbearance in XX/XX/XXXX to XX/XX/XXXX due to Covid and being furloughed. 

I paid all past payments that were in forbearance in XXXX of XXXX when i returned to work. 

I was told by XXXX the forbearance allowed my payments to be late due to being furloughed due to covid and would not reflect and ruin my credit report its being reported to trans union that my account shows late payment. trans union stated on XX/XX/XXXX that the information is correct. 

My account should not reflect late payments. 

Can you please help in getting this corrected?
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (AZ)

In XX/XX/XXXX, I financed furniture through Synchrony bank ( bank chosen by furniture store ) with a 0 % interest loan expiring in XX/XX/XXXX. I set up recurring payments every month. I unfortunately ignored monthly statements from Synchrony as I presumed it was just useless data. I never received ANY emails or texts. My bank was apparently late on funding Synchrony several times and I unknowingly incurred late fees. After my final payment in XX/XX/XXXX, I kept on getting monthly statements, which I finally opened in XXXX. This showed {$300.00} in late fees and {$1100.00} in back interest to day 1 in XXXX. 

I called immediately, escalated to an account manager and she denied waiving any fees, even though I dutifully paid every month and my financed loan was {$0.00} by the time the promotion expired. Now I owe {$1400.00} from an original {$2900.00} purchase - which I PAID! Since I called about my account I have been getting emails and texts almost every day explaining my outstanding balance. Even after explaining I was not some deadbeat person not paying their bills, they refused to be human and do anything. Shame on me for not checking my mail. Shame on Synchrony for their behavior, unwillingness to be reasonable and treating me like a deadbeat.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (NY)

These are unauthorized inquires. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent out letter to all the credit bureaus XXXX Equifax and XXXX on XXXX
Consumer complaint received 2023-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (NJ)

I'm being charged a maintance fee and credit protection fee that I did not sign up for. If my payment is {$25.00} they are taking most of my payment and applying them to fees I only have about XXXX dollars applied towards my interest my balance keeps going up with out me hardly using my credit line.
Consumer complaint received 2024-03-12
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. (IL)

I have been a victim of identity theft and I have sent out multiple letters and reports from the ftc in which I was prompted to provide. These letters and FTC reports were sent out on XX/XX/2024 and I have yet to hear back from XXXX, Experian, or XXXX. This dispute was not done in error and it is coming from myself XXXX XXXX and not a third party. I need these unauthorized accounts and inquiries removed immediately because they do not belong to me AND I DID NOT GIVE MY CONSENT TO OPEN OR FURNISH THESE ACCOUNTS TO MY CREDIT REPORT. my information was breached in the XXXX data breach as well as experian and transunion data breach. It's been well over 30 days and it's now A MUST YOU DELETE AND REMOVE ALL DISPUTED ITEMS IMMEDIATELY!! MY DRIVERS LICENSE IS ON EVERY LETTER AND MY PROOF OF ADDRESS IS ATTACHED
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

This information is fraud I demand immediate removal and block future reporting. 



1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2023-06-20
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: FIRST CITIZENS BANCSHARES, INC. (NC)

I called XXXX on XX/XX/XXXX to ask why my credit score had changed. The operator couldn't explain why tried to put me through to another department, that didn't happen. On XX/XX/XXXX I received in the mail from XXXX a credit report saying that I requested it but I did not. Today XX/XX/XXXX I have been on the phone numerous times trying to get someone to explain why a company did a search on my account. It states it was done via XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX which is a transunion phone number. Many people are complaining online since at least 2013 about this company doing credit checks and charging them without their permission or ever having done any business with them. Yet they are still operating under the name of XXXX. I am still on the phone with XXXX as I am writing this complaint waiting for someone to answer my question that no one seems to want or can't answer. Why are they still doing business with these people? They're a credit agency that should be protecting us! I also have XXXX of XXXX that requested a check, why, I've never applied or done any business with them.
Consumer complaint received 2023-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

This information is fraud I demand immediate removal and block future reporting. 



1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice. 
5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you cant provide these items Delete them.
Consumer complaint received 2023-12-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (TX)

The companies listed below are constantly reporting false information to the credit bureaus and I previously made a complaint and nothing was done. I have them as a collections on my report that should not be there. These are violating my legal right to privacy and I would like it to be resolved. They have yet to provide proof of any written agreement from myself. Their accounts were created illegally against my authorization violation the fair credit act and my right to privacy.
Consumer complaint received 2023-09-13
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. (FL)

PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I HAVE FILED A REPORT FOR FRADULENT ACTIVITY
Consumer complaint received 2023-09-13
Product: Credit reporting 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. 
The accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C. 1681 section 602 A, states I have the right of privacy.

-15 U.S.C. 1681 section 604 A section 2, states a consumer reporting agency can not furnish information on an account without my written instructions.

-15 U.S.C. 1681 C ( A ) ( 5 ) section, states that 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 antedated the report by more than seven ( 7 ) years.

-15 U.S.C. 1681 S 2 ( A ) ( 1 ) states, a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (KY)

I applied for the card and was accepted. I had to use it for dental appointments. I was NEVER late and always paid more than the amount. Recently with no warning they increased the amount and now the interest is almost as much as the payment!! I asked why they raised it. Their response was because I had too many credit cards. First of all that is none of their business. I pay all my bills on time and usually more than what the payment is. This is just a way to get more money that I do not have. I have already decided to cut their card up. I find this type of business to be very unreasonable. How am I to pay them off if I can't afford the payment. No wonder people are filing bankruptcy. Citi would rather lose customers than gain them!!
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I live in XXXX XXXX but visit Florida because my in laws live there. I visited over the summer and this past winter. I believe someone used a skimmer to steal my credit card information. 

They posted three charges at the XXXX XXXX XXXX. 

XX/XX/XXXX XXXX. XXXX XXXX  - XXXX $ XX/XX/XXXX XXXX. XXXX - XXXX $ XX/XX/XXXX XXXX. XXXX XXXX XXXX $ I have been a loyal customer to BOA for 13 years and they are not backing me. 

the total charges is XXXX. I did not spend that amount. They are denying my claims. 

I was in XXXX XXXX during the time of this incident when I was aware of the charges I called my bank to change my card immediately. 

I've heard this is frequent with BOA.
Consumer complaint received 2023-09-13
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC (WA)

Received loan during XXXX epidemic. I didn't know the interest rates was enormously high to the point it keeps you in debt I also didn't know they were involved in lawsuits and had such bad reviews. None of your payments go towards your loan at all. And I had gotten XXXX  and was out of work for XXXX  Months and I told them this as well. They are a predatory and scamming company who should be shut down.
Consumer complaint received 2017-04-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I am writing in regards to my property located at  XXXX   XXXX   XXXX . I have filled many previous complaint with your office.     I received a letter from Nationstar Mortgage dat e  d  XX/XX/XXXX . The letter states that my mortgage is past due and I owe {$110000.00}. The letter says that I have until  XX/XX/XXXX  to cure the default. If the default it not cured by  XX/XX/XXXX  it may result in acceleration of the sums secured by the secure instrument, foreclosure proceedings, and sale of th e property.     Before I could respond to the letter I got a letter from Nationstar 's atto rney   XXXX   XXXX   XXXX   XXXX   XXXX  . This Letter  is dated    XX/XX/XXXX   a nd states that they are foreclosing on my property listed above.        XXXX   XXXX   XXXX   XXXX   XXXX   's Le tter contradicts Nationstars letter. In addition I am really not sure why Nationstar is stating I owe them {$110000.00} to bring the loan current. My   XX/XX/XXXX   statement says that I owe them {$100000.00} to bring the loan current. M y  XX/XX/XXXX  s tatement says I owe them {$100000.00} to bring the loan current. Also the    XX/XX/XXXX  st at es that my payment is {$1100.00} with {$1100.00} going to interest and  XXXX  going to escrow. My    XX/XX/XXXX      statement stated that my Payment is {$1400.00} with {$1100.00} going to interest and {$300.00} to escrow. Each statement has a default letter included with it ( please scroll to page  3  of the statements ) that states my payment amount is {$1700.00}.     I am not really sure why I am accruing monthly payments at all since this mortgage was accelerated way back o n  XX/XX/XXXX . T hat letter from  XXXX   XXXX  that I received  on 2/14/11  stated I owed {$230000.00}. It does not say anything about monthly payments still accruing since they called the whole loan amount and late payments due. This letter from  XXXX   XXXX  should also prove that  Statue of Limitation  to Collect on a promissory note has expired.     I have been arguing back and forth with the bank regarding this loan for more than 7 years now. All I have ever asked for is accurate figures and documents. They continue to send me more and more conflicting information. They are asking me if I would like to do any work out options but how can I when they ca n't even get me consistent accurate figures? I have thought all along that this loan was duplicated and there is more that  one  loan for my  1 pr operty. Do we let banks foreclose in the state of Colorado without even having accurate figures?     Lastly I wanted to ask about the legal fees. I think that them asking for close to {$9000.00} in legal fees is excessive especially since it is mostly due to me needing to defend myself against their lies.
Consumer complaint received 2024-03-12
Product: Credit reporting 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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-12-08
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)

XXXX ( XXXX ) are reporting accounts without written permission! I never gave any consent to report these accounts. All reporting agencies ( Experian, XXXX, and XXXX ) are showing this harmful information to my consumer report. How did you all get my information! Someone is illegally sharing my information ( the financial institution ) 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

How did XXXX get my information if I never authorized this!? 

Section ( b ) Financial institutions safeguards ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and My information has been exposed! You have caused me harm & danger. 
Who gave you all access or was there a breach!?