davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
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)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

In XX/XX/XXXX, Citizen 's Bank and their financial lender, XXXX, incorrectly sent my private student loan into collections due to their own negligence. At the fault of these companies, my private student loan was sent to a collections agency and created a path of delinquent credit reports for me ever since then. My account was then noted as a charge-off for almost a year until these companies realized their own errors. The only action they took was seeking the loan back, so that they may continue collecting money. However, this resulted in my credit score plummeting. I have contacted these companies many times with no resolutions. Their customer service from the start was horrible, as they delayed communication and even neglected to give me my own personal account information. The best part is that this whole time, I was in school full-time and my account had been placed in forbearance ( since roughly XXXX ). Still to this day, my report is inaccurate. They have inaccurately reported false missed payments, as I never needed to make payments in forbearance. I only have 2 loans through these companies, yet they inaccurately have reported 2 accounts each ( totaling 4 accounts on my report ), which has negatively impacted my credit. They refuse to fix anything on my reporting, I have even gone through several disputes with XXXX ( which is just as bad as catching faulty, inaccurate reports even when spelled out for them ) and XXXX to resolve these issues, yet my credit score happens to be the only thing suffering because of negligence on behalf of all these major corporations.
Consumer complaint received 2024-04-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

Went to pay citibank XXXX preferred credit card on XX/XX/XXXX for the amount of {$300.00} on their app. 

The bank I believe manipulated the payment/ or there was a glitch- took full balance {$10000.00}. I also saw payment for {$300.00}. Of course I didn't intend on making a payment in full. 

I immediately called the bank within minutes, and they told me the couldn't reverse the payment, I had to wait until it was processed and to call back in 24hr. I then called my bank Citi ( where the money was drawn from )- they told me they couldn't assist, it was on the citi card side, they couldn't stop payment. 

I called the next day XX/XX/XXXX, the representative said no problem we will put in a claim to have it refunded, I should receive payment/ refund in 5 business days. 5 business I followed up, I was told my request was denied because I hate a late payment of XXXX at this point, they couldn't refund me back the full XXXX, XXXX but could substract XXXX and refund me the difference. I was fine with that, I spoke to XXXX and that request was processed. The same day I spoke to her on XXXX, I noticed citi dropped my credit limit on the card to {$300.00}. I called back to see what the issue is and was told, that is a seperate, unrelated issue and the refund/ reverse payment is still being processed. Still needed to wait the 5 business days, then 10-15 days. I received in mail, a letter dated XX/XX/XXXX, that if payment was refunded, your account would be over the assigned credit limit. Do note, my credit limit on this card hasn't changed in over 5 -7 years. My credit score is in good standing. I never was late on payments and how do they just drop my credit limit, even when the card was paid in full, at this point. Makes no sense. 

Can you look into this matter. How dare they keep my money, which put me in a financial bind with my other bills and obligations. How dare they switch my credit limit, to manipulate and justify keeping the money. Although I had a balance on the card, I never was late on payments. 

This is matter seems very suspect and I feel I was manipulated by the bank. It is hard to speak to anyone above and beyond the bank representatives. I'm not sure this is racially motivated or what the motivation for keeping my money was, but this should not have happened. I should have recieved my money back.
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (WA)

The company Creadance Resource Management has reported a collections account on my credit report as of XX/XX/2023 for {$190.00}, and having listed XXXX and the original creditor. 

I have contacted XXXX as we as their collections department, and verified that they do not and have not had my information associated with any account. 

I have verified that they many other people have reported this same occurrence from this company. Although they are listed at an address in XXXX Texas ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) phone calls to them have been redirected to XXXX. 

I believe Creadance resource management is a fraud group, and would like this investigated. I will attach screenshots of reviews from other victims of this organization.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2020-03-12
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (NY)

XX/XX/2019 {$82.00} XXXX XXXX XXXX company catalog company stated balance due. on XX/XX/2019 I rec 'd letter stating good news..there is a XXXX  balance on your acct. fast forward XX/XX/2019 I made an order in total of XXXX.. all items I purchased went thru credit card OWNED by XXXX  XXXX XXXX/ XXXX XXXX, per their recommendation. All items were returned with tracking and signature confirmation to the company,, due to poor quality and incorrect sizes. between XX/XX/XXXX-XX/XX/XXXX..No credit issued for my returns. Was promised at that time that supr " XXXX '' would call within 24-48 hrs to resolve situation. he never called.. I have no  merchandise. This company has harrassed me for over 10 months and has affected my health and affected my credit score. still sending me bills latest total is over {$350.00} ... ALSO STATING ANOTHER COMPANY IS now GOING TO COLLECT. I am in dire need of your help please. I tried to settle this on my own and as you can see I got nowhere. This company is fraudulent and harrasses people. I have proof of all my intentions to settle this if you need copies. I want my personal credit score fixed please. I also want peace of mind.. thank you
Consumer complaint received 2023-09-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe (MA)

I was approved for a loan of {$940.00} on XX/XX/2023. Since then, I have paid amounts of {$270.00} every two weeks starting on XX/XX/2023-XX/XX/2023 ( a total of 9 payments equaling {$2400.00} ). At this point, I will never be able to pay off the less than {$1000.00} that I borrowed due to the extremely high interest. I feel as if I am being robbed all for {$940.00} that I needed to quickly put a first, last, security depodit, and broker 's fee for housing. I need this to stop.
Consumer complaint received 2023-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXXXXXX Validate Account XXXX  The inquiry was not authorized I sent a letter the credit bureaus to do an investigation into my credit report to validate the accounts on my credit profile. I received a response stating that after the investigation that the accounts were all validated and updated. I viewed my updated report and even after their investigation there were still inaccuracies and inconsistencies on my report. 

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 that person knows or has reasonable cause the information is inaccurate.
Consumer complaint received 2023-04-06
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: JPMORGAN CHASE & CO. (NJ)

JPMCB AUTO  made an unauthorized enquiry on my credit profile on XX/XX/, i have made several efforts to have this removed but was unsuccessful.
Consumer complaint received 2023-09-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I have been in my home 20 plus years and it was a Conventional loan backed by XXXX XXXX in XXXX. I pay PITA monthly and my interest rate is XXXX fixed. I am on XXXX so I am on the Homestead exemption act for my taxes. The taxes decreased in XXXX to {$1700.00} per year, current on taxes and monthly payments! My homeowners insurance I recently changed to XXXX XXXX and it is decreased now to {$890.00} per year. I paid {$800.00} on XX/XX/XXXX to the escrow account which will sit there! I was told I am short of the escrow shortage {$2300.00} - XXXX paid = {$1500.00} left to pay which they will increase my monthly payment by {$190.00}. They will not connect me to an escrow agent, they told me they will mail out an application to modify the loan? I thought escrow means the monthly mortgage payment that I am paying already should be set up in a third party escrow account and that would pay my taxes! The explanation I was given is because mortgage co had to pay the difference when escrow was short for people who are on XXXX like myself, so the federal government is now requiring the next year to be paid in advance.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX Dear Sir/Madam, I am writing to dispute the following items on my credit report : XXXX. XXXX XXXX account ending in XXXX, which was charged off. 

XXXX. XXXX XXXX account ending in XXXX, which was also charged off. 

XXXX. Collection account from XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX. Collection account from XXXXXXXX XXXX XXXX XXXX XXXX 

XXXX. Charge off account from XXXX XXXX XXXX XXXX. 

XXXX. Charge off account from XXXXXXXX XXXX XXXX XXXX 

XXXX. Inquiries from XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

I believe these items are inaccurate and not reported in compliance with the Fair Credit Reporting Act ( FCRA ). As per the FCRA, credit reporting agencies are required to report accurate information and conduct reasonable investigations into any disputed items. 

I am disputing the accuracy of the aforementioned accounts as I have reason to believe that the accounts were not reported accurately. I have never held accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, I did not authorize XXXX XXXX to conduct an inquiry into my credit report on the dates mentioned. 

I request that you conduct a thorough investigation of these accounts and remove them from my credit report if they are found to be inaccurate. I also request that you provide me with a free copy of my credit report once the investigation is complete. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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

Please update my address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1994 My only employer is XXXXXXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Consumer complaint received 2023-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am attaching copies of all letters sent below.
Consumer complaint received 2022-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX  days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (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 2024-04-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (VA)

I sent Midland Credit Management this email on XX/XX/XXXX. They still continue to call me. This XXXX XX/XX/25, it was barely after XXXX. I have dealt with this company regard this same debt before. They know it was resolved XXXX years ago, but they continue to harass me. This needs to stop. Email I sent to them below. Please help. XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX ( 2 days ago ) to me XXXX XXXX XXXX This is an automated response to advise you that your submission has been received. This message has been sent by a notification system, please do not reply. 

We have received your inquiry with the following information : Name : XXXX XXXX Last XXXX of XXXX : XXXX Email Address : XXXX Address : XXXX XXXX XXXX XXXX XXXX City : XXXX Zip Code : XXXX State : VA Type : Cease and Desist Removal Description : This account was resolved over a decade ago and I've told you about this before. I am contacting my state attorney general and CFPB about MCM as you keep sending me the same information and disregard the facts. Do NOT contact my phone ever again. Send me an email to XXXX to let me know that you have received this and updated your records. Thank you, XXXX XXXX According to the form that you filled out, you have authorized MCM to send you emails. 

Thank you, Midland Credit Management This communication is from a debt collector. 
XXXX XXXX XXXX Case Number : XXXX
Consumer complaint received 2023-09-11
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: EQUIFAX, INC. (TN)

I am a victim of identity theft and I have tried to remove these accounts from my credit reports. I have filed the correct paperwork and nothing has happened. I have asked for copies of the process per the FRCA and still nothing has happened. My paperwork is not being attached to my disputes
Consumer complaint received 2021-05-18
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. (NY)

I demand that all three credit reporting agencies remove the XXXX debt with account number XXXX ... This debt is far beyond the statute of limitations for the states of New York ( 6 Years ) and Florida ( 5 Years ). Any further reporting of this debt would be in direct breach of the terms outline in the fair reporting act.
Consumer complaint received 2022-12-03
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

+ 15 USC 1666B : A creditor may not treat u payment on a credit card account under an open end consumer credit plan as late fu purpose.
Consumer complaint received 2023-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury 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 2022-12-06
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: EQUIFAX, INC. (NJ)

I recently checked my credit and notice this company has placed a collection on my credit. I have no knowledge of this company or even had an account with the original company which is XXXX. I called to confirm with XXXX that my name was not on my XXXX electric bill because my husband has been taking care of this bill for over XXXX years. They confirmed that my name was not on his account. I called the XXXX XXXX XXXX over XXXX different times and once I gave my personal information they hung up the phone on me. I have recording these incidents with the witness of my attorney. I was a victim of Identity theft years ago and noticed upon my release from prison that my personal information had been compromised. XXXX long years of proving the accounts did not belong to me they were finally removed and now this is happening. I have kept all of my passwords and personal information very safe so I'm not sure how this came about but I'll love for someone to please help me. After years of prison and changing my life this is a step back for me especially because this isn't my debt. Please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX