davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

I opened my account, After a couple of weeks I was trying to put the minimum amount of money to avoid fee charges and my account was blocked. 

All the transactions I made were done by me via XXXX wirh my other bank accounts. 

They are saying they are working on this but I find it outrageous that my account got closed without any prior notice email or something to back up their actions
Consumer complaint received 2023-10-06
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I disputed a charge from XX/XX/XXXX  for {$67.00} for an order from XXXX XXXX  which was never received. I was given a conditional credit on my credit card statement. On XX/XX/XXXX  Capital One reversed the conditional credit, apparently indicating that I lost the dispute. 

Capital One gave me no chance to submit complete information about the dispute. Capital One never told me of the vendor 's response to the dispute. Capital One never gave me a chance to contest the vendor 's claim to the dispute. Capital One never even told me the resolution of the dispute, they just snuck the new charge into my statement calling it a " Purchase Adjustment. ''
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC (FL)

I was a victim of identity theft. XXXX was one of the credit cards that were fraudulently taken out in my name. I spent hundreds of hours trying to correct it. They would not cooperate with Sheriffs Dept until they were threaten with the state attorney. I had to get a lawyer before they would take it off my credit report. This was around XX/XX/21 Then out of spite I'm guessing they sold this off to a credit collection agency. I was notified around XX/XX/XXXX of this year by ACI that I owed money on this debt again of identity theft! I explained to them I did not owe them. I was hung up on. And harassed me repeatedly. They called family and friends telling them about my file! Recently found out they hit my credit with this debt again after it was taken off.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BROKER SOLUTIONS, INC. (MS)

I applied for a HELOC loan with New American Funding. They stated that they perform a soft credit pull to prequalify. After prequalifying my score was not approved due to some thing on my report needing correction. After those things were corrected, I requested for another soft pull ( just as they did with the 1st soft pull ) to see if I would be approved. When asked in the email, the rep XXXX did not respond, but he performed a hard pull in which I did not authorize. A soft pull was performed 1st and I was requesting the same to see if I was approved. The rep XXXX is no longer with the company. I received an unauthorized credit inquiry XX/XX/2023. 

Please remove as I did not authorize this credit pull I have enclosed emails asking about a soft pull as was performed before but received a hard pull and email not answered.
Consumer complaint received 2022-12-08
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: Experian Information Solutions Inc. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-17
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. (GA)

In accordance with the Fair Credit Reporting act 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 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!
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (KY)

CRAs took way over the 30-45 allotted time to get back to me with their verification process on how they verified items they were reporting that was inaccurate and violating United States Codes that protect me and other consumers! 

The accounts in question and wanting the process for are : XXXX XXXX XXXX XXXX ( which gets removed and added back without sending document on re adding ) XXXX XXXX XXXX XXXX XXXX ( debt collector who will not leave me alone ) XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-25
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. (MA)

Around XX/XX/2024 we noticed our Costco Citi Visa credit card was being charged at various XXXXXXXX XXXX  around XXXX  and XXXX  for similar value charges ( ~ {$99.00} each time ). There were 14 charges going back to XX/XX/2024 for a total of around {$1400.00}. It appears that our credit card was skimmed at some point, since we were still in possession of the card. 

Citi investigated and responded with " Customer Responsible ''. We believe Citi 's fraud detection algorithms should have caught this in XXXX, since there were 3 charges on 3 consecutive days at 3 different XXXX 's for the same amount and that we should be reimbursed for the charges.
Consumer complaint received 2023-11-12
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. (MD)

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.

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 2024-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CA)

My loan was transferred from XXXX XXXX  XXXX to Mr. Cooper, effective XX/XX/XXXX in which it was noted that my loan payments, including my PMI escrow account was fully up-to-date ; I don't have insurances or taxes taken out, only PMI. However, on XX/XX/XXXX Mr. Cooper failed to transfer my PMI escrow payment of {$140.00} to my escrow account causing it to be short. As a consequence in XX/XX/XXXX they started charging me an extra {$11.00} ( sometimes {$11.00} ) each month for a year to make up the difference. Throughout the year they continued to make mistakes trying to cover up the initial mistake but instead kept compounding the problem. ( See the attachment showing every loan and PMI escrow payment made based on my loan statements and personal bank account ). As a result as of XX/XX/XXXX Mr. Cooper has an extra {$280.00} in my PMI escrow account by their own records that state over the last 12 months I paid {$1900.00} but only owe {$1600.00} for the next 12 months. {$1600.00} is the original amount I was to pay according to my loan agreement. So they owe me an escrow refund of {$280.00} ( {$140.00} for the missed transferred payment and {$140.00} for the extra I paid over the last year ).
Consumer complaint received 2022-12-09
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXXXXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

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 XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-09
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. (FL)

I submitted a letter to the XXXX Credit Bureaus to UPDATE these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX OF 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 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
Consumer complaint received 2022-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (NY)

Subject : Inaccurate information on Credit Reports To resolve my complaint with 3 Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX Score XXXX ) ( Credit Score XXXX ) XX/XX/XXXX From XXXX XXXX XXXX XXXX is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with XXXX balance and credit age 10 months. Low impact on open and closed accounts. 22 accounts. 

On XXXX  XXXX  - XXXX Credit Report ( XXXX  Score XXXX ) ( Credit score XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX  XXXX  original creditor XXXX XXXX XXXX  {$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX XXXX XXXX XXXX removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts 37. 100 % Payment history excellent Credit card use rating is excellent with XXXX balance on credit card usage but credit age 10 months. Zero Hard inquiries. 

On XXXX ( XXXX XXXXcore XXXX ) XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX original creditor Comenity Capital Bank collection account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX  credit card credit limit {$300.00} was paid on time with no past due amount. XXXX  XXXX  original creditor XXXX XXXX XXXX  date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. XXXX Closed accounts. 
Please correspond and update all inaccurate information accordingly, Thanks.
Consumer complaint received 2022-12-09
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

Subject : Inaccurate information on Credit Reports To resolve my complaint with 3 Credit Bureaus with fair resolutions, I mailed a Good Will letter to XXXX, XXXX and XXXX on XX/XX/XXXX and XXXX XXXX XXXX to update my credit report, keep my accounts in good standing, and fix any delinquent late payments, inaccurate information including derogatory remarks, unverifiable/outdated, and incomplete items/information including removing transferred and third party sold accounts. One discrepancy is ( along with several ) is the different numbers of open/closed accounts on all the Credit Bureaus XXXX XXXX, XXXX and XXXX. Each Good Will letter to all three credit Bureaus was sent with the same information. Below is the Finance Company and Credit Data Corporation with Company names, dates and credit report information : On XXXX XXXX XXXX XXXX Credit Report ( XXXX XXXX  XXXX ) ( XXXX XXXX XXXX ) XX/XX/XXXX From XXXX XXXX XXXX XXXX is showing past due and have derogatory remarks but account was removed. 100 % Payment history is excellent with no Hard Inquires. My Credit Cards use rating is excellent with zero balance and credit age 10 months. Low impact on open and closed accounts. XXXX accounts. 

On XXXX XXXXXXXX  - XXXX Credit Report ( XXXX Score XXXX ) ( Credit score XXXX ) XX/XX/XXXX there are derogatory remarks and in collections from XXXX  XXXX  original creditor XXXX XXXX XXXX  {$610.00} opened XXXX ( not in collections and no derogatory remarks on XXXX credit report ). XXXX XXXX XXXX XXXX removed with no derogatory remarks on XX/XX/XXXX XXXX XXXX XXXX. Number of accounts XXXX. 100 % Payment history excellent Credit card use rating is excellent with zero balance on credit card usage but credit age 10 months. Zero Hard inquiries. 

On XXXX ( XXXX  Score XXXX ) XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX original creditor XXXX XXXX XXXX  XXXX  account showing in dept collection {$1700.00}. That account was removed from XXXX and XXXX credit report between XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX  credit card credit limit {$300.00} was paid on time with no past due amount. XXXX  XXXX  original creditor XXXX XXXX XXXX date opened XX/XX/XXXX high balance {$840.00}, ( but on XXXX report balance {$610.00} opened XXXX. XXXX Closed accounts. 
Please correspond and update all inaccurate information accordingly, Thanks.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Franklin Collection Service, Inc. (IL)

On XX/XX/XXXX, Ive submitted the form given to me by Franklin collection services to contest the charge and receive documentation. I have not received anything back, they have put it negatively on my credit report.
Consumer complaint received 2023-06-23
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. (NY)

XXXX has disabled it's website and/or my account discriminating against me as a consumer from disputing inaccuracies, incorrect, fraudulent data with them directly. XXXX in conjunction with the following credit data furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has and continue to violate several Fair Credit Reporting Act laws. As a consumer I would like to exercise my right to the applicable following laws : 15 USC 6801 Protection of nonpublic personal information, 15 USC 1681a.2 Exclusions 15 USC 6802.a, b, c Notice Requirements
Consumer complaint received 2023-10-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (WA)

I received a letter from Phoenix Financial Services claiming I have a debt from XXXX, with a date of service of XX/XX/13. I requested information from them and they failed to provide me with the requested information. In XXXX  I did not ride in or require an ambulance. I am protected by HIPAA, and had I used the services of XXXX, HIPAA would protect me from my information being shared with 3rd parties. This debt is not mine, I have asked for proof which Phoenix Financial Services failed to provide. 

I will upload a document showing the first letter received by Phoenix Financial Services, my response letter, and their response letter where they failed to provide me with the information requested.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (VA)

I was informed from XXXX that I have been in a data breach and I have disputed items that keep popping back on my credit report my password and email have been found on the dark web. The breach was with XXXX XXXX  and Equifax.com my credit report needs to have the items that are reported identity theft to ever show on my credit report again I have 2 police reports
Consumer complaint received 2023-10-03
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. (IL)

ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.

I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!