davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (VA)

I sent a written dispute letter to XXXX to have them verify any debt they claim I owe. Letter was submitted XX/XX/2023, I was told to give them 30 days and it has been 31 days and I havent received a response! I talk to a manager name XXXX, she didnt want to provide last name and the number she uses is # XXXX saying I need to write another letter and allow 30 days for response! I requested her to remove the inaccurate information from my report but she states she cant do that only the investigation team and they only work through email and po box not a live person! This information has been on my report for a couple of months now and they are not removing this information!
Consumer complaint received 2023-01-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is my third 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I ordered a copy of my report on XX/XX/22 and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX Bureaus have not responded/replied/answered my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete its investigation within 30 days. Please check the payment history, date open, last activity, and Statuses of XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance XXXX {$3000.00} I believe these accounts were reported in error.
Consumer complaint received 2023-02-03
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: JPMORGAN CHASE & CO. (CA)

I reported a fraud charge of {$750.00} posted on my chase credit card on XX/XX/2022 from a merchant XXXX - I don't know this merchant and never did this transaction and provided all the documents to banks fraud team to prove the same and also provided them proof of purchase for my another booking made directly by me directly with airlines. My card information was stolen and charge was posted which the bank investigated but did not settle the fraud charges, this is not acceptable as I provided all the information to the banks fraud team proving no relation with the merchant whatsoever and transaction was not done - their system approved a transaction which I have not done and now they refuse to fix it. I along with bank representatives several times even reached out to the merchant to prove the transaction, merchant did not respond at all and yet bank declared the transaction as valid. I also brought up the concern with XXXX and yet the merchant is adamant. they are not reverting the fraud charges. This is completely unethical and unacceptable, I would like chase bank to immediately remove the above fraud charges and apologize for the time they have wasted from past 1 month, I am afraid chase bank is leaking my information resulting into fraud charges which then they refuse to revert. This needs to stop!
Consumer complaint received 2023-01-07
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. (NY)

The undersigned is obligated to have obsolete information on their credit report deleted under Section 1681c of the Federal Fair Credit Reporting The following account list is obsolete. 
Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-13
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. (FL)

On XXXX XXXX Experian received my request for a reinvention of a XXXX XXXX Bankruptcy. on XXXXXXXX XXXX Experian replied stating the the account in question was verified. How can that be when I provided them with proof from the Bankruptcy court that the case number was INVALID. Experian violated the FCRA 15 U.S.C. 1681e ( b ), Experian failed to maintain maximum accuracy and failed to do a proper investigation. The account listed below still remains on my credit report even though I provided proof from the court that supports my claim, I have also provided proof showing that Experian did not conduct a proper investigation. Please delete the following account from my credit file as it is inaccurate. I have enclosed PROOF from XXXX that this Bankruptcy was Unverifiable, as well as proof from the court, Therefore the following Bankruptcy must be deleted : XXXX Bankruptcy/ Reference Number:XXXX. ATTACHMENTS ATTACHMENTS
Consumer complaint received 2023-02-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (CA)

I have had a paypal account for multiple years, using their debit card option for the same amount of time. Using mostly for things like online shopping, convenience stores, gas, etc. I make the same type of purchases at the same places religiously. 

I've never had problems with my account, so I decided to have my financial aid for school deposited into the account. I'm just a student, I don't work, so this aid would be my means of living for the next few months. 

The financial aid was deposited on XX/XX/2023. 

I made a few of my usual transactions, nothing out of the ordinary, then after trying to make a transaction I was shocked to see it declined. 

This was not more than 2 days later, on XX/XX/2023. 

Quickly realizing my account was marked " limited '' I immediately called customer service to try and sort this out. Customer service tells me not to worry, it will get handled swiftly, and tells me she doesn't even know why it was limited but tells me it will be handled asap. 

The customer service agent then tells me I can still use my card at the store, and I confirm what I'm hearing is correct 3 times with her, and each time she insists that I can use it. 

I test her claims at the gas station just to be declined at the pump. 

I decide to give it two days, as the notice on my limitation tells me I will hear from them about this limitation on my account within 2 days. But, I did not hear back. 

XX/XX/2023 XXXX message paypal support through their message support feature. The agent tells me it is limited because of a transaction. Which transaction, she doesn't know. I tell her I can supply her with any information they could possibly need for me to confirm my identity and confirm I made any transaction. 
I offered my updated drivers license I offered proof of address I offered standing in front of my ID to confirm its me sending it. 

She says they don't need any information from me and gives me the usual script of not to worry. 

XX/XX/2023, I message again and again they tell me to " give it a couple more days it's just a matter of time ''. I am basically begging them to let me confirm my identity or if theres a transaction in question let me prove whatever it is they need to give me access to my funds. Still, the answer is no. 

It's now XX/XX/XXXX. I can't transfer my funds, I can't close my account, I can't use any of my money to buy textbooks I need for class which will result in me having to drop my classes and ruin an entire semesters worth of time. I can't buy groceries, gas, fix my car which just broke down, paying my school registration fees, virtual products I need for my classes, nothing.
Consumer complaint received 2023-01-25
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: CITIBANK, N.A. (NJ)

My Father was compromised with Citi bank CC twice. I am his POA and his daughter. The first time I was not even aware since he was living on his own ( XXXX ) and he called them on his own. They took care of the fraud and I think sent another card. By the time I found out we were together in a dollar store and his card was declined for a mere few dollars. We immediately called roughly around XXXX XXXX. After talking with fraud department, card was shut down and told us not to worry. Since the charges were so many, around {$12000.00}, we were told since he is a long time customer, check off his charges and send a check. The rest was going to go to fraud and taken care of. This was also to be expedited. We did as told, and sent a check for {$500.00} on XX/XX/XXXX and even enclosed a note to remind them. ( why his card was not red flagged immediately I will never understand ). 
We continued to receive bills but were told when I called that it was computer generated and assured it was being taken care of. We then received a letter about the dispute that we were not responding therefore closing the case. I called and re-explained that I was handling this and POA and he was now in assisted living and hard of hearing. Long story short, I have dated and documented all my calls. One call told me the charges were being worked on to not worry. Another Call documented tells me it was zero balance and would see this in 3-5 days. I could not get into his online account and decided that I need not worry since I was already told it was Zero. 
XX/XX/XXXX, I received a letter of collections for {$7400.00}. I have copies of bill and told the collections this story and also submitted all that I could to show them that at XX/XX/XXXX years old his charges were minimal and they should clearly see this. He has no XXXX, no internet, and nowhere to go. I am honesty trying to clear this for him since he has been wronged, and here I am pleading for help.
Consumer complaint received 2018-10-09
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: EQUIFAX, INC. (MD)

I initially sent out dispute letters XX/XX/XXXX to the 3 major credit reporting agencies in order to correct erroneous marks on my credit file. After the investigation period was complete, a lot of the items came back as verified on my Equifax and XXXX report, all derogatory items that I disputed were dropped from my XXXX credit report due to the fact that they could not be properly verified but again, remained on my equifax and XXXX. Im also aware that these reporting agencies MUST by law, conduct a thorough investigation on their own and can not merely parrot or use what an original creditor or collector says as means for verification, they also may not use XXXX to verify. So I am requesting that the following items which remain on my equifax and XXXX credit file be removed immediately. 

Equifax & XXXX XXXX : XXXX XXXX Balance : {$780.00} Opened : XX/XX/XXXX XXXX XXXX Balance : {$450.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Balance : {$75.00} Closed/ Charged Off Accounts : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX {$450.00} XXXX Balance : {$5000.00} ( Balance is incorrect )
Consumer complaint received 2023-02-06
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: Experian Information Solutions Inc. (SC)

In accordance with the FCRA, this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B ; a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-19
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED M

Y ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (IL)

XXXX XXXX credit card company fraudulently reported my payments as 90 days late to force me into collections my next payment due date is XX/XX/2023 of XXXX but I've been reported erroneous and my account is supposedly in collections when I asked for the number to collections I was told it was in house collections and the department was closed and that someone would call me tomorrow after a few days of waiting I called back and was told they don't have a collections company so I asked for the number to the collections company I was informed that it hadn't been assigned to a collection company and that they had sent me several letters that I never received
Consumer complaint received 2019-10-18
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: Experian Information Solutions Inc. (FL)

PLEASE REMOVE THE COLLECTIONS ACCOUNTS FOR XXXX WHICH IS ONLY REPORTING WITH EXPERIAN, WHY WAS IT REMOVED FROM XXXX  AND NOT FROM EXPERIAN? I HAVE ATTEMPTED SEVERAL TIMES AT DISPUTING/REMOVING THIS NEGATIVE ACCOUNT AND NOTHING HAS BEEN DONE ABOUT IT. I NEED TO KNOW THE REASON/S AS TO WHY THESE ACC9OUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORT. I HAVE GOALS I WANT/NEED TO ACHIEVE. THE NEGATIVE ACCOUNTS ARE IMPAIRING EVERYTHING FOR ME.
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.
Consumer complaint received 2023-02-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TriVerity, Inc. (GA)

It happened around XXXX of XXXX I received a letter in the mail on the XXXX of XXXX about a change of address for a credit union, XXXX XXXX XXXX XXXXXXXX XXXX. I called the company to let them know that I do not have an account with them. There security department was supposed to get in touch with me about the account, but they never did. The next time I call they said they were not allowed to give out any information but wanted me to give them my information to see if it matches what they had in their records. 
Later I received in the mail paperwork from, debt collection company, TriVerity, saying they trying to collect a debt for XXXX XXXX XXXXXXXX XXXX XXXX. I have XXXX XXXX XXXX and when I call about this, they said it was probably a scam and to ignore it. I did until they call me and sent some more paperwork from TriVerity again. I recalled XXXX to tell them again and they told me to call XXXX XXXX XXXX XXXX to get records they supposed to have on me, but they refuse saying there are not allowed to give out the information. 
I am in the process now of taking steps to get them to leave me along and get this off my credit and see what else is being done in my name. 
The account on the paperwork from TriVerity is Reference XXXX, account # XXXX
Consumer complaint received 2017-05-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In  XXXX  we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at  XXXX  that initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought m y credit score  down.      The inquiries from  XXXX , which I did not initiate, were on these dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my  XXXX  History is fixed and does n't continue to drop?     Thank you.
Consumer complaint received 2023-02-06
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. (IA)

I have identified information on my reports that are a result of identity theft, these items are not related to any transactions completed by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-10-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (IL)

I have repeatedly had problems with Mr. Cooper 's servicing of my mortgage. They have inappropriately applied additional principal payments multiple times contrary to the loan covenants. Their statements are not correct and their record keeping is impossible to reconcile. When I point out a problem, they " research '' it and say everything is great when it clearly is not. 

For example, my statements dated XX/XX/2019 says that I was charged {$980.00} in interest and {$5200.00} went toward principal. When I look at the payment history ( and my own records ) between XXXX and XXXX the payments totaled {$1500.00}. Mr Cooper says everything is great- no errors! The normal monthly interest is around {$330.00}, not {$980.00}. This is all attached. 

Mr. Cooper also said my payment was late, charged me a late fee and I had ot contact them 6 times to get the issue resolved when it was obvious I made the payment ( it showed on their website with the right amount and date ). 

When you look at their website payment history or they send you " research '' it is ridiculous. They sent me my history and for XXXX, where I made ONE payment they showed over 20 transactions. It is impossible to see what it is going on and reconcile their records even with their own other records.
Consumer complaint received 2023-02-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (NJ)

Hello : MRC Receivables CORP sent me a later stating I owe money from a old debt back in 2005. XXXX XXXX, 2005, MRC Receivables CORP. Court costs {$2900.00} Failure to comply will result in arrest. It is a violation of the Fair Debt Collection Practice Act for a debt collector to sue me or threaten to sue me if it knows the statute of limitations has passed. The statute of limitations has passed and this file has been deleted from my credit report.
Consumer complaint received 2022-10-21
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: EQUIFAX, INC. (LA)

Equifax credit bureau/equifax stated they updated an address. I did not contact them about an address. They are not reading my complaints and sending templates once again. I reached out to delete the accounts that the investigation was pasted 30 days.
Consumer complaint received 2023-02-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (TX)

Citi Bank offered a promotion for opening a accelerate checking account to which the customer would be required to fund the account and hold a certain dollar amount in the account for a pre set period of time. The reward was in the amount of {$450.00}, which we have confirmed multiple times. We opened this account and verified that all requirements were met on multiple occasions and were informer our reward would be applied to our account on XX/XX/2023. On XX/XX/2023 at approx : XXXX XXXX we called Citi as we still have not received our reward. The customer service agent and supervisor ( XXXX employee id XXXX ) stated that we had no promotion added to our account and would not be receiving the reward despite confirming multiple times previously and meeting all of the requirements. Citi has blatantly committed fraud and is stealing from its customers. 

Additionally, it seems this fraud is widespread across multiple customers as you can see in this reddit thread. 

XXXX XXXX XXXXXXXX It seems CITI is no longer honoring their promotions after enticing multiple customers to hold thousands of dollars with them, just to cancel their reward on the date they should receive it. 


Opened internal case - XXXX