davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

Citibank was offering a sign on bonus ( with terms ) when you open a Citi priority checking account. I had tried several times on XX/XX/XXXX to open the account on line but could not. I called them directly and the rep opened the accounts both checking and savings on XX/XX/XXXX no problem I made sure that I would still be eligible for the bonus once I completed that terms and was assured that I would be. But I would need to wait for my welcome pack. When I received the welcome pack, it had my account numbers etc. I then tried to make a deposit and could not. I called customer service and they said that the accounts have been closed by them. I asked why and they really had no answer. I then tried to open the account on line without the bonus link and had no trouble. I called Citi and asked why I can open without the bonus offer but not with the bonus offer. They again had no answer. 
It is my feeling that the bonus offer is a scam to get people to open accounts. I asked for a manager to please call me to explain this but no one has contacted me
Consumer complaint received 2022-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Contacted Transunion on XX/XX/2022 to remove the extended fraud alert from my personal credit report. Verified my information over the phone to multiple customer services representatives only to be instructed the request could not be completed. I contacted XXXX and XXXX and removed the fraud alert with no complications.
Consumer complaint received 2023-08-11
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. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
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. (PA)

I submitted a complaint last XX/XX/2023 for the removal of the unauthorized and fraudulent inquiries but they are still reporting on my credit report. This is why I'm reaching out again regarding these fraudulent inquiries and for assistance to remove them from my credit report immediately. I am not the one who initiated these inquiries. They are not mine.
Consumer complaint received 2024-05-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Earnest Inc. (OH)

In XX/XX/year>, I was officially enrolled and in class at The XXXX XXXX XXXX XXXX XXXX a satellite campus of XXXX XXXX XXXX. At the time, the school was favored by myself due to the combination of a fine arts degree in animation ( which is difficult to find ), as well as the high salary and placement rates advertised by the school. I also chose this school because the XXXX XXXX XXXX assured me my XXXX XXXX XXXX  would cover most of my tuition. 

After about a year of accumulating loans and attending the school, I discovered my XXXX XXXX XXXX was not applicable at this school. As XXXX XXXX XXXX ( XXXX for short ) are private and for-profit, they are not covered. I was unaware of this and was led to believe this was not the case at my enrollment. At this point, I had already borrowed XXXX XXXX  for tuition and my credits were nearly impossible to transfer. Most of my loans were through XXXX XXXX, with some also coming from XXXX XXXX. The school dictated which financial institution I was able to use. I decided to make the best of it and continue my degree so I could at least find gainful employment for the high tuition. 

During my tenure at XXXX, I had several poor experiences that were not acceptable at a collegiate level. The most egregious was the career services team, which promised connections to local companies which would interview us as students nearing XXXX : XXXX services once lined me up with a job interview for creating XXXX XXXX. When I showed up for the interview, it was not at a XXXX XXXX XXXX business. Instead it was at a bar and grill, where the owner wanted XXXX to be created for his XXXX based in XXXX. The workplace was to be the basement of the bar and grill, alone with the owner, and the job application given to me was for the XXXX XXXX XXXX  rather than a professional XXXX XXXX. The situation, interview, and environment were so strange and uncomfortable that I reported this listing to the school. Rather than investigate, they referred other students in my class when I turned the offer down. I was only given XXXX other job recommendation after this. 

Rather than getting a low-paying job in the field with the degree that I had, I continued to work my XXXX XXXX  which paid more and did not require higher education. I took out nearly {$95000.00} in XXXX XXXX and could not secure a job in my field, rendering my degree nearly worthless. The XXXX XXXX burden has significantly affected my future job prospects as I had to take on multiple jobs at once to be able to afford the loan payments.
Consumer complaint received 2024-05-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VI)

I am not a Venmo user, however, on XX/XX/year>, at XXXX, I received an email from XXXX XXXX XXXX {$99.00} from the email XXXX. 

The email offered to call ( XXXX ) XXXX if fraud was suspected. I do not know the person requesting funds and I do not trust this email sender.
Consumer complaint received 2023-08-11
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. (IN)

there is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for the identified items to be reported on my consumer report. i am requesting that the reporting of this information be blocked and deleted .my request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. the identified transactions are not information related to any transaction by me as the consumer. : XXXX XXXX XXXX other than personal date XXXXXXXXXXXX XXXX XXXX : XXXX XXXX XXXX other than personal : mortgage reporters XX/XX/XXXX : EXPERIAN : XXXX XXXX XXXX other than personal : miscellaneous reporters ; XX/XX/XXXX Experian : : XXXXXXXX XXXX XXXXXXXX XXXX credit union XX/XX/XXXX Experian : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : : XXXX XXXX  : FINANCE OTHER THAN PERSONAL XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : MISCELANIOUS REPT XX/XX/XXXX : XXXX : : XXXX XXXX XXXX personal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : experian all files see attachment to follow ; ; you are required to do what i am asking and block these transactions from being reported to my consumer report within 4 days from the date of this notice i look foward to your response
Consumer complaint received 2021-03-04
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (IL)

I originally filed a complaint against all three credit bureaus 2 months ago on this website, in regard to all three credit bureaus not reporting same information on all three for the same student loan accounts. I specifically requested the loans be removed due to this. All three credit bureaus responded by saying that everything has been updated and given loans would not be removed even though which was not request, from my understanding if creditor is not reporting the same on all three credit bureaus then said account has to be removed.
Consumer complaint received 2023-08-12
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. (VA)

I sent a letter last XX/XX/ to remove the listed items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX  Balance : {$150.00} XXXX XXXX XXXX Balance : {$80.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$400.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$730.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-02
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. (MS)

In Accordance with the Fair Credit Reporting act. The list of accounts below has voilated my federally protected consumer rights to privacy and confindentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section A section 2 : It also state a consumer reporting agency can not finish account without written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section states : no consumer reparation 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 peron shall not furnish any information relating to a consumer to any consumer reporting agency if person has knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (NY)

I began requesting my credit report primarily via Annual Credit Report.com in or around XX/XX/2023 which led to a few disputes and corrections required by the consumer reporting agency, XXXX. As a victim of identity theft, A few corrections were made as a result of this inquiry to my credit report. After wanting to review my report again, now through XXXX 's consumer website I was unable to complete the verification process and was prompted to call the Consumer Care line at the following number : ( XXXX ) XXXX ( XXXX ) XXXX. On or around XX/XX/2023 I was unable to get a representative from XXXX by calling the Consumer Care number. Also, was unable to receive an updated report via Annual Credit Report.com. Later in XXXXXXXX XXXX I call XXXX and after not being able to go through verification, and spending over 1 hour on the phone with customer service, I was not able to get my personal information. This is alarming as a consumer.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I applied for an American Express XXXX XXXX XXXX XXXX on the American Express website on XXXX XX/XX/2024. On the webpage through which I submitted my application, they advertise : " XXXX XXXX : {$0.00} intro annual fee for the first year, then {$95.00} '' with a symbol to look at the terms and conditions. I would like to note that this promotion is still present on the webpage through which I applied, and an archive of the webpage on the day I applied ( XXXX XX/XX/2024 ) is available on XXXX, which shows the same promotion offered on that day. 

The terms and conditions document, which I have attached to this submission, inform that the eligibility for this offer can be affected by having a previous version of this credit card or offers related to existing membership, which do not apply to me. Even then, they say that if you're not eligible for the offer, they will inform you before you accept the application. When I accepted the credit card offer, I was not informed that I was not eligible for this offer and so I accepted under the conditions that I would not be charged an annual fee for the first year. 

On XXXX XX/XX/2024, American Express charged a {$95.00} membership fee to my account. 

I have since called customer service XXXX times to ask why I was charged this annual fee when I opened the account believing that I would be charged no fee for the first year. The first time, which I believe was XXXX XX/XX/2024, the representative said they would submit an issue and that someone would be back to me. I received no further information, so I called customer service again, I believe on XXXX XX/XX/2024. They again had no information to give me and told me that someone would follow up with me. I then called on XXXX XX/XX/2024 and the representative told me that the wavier of the {$0.00} intro annual fee did not apply to my account, but did not provide any other information about why it did not apply.
Consumer complaint received 2023-09-05
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. (CT)

I am writing to you because you are reporting inquiries on my credit report that I do not recall. I did not authorize the inquiries below. Please review the items listed : Creditor name : XXXX XXXX Creditor name : XXXX XXXX Creditor name : XXXX XXXX Creditor name : XXXXXXXX XXXX XXXXXXXX Creditor name : XXXX XXXX Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Consumer complaint received 2022-09-21
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. (GA)

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

On my experian consumer report account # XXXX XXXX # XXXX XXXX company name XXXX XXXX XXXX. Amount {$650.00} for first one {$630.00} for second one. This is not my debt. The address affiliated with this account is not mines. Also this is violating my 15usc 1681b law. This is not accurate information. This is inaccurate and out dated information they are reporting. This section speaks on accurate information being reported on a consumer report. this information needs to be deleted you have caused damage to my reputation and my way of living.
Consumer complaint received 2023-08-11
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)

Experian failure to properly investigate fraud account. Kept fraud account on my credit bureau and XXXX states Experian never reached out to them. Uploaded letter from XXXX to Experian and Experian told me they verified that I am responsible for the account which is a fallacy because it is a fraud account and I uploaded the document from XXXX to Experian but they have not done anything. 

Experian investigation is a scam. Several FCRA violations as well as aiding and abetting identity theft and defamation of character.
Consumer complaint received 2023-08-11
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)

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX XXXX Account Number : # XXXX 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 an account without my written instructions.
Consumer complaint received 2017-05-02
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)

This is becoming VERY annoying at this point. I have issued fraud alerts, filed police reports, called over 25 times ( check the records ) and yet and still someone is not only using my information but applying for the same things over and over. Im at work as I type and received an alert from a credit protection company that I was just denied a loan that I clearly did n't apply for. Ive asked over 20 times for these inquiries to be removed. I did not authorize any of them and im ready to take legal action at this point. Please remove the following accounts with month and dates : XXXX AND XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX -XX/XX/XXXX, XXXX XXXX XX/XX/XXXX,  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX-XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX,  XXXX XXXX XX/XX/XXXX -XX/XX/XXXX . I will not continue to send letters and call and talk to the RUDE reps who are of no help. My next step will be legal action.
Consumer complaint received 2023-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (TN)

EXTER FINANCIAL FINANCE ARE CAR THAT WAS TOTALED AND PAID OFF WITH INSURANCE CHECK. THEY AGREED TO ACCEPT PAYMENT CLOSE ACCOUNT I DON'T OWE THEM ANY DEBT AND THEY SOLD A CLOSED ACCOUNT TO A 3 PARTY VENDOR AFTER ACCEPTING INSURANCE PAYMENT FOR TOTALED VEHICLE I WANT THIS ACCOUNT REMOVED FROM REPORT I DONT OWE THIS DEBT OR HAVE A ACCOUNT WITH THIS BUSINESS
Consumer complaint received 2022-11-24
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-10
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. (MI)

I reviewed my Consumer Reports and notice that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information the best of their ability with Maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-17
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. (IL)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.