davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I HAVE NOTIFIED ALL THE CREDIT BUREAUS OF THE INCORRECT INFORMATION THEY HAVE BEEN FURNISHING ON MY CONSUMER REPORT. I DID NOT GIVE THEM CONSENT TO HAVE MY PERSONAL INFORMATION FIRST OF ALL. AS A RESULT OF INCORRECT INFORMATION THE CREDIT BUREAUS HAVE BEEN FURNISHING ON MY CONSUMER REPORT IT HAS CAUSED MY CHARACTER TO BE DEFAMED, MENTAL ANGUISH AND FINANCIAL HARDSHIP. 

I HAVE SENT THEM A CEASE AND DESIST AND YET DERROGATORY AND INACCURATE INFORMATION IS STILL BEING FURNISHED.
Consumer complaint received 2023-06-05
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. (FL)

A purchase was made with Wayfair in the amount of {$93.00} and charged to my Wayfair Mastercard Account issued by Citibank. The merchandise was returned to Wayfair via XXXX after calling Wayfair to advise them of the return. I was sent a XXXX  XXXX  via email and the item was picked up on XX/XX/XXXX by XXXX, and received by Wayfair on XX/XX/XXXX. I did not receive credit for the return and initiated a dispute with Citibank Wayfair on XX/XX/XXXX. To date, I have not received a credit for the return, nor a temporary credit during the dispute investigation by Citi. On XXXX Citi added an additional charge to my account in the amount of the initial purchase for another {$93.00} which leaves me with a balance of 2 X {$93.00}. I am getting nowhere attempting to contact Citi myself. I have faxed them proof of pickup and delivery of the item and the receipt at the warehouse by Wayfair 4 times. I faxed the info twice and sent it via US mail in hard copy two times as well. I contacted the bank today and received absolutely no explanation for the incompetent handling of my account, nor an explanation of why I have now been double charged for the original item returned and did not receive the temporary credit for {$93.00} during the investigation process. I was hung up on 4 times by representatives, XXXX, XXXX, XXXX, and XXXX. I still have no resolution to dispute that was initiated over 60 days ago.
Consumer complaint received 2023-06-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (SD)

Debt Collector company Resurgent Capital Services, persists after being told that the account is satisfied. Resurgent Capital Services has no express consent or permissible purpose to contact me about any debt but still sends repeated correspondence constituting identity theft. The account in question is satisfied and has never been proven to be legitimate despite requests for verification/validation.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am submitting a complaint today to inform the Credit Reporting Agencies about the damaging data they are reporting on my Credit File. After researching how to remove fraudulent items from my report, I discovered that I need to visit the Federal Trade Commission ( FTC ) or https : //www.ftc.gov to file a report. According to FCRA section 605b, the Credit Reporting Agencies are required to remove and block any accounts and information listed on an ID Theft Report. Upon recently receiving a copy of my credit report, I was shocked to find several accounts and inquiries that I did not open and have no knowledge of. I have attached relevant documents to assist in the blocking of this erroneous information from being posted on my report. The items in question are as follows : XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I firmly believe that this is a case of fraudulent activity, and I am taking steps to report it to the authorities. According to FCRA Section 605B ( a ), the Credit Reporting Agencies must block any information in the file of a consumer that the consumer identifies as information resulting from the fraud, not later than 4 business days after the date of receipt.
Consumer complaint received 2017-03-21
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (NY)

On or about XX/XX/XXXX, I applied for a mortgage with Cardinal Financial online. After qualifying for the mortgage online, I was instructed to order an appraisal in order to proceed with the application. When I inquired about the appraisal, Cardinal Financial stated that this was mandatory and assured me there will be no problem with the mortgage application. Relying on Cardinal Financials ' assurance, I paid {$660.00} to Cardinal Financial for the appraisal. Immediately upon payment, I was contacted to schedule an appraisal appointment and within few days was notified that the appraisal was completed. However, this was a total waste of time and money because Cardinal Financial had not received nor even requested a " Condo Questionnaire. '' After submitting the entire application, we informed that they were still waiting in the " Condo Questionnaire '' to schedule a closing. Finally on XX/XX/XXXX, I was informed the unit did not qualify for a mortgage based on the " Condo Questionnaire. '' When I inquired why they made me order an appraisal and complete the application before they even requested a " Condo Questionnaire, '' I was informed this was their policy. I would not have ordered an appraisal if not for Cardinal Financials ' specific instruction and assurance. 

Based on Cardinal Financials ' instruction and assurance I wasted time and money. Accordingly, I am demanding a full refund for the appraisal fee I paid. Going forward, they should also be precluded from forcing future clients to order appraisal s before the " Condo Questionnaire. ''
Consumer complaint received 2020-11-15
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: Experian Information Solutions Inc. (IN)

Experian has failed to provide proof of investigation for an account listed as XXXX XXXX XXXX on my credit report. XXXX is in litigation due to deception. The account was settled and the company was found at fault. The account has been removed from 2 other bureaus. I have asked Experian to provide proof of reinvestigation and they haven't. Instead Experian updated my account as unchanged without showing proof of investigation. 

Under the Fair Credit Reporting Act Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in the consumer 's file if the consumer alleges the item to be inaccurate. 

There are two XXXX accounts reporting on my credit report with the same account numbers but different opened dates.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

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 2017-02-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (IL)

I paid my rent online through my resident access website XXXX17, but I used the wrong account. I moved the money to the correct account and called Citibank customer service to make sure that my rent payment would not be rejected. When I spoke to the representative he put me on hold and then came back and told me that my payments should not be rejected. I kept watching my account and the money was never taken. When I called Citibank today XXXX17 they said that it was already to late when I called. My issue is that I accrued additional late fees due to their misinformation and they said all that they can do is apologize that they have no intention of reimbursing me anything ( According to XXXX " Supervisor '' XXXX ).
Consumer complaint received 2022-01-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

XXXX has reported XXXX XXXX on my credit report and has fail to provide me with XXXX XXXX point of contact. Therefore I am asking that an investigation been done to verify this person on my credit report within 30 days. If a contact number can not be submit to me I am demanding that all XXXX/ department of education be removed from my credit report immediately. Enclosed you will find a copy of the person name on my credit report than disappear. I can not identify none of my accounts with the same accounts numbers XXXX therefore all accounts must be removed immediately. Enclosed is copy of ssn, driver license, and water bill to identify myself.
Consumer complaint received 2016-02-10
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX Chase allowed someone to go online an use a known fraudulent email and telephone number to change my [ XXXX XXXX XXXX ] password and enter my checking account at XXXX XXXX XXXX. Chase did not notify me of this change. 
{$12000.00} was taken between XXXX XXXX and XXXX XXXX 2016 all of the payments where sent through a Chase credit card EPAY system and all were in +/- {$2000.00} amounts. 
In a tele meeting with XXXX XXXX XXXX officials in which I was present, Chase admitted that they had allowed someone to open a second unauthorized credit card and connect it to my credit card [ I received no notice of this ]. This is how the thieves funneled the stolen money out of my bank account through my legitimate Chase card to the unauthorized one. 
Now in a letter dated XXXX XXXX, 2016 they deny the privacy breach occurred. By the way XXXX XXXX XXXX has put the money back into my account [ with a hold on it ] based on the tele meeting with Chase officials. 
This is all the money I have. Late fees keep mounting and my life is in turmoil. I am recovering from a XXXX. The stress is hurting my health. 
I beg you please help me.
Consumer complaint received 2021-10-24
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. (SC)

I have attempted to resolve this issue with the credit reporting agencies and XXXX XXXX numerous times. This company is reporting 2 identical, fraudulent accounts to my credit report. I have provided an identity theft report and demanded verifiable proof that these accounts.
Consumer complaint received 2017-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IN)

Experian is reporting the following incorrect spelled names :  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 2017-05-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (NY)

Debt Collector  has reported me delinquent w ith two 3rd part y Credit agencies with out ever having contacted by phone or mail regarding debt nor have they identified the debt nor have they provided me with any information regarding this debt. I have received no validation notice proving this debt belongs to me nor have i been given a chance to dispute this debt before  Debt  Collector reported this debt negatively to the credit bureaus.
Consumer complaint received 2024-06-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NC)

I submitted a complaint to you ( CFPB ) on XX/XX/XXXX asking for a school misconduct form for my almost 20-year loans with Navient for an art institute school. On XX/XX/XXXX, I received a rejection of my school discharge application form Navient. When I requested more information and criteria as to why it was rejected, I received an even vaguer response about " holistic viewing '' of the entire app as the reason ( received XXXX ) My 34 page application provided evidence of the school intentionally distorting job placement stats, pressure from the recruiter due to my older age, and career placement assistance that was touted as top-notch. I only received job " leads '' for minimum wage restaurant positions, not in graphic design. I provided screenshots from the website in XXXX, when I attended, that showed great career placement stats and also provided the sworn XXXX testimony confirming the intentional fraud. 

The US Government has even identified these loans as predatory. 
I have never been in default and I believe this is why they refuse to release my loans. Navient increased my interest to 10 %, guaranteeing I will never be able to catch up and pay them off even though my previous interest was 3.5 % and I also have near-perfect credit. 

Responding that they look at the loans " holistically '' is not an answer to why I was denied.
Consumer complaint received 2024-01-31
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. (PA)

I am writing to follow up on my previous communications via mail and the Consumer Financial Protection Bureau ( CFPB ) concerning my request for a reinvestigation and the removal of disputed negative items from my credit report. Unfortunately, I have not yet received any resolution or response from your department, and this matter remains unresolved.
Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (KS)

On my credit report there is a negative inquiry and balance reported by LVNV Funding LLC. 

This company purchased a debt from a creditor who did not notify me of the balance or actions and from the information I could gather filed litigation back in Ohio where I had no longer resided since XXXX yet was somehow able to receive a default judgement in their favor. 

I'm not entirely sure how this was a possible without my knowledge and without providing me any account information regarding the validity of the debt or statement of charges to verify the balances. I was going through a contentious divorce and custody battle in the prior year and wanted to see what charges were applied to ensure the card or account was not being used by another party. 

I am disputing the validity of this debt and would like to obtain the following from the creditor : The signature or notice provided by the process server showing I was informed of the debt and court date. 

Provide me any signatures for any signed transactions part of this balance in addition to the original application for credit and individual fees that accrued as a result of the debt. 

Provide me the date and amount of the debt that was purchased from the original creditor and what it was sold to them for prior to filing suit against me and the right to collect on this debt without my knowledge. 

Provide me the balance claimed as being due is calculated properly Provide how the loan has not been rendered unenforceable due to the expiration of the statute of limitations of the state in which they sought judgement without my knowledge.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My address is XXXX XXXX XXXX XXXX XXXX, Georgia XXXX. 
XXXX XXXX  XXXX Acct # XXXX is A fraud account. 
Sent in paperwork to the bureau to prove it.
Consumer complaint received 2023-07-19
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. (NY)

I've contacted XXXX XXXX XXXX XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/2020 and XX/XX/2020 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunions job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is my NUMEROUS 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 accounts 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 Accounts XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX : {$460.00} XXXX XXXX Balance : {$6500.00}
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-05-30
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)

Hello! : - ) The previous XXXX with {$1700.00} in collections involving a ( n ) XXXX XXXX student loan and a ( n ) written off/charge off credit card, in addition, approximately XXXX hard inquiries erased. Use the modulator and increase the credit score on the Experian to correct given the deductions. Please do correctly, I do not like having to complain, okay. 
Also, the XXXX sent a ( n ) Experian deletion letter that was never indicated on my Experian.com screen. the XXXX is to be deleted entirely from the credit report. 
I'd like the credit score to increase given the previous data and erasures and deletions. I do not want a ( n ) XXXX on my credit score after the previous data included the XXXX with all the baggage. The entries are clean so increase the score and indicate credit matches within Experian please. XXXX XXXX XXXX XXXX 
Thank You! : - ) Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-16
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account numberXXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX XXXX Account numberXXXX Account name : XXXX XXXX Account number:XXXX Account name : XXXXXXXX XXXX Account number:XXXX  has violated my rights. Or list of inquiries 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.