davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-16
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (NY)

In XX/XX/2022 I opened 2 CD accounts in response to Citi offer of 4+ %. In fact rate was reduced to 3.68 % with no explanation or notification. 
I talked to account manager, she told that nothing can be done about it. 
Please help to resolve this situation.
Consumer complaint received 2023-01-16
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. (TX)

There are still erroneous addresses on my credit report. 

15 U.S.C. 1681 4 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Consumer complaint received 2019-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC. (FL)

I took out a loan with XXXX XXXX in 2013. I began having difficulties paying back the loan and requested a settlement with XXXX XXXX for less than the entire amount I owed. 
XXXX XXXX agreed to my offer and told me that the account would not appear as negative information on my credit report. 

I recently applied for a credit card and was denied because XXXX XXXX reports the account as seriously delinquent. Previously I have contacted XXXX XXXX and the credit bureaus to have the information corrected. They all tell me it will take approximately 45 days to correct the credit information and then nothing happens. 

This all happened more than 7 years ago and I am told by the credit bureaus that the info will stay on my report for 10 years. 

All of the above not withstanding the credit bureaus are very unhelpful. It is almost impossible to get through to them and when you finally do the representatives are very disinterested in your particular situation. In addition the credit bureaus are only interested in up-selling their credit monitoring services. Which even if you buy will do nothing to fix your credit.
Consumer complaint received 2019-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc. (CA)

Respondeat Superior is a doctrine that a party is responsible for ( has vicarious liability for ) acts of their agents. XXXX, XXXX, and EXPERIAN each are credit reporting bureaus. XXXX XXXX XXXX and, US DEPT OF EDUCATION, for example, might furnish a credit bureau with consumer information. In this instance, both has provided them with inaccurate or fraudulent collections information : ( 1 ) XXXX  XXXX  XXXX  asserted ownership over a purported debt related to the previously closed automotive loan. But these assertions of a supposed " deficiency '' are barred under California 's anti-deficiency statute, Cal. Civ. Proc. Code 580d. ( 2 ) US DEPT OF EDUCATION makes the contention of many student loan debts totaling more than {$19000.00} that are reportedly due in connection with complainants alleged attendance at XXXX college. The Fair Credit Reporting Act ( " FCRA '' ) is a federal statute.
Consumer complaint received 2019-02-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (DC)

On XX/XX/2019 I made what I thought would be a simple request to PNC to get a copy of my HELOC statement. Since I had a XXXX balance, I hadn't received a statement in several months and I needed one for a new mortgage application. No one - at the customer service line or at the local branch - was able to give me a statement, even through the online portal. They did say that they would order one to be sent to me by mail in 5 business days. It never arrived. I was able to get the mortgage application started with my account number, but the bank is now, naturally, requesting a statement on that HELOC that includes our home address. It is now XX/XX/XXXX and the paper statement that was ordered never arrived. I called to find out how to get a copy of the promised statement urgently because we are closing on the new property on XX/XX/XXXX and the bank needs that document. I was told by the customer service line that that request was cancelled because there was a XXXX  balance. I was never informed that this request was cancelled. I am also unable to access information about my HELOC payment or obtain a current statement on that loan on the secure website. However, I can get this information easily from other banks with which I have mortgages. The issue has been escalated internally at PNC and they claim they are working to produce a current statement and have it emailed to me in time, but their inability to resolve this simple request and failure to communicate with me when they decided to cancel is completely unacceptable.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (DC)

I scheduled a payment from my XXXX XXXX XXXX XXXX account for XX/XX/XXXX to my XXXX Credit Card administered by Goldman Sachs in order to satisfy a payment due date of XX/XX/XXXX. That payment was initiated on XX/XX/XXXX and confirmed received by Goldman Sachs on XX/XX/XXXX as documented by XXXX  XXXX XXXX and acknowledged by Goldman Sachs. The payment was then posted to my account on XX/XX/XXXX which was after the payment due date and considered a late payment. Goldman Sachs applied interest charges as a result of the posting date of XX/XX/XXXX which I would not have incurred had the payment been posted when received. 
The explanation from the Goldman Sachs customer representative was that the XXXX XXXX XXXX caused the received payment to be posted to my credit account on XX/XX/XXXX, XXXX days after receipt, which was after the due date causing interest and late fees.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (GA)

In XX/XX/2023, I entered into a new agreement with Citi Cards to assist in paying my card down due to a financial hardship of divorce while not affecting my credit report and XXXX score. The agreement online stated that I would not be marked late or be charged late payments during the agreed terms of {$120.00} per month for 60 months and I was required to sign up for e-statements which I never received in the mail to see what my balance due or notifying me that I was considered past due status. My mailing address and email address are current with Citi Cards. Since then, I have been paying the agreed upon amount of {$120.00} per month and Citi Cards has been reporting me 30 and 60 days late on my credit report. I only received notification that I was considered past due when I applied for a mortgage loan to buy a home in XXXX. Citi Cards did not inconspicuously explain that I would be reported late on my credit report when I entered into the new agreement terms back in XX/XX/2023. My understanding was that entering into the new agreement would show good faith in paying the monthly agreed amount and reporting on time payments to Citi Cards. Citi has not sent written notification, monthly statements or reached out by phone since the new agreed terms that I was marked past due under the new agreed terms and leads to misunderstanding by consumers that they are paying as agreed.
Consumer complaint received 2023-01-16
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. (VA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

There were XXXXour Dispute letters sent to each Credit bureau. All credit bureaus investigated a collection account on my report for {$3700.00} that is not mine and does not have a legal sign contract stating that it's my account. XXXX XXXX found the collection account is unverified and the account was closed on the XXXX XX/XX/2019 as seen on attachment. Then on XX/XX/2019, it was put back on my report. XXXX and Experian fail to do their investigation correctly after all four disputes sent. The first Dispute letter was sent out on XX/XX/2019, Second, XX/XX/2019, Third, XX/XX/2019, and XX/XX/2019. I also sent out validation letters to the collection agency and they failed to prove that the account is mine with no proof of a signed contract nor other information that was asked according to the federal Fair Credit Reporting Act ( FCRA ).
Consumer complaint received 2019-12-20
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. (ID)

In XX/XX/XXXX, I finished a deed in lieu with XXXX XXXX. The mortgage account was closed and i was relieved of any further responsibility. Subsequently the property was sold to a new owner in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX. started sending correspondence reporting that they had been transferred the loan and began requesting payments. I initially thought it was a scam but after receiving a few more letters, I contacted them and explained the situation and considered the matter closed. I received no further information until XX/XX/XXXX when I saw they had placed numerous late payments on my credit report. I have tried getting this resolved with XXXX, who has acknowledged this is not a legitimate claim and never should have been transferred or accepted by them. I keep contacting them but they keep asking for more time and say they are working on it. I have also disputed it with all 3 credit agencies who said after their " investigation '', it was a valid account. This is fraud plain and simple and the credit agencies are supporting this irresponsible behavior.
Consumer complaint received 2023-01-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX  Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Balance : {$6900.00}.
Consumer complaint received 2017-08-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (MA)

On, XX/XX/XXXX I received a post card from this company offering a loan. So, I went online and was approved for {$300.00}. Ok fine. Sign everything. Except was n't included in the papers was I would be paying back {$1200.00} until XX/XX/XXXX. There I rest rate is XXXX. I called them to cancel after reading this, and told me it was to late. Has of today, the XX/XX/XXXX they withdrew {$110.00} from my account. Interest is {$39.00} {$73.00} is principle. This is a scam. I called my bank to stop any other future withdrawal. Also, I am on SSI, the monthly income to get this is {XXXX}. That 's what I receive. They do n't answer the phone emails. Nothing. The reviews and the complaints on this company is outrages. They fool you into this without sending the real paperwork, which states the loan interest until after they give you the money. Then your trapped.
Consumer complaint received 2021-12-15
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-01-16
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)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : - ; XXXX XXXX XXXX Date opened : XXXX XXXXXXXX XXXX  Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 Balance : {$6900.00}.
Consumer complaint received 2019-12-20
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. (ID)

In XX/XX/XXXX, I finished a deed in lieu with XXXX XXXX. The mortgage account was closed and i was relieved of any further responsibility. Subsequently the property was sold to a new owner in XX/XX/XXXX. In XX/XX/XXXX, XXXX XXXX. started sending correspondence reporting that they had been transferred the loan and began requesting payments. I initially thought it was a scam but after receiving a few more letters, I contacted them and explained the situation and considered the matter closed. I received no further information until XX/XX/XXXX when I saw they had placed numerous late payments on my credit report. I have tried getting this resolved with XXXX, who has acknowledged this is not a legitimate claim and never should have been transferred or accepted by them. I keep contacting them but they keep asking for more time and say they are working on it. I have also disputed it with all 3 credit agencies who said after their " investigation '', it was a valid account. This is fraud plain and simple and the credit agencies are supporting this irresponsible behavior.
Consumer complaint received 2024-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (DE)

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., has violated my rights. Account name : XXXX XXXX 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 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.
Consumer complaint received 2024-01-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (DE)

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., has violated my rights. Account name : Midland credit management 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. I requested debt validation from agency and received a partial copy of a statement or just a confirmation that it was validated through a third party. I have sent multiple letters. Im requesting that these accounts be removed.
Consumer complaint received 2023-01-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Comenity Capital Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Today I received the attached letter from Comenity Bank, and what they continue to do to slander my credit should be illegal. 
I have had no dealings with ComenityXXXX since XXXX of XXXX. 

And from that time to present, on a monthly basis, Comenity has continued to request copies of my credit files, as well as continue to report information that is inaccurate so as to destroy my credit rating. 

XXXX, and XXXX, I had complained about this issue, because they continued to put false balances owed onto my credit files, as well as, to report false status dates so as to make it seem as though I had, had recent credit activity with them. 

I do not owe this fraudulent balance {$1600.00} that Comenity has passed on to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Comenity Bank ran up that fraudulent balance with their usury fraudulent charges, and fees. 
They claim to have charged off an account on XX/XX/XXXX, this is not true. 

On my credit files, for at least a year beyond XX/XX/XXXX, Comenity was placing over {$100.00} in charges, and made-up fees onto a balance that they were running up. 

Since XXXX to present, my credit files were being dinged twice for duplicate false information. 
This treacherous Credit card company would pass on their lies to collection agencies who would report onto my credit files, and Comenity would report the same false information as well. 

And now they have passed on information to the above-named entities, who are willing to continue the deceptive practices of Comenity XXXX XXXX XXXX 

I have previously complained about Comenity XXXX XXXX  who has now rebranded under the name of XXXX XXXX. 

In checking the XXXX, I have found that they have an ALERT, for Comenity, and they have XXXX complaints since the last 3 years, and what each and every one of the consumers have complained about, I have experienced it all.