davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MT)

Multiple times, through Dispute letters, I have tried to fix the incorrect information on this account, with Experian Credit Reporting company. Experian then would contact XXXX XXXXXXXX XXXX and the account would come back with the incorrect dates, incomplete information, and missing data and was verified accurate by XXXX XXXXXXXX XXXX. Leaving the Report XXXX. The Account information for this complaint is taken from an Experian credit report # XXXX for XX/XX/XXXX. The account is XXXX. This is a joint account with my spouse. I will attach XXXX documents that XXXX XXXXXXXX XXXX and Experian provided. When you examine the documents you will find that the Date Opened is incorrect This account date is taken from the provided documents and is recorded as being opened XX/XX/XXXX ( Error XXXX ). Upon examining these documents you will see many months of activity. Terms ( 1 Months )????? what does this mean ( Error XXXX ). Monthly payment ( NOT REPORTED ) missing information ( INACCURATE ) ( Error XXXX ). Upon examining the provided documents is you will find a credit limit. The Experian Report shows the Credit Limit is labeled ( NOT REPORTED ) making the report ( INACCURATE ) ( Error XXXX ). Upon examining the documents you will find the High balance is ( INCORRECT ) ( Error XXXX ). Recent Balance is ( NOT REPORTED ) ( Error XXXX ). The payment history has been left blank ( INACCURATE ) ( Error XXXX ). By Law FCRA sections 609 and 611 require thar Creditors and Reporting agencies provide accurate reporting of accounts. Should they not do so the account will be delete. There are many Errors on this Experian Credit Report which have been VERIFIED as accurate by XXXXXXXX XXXX XXXX
Consumer complaint received 2020-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (CA)

I received a credit card offer and invitation from XXXX XXXX to applying for their credit card several times during XX/XX/XXXX. I decided to apply for the card on XX/XX/XXXX,, and it was approved with a {$3000.00} credit limit. After receiving the card and activating, I received a notice in the mail dated XX/XX/XXXX stating that the credit card is closed. Following the closing statement, I received another notice which states how to use the card and how to earn maximum points. 

It is disturbing to find that Comenity Bank used my personal and financial information, and now I have a hard inquiry on my credit report. The way they handle business is very unprofessional. I have not used the card at all and did not intend to use it for day to day purchases. I was planning to use it only during our trips to XXXX XXXX. 

I am requesting XXXX XXXXComenity Bank to reopen the card or remove the inquiries from my credit report from all reporting agencies such as XXXX, XXXX and XXXX   and send me a written confirmation that all the inquiries removed. 

I contacted the customer support and discussed the matter XXXX ( ID XXXX ) on XX/XX/XXXX around XXXX to XXXX XXXX  but he wasn't able to help.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (FL)

I like to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (NH)

The company Midwest Recovery Systems put a collection on my XXXX credit report, that had been previously removed by XXXX when it was found to be fraudulent. I contacted them at XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX. Apparently they were hired by a company called XXXX, whom apparently wound up with this debt. The last payment by whomever was reported XX/XX/2013, and as I stated this has already been determined to be fraud and removed by XXXX, so how can it now be put back on because some company goes out buying debts, fraudulent or not. There is a report on file with XXXX County Sheriff 's Department, they told me to get it and send it. I live in NH and am XXXX. I told them they gould get it under the freedom of information act. 

The original company was XXXX XXXX who is no longer in business.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX Account Number : XXXX - Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2020-01-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (TX)

I took out a loan online with Mobiloans.com after receiving a pre approval in the mail. The interest rates they provided to me were way less than the fees being charged now. The online site sends you to a portal showing payment plans involving 12 payments of $ XXXX   monthly to pay off a loan of {$1500.00}. I made sure I read this thoroughly understanding Id be paying {$300.00} in interest ( repaying a total of {$1800.00} ) now they are trying to withdraw {$150.00} weekly. I spoke to a representative that informed me I only had 11 weeks of making {$150.00} payment and the loan would be payed off. THIS IS NOT TRUE they have collected {$180.00} so far on a loan I took out approximately XX/XX/2019 and only {$30.00} has gone to the principal. This is a preditorial loan and would like to see what options I have. After researching their site ( not being able to find the previous portal stating I would only pay {$300.00} in interest fees ) their loans average at a 200 % + interest rate
Consumer complaint received 2022-02-22
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022, I sent written disputes via USPS mail in regards to inaccurate late payments that are currently reporting in error on my consumer credit report. Furthermore, after 45 days with no response, I sent another dispute request on XX/XX/2022 via registered mail with USPS demanding that these inaccurate late payments be removed from my consumer report immediately. However, it has now been over forty-eight ( 48 ) days and I have yet to receive any correspondence regarding investigating my disputes. In addition, according to the FCRA Section 611 ( a ), a failure to investigate consumer disputes within 30 days gives reason to lawfully remove those items from my credit report immediately. At this point, I am filing a formal complaint due to the consumer reporting agencies failing to comply with the federal laws that protect me as a consumer. Moreover, this entire dispute process is stressing me out and the late payment error reporting is impacting my ability to obtain reasonable financing to purchase a home for my family! Therefore, I am demanding for you to remove all late payments on the accounts listed and accurately reflect 100 % on time payment history since inception of each account or I will take further action to pursue litigation. Please review attachments for the dispute requests and thank you in advance for your immediate attention to this urgent matter.
Consumer complaint received 2023-11-30
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: Experian Information Solutions Inc. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-30
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. (NJ)

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This collection agency has been calling my XXXX year old mother and harassing And threatening her. They threatened to take her social security. My mother is In fragile health and is now a nervous wreck. The debt is not hers. She was a reference listed on a credit card application from 11 years ago.
Consumer complaint received 2023-02-12
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. (TX)

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 # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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.
Consumer complaint received 2023-02-12
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: EQUIFAX, INC. (FL)

This inquiries were not authorized by me. Never having given my permission for them to inquire about my credit status, they were unauthorized by me. 

XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2020-01-14
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc. (TX)

Santander USA has violated Public Law as coded in 15 USC 1692 et al and not given consent to contact me, distribute my personal information or misrepresent themselves as a creditor. This will serve as " NOTICE TO ENFORCE UNITED STATES LAW/FEDERAL LAW '' and demand for removal from my credit report. In addition to this, Identity theft has also been committed by Santander. This company attempted to sell my personal property without my consent, to another 3rd party, which also constitutes " identity theft '' and possible mail fraud.
Consumer complaint received 2023-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

There's FRAUDULENT ACCOUNTS and addresses on my consumer report which I've reported a number of times, AND they have yet to be removed. I've never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX. You, EQUIFAX, XXXX, and XXXX are all in VIOLATION of my rights. Because you have reported FRAUDULENT information to my consumer report, my life had been in shambles... So please remove the address listed ABOVE from my consumer report.
Consumer complaint received 2022-02-22
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. (CA)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX {$530.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2020-01-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (KS)

In XX/XX/2018 I filed a complaint with the department of Insurance of the State of Kansas against XXXX XXXX for not resolving a claim. 

Shortly after filing a claim with the DOI of Kansas we were hit with a phantom bill for {$6300.00}. We were never given notification for what the bill was and the amount was taken from our checking account. I forced XXXX XXXX to return the money and disputed that we owed them anything. 

I believe this was a tactic to get us to stop being a customer of XXXX XXXX by creating phantom charges because of the claim that was filed against them. 

When talking to a XXXX XXXX rep about these charges we were told they were due to an agent under reporting our employees payroll. When we looked at what our estimate was versus our actual amount paid was they were almost identical. 

We believe this was due to an error from the Insurance broker. 

This phantom debt was now passed on to Caine and Weiner a law firm that is trying to collect on this debt listed under the account number XXXX
Consumer complaint received 2020-01-14
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. (UT)

XXXX XXXX XXXX # XXXX is past the Statute of Limitations in Idaho, however it is still reporting to my credit. I no longer owe this debt and I would like it to be removed off of my credit report.
Consumer complaint received 2023-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

CITI XXXX XXXX XXXX CARD ( CITI BANK ) On XX/XX/XXXX I called CITI Bank for a {$120.00} XXXX XXXX Rewards Voucher In was supposed to receive. The female representative assured me not to worry that they had mailed it out in XXXX of XXXX and sense I did not receive it they said they would re issue me a new one and it could take 14 days to arrive. Total time spent on phone was 14minutes. 

On XX/XX/XXXX I messaged someone named XXXX via the CITI customer service app and was assured again that I would receive my {$120.00} XXXX XXXX XXXX but in 1-2 billing cycles. Total time spent chatting via the app 35 minutes. 

On XX/XX/XXXX I messaged someone named XXXX via the CITI customer service app and was assured again that I would receive my {$120.00} XXXX XXXX XXXX but in 5-7 days and to rest assured. Total time spent chatting via the app 30 minutes. 

On XX/XX/XXXX I called CITI Bank and spoke to someone named XXXX. She informed me I was not receiving my {$120.00} XXXX XXXX XXXX and there was nothing she could do except share my feedback about the poor customer service. Total time spent on phone was 1 hour and 3 minutes. No compensation, no formal apology, nothing was offered.
Consumer complaint received 2020-03-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (GA)

I received a notification from XXXX XXXX that my account balance increased by {$24.00}. It also states my loans have been " deferred. '' My autopay appears to have been canceled because of this. I want to be very clear ... I never authorized these changes to my account.
Consumer complaint received 2020-03-07
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I sent out a dispute letter to Equifax on XX/XX/XXXX and Equifax received the letter on XX/XX/XXXX because the sent it certified mail and the receipt came back. I waited about 40 days till i sent out my following letter which was on XX/XX/XXXX stating that i didnt received a response within 30 days of them receiving the first letter which is a major violation under the FCRA law and they didnt seem to care much for it. They did reply after i sent the following letter to them which i received on the XX/XX/XXXX. All it said was the item was verified. They didnt mention anything about the violation that was cause by them and just ignored it. They didnt even send me proof of the item that was supposedly verified. No original documents or signed documents showing me that the item listed was verified in any way which is another violation and if the item can not be proof verified, the item much me DELETED!
Consumer complaint received 2023-01-17
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (AL)

I received an offer from Citi Bank promising a bonus if I took the following " simple '' steps : Open a new account between XX/XX/XXXX and XX/XX/XXXX - XXXX opened my account XX/XX/XXXX. 
Fund your account within XXXX  days of opening your account- I received a deposit receipt from Citi showing my account was funded with {$76000.00} on XXXXThis amount was stated to get a {$1000.00} bonus. 
Maintain your balance for XXXX consecutive days. 
It is now XX/XX/XXXX and I still have not been credited with my bonus. My {$76000.00} is still in their bank. 
I called the Citi phone number on XX/XX/XXXX and after going through many telephone trees was finally able to speak to XXXX who after countless questions and checking my account agreed that I had met all requirements but that she would not be able to credit my account at that time since the information had to be sent to " investigations '' and that should take XXXX  days. My investigation number was XXXX. 
On XX/XX/XXXX I called again having not been credited with the promised {$1000.00}. I spoke to XXXX who said it would be some time before I received the credit even though more than XXXX  days had passed. I asked for a supervisor and after waiting a long time on hold spoke to XXXX who told me there was nobody in the entire Citi system that I could talk to who could credit my account. He stated that many people had taken advantage of the offer and their was a backlog to issue credits which could be as much as XXXX  months. I asked to talk to the " back office '' that he referred to as the entity issuing the credits. He refused. I asked to speak with the legal department. He refused. And then to add insult to injury he hung up on me. 
This is very IMPORTANT. Part of the offer in fine print states that " your checking account must remain open and in good standing from the time it's opened until you receive your bonus.Your bonus will be paid to your checking account within XXXX  days after you successfully complete all required activities. '' To me this is a breach of contract and fraudulent behavior on behalf of Citi.