davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CT)

We opened an account with Citibank two weeks ago and it has been a whirlwind of a nightmare to say the least! First of all I deposited a check to savings and it was flagged I spent two days trying to straighten it out from calling the person who gave me the check to call them, to two people from the accountant department of establishment that provided the check. I called a total of 11 times asked to speak to supervisors was hung up on several times was told they werent available.finally got a supervisor and asked her what else I can do to fix the problem and asked her why she froze my checking account when the check was deposited to savings and they hadnt paid anything! and then asked her to just void the check and I will deal with it at a different bank! Her response was it was fraudulent activity and they would continue to keep it locked and move to close the account! Two hours later I called back spoke to someone else and she said that email came through from the maker four hours prior and you should be all set. What! She removed the hold now two days later checking is locked cant get to my funds! I might add that savings isnt affected but funds I deposited four days ago are still on hold! I call three times oh that department is doing maintenance! Call back! I just want my funds and to close it! Thank you! Never once did they even notify us of the problem either time, so we would know not to pay anything! They need to be investigated they are shady! Also never ever had a bank have you tell them your account number and ask you for your pin! your pin is suppose to be protected!
Consumer complaint received 2022-05-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

The Credit Bureau stated the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was reporting accurate and im trying figure how that is possible if the there is not an account # number and the date of last activity is not reporting correctly on all 3 bureaus which is ground for automatic removal.

They also violated my rights under the 15 USC 1681 section 604A section 2. The law clearly states that a consumer reporting agency can not furnish information on my credit report without my written instruction, and they clearly violated my rights.

They also violated my right under 15 USC 1681 section 611 ( 2 ) ( a ). The law clearly states the credit Bureau has 5 days to notify me from the when they receive my disputes they didnt. 

They also violated my rights under 15 USC 1681 Section 611 ( 5 ) ( a ) ( i ). The law clearly states that if an item on a credit report cant be verified and its inaccurate it needs to be removed.

All in all the point of the FCRA is make sure consumers rights are not violated and the credit bureaus use an E Oscar system to do disputes which is not what is required from them saying account inaccurate and not doing an investigation and have to send me anything showing how they investigated these accounts. See attachments for the account above show how inaccurate they are and was said to be accurate..
Consumer complaint received 2023-07-25
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. (CA)

XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} In good standing with XXXX XXXX XXXX LATE PAYMENT ( XXXX ) Balance {$0.00} Balance updated XX/XX/XXXX This should be updated to reflect in good standing across all credit Bureaus XXXX XXXX XXXX XXXX I also have contacted them many times about removing my membership they continue to ignore my requests and continue reporting incorrectly. Putting my credit score in peril without my consent. 






XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Complaint : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report. 

XXXX XXXX XXXX XXXX- I did not authorize this Inquiry. I did not give them a permissible purpose. Please remove from my credit report with XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2019-01-20
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. (GA)

On XX/XX/XXXX, I previously submitted a complaint regarding an Unauthorized Inquiry from XXXX XXXX  on my Equifax Credit Report via Complaint # XXXX. 

On XX/XX/XXXX, XXXX XXXX  responded to that complaint advising that they sent information to Equifax to remove this inquiry from appearing on my credit report. However, as of present, XX/XX/XXXX, the inquiry is still appearing on my credit report. Equifax has stated they haven't received anything to remove the inquiry, I disputed the inquiry, yet chase says it's valid which contradicts the letter that they sent me confirming that they alleged they sent correspondence to Equifax to have this inquiry removed. 

Please resolve this issue immediately per your letter advising that you requested the inquiry to be removed as per Equifax, they don't have anything from you supporting this.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.
Consumer complaint received 2023-07-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

LVNV is obligated by the FCRA to report accurate information. Consumer disputed a listing on credit report. I have requested validation of the original debt or accounting regarding debt. it has been over 30 days. I was sent a billing statement. an account billing statement is not accounting. LVNV has also been told to Cease and Desist. see attached affidavit. I have sent this via certified mail to give LVNV a chance to cure their fault.
Consumer complaint received 2024-02-21
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. (NC)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-02-26
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. (OH)

I have been trying to work with the agencies that are continuing to report wrong information on my credit report. I know I have every right to dispute these accounts that is severely hurting my credit and preventing me from purchasing a home and a car. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-02-26
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: Experian Information Solutions Inc. (NY)

My student loans were transferred from XXXX XXXX to XXXX and then were paid off via pslf. XXXX does not seem to exist as a company anymore and its impossible to contact them. My old XXXX  account is still showing up on my credit report as being open with a balance which is incorrect
Consumer complaint received 2022-05-17
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. (NC)

I have asked XXXX, XXXX, and Equifax on numerous occasions to remove personal information errors off my credit report, they either do not respond or the falsely verify with no grounds. These things need to be removed off my credit report at once. 


XXXX XXXX XXXX XXXX, NC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX
Consumer complaint received 2024-02-21
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: Experian Information Solutions Inc. (KY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my XXXX and XXXX information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

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 : XXXX Account Number : XXXX Account Number : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2022-10-26
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. (LA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-07-25
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. (MS)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

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

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2019-01-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (MO)

I start attending XXXX XXXX XXXX XXXX XXXX College fall XX/XX/XXXX and continue to spring XX/XX/XXXX. I completed the In school Deferment Request for both semesters, yet Nelnet continue to bill me while attending school. I paid on my school loan during my deployments, when I did not have too. Do not understand way Nelnet is ignoring my request for deferment. I must return to school because I need to obtain more education to increase my chances of obtaining a better paying job.
Consumer complaint received 2024-03-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My complaint from XX/XX/year> was never answered. Only a phone call stating I would receive another call from a resolution specialist within a FEW days. Well, that call never came, much like my check, and now they need 60 days to answer?! Just send my money please! I dont understand and cant fathom what on earth they are doing by not sending me my money/cashiers check! I should not have had to wait this long ( 6 months! ) let alone until XXXX! If its not enough money for them to put tracking on, which is absurd by the way, then its not enough for this bank to keep XXXX! It was first supposedly mailed in XXXX, it is now XXXX and I STILL dont have my money from this account! I honestly believe it was never mailed the first time, either, and all those XXXX  sleepless nights thinking someone might cash my savings was for not! What an absurd and cruel bank! Please send me my money!! Ive had to get a second part time job XXXX XXXX to make ends meet, because this was all my savings!
Consumer complaint received 2023-12-06
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. (CA)

I AM A VICTIM OF THE XXXX SECURITY BREACH ON MULTIPLE OCCASIONS. 
I HAVE BEEN VILIFIED BY FINANCIAL INSTITUTIONS AND CREDITORS. THERE ARE MULTIPLE DAYS AND MULTIPLE ACCOUNTS IPEN UNDER MY NAME DUE TO THIS BREACH AND IT IS HINDERING MY RIGHTFUL QUALITY OF LIFE. 

I HAVE ATTACHED ALL NECESSARY DOCUMENTATION WITH DATES AND FINANCIAL AMOUNTS. PLEASE REFERENCE THEM FOR FURTHER INFORMATION.
Consumer complaint received 2019-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

This company continues to put false information on my credit report. I have a letter and emails from the Apartment Manager saying I dont owe that and also a email agreement to be let out of lease also pictures of the apartment cleaned carpet and all. I have work orders from the 2nd day of moving in complaining about the bathroom floor leaking etc I have 30 work orders that I saved also witness from the last 2 previous tenants saying they had the same issues and were charged for it when they moved out. I will take this company to court this is not right and As of this moment I am getting all the information from the judge etc pictures and all I even have live videos of the place and the neighbors as witness of how the place was cleaned and the carpet company as a witness they cleaned the carpets spotless yet I'm being charged for carpet even after I asked for an exit walk through and they refused to do so that's why I took pictures and live videos and only spoke through emails so I can have it because they never fixed anything and I knew they would scam me that's why I had the health inspectors out there. Please show me the proof of what's owed or what was not cleaned because I have the live videos and pictures and emails from the manager saying I didnt owe I have all that stuff the clerck of the courts advised me to do so this is so wrong and it's a crime to falsely bill someone XXXX for what a floor that was already messed up I have the work orders that I put in from even the 2nd day even the previous tenants has work orders that they had put I for the same floor when they lived there we could of fell through yet they want to charge for wood they should of replaced a long time ago this is wrong so guess what I am filing charges and they tell me they no longer owe this account so I will go after this company for falsifying information I took all this to the court house when. We went to court I took the complex to court so the ongoing issue is already known that's why the health inspector came out this is wrong so I am suing. This is fraud and is against the law to charge or place something on someones credit that they dont owe especially with a signed letter from the leasing manager saying I dont owe it. I am pressing charges.
Consumer complaint received 2023-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

This is my several request to 3 Three Credit Bureaus to get this matter resolved. I've submitted previous complaints with the CFPB & you claim I'm submitting the information for someone else. I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Credit Bureaus has failed to comply with Fair Credit Reporting Act ( FCRA ). The account is still reporting to my credit file held by them. This account is opened fraudulently. I informed them of the issue & provided them with the required documents to correct the account via FCRA. They have failed to verified the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account be corrected by the bureaus from my report : XXXX XXXX XXXX XXXX Balance : {$4800.00}.
Consumer complaint received 2019-01-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (NC)

ALLY FINANCIAL, they have done this to me twice, they call 3-5 times a day after you are late 5 days, they offer you a loan extension to place the owed payment on the back of the loan if you pay right away, once you pay, you get a call usually about 10 days later, but in my case they called about 7 days later requesting back payment, I informed them of the extension payment and they tell you that you had to sign and return by mail, not fax, or email this letter, once I told her that its not been 10 days, shes says my extension request was denied ..there was never a mention of any letter, just payment
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SYNCHRONY FINANCIAL (FL)

So I was going to start a XXXX  program. But part way into it they stopped from the photos because my XXXX XXXX XXXX  and they wanted a dentist to review. This is nothing against XXXX  they did everything right and alerted me to further issues my previous dentist did not. They canceled the account out. 

At this time, I had signed up through a financial plan third party with XXXX through synchrony bank. That took 2 payments out. XX/XX/year> & XX/XX/year>. They were alerted of the cancel, closed my account and issued a check Closed XX/XX/year>, and issued a check XX/XX/year>. I was told wait 15 business days. No check. They started an investigation to confirm the check wasnt cashed and reissued a check. Still nothing. Theyll be issuing another check this Friday. 

The customer service has been awful, cant even talk to a supervisor. Ive requested proof that the check was sent or at least an email of receipt that we had these conversations and concerns. Still nothing. 

Contacted my bank. Im not able to file a dispute or claim because it was a loan and signed through account transfer. Her only advice was to file a police report for services not rendered.