davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
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. (IL)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2022-02-12
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: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

XXXX XXXX gave a legitimate claim to Helvy & Associates on XXXX from a electric utility invoice associated with a investment property sale. They claim 2 notices were sent along with a VM left for a {$110.00} invoice. 

Helvy & AssociateXXXX made no reasonable attempt to collect this debt in good conscience. They pinged my credit for collection of a {$110.00} debt without attempting to collect. When I was made aware of this on on XXXX, I immediately sufficed the debt and asked them to remove this collection due to the nature of circumstances. This was not done. This has severely adversely, effected my ability to gain credit in a matter of days, dropped my score by XXXX points, and without cause. 

In short, they are illegally placing items on credit collections, without attempting to collect the debt. This is my only collection and has no jeopardized a XXXX XXXX dollar commercial loan obligation. Please help.
Consumer complaint received 2020-12-29
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I am a client of XXXX XXXX at family options. I went for a evaluation for XXXX that cost XXXX . I did three hours of talking with her but did not do the rest. I asked to be charged as such and she agreed. This was on XX/XX/XXXX. I have been fighting back and forth with my bank about if they have refunded me or not. I cant get in contact with the company about what happened either. I got misleading information from both sides. This was done on my XXXX XXXX card, and the location/ merchat is XXXX XXXX XXXX XXXX options at XXXX XXXX XXXX XXXX FL XXXX. Her phone number is XXXX.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. 
XXXX XXXX XXXX reported to the Credit Bureau that my account was 30 to 60 days delinquent and late when in fact it was not late at all. I made a credit card payment to XXXX XXXX XXXX in the amount of {$33.00} payment on XX/XX/XXXX which then left a {$18.00} total balance due - I then paid the {$18.00} to XXXX XXXX XXXX on XX/XX/XXXX bringing my account to a XXXX  balance. XXXX XXXX XXXX reported my account delinquent and late on XX/XX/XXXX without even checking to see I made a {$33.00} payment and that my account was not past due or delinquent and up to date - I feel that XXXX XXXX XXXX is using unfair bullying tactics to scare and intimidate the credit card holder. XXXX XXXX   should have checked my account balance prior to them reporting any amounts past due or delinquent. The amount XXXX XXXX XXXX reported to the Credit Bureau was done in BAD FAITH and was done to punish me and hurt my credit score. Since XXXX XXXX XXXX reported this false past due and delinquent account - my credit score has dropped well over 120 points. Please notify them to correct this unfair and false reporting to the Credit Bureau as soon as possible. Thank you.
Consumer complaint received 2022-03-02
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. (NJ)

Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX Balance : {$720.00}
Consumer complaint received 2022-02-14
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I was paying off my vehicle after a 39 month lease and the dealer added {$2000.00} in dealer and paperwork fees to my payoff which I thought was only the amount agreed by myself and Infinity Financial Services. Then I asked if there was any over paying on my part since I was a day away from my last payment they assured the bank would refund any amount due back to me. The bank then took its last payment from my acct and said I was paid up and no money was going back but it wouldn't be verified until 21 days had passed. I told the dealer and they without apologizing said the would refund me the last payment within 3 to 5 days. Two weeks later I called since no check had arrived and they said it didn't get mailed but they could mail me one this same day. Ten days went buy and still no check! I went to the dealer at infinity and without any apology or our fault they cut me a check. I just want to file a complaint for first adding fees to my payout lease that are purely fictional and for making me have contact them three times and having to show up there for never admitting they took my money and having to pursue them over a month to get it back with no explanation whatsoever. If I hadn't first noticed they had double charge me they would have never said anything and probably blame it on the bank like they originally did!
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

I have applied to refinance my mortgage with a new company. The new mortgage company informed me that my Equifax was frozen and that they were unable to obtain my credit score because of the freeze. I tried to unfreeze the Equifax report online but was denied. I tried multiple times to unfreeze via phone but either was hung up on or put on hold for up to an hour. When I did get ahold of a human ( it was obviously being serviced by an overseas customer service person who was very hard to communicate with ). 

I tried to get the yearly free online copy of the Equifax credit report and was denied. 

I would like your help in resolving the problem with Equifax. I NEVER put a freeze on Equifax. I would like Equifax to unfreeze my account and explain how it was frozen initially. 

Thanks
Consumer complaint received 2022-10-02
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: TRUIST FINANCIAL CORPORATION (NC)

Charge by Truist on my visa charge by XXXX XXXX for service I canceled on XX/XX/XXXX XXXX {$240.00}
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-10-02
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. In 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.
Consumer complaint received 2020-12-29
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. (IL)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX  add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX XXXXI add a hard inquiry on my credit reports.
Consumer complaint received 2016-06-13
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (NY)

I do not receive statements from Citi. I found this out when I found out I was late on a payment last year and was charged a late fee. The associate I spoke to said that they would return the late fee and confirmed that I was signed up for paperless billing, to an email I no longer have access to. This person did not change it or give me any other options on how to avoid this situation in the future, as I told her I do not use this card often at all. 

I signed into my credit card account on this weekend to see how many Thank You points I had, so that I possibly could book a trip. I then find that the account is in late status for 2 months. This is out of nowhere! 

So I called to have this taken care of. The associate I spoke to this time said that he returned XXXX of the fees and that I would have to speak to customer service to get the other XXXX returned as well. So we set up the payment for the amount owed less the fees, about {$50.00}. I then call the customer service number that he gave me and I speak to an associate who says she is physically unable to return the fee under any circumstances because citi 's policy is to only return XXXX fee in a calendar year. 

Figuring this was impossible I decided to ask to speak with a manager. The manager I spoke to " XXXX '' gets on and echoes what the associate sai, actually more extreme. CITI RETURN FEES TO CUSTOMERS ONLY ONCE PERIOD. I explained to her my problem that I had not been getting my statements and that obviously if I had known or received a call or something, I would have paid it. I was {$50.00}!!!! 

She then explains that I can stop my paperless status to avoid this in the future, which I said should have been done the very FIRST time this happened to me! She agreed and remained firm. In the last attempt to get her to see it from my perspective, I explained that I was late on a {$50.00} charge, and that Citi is attempting to pocket OVER {$55.00} in fees alone for this payment. I explained that this was completely unfair. She then explains that this is part of my credit card agreement. 

I then asked her how I might close out my entire relationship with citi, since it callously treats its customers this way, to which she replied that she would be happy to help me with that. Why she had to be so rude is beyond me. This is ABSOLUTELY UNACCEPTABLE. I am absolutely disgusted with citi. I am ashamed to have my XXXX credit card accounts with them, totaling over XXXX in credit.
Consumer complaint received 2020-12-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

On XX/XX/2020, I made a request with my previous insurance broker to cancel my coverage through XXXX XXXX XXXX effective XX/XX/2020. I had already signed up for replacement insurance coverage for my home via XXXX XXXX. 

The new insurance with XXXX XXXX was scheduled to take effect on XX/XX/2020. 

This notification was sent to NEW REZ on XX/XX/2020. 

On XX/XX/2020, I received a letter from NEW REZ dated XX/XX/2020. This letter stated that I NO INSURANCE as required by my loan agreement. The letter also stated that NEW REZ would buy insurance coverage for my home which may not be to my benefit. 

This is the second time I have had to submit a complaint about this company. The last time, I TRUSTED that they would IN GOOD FAITH, correct their error. Unfortunately, they did not do so and continured to harass me and my family for payments they had already received. 

That said, I submitted proof of my insurance to them on XX/XX/2020 ( via website https : XXXX ) as well as by fax on XX/XX/2020. The fax was sent to XXXX XXXX XXXX XXXX. 

This means that they were notified on three ( 3 ) separate occasions that i have the required insurance coverage.
Consumer complaint received 2020-12-29
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. (IL)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

On XX/XX/XXXX, XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2020-12-29
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. (AR)

After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed
Consumer complaint received 2020-12-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIRST HORIZON BANK (AR)

on XX/XX/20 i purchased a XXXX XXXX watch using my debit card i never received the merchandise so my bank told me to sub a dispute to my local branch. i was denied the dispute. my bank could not tell me what institutions the money went only the merchant how can this be when i received a credit of {$14.00} on XX/XX/20 when i know that the money did not go direct to the merchant because my account was debited by XXXX XXXX for {$58.00} on XX/XX/20. they are rejecting my dispute!
Consumer complaint received 2020-12-29
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. (AR)

After pulling my report from a mortage lender i noticed the debt on my credit profile. After reviewing the report i saw an account with a balance over XXXX. I knew that it couldnt have been mine. So Im am submitting a dispute to get it removed
Consumer complaint received 2020-12-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commercial Acceptance Company (NJ)

To Whom It may Concern : I Receive a collection letter from commercial acceptance co, I repeated told them i had car & health insurance during the accident, one of them should have cover the cost, but the collection agency is XXXX bent on collecting its money without any proof or bill that i owe the city of XXXX. they specially told me they cant provide me with a bill the last time we spoke.
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a Citigold checking account in-branch back in the spring and had a promotion where I would receive XXXX XXXX miles after completing certain spending criteria within 3 months. 

I met those criteria in time, secure messaged with citi customer service and was notified that I had satisfied the criteria for my promotion and would be receiving the miles within 90 days from then. 

The miles never arrived, and when I followed up with citi support via secure message, they said I was n't eligible for the offer. When the citi XXXX previously confirmed via SM that I would receive the miles, they did NOT mention anything about not being targeted for the promotion. The in-branch representative with whom I applied also assured me and was excited for me to receive the bonus. 

After numerous follow up secure messages and phone calls, after which Citi conducted " investigations '', they still concluded that they would not be giving me the bonus due to my not being targeted. A friend of mine signed up under the same promotion about the same time I did and received their bonus, despite not being " targeted '' either. So it appears Citi is inconsistently honoring their promise. 

I 've enjoyed using this account, but it 's frustrating that Citi wo n't take care of their customers. I feel tricked. I 've been paying $ XXXX for this account, the least they can do is honor the promotion I signed up for.
Consumer complaint received 2022-10-02
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. (CA)

the account that XXXXXXXX XXXX is reporting has been charged off therefore it should not have a balance it should not have a credit limit and it should not have a late payment ... also the dates on last day active are different, for transunion its XX/XX/2021 for Experian it's XX/XX/2021 and for XXXX XX/XX/2021 XXXX conclusin the reporting of Apple / XXXX account XXXX it's totally inaccurate you have to delete this immediately there's no way this should be in my credit report!!
Consumer complaint received 2019-12-12
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: VW Credit, Inc (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Sometime XXXX last year, XXXX and Equifax pulled down my credit score by XXXX points which I found to be unfair credit reporting and a violation of FCRA law. My application for housing loans were all declined caused by this error on reporting. May I therefore request your office to help me restore and correct the error made on my credit report. Your kind assistance will be deeply appreciated.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ACCOUNT # 899285 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2020-12-29
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: TRUIST FINANCIAL CORPORATION (NY)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XX/XX/XXXX - XXXX and REGIONAL ACCEPTANCE CORP add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.