davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

There is a fraud issue on my Citibank Checking account. Citibank claims that this is a merchant dispute. It is not a merchant dispute over a service or item, it is unauthorized use of my debit card number, fraud. 

I have been lied to consistently by the dispute department telling me that they don't have any information on this and a provisional credit would be issued by the back office. According to the back office on the last CFPB claim, they had already denied the claim as a merchant dispute days ago. They have refused to explain the reason for their decision other than claim this is a merchant dispute which it is not. 

I can not accurate information from this institution and they have substantially damaged my account and relationships with institutions I pay from this account. 

I need to receive credit for the fraud amount that was lost and credit for all the overdraft and penalty fees. 

This behavior is simply egregious and illegal for an FDIC bank. As they stated in their previous response that have all this recorded.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

On my credit report I see a credit card I did not authorize and I have spoke with XXXX XXXX and they can't help me or assist and I am requesting this to be removed from my credit or marked as closed due to I have no knowledge and it's incorrect and a violation to FCRA " All must report accurate information or shall be subject to penalty '' I have made this my third and last request otherwise I shall file a Class Action as I have checked that XXXX XXXX is incredibly high in fraud and transactions as of any other bank.
Consumer complaint received 2022-06-05
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. (MI)

I XXXX XXXX am submitting this complaint without any assistance from a third party. Attached below is my FTC Identity Theft Report and full compliant. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit.
Consumer complaint received 2022-06-05
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)

On XX/XX/2022 The Credit bureaus stated XXXXXXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and XXXX XXXX account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2022-06-05
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. (MN)

I've tried contacting XXXX and Equifax about these unauthorized inquiries on my credit report, but have been unsuccessful. Attached are inquiries on my credit report I did not authorize and would like them removed.
Consumer complaint received 2022-06-05
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. (NY)

There are items on my report that are not mine. I have disputed this information with the companys and the credit bureau and the information still remains. I would like it removed immediately.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Adjustment Service, Inc. (CA)

This company appeared out of nowhere. I did not receive any mail or calls from them or XXXX. And this is from 2016. They have various violations on my credit report. From symbols on their letterhead to stating open account. I have enclosed these violations so you can see for yourself. I am stressed out about this stuff because they should know better. If I never would have checked my credit report, I would not have known these violations.
Consumer complaint received 2022-06-05
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. (TX)

In accordance with the Fair Credit Reporting act, " XXXX XXXX XXXX '' Account # XXXX " XXXX '' Account # XXXX " XXXX XXXX '' Account # XXXX has violated my rights. 

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
Consumer complaint received 2022-06-05
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. (FL)

On XX/XX/2022 The Credit bureaus stated XXXX CARD account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, XXXXXXXX XXXX account # XXXX, XXXX XXXX  account # XXXX and XXXX XXXX  account # XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is inaccurate. This is grounds for removal. They also violated my rights under 15 U.S.C. 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Consumer complaint received 2020-12-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (CA)

I have called 4 times to have my account updated and I have gotten poor customer service by the associates. I submitted a {$1700.00} payment to my escrow account to be applied for escrow shortage. 

My required monthly payment for XX/XX/2021 is incorrect and it should be updated. I also think that the monthly escrow account is way too high considering that I already paid half of the shortage.
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (LA)

Yes, I made a purchased of a computer from XXXX website, it arrived to where it would not boot up. I tried to return it to the store, thats when I finds out that Ive purchased it though a third party which I didnt know XXXX XXXX third party vendors on their website. XXXX customer service rep at the store told me I had to go to XXXX. I goes to XXXX about XXXX  days later then they told me I needed a returned label. I didnt know how to request a return label, the young lady at the store did the request. So while XXXX waiting on the label from XXXX it came from the third party vendor, XXXX XXXX. When I found the email I printed it and goes back to XXXX. The XXXX clerk told me I had to go XXXX. The company wants to fix it and sent it back at new price cost. I still dont have the computer since XXXX. XXXX wants me to pay for a computer that never work
Consumer complaint received 2022-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have a personal credit card with Capital One Bank. I made a credit card payment on XX/XX/22 for {$280.00} from my Capital One checking account. The bank has placed a 26 day hold on my payment. I have no access to credit on my account. I have no ability to pay for food and gas. They should be able to verify that the funds have been withdrawn from my Capital One Checking account since its the same bank. I called the customer service line for 45 minutes. When I finally spoke to a manager he said he does not have the authority to release the 26 day credit card payment hold. I asked him to escalate my complaint to someone else who has the authority and he said there is no one else. He could not provide me with a good reason as to why my payment has a 26 day hold. He just said that the system places a hold because I made multiple payments within a short period of time. This is ludicrous. This is wrong. Please help me.
Consumer complaint received 2022-04-15
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. (AR)

On all three credit bureaus, there is a XXXX XXXX account that is showing opened XXXX and closed XXXX. I have the last 4 of the account from my credit bureaus. Yet, XXXX  XXXX shows NO account at all with the number I have, under my name or SSN. XXXX XXXX says the Credit Bureau should remove it - The Credit Bureau says it is XXXX XXXX who should. I've filed disputes in XXXX and XX/XX/XXXX- they do not respond to the issue, and only say the " account status is closed ''. I do not ask for a status- I ask for the account to be removed from my credit bureaus because my SSN isn't on the account! An hour plus on the phone and several phone investigations on XXXX, XXXX XXXX confirms the account isn't attached to me at all.
Consumer complaint received 2022-06-05
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (AL)

I had to file XXXX XXXX bankruptcy in XX/XX/XXXX because my husband was terminated from his job and I could not pay all of the bills on my income alone. He applied for Unemployment but was denied. From XX/XX/XXXX - XX/XX/XXXX my hours were decreased due to COVID-19, and from XX/XX/XXXX - XX/XX/XXXX I had XXXX income due to me having to go on FMLA. I fell off payroll and did not receive a paycheck for months! On XX/XX/XXXX I received a call from Nissan saying they were coming to repossess my cars because my bankruptcy has been dismissed! I had NOT received any notification from the bankruptcy courts nor my attorney stating this. I received a notice from 2 different attorneys for Nissan. I did not know which one was the correct one I needed to contact. However, my bankruptcy attorney stated HE or the bankruptcy courts is ONLY supposed to communicate with all creditors once I hired him to represent me & file my XXXX XXXX, that Nissan was NOT supposed to contact me. I assumed the past due balances were included in my XXXX  XXXX fees, because my payments went from {$140.00} per month to {$400.00}!!! However, I thought my forbearance for financial hardship due to COVID, did not expire until XX/XX/XXXX. I was terminated from my job in XX/XX/XXXX & I applied for Unemployment, while waiting for a hearing date to do an appeal to try to get my job back. My household currently has no income & I need help with my car notes, mortgage, and all other bills. My XXXX  XXXX was converted to a XXXX  XXXX and the case was DISCHARGED in XX/XX/XXXX. I received notification from the bankruptcy court/trustee that a payment was sent to Nissan. However, in XX/XX/XXXX or XX/XX/XXXX XXXX sent a repo company to come get my XXXX. We were in quarantine due to a family member testing positive with COVID, and we also had a death in the family! They did not care and they sent me a paper stating although they repoed the car, I still owe them {$27000.00} ( which is MUCH higher than the blue book value )! My attorney stated the courts released and/or discharged me from ALL of my debts and they were notified. Plus, they received a payment directly from the courts that was not applied towards my loan, and was NOT refunded to me... therefore, because they did NOT give me an option to refinance the car, or pay what was past due, and they immediately came to get the car that I DO NOT owe them ANYTHING! The account is discharged/paid in full!
Consumer complaint received 2022-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc. (FL)

As a Federally Protected consumer a natural living man COMENITY BANK have violated my consumer rights to pravacy. Pusurant to 18 USC 1028A ( a ) ( 1 ) and 15 USC 1681g ( 11 ) Comenity Bank violated my consumer rights.
Consumer complaint received 2022-06-05
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. (GA)

Currently have student loans that are in loan forgiveness but shows on my report as late. From XXXX, and Transunion no score is available for me since XXXX  but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all bureaus.
Consumer complaint received 2022-06-05
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. (GA)

Currently have student loans that are in loan forgiveness but shows on my report as late. From Equifax, and XXXX no score is available for me since 2019 but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all bureaus.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I'm never late on these accounts. I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please repair and update these accounts immediately.
Consumer complaint received 2022-06-05
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. (MI)

RE : Intent to file lawsuit, no response for Validation documentation. 


Validation Letters sent to : XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ` XXXX XXXX XXXX XXXX Account # XXXX Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received no response from them and/or no proof to validate their claim. 
They have broken the law by their non response within the time period allowed by law. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this erroneous claim. 

I urge your company to take this extremely seriously as I have documented my case without error. I encourage a response from your company expeditiously
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I've tried contacting Transunion and XXXX about these unauthorized inquiries on my credit report, but have been unsuccessful. Attached are inquiries on my credit report I did not authorize and would like them removed.
Consumer complaint received 2022-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: ProCollect, Inc. (TX)

My name is XXXX XXXX XXXX. Myself and my adult Children XXXX XXXX, and XXXX XXXX lived at XXXX XXXX XXXX in XXXX, TX in XXXX  ( XXXX XXXX XXXX ). When we moved from XXXX XXXX XXXX, there was a balance owed to which XXXX XXXX sold the debt to Procollect. ProCollect was paid in full for the outstanding amount of {$1.00}, XXXX on XX/XX/2017. ProCollect continues to report that the debt remains outstanding. I have applied for an apartment and ProCollect is showing as an outstand balance to XXXX XXXX Townhomes. I and my daughter XXXX have attempted to reachout to ProCollect to resolve the issue as time is of the essence and are getting stonewalled. The apartment complex that we are applying to has agreed to hold the unit until close of business Monday after that we will loose the unit to another family. The account number for ProCollect is : XXXX. We are dealing with a XXXX XXXX. The bill was paid with a XXXX credit card and I am attaching a copy of it as proof.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 
Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the XXXX XXXX compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXXXXXX XXXX - XXXX XXXX - XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-09-29
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. (FL)

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 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 instructions.
Consumer complaint received 2022-06-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Service Bureau (TN)

The PROFESSIONAL SERVICE BUREAU , INC. whose address is XXXX XXXX XXXX XXXX MN XXXX has been attempting to collect on a debt already discharged by a 1099-C in the amount of {$14000.00}. I need my account updated to reflect that all payments have been paid as agreed.
Consumer complaint received 2022-06-05
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. (GA)

Currently have student loans that are in loan forgiveness but shows on my report as late. From XXXX, and XXXX no score is available for me since 2019 but Ive been getting denied from lenders due to my score. Ive worked on my score for years and no improvement. Theres something going on with my credit. Please Im requesting an investigation into all bureaus.