davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (SC)

In XXXX I signed up for a Discover credit card account and was unknowingly enrolled in a payment protection plan. Unfortunately, today, XX/XX/XXXX, I finally realized I have been paying for this plan for almost 10 years. I was not, until today, informed of this program, it's supposed benefits or that it would continue to charge me fees over the life of the account. I was not notified after lawsuits were filed and refunds processed. I have moved 6 times since opening the account and unfortunately never received a notice regarding these fees. I have not used this program, nor did I ever intend to. Looking through online statements from XX/XX/XXXX to current day, I have been charged {$1900.00} please see the XXXX sheet attached with amounts and dates. This total does not include anything from prior to XXXX as I do not have access to those statements online. 

I called customer service today immediately after identifying these unsolicited charges to cancel. They advised me they would be able to refund the past six months fees which totals {$73.00}. This is such an insignificant amount compared to what I've paid over almost 10 years of being a loyal XXXX customer and it is entirely unacceptable.
Consumer complaint received 2019-04-16
Product: Credit reporting, credit repair services, 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. (AZ)

The following employment data reported on my XXXX XXXX, XXXX and Equifax credit report is inaccurate : XXXX XXXX and XXXX XXXX XXXX XXXX. I have never worked at XXXX or XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-04-06
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 — Was not notified of investigation status or results
Company: LEXISNEXIS (AL)

I have disputed a public record item that is on my credit report with XXXX, LexisNexis, and XXXX. XXXX has removed the item, but these 3 have said they verified it with the Bankruptcy court. I have and have presented the letter from the Bankruptcy court that indicates that they do not verify this information with 3rd parties. I have disputed the item at least 3 times and have been getting the same results. At this time I'm not only filing a complaint with you, but I'm also looking into going to court due to the fact this reporting has delayed a mortgage loan I'm currently trying to get.
Consumer complaint received 2020-04-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (CA)

During these times I went out to PHH Mortgage to see about a forbearance on our loan. The plan they have is criminal. Yes, they let you slide on 3 months payments but then at the end of the forbearance period ( 90days ) they want it paid back IN FULL along with a regular payment ... basically 4 months payments at once! WOW, if one could accumulate 90 days of mortgage then why would I need a forbearance? What should be done is to just add the 3 payments/months to the end of the loan. This plan they present is not a help but nothing more than what a loan shark would do. This needs to be stopped. It is a recipe for them to foreclose on the loan. No one who is having trouble could make that huge payment.
Consumer complaint received 2020-04-06
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 am writing this to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by the three ( 3 ) parties listed below : XXXX XXXX. XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Consumer complaint received 2022-12-28
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. (IA)

I was wrongfully XXXX  with a collection for {$500.00} from my previous apartment complex that they have admitted to XXXX XXXX  on time and time again. They have given me sufficient information that I have passed on to Experian that admits they made a XXXX XXXX  and that this collection should have never ended up on my report. They have also reached out to the collection agency and explained to them what happened and have assured me that all the necessary steps have been taken.. However, every time I get new info I submit a dispute on Experian and every time they side with the collection agency. They know what they are doing is wrong and they do it anyway, Experian needs to take a closer and better look at the facts and fix this fraud collection. I've disputed this 5 times a this point and every time they just notify me that it " will remain on my report ''. I have given them everything they need to justify it shouldn't have been added to my report in the first place. Not to mention, if you can read my previous complaint, I was never notified of the collection by the collection agency nor was it ever validated.
Consumer complaint received 2020-04-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: COAST PROFESSIONAL INC (TX)

Currently, I have a loan that has bounced around between a few companies. It was originally with the US through FAFSA. I called and talked to someone on the phone who gave me very limited options. Forbearance and deferment were out of the question. I'm trying to go back to college. Eventually, we reached a settlement, that if I could pay off the debt I would be out of default and be able to go back to college. However, I am unable to pay off the debt in that amount of time and will be unable to attend college again in the summer if I can't somehow get out of default. Forbearance would get me out of default temporarily but wouldn't be enough to attend college and get a degree. If I could do deferment, then I could attend college again. My credit will still be shot but I can move forward in life and better my life with the hopes of getting a higher-paying career that will be able to pay back the debt later.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On Monday, XX/XX/2020, I filed a dispute with Experian to dispute the erroneous name, of XXXX XXXX, being shown on my credit report. I have NEVER used the name XXXX XXXX without adding the XXXX as my middle initial and it should have never been added to my credit report without the XXXX This is a fraudulent, erroneous entry as I have Never used that name. The ONLY name that should appear on my credit report is XXXX XXXX XXXX. On XX/XX/2020, Experian sent me a letter refusing to remove this fraudulent, erroneous name and Experian also stated that they would never accept a written dispute sent thru the mail. I submitted a complaint to the CFPB on XXXX and as a result of that complaint, on XX/XX/2020, Experian again refused to remove the erroneous name from my credit report and Experian LIED when they said they were forwarding me a copy of my credit report! On XX/XX/2020, I received their latest letter refusing to remove the erroneous name from my file but Experian did NOT send a copy of my credit report as they had promised to do. Why doesnt the government take better control of these egregious credit reporting agencies and stop them from adding erroneous and fraudulent information to peoples personal credit information.
Consumer complaint received 2020-03-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (FL)

I have contacted XXXX  and XXXX  regarding collections against me from Jefferson capital system, they are trying to pass off old collections as new ones on my credit report. One of them is an old XXXX account thats over 7 years old and also a car loan they are not providing the correct amount and are trying to pass it off as a new debt of 2019 which is not accurate I have contacted both agencies and they are not correcting it. My car was bought back by the company and sold they have not included the amount they received from the car sale ... price lease help get the XXXX off my record since the XXXX account is so old it doesnt even show on my report they are trying to pass it off as new debt
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion LLC XXXX. XXXX  XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX-XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I just reviewed my credit reports and it shows inaccurate and unauthorized account.

Please see the copy of my dispute letters that were already sent to the involved Bureaus.

I have not received any responses yet
Consumer complaint received 2024-04-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC. (OH)

Ive asked Santander to please remove the collection/charge off on my credit. They have been reporting inaccurate information to the credit bureau causing me to have derogatory remarks on my credit report. None of the dates being reported on my XXXX XXXX, XXXX, and XXXX score matchup they all say something different. The loan amount reported for all three scores are totally different. Ive asked Santander to provide me with the original contract, and to validate the debt they have failed to do either. 
XXXX XXXX : Date open : XX/XX/XXXX Credit amount : {$15000.00} Last reported : XX/XX/XXXX Date last active : XX/XX/XXXX Date of last payment : XX/XX/XXXX XXXX : XX/XX/XXXX Credit amount : {$17000.00} Last reported : XX/XX/XXXX Date last active : XX/XX/XXXX Date of last payment XX/XX/XXXX
Consumer complaint received 2020-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc (MO)

I was checking my credit report recently and noticed inaccurate information pertaining to my credit report. It's showing a collection for XXXX XXXX  in the amount of a {$160.00} on XX/XX/2016.
Consumer complaint received 2020-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

So I had previously filed a complaint against Bank of America for arbitrarily lowering my credit limit from {$7000.00} to {$4000.00} and reporting late payments to the credit bureaus even though I had in fact made monthly payments ( XXXX ). Surprise, surprise when a bank investigates themselves, they don't seem to find any wrongdoing! 

As a follow up to this in XXXX, I paid off the majority of my balance, leaving me with approximately {$400.00} of my {$4000.00} limit. 

Though I probably shouldn't be surprised at this point, this audacious institution committed another egregious act against my credit report XXXX on my birthday ), and lowered my credit limit from {$4000.00}, to {$500.00}, taking my reported usage from 10 % to 90 %! So let 's review! 

XXXX. Consumer illustrates ability to pay off over 80 percent of balance in spite of previous damage done to credit report done by Bank of America 2. Consumer is 'rewarded ' by having credit limit reduced and as a result, reported usage skyrockets from 10 % to 90 % When will the consumer finance protection bureau finally step in and take action against this shameless institution?!
Consumer complaint received 2020-03-26
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (PA)

I have previously submitted Identity theft complaint to all 3 credit bureaus. My FTC report number is XXXX. My issue is I sent 2 separate FTC reports trying to resolve the accounts and inquiries on my credit report that does not belong to me. XXXX, Equifax and XXXX  as failed to protect me as a consumer and block those items on my Identity theft reports under the FCRA section 605B. This is a direct violation of my rights as a consumer. How can the verify information that is fraudulent and my personal information has been stolen and used without my permission.
Consumer complaint received 2020-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans union is reporting a fraudulent account on my credit report XXXX I have never had a loan with XXXX. XXXX XXXX  is in litigation for fraudulent account and misses handling loan finance they are in violation of OCCC Section 348.114. And are under investigation, I filed a dispute with Tran Union, and XXXX  in detail explaining that all information that they have received has been fraudulent and untrue, at this time XXXX can not respond to anyone and XXXX  has filed Bankruptcy and no longer exist. Not even the credit beau can get them to respond to them. I am not understanding how the credit reporting agency can go in and switch names off of the account that reported bad debt XXXX  and add XXXX name on it with out a full investigating I have never had a Loan with XXXX and the information that they are reporting is false and Fraudulent. XXXX have violated Texas Finance Code 168.1 and 602.1 and 698.3. and sense XXXX  no longer exists, and the company is in litigation and is unable to respond Tran union need to remove this fraudulent file from there reporting banks, credit reporting need to be the same and or read in dispute, XXXX reported to XXXX  as a paid off and XXXX  do not show any reporting of XXXX or XXXX on Trans Union is showing fraudulent reporting they are in violation of Texas Penal Code 36.06.

Texas Finance Code 391.002 15 USC 1681 / 602.1 and 698.3. 
16 CFR Part 602 - FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003 The rules formerly at 16 CFR part 603 have been republished by the Consumer Financial Protection Bureau at 12 CFR 1022.3, Fair Credit Reporting ( Regulation V ). 

I have attached all documents and would like this item removed or corrected and while they are removing this fraudulent account it need to state in dispute while they investigate I have prepared myself to take Trans Union to court as well as XXXX XXXX XXXX XXXX SSN # XXXX
Consumer complaint received 2021-09-07
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. (CA)

I natural person, consumer, and creditor PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )
Consumer complaint received 2020-03-26
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

On Saturday XX/XX/XXXX I found in my mailbox a credit card statement from Office Depot XXXX with some transactions done on XXXX XX/XX/XXXX with a total balance amount of {$650.00}. The trades were performed in the State of Nevada ; the first one was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX office # XXXX as an advance done in visa ATM for {$300.00} ( XXXX XXXX dollars ), some items in XXXX for {$100.00} ( XXXX XXXX dollars ), plus some fees for a total of {$41000.00} ( XXXX XXXX XXXX and XXXX XXXX cents  ). 
The second was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX office # XXXX as an advance in Mastercard ATM for {$200.00} ( XXXX XXXX dollars ) and some items ( granola chewy XXXX, stack snack, wipe sensitive for {$32.00} ( XXXX XXXX dollars and XXXX XXXX cents ) plus some fees for XXXX ( XXXX dollars and XXXX XXXX cents ) for a total of {$240.00} ( XXXX XXXX XXXX dollars and XXXX cents ). 

I live in the state of Florida and on the date that the transactions were done I was in XXXX. 
The same day that I received the statement called Office Depot store customer service, explain that I don't have Office Depot credit card and the lady that answered told me that the card number didn't exist neither in my name nor in the name of my company as it is written in the credit card statement. She gave me a phone number to communicate with Business credit card Office Depot department to clear the situation. 
Today XXXX XX/XX/XXXX XXXX XXXX  east time, I had communication with them, they recorded the call and the lady told me that in XX/XX/XXXX, I did an application to get a Credit card, but I never received the card and really I never asked for it. Is more the card is a business card but is not there on the statement the complete name of my company. She requested the complete name of my company and the address to start an investigation. That could mean that she didn't have my information. 

In conclusion the statement is a fake notice, I never had a credit card from Office Depot store, I live in Florida and there is not any possibility that I could have done the transactions made in XXXX XX/XX/XXXX in the State of Nevada. I hope you can help to resolve this problem. 

Thank you in advance for your time and consideration NOTE : Please see statement attached
Consumer complaint received 2024-04-11
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (WA)

I opened an account with Citibank where if I transfer money into a checking account they will give me {$200.00} and pay my 5.11 % APY. 

They flagged my transactions as fraud then without explanation, they closed my account. I think Citibank is intentionally delaying so they can keep my money without my permission. 

I feel they are committing bank fraud and are going to take up to 60 days to release my life savings of {$19000.00} This bank is a fraud and needs to be held accountable.
Consumer complaint received 2022-11-05
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)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 

XXXX : XXXX XXXX  XXXX Balance : {$27000.00} Equifax : XXXX XXXX XXXX Balance : {$27000.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$28000.00}