davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CO)

I called to dispute a charge and request replacement card back in XXXX. Citibank cancelled my acct without my permission. They then reopened it and stated they were sending new cards. i STILL HAVE NOT RECEIVED NEW CARDS FOR MYSELF OR AUTHOIRZED USERS. then today Citibank unlocked my card and indicated i located it when I do NOT have the card any longer, and i never logged on or called and advised anybody I found the card and refuse to offer or give me credit line increase
Consumer complaint received 2020-08-06
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: EQUIFAX, INC. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. XXXX XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX   XXXX {$63.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$270.00}
Consumer complaint received 2023-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount GR Holdings, LLC (CA)

My wife and I cancelled the Loan within 30 days. XXXX our solar panel representative signed us up with 2 different solar companies and 2 different finance companies. 
XXXX XXXX XXXX and XXXX XXXX 

We asked to cancel the loan and installation of the solar panels because they were installed with no permit and havent been turned on since. XXXX XXXX has prevented the solar panels from being uninstalled and our credit has been ruined.
Consumer complaint received 2020-06-19
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (NM)

American Express has contacted immediate family members about my credit card debt. They have told them I have outstanding debt and what the balance is. As they are not co-signers on the account, this is illegal. I can not believe American Express would resort to illegal business tactics. They called immediate family ( a different phone number than mine, and yes they have my current address and phone number on file ) in XXXX and XXXX of 2020. I reserve the right to pursue legal action.
Consumer complaint received 2023-05-08
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)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Consumer complaint received 2023-05-08
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-02-09
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)

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022
Consumer complaint received 2023-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

This is XXXX XXXX please 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 2023-04-01
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. (GA)

The fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code. This account is also older than 7 year and should not be reporting on my consumer report.
Consumer complaint received 2022-09-15
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. (NC)

This is an EMERGENCY dispute.This needs to be reviewed by a human, and a supervisor immediately..This is a new dispute that will also touch on other violations that is in need of immediate viewing by the staff at XXXXThis is not a duplicate dispute as claimed by the collection agency XXXX XXXX XXXX , do to their immediate actions today to conceal this dispute against them recently in a manner that is profoundly concerning and I feel others may becoming a victim or have been to this behavior and other actions by them -. I chose the closest descriptors to this complaint as the cfpb does not have an option for me to chose coercion against me in a personalized letter to me which is a direct violation of the rules, regulations, laws, ethics and federal agencies as a part here of, have pledged to do after creditors or collection agencies or furnisher that uses any form of communication including, and specifically addressing coercion as one of the most serious violations that a collector could engage and willfully cast upon anyone that has a collection with the so called collectors Company Furthermore, today The same company, XXXX XXXX XXXX, witted themselves in a clever process of spamming replies to CFPB and apparently tagging all responses as duplicates to other complaints that they fell short of, did not resolve, and has not provided one satisfactory resolve to the amount of disputes filed against them - it seems to me that XXXX XXXX XXXX have cleverly learned how to manipulate this dispute process with CFPB as they have for years with the credit bureaus and I have proof that they have perjured themselves many times by supposedly validating the two medical bills in question on my report for years with all three of the major Credit bureaus, according to their many responses to me, but they admittedly told you in a previous complaint that they did not have ang validation documents and they would get in touch with their client the original client and have them send me that informationand guess what- they didnt, but they did send me a letter with content that was wrong, threatening by coercion withs regards to me filing disputes which by the way were all ethical and permitted by law, and now we are bringing to your attention their act of misuse of this CFPB And mountains of proof, I am filing this with CFPB and if the FTC and if this is not addressed immediately I am reporting them to the FBI for the many many issues and their reporting of - to my credit account. I have been more then lenient but the behavior of that company is appealing and is making a mockery out of this entire system and violating my civil rights along the way with no remorse or contribution to the ongoing damages upon me.
Consumer complaint received 2020-08-06
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. (AR)

MY WIFE AND I HAVE BEEN A VICTIM OF IDENTITY THEFT. WE PULLED OUR CREDIT BECAUSE WE KEPT GETTING CALLS ABOUT A DEBT WE OWED FROM A RENTAL PROPERTY. WE HAVE NO IDEA WHAT THIS DEBT IS ABOUT. THERE ARE SEVERAL THINGS ON OUR CREDIT THAT DO NO BELONG TO US AND THAT WERE OPEN UNDER JOINT ACCOUNTS WITH OUR NAMES AND SOCIAL SECURITY NUMBERS. PLEASE REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXXXXXX {$63.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$270.00}
Consumer complaint received 2020-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I've attempted to contact you regarding these fraudulent accounts on my credit report however the response I have been getting hasn't been up to par. I understand that the pandemic has been tough and I appreciate your help in this matter. These accounts have been hurting my report and need to be removed immediately.
Consumer complaint received 2020-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been in constant contact with XXXX  since XXXX about the inaccuracies on my credit report, such as names, addresses and employment. I have also sent a certified documents to report the inaccuracies. Each month I call they submit a new dispute case and tell me wait 30 days. Today I called to inform them that the inquiries listed on my account are not authorized. I also informed them that XXXX XXXX XXXX account was in litigation and through the multi millionaire dollar lawsuit through my Attorney General ( Illinois ) and several other states the company was required to remove the account from the consumer credit report. XXXX  has refused to update my credit report and send me an updated copy of my credit report.
Consumer complaint received 2023-01-08
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. (GA)

In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681 XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  acct # XXXX XXXX  XXXX  XXXX acct XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX  Acct # XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX Acct # XXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX  acct # XXXX 15 USC 1681 section 602 A States the right to privacy 15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section States no consumer reporting agency may have any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( a ) 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 in accurate.
Consumer complaint received 2022-11-06
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 — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BofA claimed that XXXX agreed to reverse a fraudulent charge of {$86.00}. XXXX did not reverse the charge. I closed my Visa card XXXX XXXX XXXX XXXX. 
BofA placed a {$86.00}, reversal of the fraudulent charge credit BofA granted me while BofA investigated my claim that XXXX made this charge fraudulently. I received a letter from BofA stating that XXXX agreed to reimburse my Visa card for the {$86.00} Fraudulent charge. BofA then reversed the fraudulent charge credit, placing this as a fee, on my Visa card, even so this card was, at that time, already closed by me. BofA claimed that the XXXX crediting my visa card would take my closed visa balance to XXXX. 
XXXX did not credit my canceled Visa. Prior to the " fee '' coming due, I contacted BofA customer service ( for the fourth time on this issue ), informing them that there was a demand from BofA for me to pay this XXXX BofA customer service agreed with me that I will not be required to pay this fee. BofA made negative reports to all three credit reporting agency claiming that I was first 30 days, then 60 days late in paying my Visa card. This resulted in a substantial reduction in my credit rating. BofA erroneously though that a {$160.00}. charge I had XXXX reverse prior to this claim satisfied my claim.
Consumer complaint received 2020-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

Please, I need help with repeated calls and them attempting forced payments from bank account prior to when funds will be available. 

Initially spoke with " XXXX XXXX '' not sure of real name. They use spoofing of phone numbers and name even though I am taking their calls. 

She was advised of my financial status XXXX XXXX the 4th week of the month ). I did advise I had no money at the time but will ( and did ) send a payment. This was not satisfactory then and even though they acknowledge receipt of TWO ON TIME PAYMENTS, multiple phone calls per day have not stopped. 

1. I cant guarantee payment via the bank account used for the initial payment. It was used to keep my commitment of said payment and show commitment to resolving this debt. 
2. Second payment was send via money order and received ON TIME by the company per " XXXX '' on XX/XX/28. Advised next payment would be sent to the address by the date provided by them on a payment schedule. 
3. As of the writing and filing of this complaint, there are MULTIPLE calls daily regarding payment. 

I am constantly threatened with litigation even though I am attempting to satisfy this debt. I do admit losing my temper during the last two phone calls with them. In fairness, I do not expect repeated calls when I have clearly shown an attempt to pay and the THIRD due date is not here yet. Threatening litigation and garnishment of a XXXX check prior to a due date when TWO payments have been RECEIVED and ACKNOWLEDGED by Midland Credit Management XXXX Inc. is beyond excessive.
Consumer complaint received 2020-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

Citicards misrepresented the status of my credit card account prior my scheduled payment on XX/XX/XXXX. After receiving the same payment twice, they have been sitting on {$7700.00} of my own money since XX/XX/XXXX. The fault lies entirely with Citicards not with my bank or me. Their excuse : balance owed to me exceeded {$5000.00}, needs higher management review that can take 10-15 business days? This seemingly is a federal government requirement. Ive asked them to send me the specific federal regulation allowing them to sit on my money for 10-15 business days before returning it? Current update : Asked to call Citi Executive Response unit. Now told that it may take a further 10-25 business days to review more than 1 month!!! 
Brief summary of Citi fiasco After receiving my statement by email on XX/XX/XXXX, I had set up my scheduled payment of {$7700.00} for payment on XX/XX/XXXX, 2 days before the payment deadline. I do this on the day or a day or two after I receive my statement by email. 
Logged into Citicards prior to my payment deadline, Website was showing junk. A XXXX  balance showed on my card! Called Citi and was informed that the bug would be fixed. A few days later website restored but could not find my scheduled payment. However, I could see no sign of pending payments online. Being concerned, I called Citicards yet again and asked about this. My account was showing 2 credit cards old and an unwanted new one not yet shipped to me. Informed agent that my pending payment scheduled for XX/XX/XXXX was not showing. She checked and told me that there was no pending payment in the system. I queried this a number of times as I was sure that I had submitted this for payment from my bank account. She insisted it was not showing and asked me if I wanted to submit a payment by phone through her to my bank account. I reluctantly agreed and she submitted a payment for XX/XX/XXXX. 
The day before the payment was due, I checked my XXXX XXXX   account. I saw 2 pending payments for {$7700.00}! I immediately called XXXX again, and the agent now insisted that I should not worry as only one payment would go through. I believed her. The next day both payments went through on my bank account. 
I have been waiting for 14 business days for my money and now am told another 11-15 business days. Had I missed my payment by 1 day, Citi would have lumped a hefty late penalty of 29 % or more on me. This is a disingenuous and dishonest means of holding my money for their use.
Consumer complaint received 2020-10-02
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 have been in constant contact with Equifax since XXXX about the inaccuracies on my credit report, such as names, addresses and employment. I have also sent a certified documents to report the inaccuracies. Each month I call they submit a new dispute case and tell me wait 30 days. Today I called to inform them that the inquiries listed on my account are not authorized. I also informed them that XXXX XXXX XXXX account was in litigation and through the multi millionaire dollar lawsuit through my Attorney General ( Illinois ) and several other states the company was required to remove the account from the consumer credit report. Equifax has refused to update my credit report and send me an updated copy of my credit report.
Consumer complaint received 2020-10-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (NY)

Since XXXX of 2019, Midland Credit has been calling me repeatedly on my home/work phone ( I work from home ), interrupting conference calls, calling before XXXX XXXX   EST, and even after XXXX XXXX  EST. These calls range from every hour to every XXXX minutes, 7 days per week. Occasionally I take the call and encounter a foreign person with a poor connection, it is difficult for me to understand the accent, or to hear beyond the poor connection. I tried a few times to propose a settlement, and they will not work with me but they continue to call several times a day, seven days per week.
Consumer complaint received 2020-10-02
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. (PA)

I've attempted to contact you regarding these fraudulent accounts on my credit report however the response I have been getting hasn't been up to par. I understand that the pandemic has been tough and I appreciate your help in this matter. These accounts have been hurting my report and need to be removed immediately.
Consumer complaint received 2020-08-06
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. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXXXXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$12000.00} XXXX XXXX  XXXX {$1500.00}
Consumer complaint received 2020-08-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknow, suspicious items I am not familiar with. Please remove these items from my report. XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX  XXXX {$16000.00} XXXX   XXXX XXXX  XXXX {$20000.00} XXXX XXXX XXXXXXXX {$550.00} XXXX XXXX XXXX XXXX {$3400.00} XXXX XXXX {$900.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX  XXXX XXXX {$780.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$1500.00}