davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-16
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: CITIBANK, N.A. (OH)

Dear Consumer Financial Protection Bureau, The following information is what I faxed to Citi-Card Bank over my Billing Error Dispute with XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, in the amount of {$4300.00}. This dispute was originally opened on XXXX, and is still under review to this day ( over a year later ). I have attached several statements that will verify that this dispute has been re-opened and under review since XX/XX/2020. 

I received charges for goods that weren't delivered as agreed, by XXXX XXXX XXXX XXXX XXXX XXXX. Citi-Card 's lengthy and inadequate/poor/misguided investigation has resulted in a clear violation of The Fair Credit Billing Act. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear Citi-Card Billing Disputes, I paid for an expensive XXXX XXXX XXXX ( Seasonal Energy Efficiency Ratio ) Heat Pump and Electric Indoor Furnance, as stated on the invoice shown below. 

XXXX XXXX ( Sole Proprietor of XXXX XXXX, XXXX XXXX  XXXX ) installed a cheaper, much less efficient XXXX XXXX XXXX Heat Pump and Electric Indoor Furnace on XXXX. I clearly did not order this model of XXXX Heat Pump and Electric Indoor Furnace.

The attached documents fully supports my position. 

I still have not received the more expensive super-efficient XXXX XXXX XXXX Heat Pump and Electric Indoor Furnace, that I paid-in-full for on XXXX. Our texted correspondence ended on XX/XX/2020. 

XXXX purposely installed the cheaper, less efficient Heat Pump and Electric Indoor Furnace, assuming that I would never notice the difference. If I hadn't filed for the AEP rebate and been denied it, I probably would have never realized that he took advantage of me. 

This XXXX XXXX Heat Pump and Electric Indoor Furnace that XXXX installed versus the XXXX XXXX Heat Pump and Electric Indoor Furnace ( that I bought ) will prevent me from saving an additional $ XXXX $ XXXX on my electric bill over the expected 15-25 year lifespan of these two ( 2 ) units. 

Please notice the invoice I paid and the description of the Heat Pump listed is XXXX XXXX. XXXX changed the invoice through the Joist Application, back to a XXXX XXXX Heat Pump, around XX/XX/2020, once he found out I knew that he had scammed me. 

Thank you for your assistance in this very important matter. Please don't hesitate to call or email me if you have any questions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Cell # XXXX
Consumer complaint received 2021-07-09
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: Grant & Weber (CA)

Grant & Weber are reporting a fraudulent account that doesnt belong to me on my credit report. I didnt open this account nor did I authorize anyone to open this account using my personal information. Please note the attached FTC report and remove this account from my credit profile.
Consumer complaint received 2021-06-16
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: Experian Information Solutions Inc. (FL)

I was a victim of fraud and sent Experian a police report in regards to the items that weren't mind. They initially deleted all of items on the police report but placed a discover account back on my report. I immediately informed them of this and they told me they were unable to block discover on my credit report again.
Consumer complaint received 2021-03-19
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

To who it may Concern my name is XXXX XXXX XXXX my address is XXXX XXXX CT XXXX ca XXXX the company webbank/fingerhut XXXX Flying XXXX XXXX XXXX XXXX XXXX, MN XXXX i open i account with them in XX/XX/2018 in 2018 of XXXX I was hurt at work put on workman comp i got behind on bills. i had insurance thru webbank that made payment in till i get ahead. as of today i payed in full. XXXX $ with interest. they reported late payment for XX/XX/2018 XXXX XXXX i ask to have removed. i know that had insurance that payed them. i ask have the late payment removed thu Experian made i made them aware that this is a violation of fair credit reporting act. i called finger hut ask i send good will letter letting know of my situation. they sent me letter stating that this was in my welcome packet that was sent. i would like to file a complaint. with consumer financial protection bureau. i believe these is a act of false of misleading representations to my persona as a consumer.
Consumer complaint received 2021-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CURO Intermediate Holdings (TX)

Hi, There was a new inquiry just added to my XXXX  credit report and XXXX  credit report which was not authorized by me. 

The XXXX credit check run was done by XXXX XXXX  on XX/XX/2021 There wXXXX XXXX different hard inquiries by XXXX  XXXX on XX/XX/2021, Curo Management, Llc on XX/XX/2021, and XX/XX/2021. 

I am out of the country from XX/XX/XXXX and still haven't traveled back to the XXXX  and I haven't requested credit inquiries or used my credit cards during this travel.

I am contacting the companies to inform them about the fraudulent activities.

In addition to that, I have contacted XXXX, XXXX, and XXXX  to freeze credit reports and set up a fraud alert on all three. 


Thanks, XXXX
Consumer complaint received 2021-06-16
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. (TX)

It is illegal and immoral to hold or report deceiving or dubious data, particularly considering a created consumer complaining and informing you of said issues, so please delete the accompany incriminating and wrongfully revealed inaccurate information at this very moment : These items are reported inaccurately : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX This was the letter I sent several times with no response from either bureau. These account are being reported incorrectly be the credit agencies.
Consumer complaint received 2021-07-09
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. (VA)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In the course of reviewing my credit report, I spotted some inaccurate and fraudulent accounts that need reporting and correction through your company. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Terrill Outsourcing Group (MO)

On XX/XX/21 at XXXX am XXXX XXXX of Superlative RM contacted regarding a collection account. I advised Mr. XXXX since this is his first time contacting me that I was uncomfortable verifying my information. First, he only mentioned the name of the company but asked for me to verify last 4 of ssn, address, and date of birth. Stating to him that I needed to know who he was with and the matter he became aggressive with his tone and stated he already told me Superlative RM. Upon him giving the type of account I asked that he provide me via mail a verification of debt. In an aggressive tone he stated I had already gotten this information and he would send via email. I advised no email to send to and he cut me off mid sentence. Stated that this is not the first time I have been contacted regarding this account and he would tell the lender that I am uncooperative and threatened next course of action. I advised Mr. XXXX that I am at work and can not talk at the moment. He became irrate and said since this matter isn't important to me he would proceed with the next actions. Throughout the conversation I asked why was he continuing to cut me off mid sentence and threatening next action when this is his first time contacting me. After being overtalked for so long I asked for a supervisor. I advised him that I was at work and provided an alternate phone number. This company representatives continued to talk when I clearly stated I could not talk. Very aggressive and threatens next action when you ask for their credentials and verification of a debt prior to paying. This is my right as a consumer and in todays society it would be foolish to provide any personal information to complete strangers.
Consumer complaint received 2021-06-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (DC)

Western union investigated me and made the decision to not allow me to send money to my cousin for my son while hes on vacation with FAMILY! I have used them once before but now they are providing no service so again I ask why do establishments like western union exist if they can provide no service? Please help Understanding there is a lot of fraud, however, with inadequately trained staff its like rolling the dice.
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: R & B Corporation of Virginia (VA)

Approximately around XXXX or XXXX of XXXX I noticed a debt collection from Credit Control Corp for XXXX XXXX XXXX XXXX in the amount of {$660.00} dated XX/XX/XXXX and {$220.00} dated XX/XX/XXXX. I disputed these items with all three credit bureaus on XX/XX/XXXX and the dispute was returned updated. 

This is a medical debt that I am not aware of from XXXX XXXX XXXX  XXXX. I am allowed under the HIPPA law to protect my privacy and medical records from third parties. I did not give XXXX XXXX XXXX  XXXX permission to release my medical information to a third party. However, the requested copies of my wet signature for the debt and release of my medical information was not received for the update of this account. 

On XX/XX/XXXX I sent a certified letter to the collection agency. The collection agency received the letter on XX/XX/XXXX and I have yet to receive a reply from them. All documents will be attached. 

Thank you advance for your prompt assistance and attention in this matter.
Consumer complaint received 2021-07-08
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Chime Financial Inc (OH)

I have been attempting to obtain a Chime Credit Builder account with Chime Bank since XX/XX/XXXX when I received an email around roughly XX/XX/XXXX. The application claimed that Chime Bank couldn't verify my identity. This was lim my because I put in the wrong address. I qualified per their terms for this service since I had a {$200.00} direct deposit over the past 12 months at that time. I currently have my SSI payment for {$790.00} being direct deposited to be my Chime Bank checking account. I have received it in my Chime Back checking account for the past 3 or more months. I made an error on my application in my email for the Chime Credit XXXX  card and the application had an error and timed out. I have asked them since XX/XX/XXXX and most recently XX/XX/XXXX to let me re-apply or send me a new application. Their customer service team just keeps saying they'll escalate the situation to the right department and it will take 24-48 hrs to receive a response. I usually spend 1-2 hours on hold or being argued with over something this simple. Just give me a new application. I usually get a response within 20 mins stating they have no way to offer me another application. This is not only unprofessional it's false advertising a product since I qualify for it and they won't give it to me or at least a chance to apply for the service. They've been arguing for about two years about this with me and have never offered a re-application process or what happen with my original application in writing.
Consumer complaint received 2021-01-25
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)

There is a XXXX debt from XXXX XXXX being reported on my credit report that I do not owe. 

When the debt first showed up on my credit report I went to XXXX XXXX that is now XXXX and received a receipt that I did not owe any money to XXXX XXXX. After sending this receipt to the debt company they stopped reported the debt to the credit bureaus. A few months go by and a new company began to report the debt. This circle has been happening for years. 

The credit bureau is allowing false information to be reported on my credit report which is causing me significant harm and has been for years.
Consumer complaint received 2021-07-09
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. (TX)

As you can see, XXXX  removed these accounts because they werent mine. 
Experian is still validating them. how is that possible, it can only be one or the other this is an FCRA violation. EXPERIAN NEEDS TO DELETE THIS
Consumer complaint received 2021-01-25
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. (CA)

There is a XXXX debt from XXXX XXXX being reported on my credit report that I do not owe. 

When the debt first showed up on my credit report I went to XXXX XXXX that is now XXXX  and received a receipt that I did not owe any money to XXXX XXXX. After sending this receipt to the debt company they stopped reported the debt to the credit bureaus. A few months go by and a new company began to report the debt. This circle has been happening for years. 

The credit bureau is allowing false information to be reported on my credit report which is causing me significant harm and has been for years.
Consumer complaint received 2021-06-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (NC)

I recently applied for a mortgage and attempted at getting a pre-approval. When the lender sent me back some items that I would need correct I noticed a debt for NCA for {$420.00}. I contacted NCA today ( XX/XX/XXXX ) verified myself on the phone with a female representative who asked if I ever lived at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. I stated to her I have not lived in the state of XXXX  since XXXX. My last known address in XXXX  was XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, which is my parents old address. When I moveXXXX XXXX XXXX in XXXX my address was XXXX XXXX XXXX XXXX XXXX XXXX  till XXXX when I moved to XXXX, XXXX. The representative stated that this account was a credit card opened on XXXX using the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have a apartment lease proving I was not living in XXXX  at no point in XXXX. My credit has never been great so I can definitely recall how many credit cards I have a had in my lifetime. The representative stated that there was a dispute on this account that said this debt DID in fact belong to someone else. When I asked how I could get this taken care of so it could stop affecting my credit in a negative way she said to contact FTC.gov and start a dispute and email them @ XXXX for it to be reviewed and possibly removed. She stated this was not a guarantee for them to remove this debt and if it could not be proved that this debt is mine then I would have to pay it. I have no recognition of this account for a XXXX XXXX Credit card with a balance of {$420.00}. I was not and have not loved in XXXX  since XXXX and In XXXX when this credit card was opened I was living in XXXX XXXX. She also stated that she could not see the opening credit limit but there were No payments made at all.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

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 a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 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 FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate
these issues to the CFPB , FTC and my Attorney General. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (TX)

XX/XX/XXXX Comenity Bank Victorias Secret Credit Card company reported my account status as " discharged through ch. XXXX bankruptcy '' with a status date of XX/XX/XXXX and will continue on record until XXXX. Creditor also closed account. 

Sent certified letters to Comenity Bank VS Credit Card, XXXX Credit Bureau, XXXX XXXX Credit Bureau and XXXX Credit Bureau on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with proof that this account was NEVER included in Ch. XXXX BK in XX/XX/XXXX. I sent in my Discharge papers with my schedule F showing Comenity Bank was NEVER listed. 

Comenity Bank credit line was increased between XXXX, never late, never missed a payment, very seldom had an owing balance. Creditor closed credit line due to this inaccurate credit reporting. This is negatively affecting my score and me obtaining credit. 

Comenity Bank along with all 3 Credit Bureaus refuse to correct the reporting information. They are reporting that I discharged this credit card in XX/XX/XXXX and report that it will remain on my credit report until XXXX. This is completely false and inaccurate. 

I did file Ch. XXXX Bankruptcy in XX/XX/XXXX, discharged in XX/XX/XXXX. Never included Comenity Bank Victorias Secret Credit Card, I have NOT refiled BK and couldn't if I tried as I am only going on 6 years discharged. 

I have taken great strides in rebuilding my credit, never getting in over my head and never missing a payment. I would never even consider filing BK again. This inaccurate reporting is severely affecting my credit and I am being declined credit because of this.