davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Oklahoma Student Loan Authority (OK)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2021-07-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

This compliant is against Citizens Bank. I have a checking account with them. Some time ago, I made a mistake by using my Citizens Bank checking account as the source to pay off one of my credit cards ( I intended to use another checking account ). Because my Citizens Bank had insufficient funds for the credit payment at that time, I was charged for a later fee. That late fee is understandable because it was my own mistake using a wrong checking account for the credit card payment. However, I also have multiple monthly recurring transfers between my Citizens Bank and another bank. Citizens Bank then charged me the late fee seven time ( {$30.00} for three times and {$37.00} for four times ) because the credit card payment brought the Citizens Bank checking account to negative. Over a relatively long time, Citizens Bank did not alert me for the late fees by any means. When I found this issue myself, I was already charged the late fee for seven times. I believe that Citizens Bank should inform the customers once a late fee is repeated charged rather than be silent. 

I have contacted Citizens Bank to ask for a full refund of the late fee. They refunded me two out of the seven later fees charged. However, I am not satisfied with that. I am OK to pay for the first late fee, but Citizens Bank shall refund me for the remaining four late fees ( because they failed to inform me regarding the repeatedly charged late fees, which they should really do ).
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I have an American Express Platinum card which has a benefit of {$50.00} credit from XXXX XXXX XXXX every 6 months. I placed an online order on XX/XX/XXXX and another order on XX/XX/XXXX but did not receive the credit in XXXX.
Consumer complaint received 2021-07-28
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: OneMain Finance Corporation (LA)

I've been disputing this inaccurate account for over the past year via USPS Certified Mail. ONEMAIN the information furnisher reported by XXXX  and XXXX  have been requested repeatedly to be updated, its last report date has not changed since year XXXX, which means this disputed account has not been investigated from neither. On this account XXXX  reports an inaccurate Late 120 Days on a {$0.00} Balance Owed account. On this account XXXX  reports a duplicate account with the same account number but with a different record of payment history, XXXX  duplicate account reports an inaccurate Late 60 Days on a {$0.00} Balance Owed account and its 2 year payment history doesn't coincide with the account its duplicate to. This is inaccurate reporting, ONEMAIN account needs to be updated immediately.
Consumer complaint received 2019-12-14
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. (TN)

I got my Experian report and they are reporting wrong addresses for me that have NEVER been my addresses. I got this corrected before and now they have again started reporting these addresses for me that are not mine and never have been my addresses. They need to remove these addresses, I have lived at the same address for over 25 years and it has not changed. 
The reply to my previous complaint was a standard " we can not be bothered to address the problem '' and they sent the standard stupid " send us all your details again '' I have sent my details to them 16 times and still they have invented wrong addresses to add onto my credit report that are NOT my addresses and NEVER have been my addresses. 
They have refused to investigate where they got those addresses from and to remove them. If they believe these are my addresses then they need to provide me with information Where Experian got those addresses from and how they verified them because they are NOT my addresses. They have my correct information and I have sent it all documents to Experian 16 times and they still are incapable of correcting the information which means there is some kind of fraud going on at Experian or why would I have to send my information 16 times, and where is it and who has it? is another concern for me.
Consumer complaint received 2021-07-28
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I requested A copy of my Chex System report and notice 17 inquiries on my report. I disputed with Chex systems on XX/XX/2021 and some of the inquires have not been remove. Chex system didn't not provide me with any documentation showing that these inquiries were made by me.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paradigm Assets, LLC (FL)

XX/XX/21 served a civil lawsuit notice. 
XX/XX/21 checked my credit report and this debt was not found anywhere on my report. 

I never knew this debt existed. I was never sent any collection notices. I was never called about this debt.
Consumer complaint received 2021-11-25
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: WELLS FARGO & COMPANY (MI)

I have submitted a dispute complaint with XXXX, XXXX XXXX, XXXX in regards to a account that is not minds and the account is reporting 3 different balances due. the company did properly investigate the matter. the only remarks on my credit report was the balance updated to the same amount and also dispute resolved. the did not follow the proper investigation per the FCRA,
Consumer complaint received 2021-07-28
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. (NY)

Someone mugged me and took my purse that had all my personal information in it. I have now noticed that a bunch of companies are listed on my credit report as if I applied for something with them. I did not ask these companies for anything and did not complete any application asking for anything. All this information is a result of identity theft. I am asking that you delete all this fradugelent information from my credit report.
Consumer complaint received 2021-07-28
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. (MO)

XXXX, Experian, and XXXX  is deliberately circumventing sending me proof of accuracy that I keep reporting incorrect on my credit report. This incorrect information is ruining my creditability. After sending certified mail to each of these credit bureaus addressing my complaint and asking for disclosure documents of each said debt and whom each bureau contacted for this information being reported as correct. In reply, XXXX  and XXXX  mailed me a letter stating that they can't find a credit profile on my name and to send more verification to better assist me. I sent all the proper information and identification with my certified letter so I don't understand why they can't find a file on my name, especially when someone is reporting to my credit every month.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Company has been contacted by phone personally multiple times and refuses to place a freeze on my credit report. My credit score has taken a dive due to incorrect information and the transunion website was having errors when I attempted to freeze my report. 
They refuse to resolve the matter by phone
Consumer complaint received 2021-07-28
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2019-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

They reposed my car, on or before XX/XX/XXXX and in my credit report they charged off the account on XX/XX/XXXX .. I contact them on XX/XX/XXXX and I never heard from their part anything ... I report a dispute with XXXX  today, they charged off this account just because I asked to lower the payment ... I made a payment and I owed 1 payment ... the reposed the car after 2 days from the payment and now I have a debt for {$2400.00} while is my payment was XXXX ... I had a hard moment in my personal life after I found out my Xwife was a XXXX  XXXX  and she was XXXX  ... she couldnt accept herself that she was XXXX  and she drop out ... I was suffering and decided to go for divorce ... and since then Im suffering of everything financially to my work to my personal life ... please help my situation is not supportable..
Consumer complaint received 2022-10-26
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)

I have new and updated information. Please see attachments. Failure to comply will result in a private right of action. The accounts related to the attachments are : XXXX XXXX XXXX TEXAS - XX/XX/XXXX - XXXX XXXXXXXX XXXX - XX/XX/XXXX - XXXX XXXX  XXXX - XX/XX/XXXX -XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-07-28
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: TOYOTA MOTOR CREDIT CORPORATION (TX)

some one in XXXX Kansas open 2 auto loans and they appear on my credit report, one was made on XX/XX/2020 and the second one was on XX/XX/2020 same dealer ship XXXX 's XXXX of XXXX, Kansas Phone XXXX, I also did disputes on XXXX XXXX, XXXX  and XXXX  but they respond that the account is legit, I also did a police report, and the respond me that they investigated that person, and what they came out was that Social security gave that person the same number as mine we have almost the same name but one last name different.
Consumer complaint received 2023-12-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZWICKER & ASSOCIATES (TN)

The firm XXXX XXXX XXXX XXXX, in regards to XXXX XXXX is pretending to be a law firm, in a attempt to collect a debt that is not a debt from XXXX XXXX, I still have a account with XXXX XXXX where I can pay on the bill, so my complaint is with XXXX XXXX ( XXXX XXXX XXXX XXXX ) and Zwicker and Asso., for falsely claiming to be a law firm and collecting on a debt that is not a debt I'm still paying on it it's just a closed account that is still a apart of XXXX Zwicker and Association , XXXX XXXX XXXX, XXXX XXXX XXXX, claiming to be XXXX XXXX XXXX , They also called XXXX XXXX XXXX  claiming this also.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIZENS FINANCIAL GROUP, INC. (VA)

Citizens was offering their credit card with a promotional {$100.00} credit towards XXXX precheck. I purchased XXXX precheck and never received my {$100.00} credit. When I asked them why they stated that the transaction name did not match XXXX precheck and they would not honor their promotion.
Consumer complaint received 2021-07-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

PORTFOLIO RECOVERY has continued to harass me for weeks even after I have told them to stop contacting me. In accordance with 15 U.S. Code 1692c - Communication in connection with debt collection they are not supposed to contact me without my prior consent which I have not given them, they are currently in violation of this statute. They also continue to contact me at unusual time and places such as this week when I was attending a funeral. This is also still violating 15 usc 1692c. When they call me they instantly tell me that I owe them a debt which is not paid for, and communicated with me more than once after i requested that they not contact me anymore. This is a violation of 15 U.S. Code 1692b ( 2 ) which states that a debt collector may not state that such consumer owes any debt.
Consumer complaint received 2021-07-28
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. (PA)

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-07-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Someone broke into my car a few months ago and now I am seeing request for my credit that I did not do. I have attached a copy of my identity theft report as well.
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (NY)

I disputed these inquires over 1 month ago. I did not authorize the following transaction XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/2020 XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX Inquiry date : XX/XX/2020 *XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX  XXXX Inquiry date : XX/XX/2020 *XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/2020 *XXXX XXXX XXXX  Inquiry date : XX/XX/2020 *XXXX  Inquiry date : XX/XX/2020 XXXX XXXX XXXX Inquiry date : XX/XX/2020 XXXX XXXX XXXX XXXXnquiry date : XX/XX/2020 I noticed that they remained on my report after the issue was disputed the credit reporting agencies are in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

I advised them in my certified letter that I didn't initiate these transactions and want these inquires removed from my credit report. I don't recall and as per FCRA the consumer reporting agencies are in violation of ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer. 
I am seeking a home loan and this is ruining my credit reputation and causing higher interest rates.
Consumer complaint received 2021-07-28
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: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

I asked for portfolio recovery associates to verify alleged debt and didnt they didnt verify the alleged debt. But still are reporting on my credit report. This is continuing collection activity which is a direct Violation fdpca and needs to be removed.
Consumer complaint received 2021-07-28
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

I was notified by the XXXX  of Equifax response to my complaint regarding their FCRA violation regarding refusing to remove Bankruptcy that is unable to be properly verified. They continue to state they verify through third party. However, I have uploaded and sent them letters from the Courthouse and Pacer stating that neither report to third parties or to the credit bureaus. Each entity also stated they do not verify the information. 
Therefore, if neither entity verified the supposed bankruptcy and neither report supposed bankruptcy to third parties or to credit bureaus Equifax is in direct violation of FCRA and my consumer rights. I have subsequently filed an FTC report against Equifax regarding this issue.
Consumer complaint received 2019-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (FL)

I've disputed this alleged debt this year and last year and it was proven that I wasn't responsible for alleged debt. The debt was deleted but it seems like the debt was in a portfolio of debt. I'm tired of being taken advantage of and now Ive obtain counsel XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX to help me resolve the matter
Consumer complaint received 2021-07-28
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Hello. I received a Visa Prepaid Rewards card serviced by Bank of America in the amount of {$1000.00}. This was provided through a company called XXXX. The card expired XX/XX/XXXX, however i still had {$150.00} in value on the card. I called Bank of America to have the funds transferred to a new card or check and was told by several representatives including supervisors that the funds were forfeited to Bank of America and that there was no way to request the funds back. My understanding is that there has been a law in place since XX/XX/XXXX via FTC that funds can not expire and there must be a way for the consumer to retain the funds on a gift/rewards card. Thank you for your time.