davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
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. (NY)

I once again file a complaint of numerous complaints Last complaint you may reference it XXXX, XXXX you state you will remove the negative account from my credit report but it is currently still showing a negative trade line in my equifax file please receive it immediately as it does not belong on my credit file as we had resolved on my prior report. I have also gone ahead and filed a identity theft report with the FTC.
Consumer complaint received 2018-02-02
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: ALCHRO INC. (FL)

Today I got letter from XXXX about a dispute account : XXXX XXXX XXXX XXXX for XXXX that account show on my report they sent me today ( XX/XX/2018. The letter said we have reviewed your concerns and our conclusions are : The disputed account XXXX XXXX XXXX XXXX XXXX is currently not reporting on the XXXX credit file. 

How is that????
Consumer complaint received 2017-01-13
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (NJ)

Citibank has a promotion to give depositors a bonus of {$400.00} if they open a Chencking account for {$15000.00}. This {$400.00} bonus will be paid to the depositor upon maturity of 90 days from the date of opening of the account. 
On XX/XX/2016, I opened such a checking account at the Citibank branch, located at XXXX XXXX XXXX, XXXX , NJ for {$15000.00}. The maturity date has already passed and I still did not receive this {$400.00}. So I made several phone calls to the branch manager XXXX XXXX as well as several other bankers in the bank to inquire about it. They all told me that I am qualified to receive this {$400.00} bonus and I should receive it any day. However many days had gone by and this {$400.00} was still not credited to my account. 
I referred many other people to open such account with Citibank and they all have received the {$400.00} bonus so far but not I. The following are XXXX people I referred to the bank to open accounts who have received the {$400.00} bonus, one is XXXX XXXX XXXX, Account no. XXXX and XXXX XXXX XXXX, Account No. XXXX.
Consumer complaint received 2022-06-13
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. (AL)

I have multiple inquires from XXXX of 2020- XXXX of 2020. That I have no knowledge or memory of nor of giving consent and need them to be removed from my credit report.
Consumer complaint received 2023-07-25
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

CHASE BANK CLOSED MY ACCOUNTS XX/XX/2023 AFTER 9 YEARS OF GOOD RELATION SHIP I NEVER GOT ANY PROBLEMS I CALLED THE NUMBERS AND NO ONE GAVE ME A ANSWER FOR CLOSING MY BUSSINES AND PERSONAL ACCOUNTS. I DONT THINK IS FAIR BECAUSE I BEEN DOING GOOD SO I CAN GET A LOAN FOR A HOUSE. NO ONE HELP ME TO RESOLVE THIS PROBLEM THEY CLOSED MY CREDIT CARDS AS WELL
Consumer complaint received 2021-03-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Bread Financial Holdings, Inc. (MD)

XXXX XXXX Account # XXXX asserted collection for Comenity Bank for {$560.00}. This collector continues to report inaccurate information, that is known to them as inaccurate. XXXX XXXX is " recycling '' asserted debt, passed delinquency date in effort to oppress consumers financial standing by exceeding the retention date. Historically, XXXX XXXX has changed the payment history for the purpose of extending the retention date within consumers credit file. In review of my XX/XX/XXXX report and my XX/XX/XXXX XXXX Credit file reveals XXXX XXXX extending this reporting time by an additional 2 years. 

The actions of this collector is reckless, targeted, and with malice intent.
Consumer complaint received 2019-03-24
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: William D. Meeker Enterprises, Inc. (FL)

I never have applied to any housing loan or mortgage and I have never authorized any inquiry of my credit for such a thing..I don't understand how on XX/XX/XXXX a hard inquiry by CIC MORTGAGE CREDIT was made ... this could be a potentially identity theft I am currently living in Florida and apparently the inquiry was made by a company in Tennessee. 

This the report from XXXX : Inquirer Name CIC MORTGAGE CREDIT IN Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Mortgage Reporters Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, ( XXXX ) XXXX
Consumer complaint received 2019-11-18
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: SYNCHRONY FINANCIAL (SC)

XXXX XXXX File Number : XXXX Someone within SYNCB/XXXX went into my account and changed the paper statements to email without my permission or knowledge. I did not receive the bill to pay it. 

When I saw it pop up on my credit report, I contacted them immediately to find out the problem. I was told that the late fee would be taken off and that the account was switched back to paper statements. They asked me if I requested that the statements be switched to email and I told them no, that I had not requested this. 

I proceeded to pay off what I owed in full.
Consumer complaint received 2019-03-24
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. (AZ)

The thre

e main credit bureaus do not have accurate information on my credit reports.

They are impossible to reach either though their individual sites as well as the contact numbers they provide.

Due to their inaccurate information, my FICO scores are not only below that they should be, the decline with no specific information given by the credit bureaus.

Two issues that they have incorrect is they show I have no installment loan and according to their models, this hurts my credit score. If fact, I do have an auto loan that they showed all of last year but for some reason fail to show it now.

They also show a debit balance on my credit card that has impacted my score by 18 basis points. When in fact, I have a credit balance. It appears they looked at the credit balance as a debit balance.

My FICO scores should be much better than they are reporting. I track them and the information provided several times a month.

I often receive a notice that their sites are down and when calling their contact numbers only get into a calling tree that does not allow me to reach a representative.

Thus my scores are now so low I am not able to gain a favorable mortgage rate.

I've been frustrated with these " for profit '' credit bureaus as long as I can remember.

Any assistance would be greatly appreciated.
Consumer complaint received 2017-05-25
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. (TN)

XXXX  and Experian are showing an outstanding balance on my credit report that I do not owe for   XXXX     XXXX   XXXX . I have reached out to   XXXX   XXXX    XXXX  regarding this account and they indicated that the account was paid off  XXXX / XXXX / 2014 .     I contacted  XXXX   XXXX   XXXX  in my financial counselors ' office and she too heard them confirm my account status.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-10-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC (TN)

I received a summons today to appear in court against XXXX XXXX located in XXXX Tennessee. I previously filed a complaint against them. I paid off any checks I had with XXXX XXXX and the check that they are trying to collect on was made out to XXXX XXXX loans. I wasnt informed that XXXX had sold out to Cash Express. I found that XXXX XXXX was ordered in 2018 to pay restitution to consumers of XXXX. I never got any of that money. Im physically able to appear in court. Im on Social Security and XXXX years old. I have learned that Cash Express was barred from filing court action.
Consumer complaint received 2018-02-02
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: Byrider Franchising, LLC (IL)

I filed bankruptcy XX/XX/XXXX this debt was discharge and XXXX continues to do hard credit checks without my authorization XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX these are just some of the times they have run my credit without my authorization I want it stopped immediately.
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-01-12
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: Byrider Franchising, LLC (VA)

Account : XXXX XXXX XXXX XX/XX/XXXX I have wrote the credit bureau about this account being on my credit report. I have asked XXXX and XXXX to remove these accounts but I have not seen a change on my report. 

Account : XXXX XXXX XXXX : XX/XX/XXXX I have sent XXXX and XXXX a dispute letter asking them to remove the accounts. These accounts remain on my credit report and have not been removed. 

Account ; CNAC XX/XX/XXXX I have sent XXXX a dispute letter about the account being on my credit report. I have asked them to remove the account from my credit report but this account remains on my credit. 

I am not aware of any of these accounts and they are fraudulent.
Consumer complaint received 2021-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (MA)

I had two active cards with citi Bank diamond and citi bank double cash .i was affected by covid and i could only pay the minimum and when I received other money i would send extra. I was trying to get my usage down so 1. So can get my credit rating backup due to a XXXX breach of my personal info that caused an avalanche of credit problems with XXXX XXXX, ( who is going through problems that has affected many of their consumers ) this breach causing me to fall behind because many of my payments were sent back to my creditors unknown to me. XXXX i could not reach citibank until XXXX of XXXX. When i did reach them I asked Citi Bank how were they assisting their customers during the pandemic since i am XXXX XXXX and following the rules that the governor set? They offer two months and i managed to pay extra, my accounts were over the limits due to interest fees late fees and usage. We were in a global pandemic, i had to feed my children and help them adjust to remote learning at home, this was the first time i had to have fourteen computers on in one location ; needless to say it did not work so I had to set7 computer in one location and7computers at another location so everyone would have access ; I soon learned that access in XXXX, XXXX and areas outside XXXX, XXXX, ( underserved communities ) were different. I had difficulty reaching citibank, i could not reach by phone and when i did i would be on hold for hours and could not access them through internetcausing late fees in XXXX and XXXX. This was by design. I informed them this was not my fault.During the reopening process i was able to reopen my buisness at 25 % capacity, my tenants were not able to pay rent and in Massachusetts they ( we ) were protected under the moratorium. In XXXX from non eviction ... no income from income property and yet i manage to pay and on time when they could be reached. The problem is, as i paid they decreased my credit limit on the Citibank diamond they lower my balance and when i called them and asked why they were setting me up to fail they closed the account on the credit report but not on my statement making me think i can use the card ... unfair practice ( translation -do as i say, not as i do ). The double cash card they just lowered the availability as i used it. My usage is at a 100 % when i have paid this account. They have been unfair to me during a time of uncertainty. They lowered my credit limit onXXXX again ... so no matter what i do if i pay the minimum i will be at 100 % usage and pay more fees over time and if i pay a lump they would lower credit limit and i would be at a hundred %. I pay. A lump sum thinking if i need to buy something i could ... wrong you cant. I know i am not the only one trying to balance during this global pandemic.
Consumer complaint received 2019-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc. (TX)

Dear Sir or Madam : I notice a collection account for XXXX XXXX with account # XXXX. The original Account # XXXX is with a balance due of {$960.00}. 
Ever since 2013 when it was first reported to the credit bureaus, i disputed the creditors in question in writing via US Postal Mail and demanded proof under the Texas Finance Code section 392.202 (  b ) that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Section 392.202 ( b ) of the Texas Finance Code requires the debt collector to provide a Statement that verifies the accuracy, confirms the inaccuracy or states that they have not yet completed their investigation or determination. There is a requirement that response be provided within 30 days of request, however the response can state that they have not yet completed the investigation. 

So far XXXX XXXX has been able to provide NO such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. 
Despite credible debt validation letters sent & their obligation to cease collection activities, XXXX XXXX showed willful ignorance to the law with inaccuracies in their response times. 

Under TX Finance code section 392.202. ( b ) collectors are required to delete their reported collection if they do not provide their statement within 30 days of request & have the option of re-inserting the reported collection if they have legitmately validated
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-15
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)

Your company is reporting late payments to my consumer report for an account with US DEPT OF ED. This is a direct violation of the FCRA. 15 USC 1681 ( 2 ) ( a ) ( i ) clearly states the definition of a consumer report and what is excluded from a consumer report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; IF TRANSACTIONS AND EXPERIENCES ARE EXCLUDED FROM MY CONSUMER REPORT WHY ARE YOU REPORTING LATE PAYMENTS ( transactions ) ON MY CONSUMER REPORT?
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (NV)

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2020-12-12
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. (TN)

Since mid XXXX I've been in distress due to Fico dropping more score drastically from wrong information being reported. It's being reported that I have a 60 day delinquency which I don't. I believe it's that way due to me being in forbearance with my mortgage ( I'm out now ) a comment was put on my account which stated " partial payment agreement ''. every since then fico has been reporting that I have a 60+ day delinquency. This matter is stopping me from moving forward with my finances, business etc. I DO NOT have any delinquency so I need this fixed as soon as possible. What they're reporting is COMPLETELY inaccurate and should be fixed immediately. I will be attaching where it's being reported that I missed a payment.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Reporting incorrect information on my credit report as well as fraudulent information such as payment history, account opening dates, account paying dates, and unauthorized reporting. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801. 15 USC 1681 section 604 ( a ) section ( 2 ) ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Equifax, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Im opting out of any and all monthly reports as they did not have my authorization to report. According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Consumer complaint received 2022-10-21
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. (AZ)

Reference to CFPB report XXXX, XXXX XXXX. Experian Credit Bureau received a notification from XXXX XXXX that my payment to them was over 60 days late. I disputed this because XXXX XXXX attempt to take advantage of a senior citizen ( XXXX years old ) by falsely stating I refinanced my loan. In my dispute, I specifically, pointed out to Experian that this loan was already paid off and I can prove it by giving them copies of all payments to show the amount of the load was completed. In addition, XXXX XXXX could not provide a copy of any contract showing I refinanced the load nor could they provide any substantial evidence proving I received any money from them other then the original loan. This Experian did not do. 
Experian Credit Bureau refused my dispute without confirming XXXX XXXX intentions were legitimate. They just reduced my credit rating to below average and again this reflected of me not being able to obtain a Home Owners Line of Credit. Experian could have substantiated XXXX XXXX allegations by having them present the documents showing the loan was legitimate. Experian did not this..
Consumer complaint received 2023-07-26
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc. (TN)

I moved from XXXX  to XXXX  and I was never notified if my loan status. I received a letter in XXXX  stating that I borrowed $ XXXX and I was to pay XXXX for attorneys fees and XXXX in interest. I advised the company that I was not aware of this matter and they stated that there was nothing they can do. I moved to XXXX  in XXXX of 2009 and this notification was sent 4 or 5 years later.