davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-13
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. (CT)

According to the Truth in Lending Act consumer credit must include certain disclosures about the terms and conditions of credit. These laws specifically require the disclosures to be " clear and conspicuous '' so that reasonable consumers can read ( or hear ) and understand the information. I have gone to Experian informing them that there is a hard inquiry ( XXXX XXXX XXXX XXXX ) on my credit report which needs to be removed immediately. I never authorized XXXX  to perform an inquiry into my credit report, never applied to XXXX  for any loan, nor did I authorize any one else to do so on my behalf. Today I spoke with representative XXXX of Experian 's dispute department. Not only would he not remove it he remained firm that Experian could not remove it. This is an outright lie, and if I were a lawyer could prove it. Furthermore, XXXX maintained that, because the inquiry is in reference to an auto loan, and I do have an auto loan with another company that is reason enough for Experian to not remove the hard inquiry. This ridiculous counter assertion is not a matter of law or fact. I never authorized XXXX XXXX XXXX XXXX to make an inquiry on my credit report & if they have any proof that I signed a legal document authorizing XXXX  to do so they need to provide it to the CFPB today. Experian has a duty to remove that inquiry from my report. Under the FCRA when I applied for a loan ( which was not with XXXX  ) there should have been document ( s ) clearly and conspicuously '' disclosing to me the consumer how my credit report was being used & by whom! That is a fact, it is a law! Experian must remove the unlawful, unauthorized, fraudulent hard inquiry performed by XXXX from my credit report. The burden of proof is on XXXX to prove I had actual knowledge, and authorized them willingly. I want Experian to remove this XXXX  inquiry damaging my credit report completed A/S/A/P!
Consumer complaint received 2020-12-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

We had a 30 year home mortgage with Mr. Cooper, loan number XXXX. After never missing a payment for 30 years we mailed what I thought was our final payment {$1600.00} on XX/XX/20 ( see attached ). Mr. Cooper told us there as still owed {$520.00} which I paid on XX/XX/20 ( attached ). This payment was never applied. I sent another {$250.00} per Mr. Cooper 's request on XX/XX/20 but somewhere in there our payment was deemed late and it has now adversely affected my credit ( see attached ). I am asking that Mr. Cooper immediately contact the credit reporting bureaus to show this issue as resolved so that my credit will be restored.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

hi i went over my credit report and i found out i have inquiries and collections accounts i called the reporting agencies and let them know the inquiries and negative items/collections/charge off in the document included below are not supposed to be visible on my consumer report. I NEVER gave them written consent to report them Pursuing 18 U.S. Code 1028A - Aggravated identity theft U.S. Code ( a ) Offenses. 
( XXXX ) In general. 
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

Equifax & XXXX  failed to update my account for XXXX account. It was paid in Full and Satisficed. The payments was {$590.00}. Please have them update the payment " in full ''. 

Equifax also gave me XXXX credit score. That is all wrong. I have good payment history and even shows " Exceptional Payment History ''. Please gave them upgrade to a " Higher Score ''. 

My FICO Credit Score is XXXX. How come Equifax is the ( XXXX ) which is low. 

It is because that I am XXXX or XXXX? Equifax is a XXXX Credit Brazeau. Equifax favors XXXX  Race with good, favorable Credit Score. 
This Company must not practice in the " Great State of Maryland ''. The top head at Equifax should be Fired or get training to enlightened about XXXX XXXX XXXX issues. 

I will also report Equifax to the State of Maryland, office of The Attorney General Consumer Protection Division. Equifax should be punished like a spoiled, rude, XXXX Boys. XXXX them good. 

XXXX
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have sent 5 separate letters to Transunion XX/XX/20, XX/XX/20, XX/XX/20, XX/XX/20, and XX/XX/20 asking them to validate this account they are reporting on my credit report that I do not recognize ( XXXX XXXX ). All they keep telling me is it has been verified as accurate but have failed to provide me with any type of proof showing that I'm responsible for this account. I have been keeping very close attention to my credit report ever since I noticed multiple derogatory accounts I have no memory of. Today I received a notification advising me that Transunion is reporting a missed payment from ( XXXX XXXX ) and my score decreased 76 points!. First of all this account has been reporting as a charge off from the creditor, and second I DO NOT recognize this account! As I looked more into this I noticed Transunion is now reporting this account as open when it was reporting as a closed charge off. How are they reporting a missed payment when there is no due date showing??? My credit is everything to me and this is completely uncalled for! I know the laws that protect myself as a consumer against CRA 's. I demand they remove this account they are unable to validate and correct that missed payment off my credit report! I have attached documents highlighting showing missed payment and closed to open status.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

Since XX/XX/XXXX I have been living and working in XXXX, XXXX. 

In XXXX, I opened a citibank online checking account and had my company ( XXXX XXXX XXXX XXXX ) transfer my salary to said account. 

I also made XXXX large deposits into my Citibank Checking account from XXXX. 

On XX/XX/XXXX I was sent a letter of closure by Citibank saying that they were closing my account. 

At the time of closing the account balance was approximately XXXX $ I have a Signed XXXX XXXX ; a signed Non-disclosure agreement ; and a record of payments from my employer to prove that the transfers weren't fraudulent ; furthermore ; i have a XXXX work visa and other official documents as well. 

With the above documents I attempted to resolve the issue multiple times by calling Citbank 's fraud department but have repeatedly been told by their customer representatives that they have to " disconnect the call '' and they just hang up. 

So, I flew back to XXXX XXXX on XX/XX/XXXX and visited the XXXX Citibank branch on XX/XX/XXXX in order to try and resolve the issue in person. 

The representative attempted to call Citibank 's internal fraud department but could not resolve the issue. 

I was I should take my documentation and keep trying Citibank 's fraud department. So that's what I've done. 

Despite this ; the citibank fraud department STILL repeatedly disconnects my calls instead of attempting to resolve the issue. 

Please let me know how I should proceed
Consumer complaint received 2018-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (GA)

Amcol Systems Inc has reported 2 accounts to all 3 major credit reporting bureaus that do NOT belong to me.

I demanded that ALL documentation regarding these two collection accounts be VALIDATED in accordance with FCRA 609c, and within 30 days from receipt of my initial request for validation but have NOT received the sufficient documentation for my review, which was : *All ORIGINAL documents baring my compete, legal, signature and dates * SSN AND DOB on accounts * proof you are able to do business in your state as a collection agency.

*contact info of owner of Amcol Systems Inc *Amcol 's license number *names and contact info of the credit bureaus representatives that were spoken to to " validate " these erroneous accounts on my credit profiles. 
*contact info for representatives that allegedly provided these accounts to you for collection. 
XXXX complete and accurate account numbers and alleged amounts due. 
* dates and times accounts were allegedly opened XXXX representative contact info whom allegedly opened accounts I also am a victim of a possible HIPPA Violation on Almco Systems Inc part according to the FCRA. 

Thank you in advance for deleting these erroneous ite.s from my 3 credit bureaus profiles as they are adversely affecting me. 

XXXX XXXX
Consumer complaint received 2018-02-23
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Nelnet, Inc. (TX)

I keep regular contact with my student loan debtors and they have all my updated contact information however, of late I've had severe financial duress and was XXXX for a whole month with the recent XXXX going around, so I had to put them on hold. I've since sent them the required documentation for IBP. 
In the mean time, on XX/XX/2018, at XXXX in the morning, Nelnet called my elderly father who is XXXX, XXXX, XXXX, and very XXXX XXXX XXXX. That phone call almost sent him to the emergency room. Nelnet called him to get my updated contact information, which they already had, and he thought there was some emergency. He though I was in some hospital XXXX. No one calls anyone at XXXX unless it is an emergency! He doesn't give out anyone 's personal information over the phone, so they called him in vain. They did cause him a great deal of distress. After that call he immediately called me to see if I was okay. 
( NelneXXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, XXXX, Fax : XXXX ) Thank you, XXXX XXXX
Consumer complaint received 2020-12-20
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. (NC)

I utilize XXXX  to stay updated with my credit score. Recently two reports have been listed in my XXXX  and transunion reports, the reports are from " medical bills ''. One dates back to XX/XX/XXXX and I was unaware of the bill until it became a " collections '' derogatory mark in my credit report XX/XX/XXXX. The other I have reported and requested removed. I've requested for information ( statements / proof of bills from these collection agencies ) from both XXXX  and transunion, which have not been provided. These companies continue to display negative information without " proof '', that is false. Wouldn't this be considered a " hipaa violation '' if my medical bills, or an itemized statement has been submitted to them without my consent for review? These two agencies have ignored my request to remove derogatory false information from my credit report. XXXX has also displayed a medical bill as negative but it was paid. The account was satisfied and paid without going to collections but its still showing in my report, how is this even legal. I have to constantly submit disputes and my disputes are always denied and the information is found to be correct? how can they determine this without proof? I pay all of my bills on time, with the exception of one late payment and it was in XXXX!. The same goes for a report with XXXX XXXX ( my car loan ) they have what's called " skip a payment '' ( due to the pandemic ) these agencies listed I have not followed the payment agreement but also state I pay on time they have the same information on some of my credit cards because I make multiple payments prior to the payment due date. This information is false and inaccurate it hurts my credit, and I pay all of my bills on time. Please help me.
Consumer complaint received 2019-04-27
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. (FL)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ;
Consumer complaint received 2024-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (CA)

I don't recall having a contractual relationship with this collection company Oliphant Financial , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Checking my credit then I noticed someone used my information without my consent to call about XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX  on the date of XX/XX/2019 XXXX on the date XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX XXXX XXXX XXXX on the date of XX/XX/2019 XXXX on the date of XX/XX/2019 XXXX XXXX on the date of XX/XX/2019 XXXX  /XXXX on the date of XX/XX/2019 I need these items listed removed off my report its making me look bad as Im tryng to advanced in my life.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I have sent in letters asking each credit company, to send me a copy of proof where they got there information to verify accounts on my report. I have sent letters to them from XXXX and also the bankruptcy court, that clearly states that they did not report anything to the credit reports. They keep on sending my reports stating that they have verify this information as accurate, However, I have asked over and over again for them to send me a copy of who verified this information which they will not. I have sent them 3 different letters and no one will send me this information. I have also sent letters to them about Student loans that report different on all my reports and I have asked them to remove this also. Next, I noticed that they will not update the late payments that they claim were late, but in the slots allotted it only reports for one month. Which by law they have to report it every month and they have not. They can't just update this, it has to be removed and the late payments must be taking off. I would like proof that all this has been done. Also they are reporting a XXXX account that states on 2 reports paid closed, and on XXXX  account open. Which needs to be removed also.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

Citizens Bank acquired my XXXX savings, checking, and overdraft accounts earlier this year. I began trying to close those accounts in XXXX. This required several phone calls, a branch visit, then several more phone calls. It appears my accounts are finally closed, but Citizens continues to send me statements for the savings account, which required yet another phone call to them today. They advised me to ignore the statements. I won't go into the details of my branch visit and the at least five phone calls required to get them to close my accounts, but I think they should be investigated, because their incompetence is truly astonishing.
Consumer complaint received 2018-02-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (CT)

Repeated robocalls, almost daily, from mercantile adjustment bureau. The calls do not identify who is in collections or what the debt is for. It tells me to call a number with a passcode. I suspect the call is a scam and it will not stop.
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (GA)

My credit report was showing a few late payments in  XXXX  and  XXXX . I filed a dispute because the account was in deferment/forbearance for the dates during which the alleged late payments occurred. I got a report from  XXXX  this morning stating that the dispute was closed and the late payments were still showing on my account. I contacted  Fedloan and received no answers on why they did n't respond to the dispute. If Fedloan re sponded to the dispute request why were n't the late payments corrected? Also, I requested a copy of the letter that shows the account was in deferment in  XXXX  but have not received it yet. It has been ov er 4 week s since the original request. I called customer service and was told the initial request was entered in error b y Fedloan. Then, t he request was modified on  XXXX / XXXX / XXXX . I still do n't have the letter..
Consumer complaint received 2021-11-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

A couple weeks I received a voicemail from " Bank of America '' to call with an urgent business matter. I have been in communication with the real BoA so I did call, they stayed I owed {$710.00} and if I didn't pay they'd send me to collections. I told them I had paid. Then I realized it was fraud and hung up. I called the real BoA and they confirmed neither of those calls were from BoA. I blocked the number. I now receive a letter from fake " BoA '' staying that I owe {$710.00}. They want payment to XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX phone # XXXX. I am obviously not going to pay or reply.
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NM)

Chase card services closed my account because of recent transactions on other cards. I have almost maxed out a few of my cards ( recently married ). I have never been late with a payment, i have never missed a payment and my credit score is considerable higher then when i began using their services. I also was never informed of the accounts closure, i found out about it when i logged on to review my account ( which i do monthly with all accounts ). 

This entire process has been very annoying! Now i am paying high interest for a card i can no longer use as needed.
Consumer complaint received 2020-12-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (NY)

Ive been a member with Citi Bank since 2005 They offer me a upgrade to Citi Simplicity Mastercard. My credit limit was XXXX they then raise it to XXXX then XXXX Ive never been late or missed any payments and always paid more then what was asked for. I went over 10,000 and then all of sudden citi decrease my credit limit to XXXX i believe Now im not using this card now but still being excellent customer. I had now only {$370.00} credit according to my XXXX statement I get my new statement now and i only have {$75.00} credit left. Citi had decrease my credit limit AGAIN. 
I feel this is totaly shameful of them especially with this covid19 but mostly because its being reported on my credit report. 

I got a tractor supply credit card and funny its with CITI and have a XXXX credit limit.

Im so upset that i told citito just closed this account I dont want nothiong to do with them and people should be WARN This company is a big rip off How can they do this and there blaming the credit company which is untrue I talked to them I did have a XXXX credit score until citi lower my limit Im at XXXX
Consumer complaint received 2019-06-28
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: Experian Information Solutions Inc. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX