davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

I have several accounts that reporting on my credit thats not mines and old information over 7 years that's no mines as well. I really need help I received a letter from XXXX account XXXX stating they will delete the account if I pay 50 %. I said no because its not my account. I believe the system is designed to hold you back and make money from the consumer. Accounts not mines reporting on my account. 
XXXX XXXX acct XXXX XXXX XXXX XXXX year XXXX XXXX XXXX positive Experian, negative on XXXX year XXXX XXXX XXXX not mines and it has XXXX XXXX year XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX not mines XXXX the XXXX XXXX XXXX not mines don't know where it came from
Consumer complaint received 2021-10-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (TX)

Companies use LexisNexis Identity Verification services to verify identity. XXXX and XXXX ( the travel pre-check service ) both used LexisNexis Identity Verification in attempt to verify my identity. The automatically generated questions that LexisNexis 's product came up with were entirely inaccurate/ impossible for me to answer. One asked about someone named XXXX XXXX ( have no idea who that is ). Another asked what professional certifications I had ( none of which were relevant ). Both with XXXX and with XXXX, I failed the Identity Verification because of LexisNexis 's flawed product and inaccurate questions. I would like to rectify this problem as fast as possible.
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldridge PIte Haan, LLP (GA)

My account was bought or transferred from XXXX  to XXXX XXXX XXXX XXXX in XXXX  after a telephone Consented Judgement was agreed upon and in motion between myself and XXXX. On XX/XX/, I spoke to the assigned attorney XXXX XXXX at XXXX XXXX, who was almost impossible to reach. I advised him that there were added charges and fees that they included to my signed judgement with XXXX. I was not responsible for the cost of any additional fees between XXXX and XXXX. The Judgement was very clear and detailed about my arrangement. XXXX XXXX reviewed the Judgement, in which I re-sent him a copy and said that he didnt know where the added charges came from. He advised he would correct and get back to me. He never responded. I am a new business owner and attempting to get loans. As a result of this situation in which I attempted to resolve with the original attorneys office XXXX, I was in full compliance and making regular payments according to the judgment set forth. I attempted over months several times to call the new Attorneys office XXXX XXXX and their phone was disconnected. Until finally I got a live person on the phone that connected me to speak to XXXX XXXX and I followed up with an email. ( please see email and attachments ). 

I am a new business owner and I have been getting denied business loans because of this incorrect information is on my credit. A judgement was NEVER supposed to be on my credit reports as long as I complied with the payment arrangement. I complied with the payment arrangement with XXXX. XXXX bought the loan and dismissed arrangments of the judgement that was in place and made themselves unavailable for resolution for me to comply. 

A correction of the fees. There was a signed judgement order already in place. This creditor bought the debt and tried to add additional fees and charges.
Consumer complaint received 2023-03-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whereas TU is TransUnion, XXXX is XXXX, XXXX is XXXX 15 U.S.C. 1681 Section 602 A states I have the right to privacy 15 U.S.C. 1681 Section 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2018-04-28
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. (UT)

To whom it may concern, I'm writing to convey my frustration with Citibank and any other financial institution, who find it appropriate to prohibit legal sales of firearms. The responsibility of these creditors is to provide a secure and simple means of purchasing, not to impose their own set of laws ; if a private, small-business baker   can't choose to deny based on their faith or societal proclivity, neither should any prodigious, public, taxpayer-bailout-fund taking large business. 
Their time would be better spent establishing a system to prevent scammers and any fraudulent intent used by their system, not prohibit any and all legal transactions made by law-abiding citizens.
Consumer complaint received 2023-04-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Capital One denied a claim for the amount of {$67.00} when the transaction is invalid! I never received the item there was no signature so there was no proof that maybe there was something wrong with the courier. Thankfully I closed the account, so I do not owe capital one any money and I don't care if they try to collect! I am on XXXX XXXX XXXX and I am judgment-proof!
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

I received a paper statement from Best Buy, XXXX for a credit card that I never applied for. The amount is for {$2900.00} on XX/XX/2022. I already called XXXX and notified them, called Citibank, closed the account, and filed a police report.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting act Account name : XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

someone has obtained my personal information and has been trying to obtain credits because of this I have several excessive inquiries reporting to all 3 bureaus of credit reporting agencies these inquires are putting me in a. hardship I have sent letters to all 3 bureaus to inform and update my report
Consumer complaint received 2021-04-19
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: JPMORGAN CHASE & CO. (HI)

Wish to file an official complaint against the following Debt collector XXXX XXXX XXXX XXXX XXXX. 
for years of harassing me to collect a debt that was already discharged, this company has been an alliance with Debt collector XXXX XXXX XXXX harassing and terrorized me for decades. 
Attached are the constant never ending letters that it deeply effects my mental capacity just wondering what these people are after for if Chase bank n XXXX XXXX XXXX  already released my mortgage debt.
Consumer complaint received 2019-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX-XXXX and I have filed multiple complaints with XXXX, XXXX and TransUnion regarding fraudulent inquires, inaccurate phone numbers, inaccurate addresses and accounts that do not belong to me. They continually keep placing the wrong phone number on my fraud alerts and they are not updating inquires that DO NOT BELONG TO ME. They also are not following the Fair Act Credit Reporting Guidelines.
Consumer complaint received 2023-03-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (NM)

In XX/XX/XXXX, I got a new credit card from First National Bank of Omaha ( FNBO ). They issued me a new credit card with a limit of {$13000.00}. The credit card is a cash back credit card which I use for my daily purchases and pay of in full at the end of every statement period. In other words, my usage is entirely ordinary for the type of product and is the type of usage encouraged by the product. On XX/XX/XXXX, after 8 months of perfect payments to FNBO and all other creditors ( all my payment history is perfect to the beginning of my credit history ), I received a letter from First National Bank of Omaha informing me that they were lowering my credit limit to {$6100.00}. They provided three reasons for lowering my credit limit : Length of time since opening, utilization of existing credit line, and current balance as a % of recent balances. At the time determined my original credit limit, the length of time since opening was known to them since it was a new account. Having a large balance as a % of recent balances is entirely expected and ordinary for a new account, since there was no previous balance to compare against nor is there any data on usage to indicate what peak usage for a customer might look like. Therefore both of these reasons were known and ordinary. What is the purpose of lowering a credit limit due to utilization of an existing credit line, or more importantly, what is the purpose of issuing a credit line that will be withdrawn if it is utilized. At the time FNBO issued my original credit line they knew, or should have known, that under no circumstances of normal usage would they honor that credit line. Therefore the credit limit that was disclosed when the card was opened was false and deceptive in a manner that induced me to use their credit card, whether that was intentional or not. FNBO never intended to extend the credit terms they offered.
Consumer complaint received 2023-03-18
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. (NM)

Identity theft victim made reports with FTC local PD and shared identity theft reports with three major reporting agencys and have little resolve also submitted countless disputes Transactions history are on report and late payments both are not permitted by FCRA also o have additional rights as stated in FTC for victims of identity theft. Also information has been compromised by multiple corporations. Proper investigation of information accepted by reporting agency as true and factual not conducted as evidenced by deletion of false inaccurate information as a result of disputes. Deletions are admissions and due diligence not carried out and proper investigation of furnished information was and continues to not be executed by any of agencies
Consumer complaint received 2021-04-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

Wells Fargo Home Mortgage has refused to extend my XXXX forbearance plan for my Fannie Mae Mortgage. Fannie Mae has allowed borrowers to be in forbearance for up to 18 months. Wells Fargo has refused to extend my mortgage for the additional 6 months as required under the Federal Housing Finance Agency ( FHFA ) extensions measures to align COVID-19 mortgage relief policies across the federal government. I need additional mortgage forbearance because of my ongoing COVID-19 hardship.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (OH)

At the end of XXXX I received a debt consolidation loan which issued checks made out to some of my creditors. All the checks were mailed on XX/XX/2024, the issuer of the checks stated to me that the checks were cashed and cleared out of their account on XX/XX/2024. However, as of today, XX/XX/XXXX, the payment has still not been credited to my account. Multiple checks were mailed to various creditors but the only XXXX that have been credited both went to citi bank, XXXX for a citi bank credit card and XXXX for a home depot account managed by citi bank. The one for citi bank was {$1200.00} and the one for home depot account was for {$1000.00}. The citi bank card had a payment due on XX/XX/XXXX so now that is late. It doesn't seem like it should be legal for a credit company to deposit money into their account, but not credit that money to a consumer 's account. Both checks were mailed with the payment stub included with my monthly statement. And it seems strange that all other credit card companies who were mailed checks, credit my account after receiving and depositing check, while one company in particular cashed the checks but did not issue credit for them.
Consumer complaint received 2023-03-18
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: EQUIFAX, INC. (TX)

I reviewed my consumer reports and noticed that I have three late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX # XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they would be as I was never late. Thanks
Consumer complaint received 2023-03-18
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. (FL)

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX XXXX : # 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 2019-06-30
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. (NC)

Equifax and XXXX repeatedly reports these fraudulently accounts on my credit report after it has been removed from XXXX, I have been trying numerous of times to get verification from Equifax and TransUnion to remove these fraudulent accounts as follows : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2024-03-25
Product: Credit 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: Bread Financial Holdings, Inc. (FL)

I opened a dispute on a transaction for XXXX $ On XX/XX/XXXX with my credit card issuer. They said to give them 60-90 days to finish the dispute process. It has now been 104 days. They will not give me any information as to the progress except to wait longer. I started this dispute because I never received what I paid for. This card was issued by comentity bank.
Consumer complaint received 2022-10-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

In Accordance with the Fair Credit Reporting Act XXXX XXXX # XXXX, XX/XX/2020 has violated my rights. 15 U.S.C. 1681 Section 602A states I have the right to privacy. 15 U.S.C. 1681 Section 604A section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (DE)

The company is charging me 100 percent interest on a loan I had no other option to take to get my vehicle out of the repair shop. I contacted them and they insisted that this was their policy, to charge 100 % interest on an original loan of {$740.00}. They want upwards of {$1600.00} in total. I am unable to pay such an amount and they are badly damaging my credit in the process.
Consumer complaint received 2020-12-22
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. (FL)

The account XXXX XXXX XXXX - XXXX is reporting as a charged off account on my Experian Credit report. 

The account has paid been off. I have attached a letter from XXXX XXXX XXXX confirm the account is no longer a charge off account.
Consumer complaint received 2020-02-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (OK)

I sent two disputes letters for all the letters below, I told them it was impossible for me to pull these loans due to I was on a full ride scholarship. I did not sign any loan paper I asked for proof of original signature on loans three times I did not receive the signature just a verified letter which makes no sense. This is now affecting my credit score and needs to be removed now. 
Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Balance Loan Amount {$3600.00} Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Loan Amount : {$1800.00} Account Info Account number : XXXX Account status Open Date opened XX/XX/XXXX Balance {$1100.00}
Consumer complaint received 2019-07-02
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

XXXX ; Experian and XXXX are reporting incorrectly lates in XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 for the XXXX XXXX XXXX account XXXX number. ( Please see page 10 of the attached credit report. ) Month after month I called and made a payment on this account. Apparently the very first payment was never applied correctly so each payment I made was reporting a month behind. Every time I made another payment I was never told that I had initially missed a payment according to their calculation so consequently every payment I was making was actually a month behind due to their accounting error. I was never aware that I was actually making payments in arrears. Had I been informed of this I would have made an adjustment and paid an additional payment to be current with their accounting. I do not believe I should be punished with any late payments because I was never properly notified of this issue. The only communication I did receive were vague emails with no explanation, no context as to what they were needing or when to call or even WHO to contact! When I did call however, I was never able to physically reach the representative who was forwarding me the emails. I only spoke to the person who happened to answer the phone and was told to just continue making my monthly payments. Never once did this representative share with me that my payments were continually late. I never received any notification in the mail to tell me I had a late payment and I only discovered there were late payments when I obtained a copy of my recent credit report. When I saw this, I immediately went to a XXXX XXXX XXXX branch in XXXX, WA and paid the past due as well as the next upcoming payment to make sure that the account was up-to-date. By XXXX XXXX XXXX reporting these late payments incorrectly due to their accounting error, and never properly notifying me of the issues, is seriously harming my credit score. Please remove these lates from my credit report.