davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

Information XXXX XXXX  Lease year XX/XX/XXXX Charge off XX/XX/XXXX Equifax lower consumer score again XX/XX/XXXX same Charge off account 6Year 1Month to date.The account information has not changed.  charge off account XX/XX/XXXX has the same meaning today XX/XX/XXXX no new information as the law states the same words charge off XX/XX/XXXX is the same word you reported new information as reason for 27 point drop.XX/XX/XXXX are you saying your reporting is wrong from XX/XX/XXXX so you up date the word to a new charge off XX/XX/XXXX first new information two weeks back 23 points the second week 4 more points 27 point same information reported as new information.
Consumer complaint received 2017-05-25
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (KY)

I am currently unemployed, and having difficulty making payments to Navient. I just found out that they have been calling and harrassing my previous employer, for whom I have n't worked for over 2 years. This can not continue.
Consumer complaint received 2019-04-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc. (AR)

My question is ; after paying on an auto loan for two and a half years, why is my loan payoff more than the original loan? When I asked XXXX XXXX that question they treated me like I was stupid and said something about the interest compounding daily, I do not understand, but something is definitely wrong when you pay a car payment for two pulse yeas and you owe more on the payoff than the original loan. Please explain! 
As of today, XX/XX/XXXX, the payoff on my car is {$23000.00} Original loan, XX/XX/XXXX was {$21000.00}
Consumer complaint received 2019-06-16
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. (TX)

Upon reviewing my credit report I found a couple of hard inquiries that I did not authorize. 
After finding these issues I reached out to both companies, the one that ran the hard inquiry, and the credit reporting agency that list  it. I sent certified letter to both companies over sixty days ago, asking them to remove the inquiry, but it still shows on my credit profile.
Consumer complaint received 2019-06-16
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. (NY)

On XX/XX/11 I received a letter in my account saying my account was closed by chase bank. 

Ive contacted the bank as to why my accounts was closed and explain to them that I have done nothing wrong. 

I paid all of my credit cards on time The only thing I did was use a 0 APR promotion that they were offering on my card. 

I asked the bank to re-review the closure of my bank, and they still decided to close my account without reasonable merits.
Consumer complaint received 2019-06-16
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 was going through my Equifax credit history and noticed that on XX/XX/2018 a hard inquiry was posted on my account. I have never applied for any line of credit with the company and have never done any kind of business with them. It shows " XXXX '' as the name of the institution and " XXXX XXXX XXXX XXXX '' next to the description. After researching I found out that XXXX stands for XXXX of XXXX XXXX. The credit reporting website said to contact the creditor ( XXXX ) to dispute the inquiry. I contacted XXXX and they said that they could not help, that I had to contact Equifax directly for them to remove it from my account. I then contacted Equifax and told them what XXXX told me and they said that they are only a reporting agency and that the process must be initiated by XXXX. XXXX still does not help and I am stuck with a hard inquiry I did not initiate and 4 hours of my time wasted. None of then want to help.
Consumer complaint received 2022-04-05
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: Arbor Professional Solutions, Inc. (MI)

I have disputed Arbor Professional Solutions, account number XXXX on XXXX XXXX, XXXX and XXXX. 

This furnisher is not forthcoming with actual legitimate verification. 

This furnished information is inaccurate and can not be substantiated. 

This account still remains on my credit report.
Consumer complaint received 2019-06-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MN)

This Issue was resolved year ago and now this company is trying to collect money that i never owned before XXXX Equifax XXXX they removed and now this company put it back again on my report while XXXX XXXX XXXX did removed from my report. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-16
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. (TX)

A company did a hard inquiry on my credit report on XX/XX/2017 which I have no recollection of. I reached out to the company with a certified letter over 60 days ago stating that the hard inquiry needed to be removed. I have recently checked my credit report and the hard inquiry remains.
Consumer complaint received 2016-10-24
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Hi there, I have been trying to get a fraudulent charge removed from my Citi Card for weeks. The charge was made on XX/XX/XXXX in the amount of {$470.00}. I did not notice the charge on my statement until XX/XX/XXXX Citi did not inform me of the charge, as most other banks do. I was assured that the card would be voided, that I would be sent a new one, and that I would receive a credit on my account while the matter was being investigated. I was told that I would receive a credit within 3-5 business days. I noticed on the weekend that the card was still active ( I was able to use it online ). I called Citi, and it seems that they forgot to cancel the card and send a new one. Additionally, the charge had not even started to be investigated, and it would take additional time to receive a credit on my account. I received my new card and assumed that I would be receiving a credit on my account soon. Wrong! Last Monday, XX/XX/XXXX, I called Citi to inquire why I have not yet received the credit on my account. I was told that the charge was " mis-tagged '' and that I would be receiving the credit in 3-5 business days. I was also assured that the credit would be posted to my account before my next billing statement. It is now a week later and I have received my new billing statement. There is still no credit. I just contacted Citi Bank and was told it would take an additional 7-10 business days. I have never had such trouble dealing with credit card fraud.
Consumer complaint received 2019-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BB&T CORPORATION (TX)

Opened a personal checking account with BB & T on XX/XX/XXXX. About a month later I wrote myself a check from my XXXX business account in the amount of {$600.00} to transfer myself money. The check was declined due to the daily mobile check deposit limit being only {$500.00}. I crossed out the word XXXX XXXX and number XXXX and changed them both to XXXX XXXX and XXXX so the check would go through. After uploading a picture of the new check, my funds were immediately placed on administrative hold. 

The next day I went to my local BB & T branch to figure out what the problem was and it turns out you have to initial when altering a check, which I was not aware of. I was told at the time that the check was being returned back to XXXX. I then went directly to XXXX to check on the status of the check and spoke with a manager who called one of the main offices, and it turns out the check went through with no problems at all and was not returned. I went back to BB & T and explained everything to the branch manager and even gave the XXXX manager 's contact information for verification purposes. I was told I'd get a call back within 24 hours regarding an update on the situation, which I never received. 

About a week later I went back to BB & T to ask for an update and was told everything was okay and the hold would clear within the next week and, but my card was going to be canceled and a new debit card tied to the same account would be mailed out in about a week. A few weeks went by and the hold never cleared and a new debit card was never mailed. I then called BB & T to ask for an update and was told that my account was being closed, BB & T decided to terminate its business relationship with me, and the {$500.00} check would be returned back to XXXX. 

Another month went by with me not being able to access funds or use my account in any way and the check still had not been returned, all while my account ( which I was notified had been closed ) was still being charged a $ 12 monthly maintenance fee. Since that time I had been to BB & T branches on at least 4 separate occasions to try to get status updates and inquire about the missing {$500.00} with no progress whatsoever. During this time I never even received a letter in the mail or any updates notifying me of the account closure. In fact, around XXXX I was sent a new card from BB & T so I figured maybe they changed their mind and will let continue me having an account there after all. I went to a branch to try to use the card and it turns out the card was sent to me by error and my account was still closed with my funds locked from me and my account still being charged monthly fees. 

In the past few weeks my account login has been deleted so I can't even log in to check on the missing {$500.00} anymore and I'm really not sure what to do at this point.
Consumer complaint received 2019-04-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (PA)

I was advised on Thursday XX/XX/2019 via my XXXX XXXX alert that NRA Group XXXX PA had reported and opened a Collections Account in XXXX and XXXX  for a delinquent Medical bill owed to ( XXXX ) XXXX XXXX Hospital for the amount of {$230.00}. Actual amount was for {$220.00} which had been paid in full on XXXX XXXX. 

IN FACT THERE WAS NO ( XXXX ) XXXX DOLLARS owed or pending when XXXX XXXX reported this the Credit Reporting Agencys IN XX/XX/2019. 

This has caused a negative impact on my otherwise ( VERY GOOD ) Credit Rating for years of 100 % on time Payment Reporting to XXXX, and XXXX. 

There was no formal prior USPS letter, verbal communication, or contact whatsoever, or any attempt made by the NRA GROUP to me to advise me of their attempts to collect what turn out to be a paid off invoice or they would have been provided the documentation showing the {$220.00} had been paid to XXXX ( XXXX XXXX on XX/XX/2019.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NH)

For the last 3 years I have been dealing with Experian and XXXX continuing to allow information from closed & collection accounts regardless of the thorough and daunting amounts of evidence that have clearly indicated the information in my report is indeed inaccurate / should be removed. Instead I get the same response and they automatically side with the crooked furnishers. I filed and received a Chapter XXXX  Bankruptcy Discharge in XXXX. 
To make matters worse, the disputes would serve just, the incorrect information would be deleted, or corrected, only to reappear months later which would leave me no option but to redispute the items with different results. Im not even sure how that is possible but it seems corrupted and unethical to say the least. 

The accounts in question are listed below and furthermore Ive submitted disputed on 9 separate occasions. Both online and by mail. 

The dates of disputes are : ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) The accounts still remaining and reflecting negatively regardless of being included in my bankruptcy are as follows. 

1. XXXX : XXXX XXXX XXXX - {$610.00} ( Included in bankruptcy ) 2. XXXX : XXXX XXXX XXXX {$640.00} ( Included in bankruptcy ) 3. XXXX : XXXX XXXX XXXX {$0.00} ( Paid way before added to my credit report and was only Added to my credit report AFTER remitting payment ) 4. XXXX : $ XXXX ( Included in bankruptcy ) 5. XXXX : {$470.00} ( Included in bankruptcy )
Consumer complaint received 2019-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

GM Financial # XXXX is in collection status on my credit report, however this account should never have gone to collection. I have never been late or missed any payments and I have a letter attached that GM sent clearing my account.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (FL)

I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX credit report. The error which prompted this credit report dispute includes late payment on XX/XX/2016, COMENITY BANK/XXXX. I am kindly requesting COMENITY BANK/XXXX to remove this late payment from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I've had all the accounts mentioned below since XXXX with a great pay history. I am a loyal customer that asked to be treated as one not an interest bearing customer. On XX/XX/XXXX, I decided to consolidate all my creditors into 1 bill to become debt free. I mailed checks to payoff accounts to 3 Synchrony Bank credit cards ... Amazon Store Card, Sam 's Credit card, Walmart Credit Card and 4 others. The 4 of those checks to creditors were received XX/XX/XXXX & XX/XX/XXXX and posted to the accounts in a timely manner. Synchrony Bank on the other hand have decided not to post payments either because monthly amount due was due on the XX/XX/XXXX. They did not post the payments to charge late fees and to accrued interest which is unethical. 
I've called Sams, Walmart and Amazon for the past 3- 4 days to update the account in which I'm told they have not received it. USPS says differently because payments were delivered XX/XX/XXXX and/or XX/XX/XXXX.
Consumer complaint received 2020-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed some discrepencies on my credit files and found out I was a victim of identity theft. I notified all 3 credit bureaus, the police, and the FTC, as well as, file numerous complaints via this forum and all I have not received any responses. I have not received any proof that these accounts are mine because they are not. The accounts and inquiries I have noticed and have been trying to remedy are below : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Florida Dept of Revenue XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX  -- XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I am writing to formally dispute and request the removal of unauthorized inquiries from my credit report. Upon reviewing my credit report, I discovered several inquiries that I did not authorize or recognize. These unauthorized inquiries are negatively impacting my credit score and financial standing.

I have enclosed a copy of my credit report highlighting the unauthorized inquiries for your reference.

I understand that unauthorized inquiries can occur due to identity theft or errors in reporting. However, it is crucial to promptly address and remove these inquiries to ensure the accuracy and integrity of my credit report.

I request the following actions be taken : Immediate Removal of Unauthorized Inquiries : Conduct a thorough investigation into the unauthorized inquiries listed on my credit report and remove them promptly.

Enhanced Security Measures : Implement additional security measures to prevent unauthorized access to my credit information in the future.

Communication Enhancement : Improve communication channels to keep me informed about the progress of the investigation and the steps being taken to address the unauthorized inquiries.

I appreciate your prompt attention to this matter. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve this dispute. I expect a timely response in accordance with the Fair Credit Reporting Act. I am asking for your assistance to remove these unknown inquiries in my credit file : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2019-06-16
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. (FL)

1- XXXX XXXX/XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 2- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 3- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 3- XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 4- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 5- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 6- XXXX XXXX XXXX XXXX XXXX, XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 7- XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 8- SXXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 9- XXXX XXXX XXXX. XX/XX/XXXX UNAUTHORIZE INQUIRE ON MY EXPERIAN 10- XXXX XXXX XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON EXPERIAN 11- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 12- XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 13- XXXX XXXX, XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 14- XXXX XXXX XXXX  XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 15- XXXX XXXX XX/XX/XXXX UNAUTHORIZE INQUIRE ON XXXX 16- XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A. (CA)

I tried to open new Citibank checking and savings accounts in the branch. But the result was that " we are unable to open an account for you at this time ''. My case was failed by the Citibank screening. I am 100 % sure there is nothing bad in my credit report. I successfully opened a new credit card with XXXX XXXX recently. Citibank did not provide me with the reasons why they were unable to open an account for me, even though I requested. I was just told some backend teams may review my case without any timeline or contacts. I also called the Citibank customer service to get some helps 4 times. But they just forwarded me to different departments. None of them could resolve the issue since they did not have the backend team 's contacts. 

The only document I received from the branch is attached. It just tells me that the account can not be opened without any explanation on the reason details.
Consumer complaint received 2019-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The following credit inquiries were never authorized on my Equifax report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-02-10
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: Experian Information Solutions Inc. (MD)

This consumer reporting agency is in violation of 15 U.S. Code 1666b. A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I was not notified in the time frame.

1. 15 U.S. Code 1681c Requirements relating to information contained in consumer reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
2. 15 U.S. Code 1635 ( b ) Return of money or property following rescission - Right of rescission as to certain transactions XXXX  Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
3. 15 U.S code 1692 ( g ) validation of debt XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2018 As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. PLEASE DELETE IMMEDIATELY. 
Any failure to respond without deletion of the accounts listed above and a free copy of my report after the changes have been made will result in the above actions being taken against your bureau. I will also be seeking {$1000.00} per violation. 
Violation of 15 U.S Code 1666b Defamation Sincerely, XXXX