davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Sequium Asset Solutions, LLC (TX)

The debt owed per the agency is false. I had moved to an apartment in XX/XX/2018 where they do not allow XXXX XXXX. The dates owed for this debt is not possible because of this. I updated all my creditors with my new address when I moved and this debt is not correct. I do not feel it is mine due to the dates of the debt are after I moved from my prior location where I had XXXX XXXX.
Consumer complaint received 2018-12-21
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)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX Account # :XXXX Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX XXXX/XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}
Consumer complaint received 2022-08-17
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. (TX)

XX/XX/22, dispute of inaccurate amounts owed, no action taken by companies accounts should show closed on All credit card / vendor accounts
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL (TX)

I have a card with Care Credit. They informed me that it was six months of no interest. Now they just added a large amount on my balance. I called and they said that they added all of the past six month interest on the card. That's not the agreement that they gave me. This is not right
Consumer complaint received 2021-07-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NC)

Inexplicably, My Loan Care is stating two totally different dates for my forbearance ending, one on XX/XX/2021 in writing and another one on XX/XX/2021 on the website - which appears to be in error - as my loan care outrageously and falsely claims I owe 3 mortgage payments in XXXX of 2021. This glaring and outrageous error puts me in fear of wrongly losing my home.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

I received an email stating that my credit card account has been closed. I did not authorize this closure. I was not notified until after the account was closed. The company did not give me notification beforehand that the credit account was going to be closed due to in activity. This credit card has been on my credit report for 10 years. By citi cards closing the account, it with ruin my credit. I have tried to resolve this with them but they said they gave notice before hand. I have all messages in the online portal and the only notification i got regarding account closure was after the fact, when they had already closed it. attached are the only notifications i received.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (CA)

Citibank overcharged us {$550.00} in interest. They sent us a letter to notify us, we did not discover this on our own as we pay off our cards every month. We called to understand how this could have happened, over what time period, etc. and were told they did not know but that they were sending a check to rectify the situation. Citibank breached their agreement with us as consumers. 

We told them them that sending a check was not good enough, we felt like they should pay us the interest on the {$550.00} they would have charged us if we had accidentally left that amount outstanding on their card. 

The agent demurred and said that was not possible, we canceled the card on the spot. Note we have been a Citibank customer for over 25 years with this credit card. We only have two cards, now down to one.
Consumer complaint received 2022-07-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

n accordance with the Fair Credit Reporting act XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

On XX/XX/2022, I tried twice to activate XXXX XXXX and failed and a number came up for me to call help. A Tech answered and he tried and it failed and then he asked if I had logged into my XXXX account from a different location because he said that it was showing that I had just logged in in XXXX XXXX  and XXXX. I told him " no '' and he said not to worry that he could fix the problem, but that I needed to first download a XXXX XXXX XXXX and then he needed to show me that my Ip address was public and we needed to make it private. He begin navigating through my phone to my XXXX account and to my Bank accounts then he told me to go to the nearest XXXX XXXX, XXXX XXXX and XXXX XXXXXXXX to purchase specific Gift Cards and specific amounts and it must be done quickly to show that I was indeed not in the other places that he mentioned. I questioned him, " why '' and He said that XXXX was putting the money back into my account not to worry. He needed me to stay on the phone and not hang up. After purchasing the Cards, he told me to open them up, scratch off coating, take pictures of the cards. When I got back home he activated XXXX XXXX and told me that he would call me back in about 10 mins. I waited and no call came. I called the number on my Caller ID and the number was disconnected. I called my bank and reported the Fraud and All the Funds went back into my account. I called The Crime Victims Center and they put my call through to the Senior Citizen division who advised me to file a police report and an Identity theft report with the FTC and to notify The Attorney General. I also contacted the 3 Credit Bureaus and froze my credit accts. A few days later the charges were back on my credit card account, so I called and they said that there was No Fraud. I reported to XXXX as well and called the phone numbers on the backs of the Gift Cards to do a report. I sent two letters to my Credit card Company 's Disputes Department. They say that they have a Zero-Policy for Scams! The Gift Card amounts totaled {$1900.00}. I didn't know I was being scammed!
Consumer complaint received 2018-12-21
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. (GA)

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 


BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$1100.00} Company : XXXX/XXXX  Account # :XXXX  Date Open : XX/XX/XXXX Balance : {$700.00} Company : XXXX  Account # :XXXX  Date Open:XX/XX/XXXX Balance : {$1400.00} Company : XXXX   XXXX/XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$11000.00}
Consumer complaint received 2019-09-11
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: EQUIFAX, INC. (NC)

Equifax still reporting account as a serious delinquency on my account that has a XXXX balance. XXXX XXXX requested it to be deleted from my accounts. 

Correct Account number:XXXX XXXX verified they sent notification to Equifax on XX/XX/2018 to delete account. 

With account showing as XXXX balance Equifax is reporting on my credit file that it is a serious delinquency when institutions are checking my credit file. There is no serious delinquency as I do not owe any funds on the collection. This is a violation of the Economic Growth, Regulatory Relief, and Consumer Protection Act when the agency has any information related to a fully paid debt that is being characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge of it being paid.
Consumer complaint received 2022-07-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (OH)

Back in XX/XX/XXXX, someone tried to open a XXXX XXXX account under my maiden name : XXXX XXXX XXXX XXXX caught within 24 hours and voided the request. 

Today, XX/XX/XXXX, another person attempted to open a bank account with TDBank. The account request was only a few hours old and was likely opened under my maiden name based on the email that was used. 

They caught within 24 hours and closed the request.

I have since used the credit agency apps to lock my credit score manually to avoid further accounts from being opened without authorization.
Consumer complaint received 2022-08-15
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. (GA)

In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX has violated my rights 15 USC 1681 Section 602 8 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a Consumer reporting agency can not furnish my account without my written instruction
Consumer complaint received 2019-09-11
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. (MA)

I am writing to dispute XXXX XXXX XXXX XXXX. The highest balance listed on the account is incorrect. Please delete the account.
Consumer complaint received 2020-12-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2018-12-20
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: Navient Solutions, LLC. (UT)

I have been trying to dispute this one student loan at least 7 times in the last 3 years they have a master promissary note that does not have my signature on it it was forged also the loan was given under false pretenses the school assured me they were accredited and the credits could transfer anywhere they lied the credits are no good at any other school they shut down and being 3 credits away from my degree I have to start all over again.
Consumer complaint received 2022-08-17
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2018-12-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (TX)

A few months back, I noticed a collection account in my credit files for XXXX XXXX XXXX. I contacted them about this debt and was told this was from a student loan. I explained to the company that I never had a student loan with XXXX XXXX University, as I paid cash for my courses. I asked for them to send me verification of this debt, and was told that they didn't have to send me the requested information. I stated that they have to validate the debt and just can't add a negative entry on my credit file when I have no earthly idea what the entry pertains to.
Consumer complaint received 2019-09-11
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. (LA)

I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion disclosure report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MA)

My listed address are wrong, XXXX XXXX XXXX is a single family, Experian has that correct but next to Is XXXX XXXX no such apt number, XXXX XXXX XXXX XXXX Maryland never lived in XXXX Maryland had a XXXX XXXX at one time but the XXXX XXXX was in XXXX ma XXXX XXXX ny never lived there either. XXXX XXXX XXXX XXXX ma XXXX XX/XX/1997 till present.
Consumer complaint received 2021-07-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Consumer complaint received 2019-09-11
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. (NC)

Account was paid in FULL XX/XX/2019. Balance still being reported As of XX/XX/2019 balance still showing on all three credit reporting agencies with one last reported date being XX/XX/2019
Consumer complaint received 2019-09-11
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: FIRST NATIONAL BANK OF OMAHA (OR)

I was approved for your XXXX  credit card at a particular credit limit about three months ago. Yesterday, without any notice, this credit limit was decreased significantly. There have been no defaults, delinquencies, or negative marks on my credit report since the initial approval. I have paid more than the minimum due with each payment and my income has not changed. The excuse I received from customer service was that the third-party team who initially approved the application missed some things. Sorry, that's not my fault. I have upheld my end of the credit relationship. 

Had I known that my credit limit could be decreased at any time ( for no good reason ) and without advance notice ... I would not have applied for this card. But now I'm stuck. If I cancel the card, that will have a negative impact on my credit report because of the short length of time the account has been open.
Consumer complaint received 2023-03-10
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. (VA)

I pulled a copy of my Experian credit report on XX/XX/XXXX, and after reviewing the information, I noticed that Experian have a bankruptcy listed on my credit report. This information was placed on my credit report in XX/XX/XXXX and have been on my file since then. I have disputed this information with Experian to get no response, or just completely ignore the fact that the information, is incorrect. Experian is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a The Bankruptcy Court has no interaction with credit bureaus, including XXXX, XXXX, and Experian XXXX The Bankruptcy Court does not report information regarding bankruptcy cases to credit bureaus and does not verify the accuracy of information regarding bankruptcy cases held by credit bureaus. So how is this placed on my consumer file since the court did not furnish this information to Experian. On XXXX XXXX I filed Complaint Number : XXXX to Experian, who replied stating that their are working on the file. They never provided me a completed credit report, and or investigated the initial dispute regarding the bankruptcy on my credit report. Experian is in violation of Public Law 91-508-OCT.26,1970, Findings, and Purpose -607.B Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i. Please note that, I also contacted the court who provided me the letter attached to this second dispute.

See Experian response : This is the company response : At your request to begin a reinvestigation, we are in the process of contacting the data furnisher ( s ) or public record vendor to verify the accuracy of the information with which you disagree. Please note that an investigation may take up to 30 days. Upon completion, the result summary will be provided directly to you for review. For additional assistance, you may call the toll-free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX XXXX XXXX, XXXX, TX XXXX XXXX For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/XXXX. Please note that you may also submit your request or documents supporting your claim electronically at www.experian.com/upload. You may also visit Experians dispute center by visiting www.experian.com/dispute. Thank you for submitting your dispute through the CFPB Portal. It is our policy to respond to consumers swiftly and to take each dispute seriously. We appreciate you letting us know about your experiences with Experian..