davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-10
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. (SC)

I called in XXXX and requested that I be able to move my credit limit from two of my citi accounts ending in XXXX and XXXX to my XXXX   card XXXX. When I spoke with this person in the other department I was informed that I could not move the credit lines from the two other accounts and to call back and try again after the statement cut said okay and hung up. I WENT ONLINE TODAY AND DAY THAT THIS AGENT CLOSED MY ACCOUNTS WITH OUT MY AUTHORIZATION. 

I AT NO TIME SAID YES GO AHEAD AND CLOSE MY ACCOUNTS I WAS NEVER READ A DISCLOSURE I HAVE THE ENTIRE RECORDING MYSELF I SUGGEST THAT YOU GO PULL IT!
Consumer complaint received 2022-01-26
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. (TX)

All three major credit bureaus were notified via certified mail and online. certified mail ( XX/XX/XXXX ) and online ( XX/XX/XXXX ) via dispute of a collection account that was being reported that was not mine. We have spoken with the original creditor several times. The original account was never validated back in XXXX with a different collection agency and was removed from Experian. It was then sold and added back to my credit reports and we are now disputing again. The new collection agency failed to properly validate this date per the FCRA and Texas Finance Code, the credit agency failed to properly validate this claim. XX/XX/XXXX - they refused to update this claim stating it had been verified. The most recent dispute asked them to validate and provide their method of verification as we know this account can not be verified because we spoke with the original creditor again on XX/XX/XXXX and again they have no record of me never having an account or an account being sent to collections, that I am eligible to apply for an account. The collection agency also stated they were under no obligation to provide any original documentation showing proof this account was not fraudulent and belonged to us and they would only verify to the credit bureaus.
Consumer complaint received 2022-01-26
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. (TX)

The account listed below was dismissed in court, proving I don't owe the company. I did not consent for this account to be reported on my credit. 

Account Name Account Number XXXXXXXX XXXX  XXXX XXXX
Consumer complaint received 2019-05-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

On XX/XX/19, I received a credit card from First Citizens Bank with a Credit Limit of {$15000.00} that I never filled out an application for, submitted a SSN for the card, sign my name to an application for a card, and never asked First Citizens for a credit card for any reason.
Consumer complaint received 2022-10-07
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-12-01
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. (NV)

in mid XXXX I submitted fraud disputes with XXXX over the phone regarding fraudulent inaccurate & unknown accounts on my credit report. The initial investigation took well over 30 days & I called in over 3 times and got XXXX different status answers when I called in each time from different supervisors. They each had a different story for me about my dispute status. I believe I called in the original dispute XX/XX/XXXX. I called back octber XXXX and there rep told me I didn't submit the original claim until XX/XX/XXXX which was false. He then advised me that I needed to send in a police report and I advised him that I had mailed it in after my intail call earlier in the month. The supervisor found the police report I submitted and told me that they deemed it invalid. But after reviewing it with me he said that there was no name and address on the police report. After futher review I pointed out that the police report actually had all of my relevant information included on the report including my full name and current address, He admitted that the error was on their part. He said he would reach out to that department and fix the issues, He also advised me that my disputes should be completed by XX/XX/XXXX. Today I called in to check my results the date is XX/XX/XXXX. I was advised that the investigation was closed due to my invalid police report!!!! None of the inaccurate accounts were removed from my credit report.I feel like I am being taking advantage of & being ignored of my disputes they say they have no record of the call or notes from the supervisor I spoke to to help resolve the issue. They made me submit another dispute today and told me I have to wait an additional 30 days for results. section 611 ( a ) states that a failure to investigate these items within 30 days a reason to immediately remove those items from my credit report & it has been more than 30 days in they have failed to conduct a proper investigation. I demand these items be deleted immediately or I will file litigation due to the stress they caused me ( Equifax ) the credit bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) the credit bureaus are suppose to complete al investigations before the expiration period of the period under section 611 ( a ) ( 1 ).

The confirmation # of the dispute with Equifax is XXXX the new confirmation # to my new dispute I filed today is XXXX
Consumer complaint received 2022-01-26
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. (CA)

When XXXX had it's big data breach I had all if not my entire body stolen from me. Those peacocks are no good for nothing agencies stealing our information selling it for profit when we the American workers work our bottoms off XXXX sweeting puddles of water and these guys selling our social security numbers, banking information, changing my name around, taking my california unemployment money totaling over XXXX XXXX should go to Jail also he's another Scammer. XXXX, XXXX and Transunion it doesn't matter how many letters you send them, how many registered letters you send and demand them to fix your credit report they DO NOTHING. I got hit really hard do to Covid-19 I had a really good job in the Hotel industry General Manger At a XXXX  In the XXXX XXXX  got XXXX though hey I will collect unemployment 1 month went nothing 2 months went by nothing 4 months went by nothing 2 years now nothing so XXXX I'm the scammer whos on my Credit reports all three of them Living in XXXX XXXX XXXX CA I've been trying for 2 years to get those 3 agencies plus thje Attorney General he's another idiot to fix my Credir reports. The person using my identity is messing me up daily. This person is running my credit everyday. Catr shopping. I did go car shopping in XX/XX/2021 at XXXX XXXX XXXX. XXXX Has XXXX Hard inquires I WANT OFF MY REPORT NOT MINE THEY NO IT AND THOSE IDIOT NO IT. who in he XXXX goes cat shopping daily. Come on people just look at the dates it looks so suspicious they did no follow ups on any of my letters, none of the credit bureaus. The only inquiries that should be on my credit report for XXXX is XXXX XXXX and XXXX all the others XXXX XXXX XXXX XXXX, XXXX, OMG I have a BOX full of letters I'm not paying ANY lawyer for those idiots mistakes. I'm not rich. They need to correct all my names, my addresses I only have ONE NAME AND ONE ADDRESS. I'v elived their my entire life. They all know it. XXXX AND XXXX I am for sure are the Fraudsters there the people behind the fraud there the skeleton in the bag screwing us all over. I want my credit repoert fixed ASAP.
Consumer complaint received 2019-05-24
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. (GA)

I filled a request for a dispute with Experian on XX/XX/2019 for the account XXXX XXXX XXXX # XXXX {$540.00} ( CFPB Complaint # XXXX ). This account is not valid and should be deleted and removed. Experian acknowledged the disputed on XX/XX/2019 and rendered the account verified and accurate on XX/XX/2019. I can not understand how this was investigated in 7 days. I would like a method of verification accordance to FCPA 611 ( 7 ) and I would like it within the 15 days of receiving this notice. This account is not valid or accurate and should be removed or deleted immediately
Consumer complaint received 2019-05-24
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. (TX)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

XXXX XXXX XXXX  is misreporting on my credit. They have reported a Home Equity Line of Credit as a " charge off. '' This loan was paid off in full. I have supporting documentation that it was paid off. I have worked with XXXX XXXX XXXX  for three years to get this resolved and they refuse to change it. In that time I have paid more in interest on various loans because of this affecting my credit score. My local credit union ( XXXX XXXX XXXX XXXX ) requested a payoff from XXXX XXXX XXXX  on XX/XX/16. XXXX XXXX XXXX  did not respond. A second request was sent on XX/XX/16 so that Utah XXXX XXXX XXXX could pay it off and assume the HELOC. Rather than responding, XXXX XXXX XXXX reported the loan as a " charge off '' on XX/XX/16. After again making contact, XXXX sent XXXX XXXX XXXX a Cashier 's Check ( # XXXX ) in the amount of {$34000.00}. That check was dated XX/XX/16 and cleared XXXX XXXX XXXX on XX/XX/16. I have made phone calls, submitted disputes through annualcreditreport.com, hired a company to assist me in the matter, and still it remains unresolved. XXXX XXXX XXXX  is negligent in their practices and this needs to be resolved immediately. I have spent countless hours attempting to rectify their mistake.
Consumer complaint received 2022-01-14
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: EQUIFAX, INC. (FL)

fact, I the affiant is aware and have proof that Equifax has and definitely continues to violate my consumer privacy rights. I the affiant during my personal investigation, observed 24 violations and counting on my consumer credit report. XXXX continues to be in violation of 15 U.S. CODE 1681 ( A ) ( 4 ), 15 U.S. CODE 1681 ( A ) ( 2 ), 15 USC 1692 ( D ) ( 1 ) ( 3 ) 15 USC 1681 ( A ). Even after being informed that the information was in fact incorrect and should not have be placed on there. Due to XXXX willful and gross behavior ; I have been reputedly violated and as a result of XXXX negligence, I have been Injured numerous times. The injuries include but are not limited to being denied credit, My valued reputation has been utterly disgraced and ruined, loss of business income, XXXX, and XXXX XXXX
Consumer complaint received 2024-03-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation (FL)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX FL XXXX ). I put {$3000.00} down and the rest was financed thru Driveway Finance Corporation ( XXXX XXXX XXXX XXXX XXXX OR XXXX ). On XX/XX/XXXX I received a welcome letter from Driveway Finance Corporation with details of my account, how to sign up online for an account to manage the account and make payments. I set up an online account. The first payment was due XX/XX/XXXX. I made my payment online on XX/XX/XXXX. Its now XX/XX/XXXX and the payment has not processed. I have called each day to Driveway Finance Corporation to the only number provided ( XXXX ). Thru the automated system I am transferred to a representative line which plays a song continuously with no answer. I have even tried the " title message box '' and left a voice message in hopes someone will contact me. I have called my bank and they have verified that no attempts from this company has been made to my account for payment. I have called the dealership multiple times and no one returns my calls. Online, on my account, it shows in the " payment history '' that the payment was made however it also shows that the payment is now overdue, accruing daily interest for payment now posted to account.
Consumer complaint received 2022-01-26
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)

i am a victim of identity theft, the information that i have right now posted on my credit report is not correct. 
i need to fix this information cause i think somebody use my information to do froud actions, pursuant to section 605b of the faircredit reporting act and i send all the inf required.
Consumer complaint received 2019-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (MA)

I was never notified of the debt I owed and am not sure what the debt is for. A derogatory mark was noted on my credit report and XXXX XXXX sent me an email of such. I looked on the XXXX XXXX site and found the company listed is Caine and Werner and I owe {$100.00} but I don't know what this debt is for or who it is owed to. They have not contacted me to notify me of this situation. Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2019-05-24
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)

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2016-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (NC)

I have been making monthly payments towards my student loans about 3 years ago. My situation changed a little over a year ago. I contacted Nelnet to discuss my options. I decided to go with the repayment earn as you go program. I was told there is a {$690.00} application fee but if I join now, My application fee would be {$590.00}. However, my application would not or could not be processed until my fee was paid. I was also told this fee could be made in monthly installments. So, since XXXX, I have made XXXX payments of {$190.00}. I submitted my application soon after I hung up the phone initially in XXXX. XXXX payments later I received a letter from Navient stating my application was being processed. I called them to discuss that letter, but did n't get through. I called Nelnet to see if my application was being processed. They said no, that they never even received it. This was in XXXX. After XXXX 's installment was auto drafted from my bank account, I called Nelnet again to see where my application stood. Again, they claim to have never received it. I then called Navient and got a hold of a lovely woman named XXXX who explained to me my application was indeed being processed. She also informed me Nelnet was no longer my provider and I should not have been asked to pay anything regarding an application fee because the service I was paying for is in fact free. She proceeded to give my phone numbers to people who could help me get this resolved. I am attaching documents from my bank showing the XXXX installments I made in the amount of {$590.00}. They are in a different name ( ACH XXXX ... ) than the Dept. of Education I usually made payments to.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Since i di not do business with CAPITAL ONE, please forbide this company to generate hard inwuiries or any other financial transaction including inquries which are TOTALLY ILLEGAL since i Am not Authorizing them nor i have intentention to conduct business with them. Please ERASE the yesterday inquiry generated yesterday by such company which is resulting in intentional attempt of FRAUD. Following this communication and if in the future such illegal activity persists, XXXX will be responsible for such illal opetation and fraudolently will be reported to FEDERAL police for deep investigation. Please dial XXXX to talk directly to myself. Within 1 business day. Failure to contact me will be considered as VOLUNTARY COVER UP or OCCULT EVIDENCE and treated as it is. 
Sincerely XXXX XXXX [ intended as legal signature ]
Consumer complaint received 2022-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC. (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, WAKEFIELD failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
WAKEFIELD Account Number XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
WAKEFIELD Account Number XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2022-01-26
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. (CA)

I moved in the XXXX XXXX XXXX in XXXX XXXX nv and the pipes where bad and the toilet was over filling they felt I owed them for the plumbing tried evicting me for not paying for the plumbing bill we went to court the judge ruled in my favor the unit had previous damage before I came and stated I did not owe any money for the damages to the pipes and the apartment reported to the credit company after I moved out 5 months later and put the charges on my credit report