davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc. (CA)

I first received a written notice from Credit Corp Solutions in XX/XX/2019, so I immediately contacted them and asked them about this account. They confirmed they were sending notices to an incorrect old address in a different city and I advised them of my New Address. On the phone they collector was extremely irritated and rude, and kept making reference to " legal action '' and being " sent to an attorney '' - I felt like they were jumping the gun here as I had never been given a proper notice allowing me to dispute this debt or resolve it prescribed by the FDCPA. I then receive a pre legal notice making more legal threats against me, so I called them again on XX/XX/2019 to attempt to resolve this. Again I was met with legal threats every other sentence. I felt like they were trying to intimidate me to the point of paying significantly more than what I truly owe on this account. They also kept stating that they have not added on any " fees '' after, but this is an extremely misleading statement. They are not even allowed to add on any more fees since the account has been charged off, so no interest or late fees are supposed to accumulate anyways. They are deceitful and misleading. I attempted to settle with them for a reasonable amount of {$2000.00}, and even raised my offer to {$2500.00} but was met with more legal threats and I frankly had to terminate the call before I began to say thing I might regret, that's how condescending this person was.
Consumer complaint received 2018-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Let me get started by saying the Fraudulent information related to the Identity theft that has occurred on my Experian Credit Report, was mostly resolved however they continued to allow a few inquiries to be listed on my credit report. These are fraudulent, I did not authorize any of these companies to view my credit file. I did not authorize the company to review any soft inquiries either. I have already sent in my FTC Identity Theft Affidavit to Experian, They have my law enforcement documentation. 

I sent a previous complaint last week, and Experian 's response was they have to kindly reject my request to have this fraudulent information blocked from my credit file, Even though they were advised these inquiries as a result of Identity Theft. They did not provide an investigation, and I feel like their handling of Identity Theft, Is not only wrong but very against the law. Experian Violated my Rights as a consumer after advising them i was a victim of Identity theft to allow these creditors to review my credit file even with a security freeze on file. These credits did not follow the FCRA Fraud ALERT on my file either. I never received a call. I believe this is violating my rights as consumer and Experian did not handle the Identity theft information very well. Especially since in my previous complaint they were advised of the fraud and they " Declined my request to have the information blocked. " By law they were notified of the fraudulent information, they were provided law enforcement documentation, this has been reported and sent to Experian and even as a subscriber they do not care about consumers or victims of identity theft. I do not appreciate the way the last claim was handled, especially since it truly showed Experian doesn't follow the FCRA laws. 

The fraudulent inquiries are listed below. 
XX/XX/2018, XXXX XXXXk Consolidated. 
XX/XX/2018 XXXX XXXX - Not Authorized Inquiry. 
XX/XX/2018 XXXX - Not Authorized Inquiry. 
XX/XX/2018XXXX XXXX XXXX - Not Authorized Inquiry.
Consumer complaint received 2023-04-08
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. (MI)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$480.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$720.00} ; ( Original XXXX : XXXX  ) XXXX Balance : {$1000.00} ; XXXX XX/XX/2021 ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

TransUnion refuses to send credit report after my insurance company suggested that my rate was increased based on information therein. I originally requested the report on XX/XX/2019 in writing.
Consumer complaint received 2023-04-08
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. (CA)

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Please verify these accounts in my file : XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}
Consumer complaint received 2019-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (VA)

I have been trying to remove incorrect information from a public record that is disclosed on my credit report. I have informed Equifax that I have sent a letter and I have filed several disputes to get the information removed from my credit report. The information has been removed from XXXX and XXXX credit reporting agencies, but Equifax refuses to remove the bankruptcy from the public record. 

The bankruptcy was filed in XX/XX/2009 which is 10 years old. The tracking info for Equifax indicates to review dispute, but I'm receiving an error message that states the system is down. I sent several inquiries, but Equifax informed me they didn't receive the letter, so I filed the disputes online several times. This has been ongoing for several months and the dispute has not been resolved and the information is still incorrect on my credit report. Due to Equifax refusing to correct my credit report, it has affected my credit score. Here are the tracking numbers listed below : You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX Equifax has completed your dispute for Confirmation Number XXXX.
Consumer complaint received 2023-06-13
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: USCB, Inc. (CA)

My compliant is against USCB XXXX  for reporting incorrect information on my reports. They keep reporting some accounts that are not accurate. Let this serve as a formal request for investigation for some incorrectly reported and invalid items which do not belong to me, were found on my credit report. I want my financial freedom back and it is my right to have your assistance. I've done the hard work, checking accounts against records and have made notes specific to each account, your job is simply to fix it. Im attaching a copy of a sc-100 as a last resource for this company to remove all accounts from my reports.
Consumer complaint received 2021-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MA)

I went to the Amerisave Website on Wednesday XX/XX/XXXX where it clearly states, no ssn or credit report require for a pre-approval. So after you complete all the info, instead of a pre-approval, they call you and ask lots of questions and then they tell you they need to pull a credit report to finalize the pre-approval process. I asked them why does their website say no ssn or credit report and I essentially get no reasonable response on why the credit pull. 

I gave the the info and was approved for a loan and was then told that I had a few more questions and docs to review on a web link they sent me. I follow the instructions and then get a form that says, " Advance Application Fee and Authorization '' and requests a " non refundable {$500.00} application Fee. '' This is nothing but a scam to try to get a pre-qulaification letter and now I have a new credit report inquiry which I didn't want and no pre-qulaification letter. This is unconscionable business practices and nothing but a scam. How can this business practice be allowed? Now, I have a mtg with the builder tonight and no pre-qualification letter and will probably lose out on a house that we really wanted. What is our recourse?
Consumer complaint received 2023-04-08
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. (CA)

I just recently reviewed my profile and Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

Please verify these accounts in my file : XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$34000.00}
Consumer complaint received 2023-04-08
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)

I just recently reviewed my profile an

d Im very upset with the result that I have received. May I know how you contacted the creditor for me to know the reasonable procedure you take to determine my disputes are BELONG to me and VERIFIED AS CORRECT information? Did the Furnisher confirm that the information posted in my file is correct? I never received any notice from these companies that my dispute is truly mine or correct. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or Rescind.

Remove these items that are erroneous in my file for they do not belong there : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-03
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)

On or about XX/XX/2019. I submitted notification to all 3 credit reporting agencies that there was errors filed in my bankruptcy report. I did not receive a reponse back from neither of the agencies without investigation and they said that they will no longer reinvestigate the matter unless i had more documentation which im also providing to you, the check marks beside the accounts are accounts that were included in my bankruptcy that are not mine. Ive also asked from the agencies to provide me the methods that they used to validate these and to no avail i have received nothing.
Consumer complaint received 2019-04-05
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)

By manipulating circumstances it appears Citi is setting cardholders up to increase the likelihood of missing a payment so that interest may be charged.

Cardholders enrolled in paperless documents will receive their monthly statements via email. Citi says to enrollees that they will also receive a 5 - day notice prior to a payment becoming due.

The 5- day notice is not sent, the statement that was sent easily goes unnoticed because Citi sends copious amounts of spam email. The cardholder may then be charged interest. To placate the cardholder to accept interest charges, Citi may withdraw their late fee.

Upon receiving the late notice the cardholder may try to prevent similar issues in the future by logging into their account online, I found that the website changed its navigation for the cardholder with an overdue balance in such a way as to have the cardholder link payment to a bank account.

Setting preferences on the website for balance alerts via text was broken for this cardholder.

Phone and chat contact was established with seven Citi personnel whereas assurances were made but not fully delivered.

Not unlike XXXX XXXX, it appears Citi administration is gaming their unwitting account holders.
Consumer complaint received 2023-03-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Clark County Collection Service (NV)

Clark County Collection is currently reporting an account in non compliance with following GLBA statues ( s ) Sec. 6802 - Obligations with respect to disclosures of personal information ( a ) ( b ) ( c ) ( d ) Sec. 6803 - Disclosure of institution privacy policy ( a ) ( b )
Consumer complaint received 2023-04-08
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. (CA)

On XX/XX/2023, I sent letters to XXXX, Equifax, and XXXX to correct errors currently on my credit reporting. I was advised they have looked into it, however, it's still showing on my credit reporting.
Consumer complaint received 2023-03-31
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. (FL)

I sent the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00}
Consumer complaint received 2023-03-31
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. (FL)

I did not consent, authorize or benefit from any of the following accounts or inquires. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00}. XXXX XXXX  {$3000.00}. XXXX XXXX XXXX XXXX {$750.00}. AXXXX XXXX XXXX {$7800.00}, XXXX $ XXXX XXXX {$470.00}. XXXXXXXX XXXX XXXX {$39000.00}. XXXX XXXX {$1800.00}. XXXX XXXX {$2100.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$470.00}. XXXX XXXX {$200.00}. XXXX XXXX {$800.00}. XXXX XXXX {$330.00}.
Consumer complaint received 2022-07-20
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)

Submitted a certified letter to Equifax explaining some addresses that are incorrect on my credit. I do not know where these addresses have come from as they are incorrect and invalid. Associated with these accounts are accounts that I have no knowledge of nor have I resigned here. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : 1. XXXX XXXX XXXX XXXX XXXX, TX XXXX. Account/Account # : XXXX XXXXXXXX XXXX XXXX XXXX XXXX 2. XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX. Account/Account # : XXXX XXXX XXXX XXXXXXXX XXXX 
3. XXXX XXXX XXXX XXXX XXXX, TX XXXX. Account/Account # : XXXX XXXX XXXX XXXX  XXXX. 
4. XXXX XXXX XXXX XXXX XXXX, TX XXXX.
Consumer complaint received 2019-10-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION (SC)

On XX/XX/19, My checking balance was {$2100.00}. On XX/XX/19, two transactions ( {$32.00} and {$26.00} ) were posted to my account leaving a balance of {$2000.00}. A pending transaction was added to the account for {$2000.00} as of XX/XX/19 - this transaction is still pending. I saw a pending transaction for {$170.00} at that time, which, had it cleared, would have left a balance of - {$110.00}. At that time, on XXXX, I initiated a transfer from my other bank for {$150.00}, which should have left a balance of {$39.00}. 

Instead, I was charged {$36.00} each ( total {$72.00} ) overdraft fees for the {$32.00} and {$26.00} transactions. My {$150.00} transfer in and the transaction of {$170.00} both cleared on XX/XX/19. As the balance was now negative due to the {$72.00} in overdraft, I was charged an additional overdraft on XX/XX/19. The {$2000.00} is still a pending transaction and is set to post today ( online bill payment which was initiated for XXXX ). 

The bank, BB & T, agreed to waive the final overdraft fee " as a courtesy '' but refused to acknowledge that their creative accounting was the reason for any overdraft fees in the first place.
Consumer complaint received 2023-04-08
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)

I am submitting this CFPB Complaint in response to the recent investigation. I do not agree with your findings and I am demanding complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : XXXX XXXXXXXX Balance : {$2100.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} - Your record keeping is inadequate. This item is reported as past due but the account is closed with a XXXX balance. Correct it now. Provide evidence that false information hasn't been reported or remove it. 
Pursuant to 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me when the items have been updated or erased. Once this has been accomplished, please forward me an updated copy of my credit report.
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: CITIBANK, N.A. (WA)

In XXXX of 2023, I noticed XXXX fraud charges on my account. XXXX was reversed immediately, and the other still shows on my account. I have disputed the charge, and they sent me a new card. They told me that they were investigating the charge. In XXXX of 2023, the charge was removed, only to be put back on a week later. They have told me not to pay the balance as it will be removed. I have talked with multiple people with Citi, and they all said it will be removed. It is still there and now has interest and late fees attached. I called today and was again given the runaround about this and told that the department that handles this ( the XXXX Department ) is unavailable. I do not have any faith that they are going to fix this, so now I am turning to here for help. 

XX/XX/year> : Hotel at XXXX XXXX XXXX for XXXX XX/XX/year> : Hotel at XXXX XXXX XXXX for XXXX