davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-26
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. ()

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX  XX/XX/XXXX {$36.00} XXXX XXXX XX/XX/XXXX {$160.00}
Consumer complaint received 2019-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (WI)

Attempted to open a CITI BANK Savings account in XX/XX/2019. This was online. Apparently CITI BANK did not make the fund transfer. Today I receive an OVER-DRAW call from CITI BANK on an account that was never consummated. XXXX DOLLARS is the Grand Total of amount put into said account. Said account number is????? .... I have no idea because I have never received anything with Savings Account Number. 


Now the XXXX : 1 ) Citi claims there was no banking information input for online transfer. XXXX, I had my daughter and wife were right by me as I entered information when I did this. 
2 ) " Said account '' that I was accessed an OVER-DRAW FEE for was never consummated in any way shape or form. 
3 ) Citi claims they sent a " welcome packet '' as well as " banking information '' letter. XXXX again. Nothing ever arrived. 
4 ) Citi stole my information on the online form. No nothing after I input data. 
5 ) My credit rating takes hit because of OVER-DRAW. Great, I work to obtain well over 800 credit rating ... ... for what??? Or, for who ... ..certainly not the consumer. You know, I have never been offered a better loan fee than what was listed for everyone ... ... funny how that works. Again, who is my credit rating for? 
7 ) Check out CITII BANK " chat window '' that never works '' ...!!!!! 
8 ) MY BAD, the APR was way to good ... .if it sounds too good to be true ... .CITI will XXXX you! 

This is what corrupt banking looks like. And worse yet, Our GOVERNMENT offers no recourse. Banks keep getting away with this XXXX. 

FULL TRANSPARENCY SIGNATURE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CO)

I had a lease with roommates. We couldn't afford the lease so we left a month early but arranged with the office that they would take the deposit and maybe have a small charge after that. Now i have a XXXX collection on my credit report. My former roommates have nothing on their report and the company in question won't send me a detail of the bill but there is no way that it could be XXXX. I have tried disputing the account with the credit bureaus but had no success. Please help me
Consumer complaint received 2019-04-26
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 — Was not notified of investigation status or results
Company: MARINER FINANCE, LLC (TX)

I have currently set this file in debt settlement company. They stated that they didn't deal with the companies and making harassing phone calls. On today XX/XX/2019 they pulled my credit report without my permission to do so. A hard inquiry is now on my report due to an act that this company put on my report today that wasn't authorize by me at all. I don't know why they would pull my report without my permission. This is not acceptable at all.
Consumer complaint received 2019-04-26
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. (WA)

XXXX and Experian are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. I called and spoke to a representative to pay this account and I was told that this account had a {$0.00} balance due. Unfortunately, there is another account that is similar XXXX partial account number XXXX which is closed/lost. This closed/lost account was credited with the payment. Consequently, the current account was never credited with the payment and that is why the account is showing late. The representative realized this was their mistake, however the bureaus are still reporting this account as late. ( Please see page 3 of the attached credit report. )
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ERC (TX)

This is EXTREMLY Old, and incorrect information. The orignal company I BELEIVE was XXXX XXXX. Which when I left that company it was in XXXX I beleive. Why on earth they are reporting this in XXXX is beyond me. I do not acknowledge owing them this debt as my bill was paid in full when I moved and all equipment was returned in perfect condition to them at the time I cancelled the service. So I can not imagine what it is even for. I have contacted the company by phone and been given the run around and never gotton any resolution at all. I have written letters and never gotton any responce. It is past time for this to be removed from my credit if they can not even be bothered to respond to inquiries about it and I think the limit for it to be on my credit at all is up at any rate. 

ENHANCED RECOVERY COMPAN Reported :XX/XX/XXXX OpenedXX/XX/XXXX ( 1 yr, 3 mos ) ( this was most DEFINATELY NOT opened in XXXX ) Account status Open Type Collection Account Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info
Consumer complaint received 2019-04-26
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Lewis, McDonnell & Associates (TX)

This company called my job today, XX/XX/2019 they did NOT ask to speak with me. They asked for my supervisor and informed her that a deputy was on his way to arrest me and serve me with legal documents. My supervisor gave me the information. I called the company ( XXXX ) XXXX and they refused to identify themselves. Just repeated over and over that they were on their way to my job and I had 1 hour to give them my payment information.I asked them why were they calling my job and telling my supervisor lies. I was informed that I should've paid my debts and they did a background check on me and that's why they're coming to my job. I told them that I believed they were a scam, because they wouldn't identify themselves and they could've easily got my home address and my personal phone number, IF they indeed do a background check. The guy then got very hostile and told me that I was going to jail. I repeated over and over that I had 1 hour to pay and hung up the phone. Instead they're trying to bully and embarrass me by telling lies to my supervisor. I informed my supervisor that it was a scam and she said she was happy. The damage is already done!
Consumer complaint received 2019-02-11
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. (GA)

CFPB is full of complaints against the XXXX XXXX XXXX XXXX. I have filed a number of complaints attempting to correct my XXXX, Equifax and XXXX XXXX accounts. The false reporting has a deleterious effect on my livelihood, my ability to obtain credit and work. I am asking CFPB to conduct an in-depth investigation into my complaint and enforce compliance. XXXX XXXX XXXX XXXX continues to report false information to each of the the three credit reporting agencies. XXXX XXXX XXXX XXXX pursued collections on a credit card account I previously held with them. I demonstrated a number of times that I was the victim of fraud and that the charges they alleged were not of my making. I provided them all the law enforcement reporting I had pursued. XXXX ignored all this information and proceeded with collections. XXXX XXXX XXXX XXXX then CANCELLED THE DEBT when they CHARGED OFF the account and issued a 1099 reporting the cancellation of the debt. XXXX XXXX XXXX XXXX continues to report a PAST DUE amount of  {$22.00}, XXXX. By law, XXXX XXXX XXXX XXXX can not continue to pursue a debt they have cancelled. XXXX XXXX XXXX XXXX can not claim {$22000.00} is PAST DUE when they have charged off the debt and cancelled it by 1099. XXXX XXXX XXXX XXXX abandoned all claims when they charged off the debt and issued the 1099 to the IRS. I want this account removed. I want the PAST DUE amount reduced to {$0.00} because nothing is PAST DUE. I want a clean, updated Credit Report. 

Accounts With a Negative Pay Status LENDERTYPEBALANCE XXXX XXXX XXXX XXXX COLLECTION/CHARGEOFF Credit Cards {$22000.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$22000.00} Account Details Bureau Name XXXX XXXX XXXX XXXX Account Type Credit Card  Responsibility Individual Credit Limit {$22000.00} Credit Used 101 % Highest Balance {$22000.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Payment Details Amount Past Due {$22000.00} Date of Last Payment XX/XX/XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX, VA XXXX Remarks Charged off. Canceled by credit grantor.
Consumer complaint received 2020-09-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Navient Solutions, LLC. (VA)

In XX/XX/XXXX and XX/XX/XXXX Navient made unauthorized transactions each at XXXX. I have not authorized anything since XXXX. The company made a declaration of XXXX to be stolen on XX/XX/XXXX. Again, they have no authorization to do this. A pandemic is making it difficult to survive, and their repeated dipping into my pockets will cause severe hardship.
Consumer complaint received 2019-04-26
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. ()

All three credit reporting agencies are reporting an incorrect balance on my credit card. The balance on my XXXX XXXX XXXX XXXX XXXX has been approx. {$13000.00} for several months. The agencies are reporting a balance of approx {$19000.00}. They corrected the inaccuracy couple of months ago, only to return to the incorrect reporting of the $ XXXX figure a couple of weeks later
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The CRA is violating my rights by allowing a debt collector to report and account that was fraudulent and previously removed as a result. The original furnisher was XXXX XXXX. Now XXXX is trying to collect and report and is violating 15 USC 1692G The CRA. is violating 15 USC 1681EB, 16 USC 1681S-2A1A ,15 USC 1681C-1 AND 15 USC 1681C-2
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have made multiple attempts to address the issue of fraudulent inquiries appearing on my consumer report. These inquiries, which do not belong to me and for which I hold no responsibility, have caused significant mental and financial distress. As a victim of identity theft, I am left with no choice but to consider legal action if this complaint is not handled appropriately. These inaccurate and fraudulent items on my consumer report have prevented me from purchasing my dream house and meeting the needs of my family. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-07-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called and questioned most about the inquiries and was advised they would be happy to remove them with no results. 
In the past, I had a fraud alert... I take great pleasure in managing my report as it is important to me.
Consumer complaint received 2019-02-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian refuses to follow my state state purge law which states collections or charge off accounts should be removed 5 years from first date of Delinquency instead of 7 if the account has been fully satisfied or paid off. XXXX and XXXX  automatically updates their system to purge paid accounys which two of my accounts from XXXX XXXX and XXXX XXXX   have been removed these accounts are supposed to be removed Experian declines to help or transfer me to a supervisor to seek a remedy Details about the state 5 year purge law New York State General Business Law Section 380-j ( f ) ( 1 ) Except as authorized under paragraph two of this subdivision, no consumer reporting agency may make any consumer report containing any of the following items of information.

( i ) bankruptcies which, from date of adjudication of the most recent bankruptcy, antedate the report by more than fourteen years ; ( ii ) judgements which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period ; or judgments which, from date of entry, having been satisfied within a five year period from such entry date, shall be removed from the report five years after such entry date ; ( iii ) paid tax liens which, from date of payment, antedate the report by more than seven years or, a paid, satisfied or vacated tax lien involving a purchaser, transferee or assignee in a bulk sale transaction who has been deemed liable by the state tax commission for sales taxes due from a seller, transferrer or assignor under subdivision ( c ) of section eleven hundred forty-one of the tax law, where the receipt by a credit reporting agency from such purchaser, transferee or assignee of a notice, or true copy thereof, from the state tax commission to such purchaser, transferee or assignee that his liability has been wholly paid or satisfied or no longer exists, antedates the report by more than thirty days ; ( iv ) accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years ;
Consumer complaint received 2020-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (GA)

When logging onto Experian to freeze my credit, their website makes it appear as if I must PAY to buy their services to " lock '' my credit file. It is extremely difficult to search their website to find the link to file a credit freeze. If I didn't already know the difference in a credit freeze and their shamelesseffort to make me think i had to pay to buy their credit LOCK, i would never have spent an HOUR searching for the way to freeze my credit. Then after i had successfully logged in and verified my identity, they denied my request to place a freeze, and said i had to send a written certified mail request. 
Experian was quite happy to SELL me their Credit Lock services, but entirely unwillingto provide the FREE credit freeze to which I am entitled. 
This is abusive to the consumer. The other 2 credit bureaus make it simple to place or lift a credit freeze. Only Experian engages in this deceptive tactic to sell their services. 
Please impose a heavy fine on them
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I attempted to initiate a Credit Freeze with Equifax. My efforts to do so online did not work and they asked me to call. As part of their " security '' questions the asked me for the monthly amount of my payment to my credit card. Since this is not a set amount and the minimum depends on factors like outstanding balance and whether or not I had recently made a payment, there is no rational answer to this. For me, it literally could be $ XXXX for my most recent statement or {$370.00} for the prior month. 

Because I was not able to answer to their " satisfaction '' they refused to initiate my freeze - despite the fact that I answered EVERY OTHER QUESTION correctly. If Equifax is going to use the vague item to identify individuals they need to be VERY clear as to which month they are referring and then permit individuals the time to find the statement and/or log into their account before berating the customer.
Consumer complaint received 2019-04-26
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: CITIBANK, N.A. (NY)

MACYS FRAUD DEPARTMENT REFUSES TO DO A PROPER INVESTIGATION INTO A FRAUDULENT ACCOUNT THAT WAS OPENED IN MY NAME ON XX/XX/2011. INSTEAD OF FULLY INVESTIGATING THE ACCOUNT THEY DEEMED IT AS MY ACCOUNT AND SENT IT INTO THEIR COLLECTION COMPANY. MACYS CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT ON MY XXXX FILE EVEN AFTER I SENT IN POLICE REPORT FOR IDENTITY THEFT ALONG WITH THE FTC FRAUD AFFRADAVIT. HOW CAN YOU TELL A PERSON TO ARRANGE TO MAKE PAYMENTS ON ACCOUNT THAT THEY NEVER OWNED.THE ONLY GOOD THING MACYS DID WAS SEND A LETTER THAT STATED THE ACCOUNT WAS OPEN ON XX/XX/2011. THE DATE THE ACCOUNT WAS OPEN DEFINITELY PROVED I AM NOT THE OWNER OF THE ACCOUNT BECAUSE I WAS ADMITTED INTO THE HOSPITAL FOR XXXX ON XXXX, XXXX, XXXX AND WAS DISCHARGED ON XXXX, XXXX XXXX. I HAVE SUBMITTED NEW EVIDENCE ( HOSPITAL RECORD ) TO THE MACYS FRAUD DEPT VIA MAIL AND I REQUEST THAT A NEW INVESTIGATION GET STARTED. MACYS HAS DAMAGED MY CREDIT FILE TO THE POINT WHERE THEY HAVE CAUSED ME FINANCIAL HARM. THEIR PRACTICES ARE UNSCRUPULOUS AND THEY DONT CARE ABOUT THE CONSUMER. WITH THIS NEW INFORMATION MR. XXXX HAS FURNISHED ME I WILL NOW CONTINUE TO SEEK THE ADVICE OF LEGAL COUNSEL.
Consumer complaint received 2019-09-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

XX/XX/XXXX received call we let go to voicemail claiming to be Capital One. Stated : " There was a problem with your account, but we have resolved it. If you have any further questions, call ( phone number given ). We ignored it as a scam call. XX/XX/XXXX received bill from Capital One and were surprised to see two new names authorized to use our account, XXXX XXXX and XXXX XXXX. The week prior, a collection company letter was received about a overdue XXXX XXXX XXXX bill for a XXXX XXXX we returned to sender. 

Called Capital One and eventually got to the Fraud Dept. New cards would be issued to us, but subsequent email to us stated new cards would also be issued to XXXX and XXXX. Called Cap One again and were assured that is not true, but no one could state why the email was sent saying otherwise. 

File a fraud alert with XXXX. Filed identity theft report with local police. They said to get the address where the cards were sent would be helpful if they are local. I called Cap One and Fraud Dept reported these fraudulent cards were sent to XXXX, Wisconsin, but claimed federal law protects the confidentiality of the crooks who stole our identity. I was given another number and a fraud report number : XXXX. I was given a phone number to text. No response.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Someone accessed to my online banking and made {$500.00} XXXX transfer to someone I dont know or I did not authorize on XX/XX/2022. I called the bank right after I got a confirmation email from the bank and noticed this was not made by me. I filled a claim right away but the bank told me the transaction was made by me and closed the case and told me they can not credit the {$500.00}.
Consumer complaint received 2019-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY (NJ)

Had issue working with XXXX after making a payment for XXXX and XXXX. Was instructed that payment wasn't posted for XXXX but for XXXX after making payment for XXXX in end of XXXX. Company failed to help or take that into consideration and have charged account to be late. Company still reported past due even though a payment was made for XXXX, XXXX, and XXXX, and XXXX. No letter was sent to me to share this information as well.
Consumer complaint received 2019-04-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (NJ)

I refinanced my private student loan from Firstmark services to XXXX. XXXX XXXX  then sold the loan back to Firstmark services. My current monthly payment is over {$600.00} a month. I can not pay this amount and contacted Firstmark. I was tld that I am not eligible for any help at this time. I am now behind on my payments by several months after losing my job in XX/XX/2018. Firstmark continues to call me demanding payment however they are not willing to offer any affordable solutions. I am also accruing late fees that are astronomical as well as ridiculous high interest. My initial loan was under {$40000.00} and now is over $ XXXX.Is it any wonder there is a student loan crisis in this country. I was told that even if I make a small payment each month my loan will still default.