davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-15
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. (NC)

XXXX sent me a letter ( attached ), stating that I, XXXX XXXX, requested a Fraud Alert be placed on my Credit Report ( s ). I DID NOT request any type of alert or block to be placed on my credit. Further, I did not ask XXXX to notify XXXX or Experian of any such thing. This Alert/Block is damaging my ability to do things like get utilities in my name - I am a XXXX Veteran and this hinderance is actually life threatening for me. REMOVE all such Alerts/Blocks on my Credit IMMEDIATELY - thank you. I have sent this in written correspondence as well to all 3 Credit Agencies, along with Proof of my Identity and Address.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2018-10-23
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 (IN)

I CONTACTED CAPITAL STARTED IN XXXX THEY HAVE TOLD ME THAT I WILL BE GETTING A CREDIT INCREASE AND THE END OF BILLING CYCLE WICH IS XXXX CALLED CAPITAL ONE SEVERAL TIMES OF THIS MATTER KEEP GETTING THE RUN AROUND ABOUT THE CREDIT INCREASE HAVE PAYED MY BILL ON TIME FOR CONSECETIVE 7 PAYMENTS AND EVERY TIME I TALK TO A CUSTOMER SERVICE AND MANAGER I GET THE RUN AROUND SAYING I WOULD GET THE CREDIT INCREASE IN XXXX BY MIDNIGHT ON XX/XX/XXXX CALLED THIS MORNING, NOW ITS A DIFFERENT STORY I NEED THIS MATTER FIXED PROMPTLY.
Consumer complaint received 2018-05-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (CA)

My issue is with Carrington, they just started to service my mortgage from XXXX XXXX XXXX. 
They sent me a letter on XX/XX/XXXX stating : ... .. '' we are pleased to inform you that MIP on your loan has been cancelled. As a result, your monthly mortgage will be will adjusted accordingly. A revised billing statement will be sent separately. '' We made a mortgage insurance payment in XX/XX/XXXX that included the extra XXXX as the payments crossed in the mail. In XX/XX/XXXX and XX/XX/XXXX, we made our regular payment less the PMI of XXXX. 

The letter with the revised billing statement never came. I wrote 2 letters, and ask for help on their help line on their website. They stopped applying our payments to our loan. 

Yesterday, I received a letter dated XX/XX/XXXX. It stated that " removal of MIP does not immediately affect the scheduled payment, the payment will REMAIN THE SAME '' until we generate a new escrow analysis ONCE A YEAR. 

Can you please find out why they are demanding that we continue to pay for a service that has been cancelled? And why they aren't applying our payments to our loan? And why we can't receive a refund for the OVERPAYMENT of the PMI in XX/XX/XXXX after it was cancelled? Thank you.
Consumer complaint received 2021-07-19
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CO)

Citibank froze my account in XXXX and requested proof of residential address in order to unfreeze my account. I sent in the requested documentation, and was been told it was accepted and no further action is required. Then 2 weeks ago they froze it again and have requested the same documentation already submitted, except now they will not acknowledge receipt of the documents and will not allow me to close my account. In XXXX I was able to email the documents and get confirmation of their receipt and validity within 2 days. Now they are asking me to fax the documents, which I did a week ago. I was told it would take 24-48 hours to review the docs and unfreeze my account. Today I'm being told it will take 7-14 days to review the docs and unfreeze my account. Each time I call I'm passed from one dept to another and back again and placed on hold for inordinate amounts of time between each transfer. I have spent over 4 hours on the phone in the past 6 days to no avail. I have asked to close the account so I can put my funds elsewhere, and they tell me I have to wait for the document review to be completed before they will close my account. It's like a " who's on first '' routine. These are the same documents sent and accepted in XXXX, and the same ones I faxed last week, but every day that I call the time to review is extended exponentially and I'm left without access to MY money. They have already received the documents and are now refusing to give me access to my money. I have attached the email chain from XXXX and on page 15 you'll see the confirmation of receipt and verification that the account was validated and no further action required on my part.
Consumer complaint received 2021-07-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (OK)

On XX/XX/2018 a collection account was opened for a debt that I was not notified of. The original debt was from XXXX XXXX XXXX The collection agency is IQ Data International. The current amount is {$1600.00}. I have disputed this as the debt is erroneous. I have taken this to court and won. Attached is a copy of the court record/judgment. Please help me get this removed from my credit report. IQ Data international has been nothing but rude and not helpful.
Consumer complaint received 2021-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (AZ)

On XXXX, Ally Financial closed an account I had after a vehicle under my name was repossessed. On XX/XX/XXXX, I settled with a company called XXXX XXXX XXXX XXXX, and a payment was made. I got a letter from XXXX XXXX XXXX stating that my debt was satisfied and I took no further action. 

On XX/XX/XXXX, I checked my credit and found that Ally Financial had not reported or updated the satisfied debt. My FICO credit score has been negatively impacted due to Ally Financial 's failure to report to the credit bureaus of the settled account. 

On XX/XX/XXXX, I contacted Ally Financial credit department to attempt and resolve my issue of them not reporting to the credit bureaus. I was transferred several times and no one seem to have the answer or how to go about fixing the problem. The only solution Ally Financial offered was to submit a dispute that was estimated to take up to 45 days. Why should I have to wait longer to have Ally Financial report the update longer after they had approximately two billing cycles to report it. Ultimately, they kept transferring me to the debt collection agency about the situation. XXXX XXXX XXXX confirmed that I had a zero dollar ( {$0.00} ) balance owed and claimed that Ally was notified approximately in XXXX of XXXX. 

Ally has not taken responsibility or actions to report to the credit bureaus after the account with them has been settled. Ally Financial has had plenty of time to report that their account was settled and my FICO score is paying the price.
Consumer complaint received 2020-09-23
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. (NY)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

Some time ago I sent a complaint to Experian about an account they are reporting on my credit. The account is a bankruptcy. I asked Experian where they got the information and their only response was they verified it. In reached out to the actual court and they provided me a letter saying they did not provide any information to any third party. Experian has refused to remove this from my credit dispite the fact they put it on my report illegally in the first place. They have violated my privacy and put my reputation at risk by reporting this information. I am demanding they remove it now. I'm attaching the MULTIPLE letters sent to Experian demanding they comply yet this information is still being reported. I am ready to take my grievance to court.
Consumer complaint received 2020-08-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (VA)

I did not request to open a checking acct ( acct # : XXXX ) with Citybank, nor an ATM card ( XXXX XXXX XXXX XXXX ). I have contacted City Bank since early XXXX to report this fraudulent account by phone, mail, etc. and followed up with City Bank a few times but never received any response from them. On XX/XX/XXXX, I just received another bank statement from City Bank and it seems that they still keep this illegal account under my identity. I need to know when and who opened the checking acct under my name, and why no one from Citybank ever contacted me and verified with me. 
I requested Citybank immediately cancel this fraud acct and ATM card. I want to let you know that I wont use your checking account service as I dont have a plan to do so. Please have an investigation to see who and how this happened and make sure it wont happen again that unauthorized request or activities to my Citybank account.
Consumer complaint received 2018-12-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I disputed this account with TransUnion file # XXXX and asked for the contract and i received a respond saying that this account is being reported accurate, This account is being reported to the credit agency by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX # XXXX, When contact XXXX they have no information or contract of this item. They gave a number to a agency that they say is handling this item as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wi XXXX # XXXX. When contact this company they said that they are not handling this item, Though it's being reported by XXXX XXXX XXXX on my credit report i will like this item to be removed because it is being reported fraudulentiy to the credit reporting agency.
Consumer complaint received 2018-12-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA ()

My original loan servicer ( XXXX ) closed, they didn't notify me of the closure, I was still paying on my loans through them. I filed taxes in XXXX and my taxes were offset, this is when I found out about XXXX closure. XXXX is reporting me 18 payments late, 'current status ' as 120+ days past due. 

XX/XX/XXXX they reported account as " okay '' XX/XX/XXXX they reported account as " 90 days past due '' I have sent disputes, tried calling, tried everything. This is stopping me from getting a home. can ANYONE help?
Consumer complaint received 2023-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

I am trying to get a refund of XXXX payments I made during Covid forbearance. When I call, I can not get through to a person and the answering machine says they are not open even though the call center doesn't close for XXXX more hours...
Consumer complaint received 2020-11-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK (FL)

I am the Guarantor of two student loans with Discover Bank, one dated XX/XX/XXXX, the other dated XX/XX/XXXX. We signed identical Notes for the two loans. Both are variable interest rate loans. From inception until XX/XX/XXXX, we received no information or correspondence on either of these loans either from Discover or any loan servicer ( if there was one ). Recently, the deferral period ended and Discover decided to contact us. We note that the current interest rate on one loan is 7 % and on the other is 11 %. We questioned this with Discover. Item I4 on the Promissory Note describes how the interest rate is calculated. However, Item I4 refers one to the Disclosure Statement. We have requested the Disclosure Statement from Discover and after many months, Discover informed us that they don't have it. We have no recollection of receiving it and indeed do not understand how loans with identical terms can have such different interest rates. We have another Discover Student Loan and the variable interest rate is 6.75 %, so it does appear that the 11 % interest rate is an anomaly. We are also prejudiced by the fact that Discover did not send us any information on these loans for 11 years, so we did not have the opportunity to contest the interest rate charged, or take other action, such as refinancing the loan at a lower interest rate with another lender. Discover can not justify the 11 % interest rate, but refuses to recalculate it.
Consumer complaint received 2020-02-05
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. (AR)

I decided to get my credit report pulled because every time I kept applying for credit cards I would get denied. To the best of my knowledge I have always paid my bills on time. There are several items on my report that need to be removed. Can you please remove these items from my report. 

12 XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$4100.00} XXXX XXXX  XXXX {$240.00} XXXX XXXX  XXXX {$440.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX  XXXX  XXXX {$460.00} XXXX XXXX  XXXX  XXXX {$240.00} XXXX  XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX  XXXX {$460.00} XXXX  XXXX  XXXX {$510.00} XXXX XXXX XXXX  XXXX  XXXX {$240.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX  XXXX  XXXX
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

On XX/XX/XXXX I mailed out my dispute with all three consumer reporting agencies as well as XXXX XXXX XXXX. 

To whom it may concern, My rights as a federally protected consumer are being violated by XXXX XXXX XXXX XXXX, XXXX, Experian and XXXX by reporting late payments on my monthly consumer credit report. XXXX XXXX XXXX XXXX and the above consumer reporting agencies did not disclose information to me on how to, or to give me opportunity to Opt Out before sharing or disclosing my personally identifiable financial information.

Privacy Act of 1974 provides safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices. '' 15 U.S.C. 1681 Congressional findings and statement of purpose ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Nonpublic personal information : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution.

16 CFR 313.3 Definitions ( o ) ( 1 ) Personally identifiable financial information means any information : ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information.

16 CFR 313.7 ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.

Per FCRA 15 U.S. Code 6802, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you, past, present, future, written, unwritten, verbal, and nonverbal, to disclose any payment history information.

Please remove the reporting of my payment history, Late payments are payment history and personally identifiable financial information.

Thank you for your prompt attention to this matter
Consumer complaint received 2022-03-21
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. (SC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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 2022-03-21
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: SYNCHRONY FINANCIAL (NC)

According to Synchrony Bank ( The Sams CluXXXX Card ), I opened a charge card on XXXX/XXXX/XXXX. I do not dispute this. However, at the time, I was given a temporary shopping pass and no physical card since this card was opened in the store. Somehow this card then had a balance of {$110.00} as of that date, with a scheduled payment of {$29.00}. Even though I did not physically have the card in order to use it, the balance then went up to {$140.00}, {$190.00}, etc. I had attempted to contact Synchrony Bank customer service on two separate occasions to obtain the physical card and obtain information about the account, but they denied to give me any information without me providing my card number. I am not sure how to provide them with the account or card number without the physical card. I then requested at the customer service desk in-store to be provided with this card. 
Apparently, there have been charges made on the card, even though I never had physical possession of the card. I am not sure how this is possible. The payment due amounts seem frivolous and made up. It is possible another person had been using this card, but more than likely it seems that synchrony bank made a mistake. 
On XX/XX/XXXX, I contacted Synchrony Bank to obtain information about this account after learning it was reported to the credit bureau and I was attempting to get a mortgage. I explained my situation, expecting to be able to place a fraud report. However, they refused to provide me ANY information about the account, stating that the debt was sold to another company. They stated that they have " no information regarding the account anymore. '' I requested a verification letter and was told multiple times that this was " not possible ''. 
If this is the case, how are they reporting it to the credit bureau? I then attempted to contact the place they sold the debt to. Apparently, they have no information regarding this debt either. However, it is very convenient that they are able to " verify the debt '' to the credit bureaus but are barring me from disputing that this is actually my debt at all. This is violating my rights and a blatant attempt at avoiding taking responsibility for their own mistake. The debt was sold to XXXX XXXX, yet I have never had any notice of this and was never contacted by them.
Consumer complaint received 2022-07-18
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)

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (IL)

I have called Barclay several times to remove the balance and update the status of this account. I need this account removed from my credit report right away. I had my check garnished for the balance owed and my employer and myself have verified that the account was paid in full. This account was used by my X fianc and yet I had to suffer it the balance alone, In good faith i paid it and now Barclay has not honored their own agreement and reported the information accurately to reflect my diligence.

I'm asking that they remove this from all of my credit reports completely.

I have documents from Barclay that verify my {$0.00} balance, it shows in their own system that my employer sent the documents to them last year, and that I've called numerous times to solicit their help to resolve this matter.