davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OR)

I am filing a legal suit against XXXX and Equifax because they dumped my credit record after a period of no activity, then improperly restored records with a " reported date '' that negatively affected my ability to qualify for a conventional mortgage loan. I need to know how long they are required to maintain consumer credit records.
Consumer complaint received 2018-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MA)

The company " XXXX XXXXk '' for XXXX XXXX, sent me a bill as stated in my previous complaint after I paid my balance in full. They billed me for interest charges on a XXXX dollar balance. They stated in their response to the consumer protection bureau that as a " courtesy '' they would reverse the erroneous charges and remove the inaccurate date from my credit report, which was a lie. They did not remove anything from my credit report ; and to add insult to injury, they are now trying to bill me almost double the original amount. I received a bill for {$71.00}. Please investigate. This company is unethical and engaging in fraudulent business practices.
Consumer complaint received 2022-10-25
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!
Consumer complaint received 2022-04-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY (NJ)

I received a letter from XXXX, XXXX XXXX XXXX XXXX. stating they entered a judgement against me for a Target account that I paid years ago. The never notified me of this ever but in the letter it starts off saying " As you are aware, a judgment was previously entered again me '' No, I am not aware because I dont owe Target anymore and if I did, shouldnt I have been made aware of someone trying to sue me?
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (IL)

I recently applied for an American Express XXXX card but my application was declined because American Express cancelled your previous account ( s ). 

The cancellation did occur, but it was so long ago that it has fallen off my credit reporting and is no longer meaningfully relevant to my credit history. I called Amex to clarify when I might be eligible to be approved for another account. The representative was not able to provide this information. I asked how long this blacklist lasted. The representative could not respond. 

Im not providing information to me, American Express is not being clear and transparent with its credit approval policies and is not giving me the opportunity to redress past concerns which might be adversely affecting my credit availability.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (TX)

Since XX/XX/2007 XXXX XXXX and Equifax have fraudulently aggressively stolen my ID .I can not retrieve my XXXX credit re po RS It does not let me dispute anything and it constantly has technical issues wants to charge me to view my info
Consumer complaint received 2021-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Crossroads Systems Inc. (IL)

I have applied with XXXX XXXX to receive a ppp loan i was approved and signed my documents from the SBA with a loan number on XX/XX/XXXX. i was told i would be funded within 10 business days. it is now going on over a month since i signed. i was told at first i didnt need any type of verifcation questions nor did i need to submit my license again or anything and that i was all set. Now i dont get status updates from XXXX their reps when i try to get a response, just copy and paste and dont even let me ask a question. When i ask them what i need i get different answers each time. one told me i need to submit my license even though i already did at first. then i was told i was funded and to check with my bank. then a few days later i was told i needed to upload and send my license on the portal but i dont have access to it. then i was told to submit tickets and i submitted one everyday for 2 weeks and i havent heard anything back yet. i cant get update texts because the link doesnt work. i gave them my info and now i feel like they have committed fraud.
Consumer complaint received 2022-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-26
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. (CA)

I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life. The most recent certified letter I sent was XX/XX/2023 In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 



15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2022-04-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (CA)

On XX/XX/XXXX I purchased a Vanilla VISA gift card in the amount of {$400.00}. On XX/XX/XXXX the gift card was used for the first time and did not go through. Went online to check the balance and called customer services but was told there was only {$5.00} left on the card. The Vanilla VISA gift card was hacked and wiped out. I filed a dispute package on XX/XX/XXXX with information requested to XXXX as instructed. I received a confirmation of receipt ( with incorrect last name ). I was told to wait up to 90 days for resolution and I would be contacted by email. On XX/XX/XXXX I sent an email asking for results since I had not heard back from anyone and it had been 90 days. I received no response. I called customer services at XXXX and was told that there was still no results and to wait another 30 days for update, even though it had been over 90 days already. On XX/XX/XXXX, I was told there were still no updates and to wait for an email within 72 hours. I mentioned to them that they had my last name incorrect and I was told they would fix it. 72 hours came and I still had not received a response. I called again, at this point the process is extremely frustrating, the representative told me that there was still no update and I asked for a supervisor. The supervisor stated that they did indeed found that there was fraud and a replacement VISA gift card was mailed to my home on XX/XX/XXXX. On XX/XX/XXXX I called stating I had not received my card in the mail. The rep stated there were no updates on my dispute ( was I lied to? ) and to wait 72 hours for an email/update. 72 hours came and still no update. I called again on XX/XX/XXXX and again, they tell me there is no update nor know anything about my replacement card. I asked to speak to a supervisor and they stated that the gift card was mailed on XX/XX/XXXX and I now have to wait until XX/XX/XXXX to call back again for an update. This is a joke.
Consumer complaint received 2016-09-14
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Midwest Recovery Systems (MO)

On XX/XX/XXXX XXXX ; Amount {$800.00}, totaling {$1200.00}, appear on my credit report. I filed Bankruptcy on this XXXX/XXXX/XXXX. The case number is # XXXX and it was XXXX on XXXX/XXXX/XXXX .It has been 7 years and they 're trying to collect on this. I want this removed from my credit report.
Consumer complaint received 2022-10-25
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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
Consumer complaint received 2023-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kornerstone Credit,  LLC. (NY)

Company name : XXXX XXXX XXXX ( Original Creditor : KORNERSTONE CREDIT ) Date account open : XX/XX/2022 Amount {$1900.00} I was reviewing my Credit report and noticed a fraudulent account that was on my credit report. I called the number that was on the report regarding the account and asked them if they could remove it from my account due to it being a fraudulent account. They stated this is your account. I asked them for the original contract. Within days of me asking for the contact. I received phone calls asking how I want to pay for this balance. I then notified them agian the account is a fraudulent account and the signature on the contract wasnt mine, and i never open this account. Can they remove this from my credit report cause this fraudulent account Is affecting my ability to buy my dream home.
Consumer complaint received 2022-04-11
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: Atlanticus Services Corporation (FL)

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX  - Inquiry XXXX XXXX XXXX - Inquiry XXXX XXXX XXXX XXXX Inquiry 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 2021-05-15
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc. (IL)

I am following up with my complaint from XX/XX/2021. I emailed the documents to Avant Credit to three different departments. I have uploaded what was requested. I was verbally notified that I received an email to upload photos and that is as true as the two time mail correspondence from last year. I did not receive any of the claimed mail or email.
Consumer complaint received 2021-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

Since 2007 Experian XXXX  and XXXX  have fraudulently aggressively stolen my ID .I can not retrieve my Experian credit re po RS It does not let me dispute anything and it constantly has technical issues wants to charge me to view my info
Consumer complaint received 2017-06-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

Navient claims that I have loans owed to them through University XXXX XXXX XXXX in 2007, which is false and I have all the documents that support that I never used FA for University XXXX XXXX XXXX it was through my work, and I attended that school way after that year. When I sent a letter to them explaining the incorrect information. They still sent another letter saying that this is for University XXXX XXXX XXXX. After numerous attempts to resolve this false claim, they sent notification that it was University XXXX XXXX. This lender has no idea what they are doing and are not even sure which school I went to. They have my balance at over {$32000.00} now, but I am not even sure this is true. When I called the first time, the representative had no idea what school and she was unable to answer me at all.
Consumer complaint received 2021-05-15
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. (PA)

Again with Transunion, my balances decreased, and two collections that did not belong to me were removed, so they DECREASED my credit score. This is totally backwards and keeps happening!! 
I will attach the screen shot showing results of dispute, and where my credit card balances decreased, thus should be INCREASING my score ...
Consumer complaint received 2021-05-15
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: PENNYMAC LOAN SERVICES, LLC. (CA)

Hello, I was affected by the worldwide pandemic and I filed for a pandemic deferment with my mortgage company PENNYMAC LOAN SERVICES L for XX/XX/2020 and for XX/XX/2020. My deferments were approved by my lender however the payments for XX/XX/2020 and XX/XX/2020 are being reported late which is severely affecting my credit score with all three major bureaus. Please help!
Consumer complaint received 2022-04-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

I asked Citizens Bank XXXX XXXX XXXX team to assist me with a large international wire on the phone to assure it was done correctly. The bank agent missed a few steps and the wire ( XXXX XXXX ) went out in pounds ( XXXX XXXX ) instead of us dollars. Citizens management informed me to recall the funds but never informed me of a {XXXX} penalty. Citizens took my money and recalled the difference to my account. I have on recorded calls several request asking them to inform me of any penalties. I am loyal customer, I have five or six checking accounts, multiple savings accounts, business accounts, my mortgage and home equity and feel like I have no advocate helping resolve this issue. I have pushed this to the Office of the Chair but have not hear back from them. This was unfair and no one person can explain to me the XXXX fee. There is no advocate for me and I was even more upset when the Office of the Chair called to hear my side of the story but then quickly informed me the decision to charge me XXXX was done. Hi investigation of this matter was incomplete to begin with but why ask then inform me of your decision.
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IA)

My XXXX statement from Bank of America included three charges I did not make all to the same XXXX. XX/XX/XXXX for {$1800.00}, XX/XX/XXXX for {$20.00} and XXXX for {$5200.00}. I consulted them and they took the information. That was XX/XX/XXXX. XX/XX/XXXX I received a letter saying these activities are consistent with my normal activities. I have never used this company before! They added the amounts back on my account and asked for payment. 

I contacted the phone number on the transaction for XXXX on the transaction XXXX only to get a recording and no one to talk to. When I needed the call the note at the top of my phone said fraud XXXX. 

I also found out that Bank of America has a XXXX liability policy. I want the charges removed from my bill
Consumer complaint received 2022-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the Fair Credit Reporting act 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 2019-01-15
Product: Credit card or prepaid 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. (CA)

On XX/XX/2018, I paid online for a scooter from a company called XXXX XXXX based in XXXX. I used my Citibank credit card thinking that the advertised purchase protections would cover my back if the merchant was dishonest. The purchase amount was over {$1500.00}. After making the purchase the company tried to upsell me and I refused and asked for a refund since the merchant refused to ship the product to me. They indicated they would issue the refund on XX/XX/2018 but never did. I contacted Citi on XX/XX/2018 to handle the situation. They provided a temporary credit. After waiting almost two months, Citi sent me an email on XX/XX/2018 indicating that there was a letter for me to review. The email made no indication that I had to provide anything. I logged into their website and downloaded the letter which was a letter from the merchant asking their bank ( not Citibank ) to not charge additional fees on top of the chargeback that Citibank instituted. The merchant did not contradict any of my claims and further indicated a desire to issue a refund. Although Citibank 's message to me did not indicate a need to respond, apparently they prepared a second letter, that was not clear from the message, that requested I provide a signed letter in response to the merchant 's message even though the merchant agreed with my claims. They provided no guidance as to what should be in the letter since the merchant was agreeing with me. Citibank gave me only one week to respond and I didn't know I had to respond at all since no additional information was requested. The next month Citibank reversed the credit and left me with a {$1500.00} charge and no product. I called to inquire and they said my time for a dispute had expired and there is nothing they can do. They were the ones that chewed up all the time and yet I'm stuck with no product and a large charge. I complained that their communication to me did not indicate a need to respond since the merchant agreed with my claims. They proceeded to hide behind statements of policy and tried to blame Visa for the restrictions. But Visa didn't take a month to respond. Even though Citibank claimed to have " investigators '' looking into the issue, they didn't investigate anything that resulted in my getting my money back. 



Their claim to have purchase protections for consumers is simply false. I had a problem with a chargeback with XXXX XXXX a few years back and it was amazingly simple to do and resolve. But Citibank seems to want to cloud the issue with inaccurate stories and claims of restrictions on what they can handle. They shouldn't advertise purchase protections and then run the clock out just so they can claim the time period is expired.