davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I HAVE ASKED ALL THREE CREDIT BUREAUS FOR A THOROUGH INVESTIGATION OF MY CREDIT REPORTS AND THEY ARE STILL REPORTINTG INACCURACIES. 

I HAVE RIGHTS UNDERTHE ROSENTHAL ACT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTINTG ACT, XXXX ( XXXX ) ( ACCT # XXXX, XXXX XXXX XXXX, {$12000.00} ), ( ACCT # XXXX, XXXX, $ XXXX A SCAM AND HAS BEEN ADDING INTEREST DAILY ; REPORTED TO FTC ) XXXX ( ACCT # XXXX, XXXX XXXX, {$5500.00} ), ( ACCT # XXXX, XXXX XXXX XXXX {$4800.00} ) AND AN UNKNOWN ( ACCT # XXXX, ORIGINAL CREDITOR, {$230.00} ) HAVE VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I HAVE SUBMITTED A COPY OF MY FTC IDENTITY THEFT REPORT AND NOTORIZED POLICE REPORT TO EACH BUREAU IN 2019 TO NO AVAIL.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have been working with all 3 bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my XXXX with my processing.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have been working with all 3 bureaus in disputing credit report balances that either are closed and have been reopened by the collection agencies or medical bills that the hospital wrote off as charity due to no insurance or not able to pay. 

Ive been disputing for over 2 years and last year during XXXX XXXX and just tonight. Some bureaus have them off and others do not. This is affecting my application for my MLO with my processing.
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MD)

I applied for a credit card in XXXX with Sears at their location in XXXX XXXX, Maryland, address XXXX XXXX, XXXX, XXXX, MD XXXX. I used the card to make a small purchase because it provided a discount. The purchase left me with a balance of {$33.00} on the credit line. Because I used the credit line before the card was issued and mailed, I was not able to pay the balance right away, but ten days later I returned to the store and went through a store attendant to pay the balance on my card. I paid with {$40.00} in cash. I have recently received a statement in the mail claiming that my balance was never paid, and there is now a late charge of {$27.00} and a minimum interest charge of {$2.00} in addition to the remaining balance. In order to rectify this, I request that the Sears credit card company negate my owed balance and work with you to investigate the location. That address again is Sears, XXXX, XXXX, MD XXXX.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (AL)

Over the last 4 months, XX/XX/2021, I've been trying to persuade Experian to re-insert and keep reporting two of my credit cards. They said that a notification was sent from XXXX about fraudulent activity, but XXXX still reporting my accounts as of today. 

XXXX PURPOSELY DELETED TWO OF MY CREDIT CARDS ACCOUNT WITHOUT MY CONSENT OR AUTHORIZATION. I SPOKE TO BOTH CREDITORS, XXXX XXXX XXXX XXXXXXXX AND XXXX XXXX XXXX AND THEY BOTH DENIED ANY WRONGDOING OR MISCOMMUNICATION WITH THE CREDIT BUREAU. UNEXPLICABLY, XXXX DECIDED TO DELETE THESE TWO ACCOUNTS, IN ORDER NOT TO HELP MY CREDIT RATINGS OR SCORE. THIS HAS BEEN A CONSTANT FIGHT AND ORDEAL, FOR ME TO BE ABLE TO MAKE THIS BUROCRAT CREDIT REPORT ACCURATE INFORMATION, FOR MORE THAN 6 MONTHS NOW. I HAVE NEVER SAID THESE ACCOUNTS WERE NOT MINE. WHAT I DISPUTED WAS THE BALANCES AND INNACURACIES THAT WERE BEING REPORTED.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I got reported of late payment and I wasnt at all I attached a document showing a payment deferral agreement in the same time they report the late payment. The creditor is XXXX.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sterling Infosystems Inc. (TX)

XX/XX/XXXX I was notified by Sterling with an email showing me my background report that was shared with perspective employer. I was alarmed to see that they had shared information dating back from a XXXX XXXX that I was discharged from XXXXXXXX for in XXXX. 

When I called and asked them why did they share my complete history when Texas laws protects me from this form of reporting, I was told that the Fair Reporting Act allows them to share my entire credit history. 

On the employer application I did not explain anything more than 7 years ago and this impacts my ability to now give an explanation and makes me appear as though I was hiding this. This may impact there decision negatively in my hiring process and even if I do get the job, I am embarrassed, ashamed, and feeling exposed to negative views of me after having a solid interview and immediate job offer this is not how I want to enter a new company. 

I would like help getting all this figured out. 


Respectfully, XXXX XXXX XXXX
Consumer complaint received 2020-02-11
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CT)

I was an applicant on a synchrony bank revolving account XX/XX/2019 and they marked me late and dropped my limit because of nonpayment by another applicant on the debt, they never once reached out to me in anyway to let me know that the account was late. Once I found out the account was late, via a credit report, I called them immediately and paid past due charges and took over the debt entirely. If a company can hurt somebodys credit so badly and affect their lives, they should call that person and let them know a payment is late. Mortgage companies and many others make that call every month if somethings late.
Consumer complaint received 2017-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

I opened a Citibank Checking account online on XXXX/XXXX/XXXX and was approved on XXXX/XXXX/XXXX. I waited weeks to receive the debit card but never did. I called Citibank customer service and finally got the card around a month after account opening. Because I received the card late, I went to Citi 's website and secured messaged Citibank on XXXX/XXXX/XXXX to confirm my promotion of XXXX AA miles and when the required actions needed to be completed by. In the response I received, the customer representative said " no later than XXXX/XXXX/XXXX '' for the AAdvantage bonus miles to be credited. Because of this information, I completed the requirement on XXXX/XXXX/XXXX. When I secured message Citibank again to confirm the bonus was met, they replied now telling me I did not meet the requirement deadline as it was XXXX/XXXX/XXXX, contrary to what I was initially told. When I replied back telling them I was given incorrect information from the original customer rep and that caused me to missed the deadline because of Citibank 's error, they acknowledged the error and apologized I was given the incorrect day in the previous message but would not make an exception to give me the XXXX AA bonus miles. I replied to escalate the matter and have a supervisor make a claim for it since it was Citibank 's error that caused me to miss the deadline. But was told no.
Consumer complaint received 2016-04-01
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (CA)

I am getting 3-4 phone calls per day in the last 2 months from Bloomingdales credit agency for our account we continualy explain over and over again that I am out of work no money coming in anymore, until then we will send a payment in the next month hoping I return to work. But they now continue to 3-4 times per day we answer the phone and nobody responds on the other end. I had warned them that 's harassment but they did not respond to my concern about there calls to us. thank you for your help in this matter XXXX
Consumer complaint received 2020-02-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

I saw an account with LVNV funding on my credit report. I do not know who that is. I have written them several times and disputed with the credit bureaus. They have not responded to me in writing as I have asked. Instead they have just continued to threaten me with a lawsuit via phone calls repeatedly at work. I am so tired of this. PLEASE HELP ME
Consumer complaint received 2016-08-22
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Santander Consumer USA Holdings Inc. (CA)

Someone who has been harassing me was able to get my final balance owed on my auto loan, to use against me. 

My mother also called and was able to get right through with minimal verification ( as a test ). I am absolutely going to pursue legal action against Santander consumer USA for their lax privacy and clear disregard for consumer privacy.
Consumer complaint received 2022-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WI)

I have been complaining about the deceptive practices of Navient student loans for years and each time I file a complaint which goes straight back to Navient, they give me some bogus explanation which I do not understand at all. I have been carrying student loan debt since 1987, and I will probably be dead long before these loans are ever paid. At the present time, Navient has me in a repayment plan where I pay {$0.00} every month because of my low income. But they charge over {$500.00} a month in interest.. 
So, for a two year Associate Degree, I owe over {$110000.00}. I am almost XXXX years old, I recently had XXXX XXXX and now I have to work from home because XXXX treatments affected my bones and I can't walk very well. It seems like Navient could have done better than this ... given me more information on repayment plans, given me some sort of break on their high interest charges ... .Navient garnished my income tax refund for seven years and I still owe well over {$110000.00} ... .seems like a rip off ....
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Hello, I did not make these charges. I thought it looked like my balance was low. I haven't bought anything so expensive. I didn't use hotels.com. I don't have fitness membership. I don't know XXXX XXXX. I have the card right now. I'm sorry I am taken aback by this. 

XX/XX/XXXX XXXX XXXX XXXX  Purchase - {$1000.00} XX/XX/XXXX XXXX XXXX LA XXXX - {$200.00} XX/XX/XXXX XXXX XXXX - {$1000.00} XX/XX/1924 XXXX XXXX XXXX  - {$110.00} I couldn't find anyway to contact them so I must complain like this.
Consumer complaint received 2019-11-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (TX)

I applied a XXXX XXXX XXXX on American Express which said there's a {$220.00} welcome offer through my friend 's refer link. And I know it is XXXX according to the public offer. So I apply the card through the link. When I finish the application there's a notification pops up said that the offer may not applied to me but further credit checking is needed. I assumed that maybe the banker need to check my credit history and change the amount of the offer which I'm also OK with it. So I click the " accept '' and wait the checking. However, when I received the card they told me there's no welcome offer eligible on my application because multiple factors like credit history, number of accounts open and closed recently or if I had the same card before. However I have never missed any payment on all my accounts which gives me a good credit score. I have never had this card before. And this is my 2nd or 3rd card at most in 12 months and 5th in 24 months. They even can't explain to me about what is the reason. However they said the offer needs more checking in the following process.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My identity has been compromised. I found out because I received so many calls from debt collectors about unpaid medical bills. I was so confused. I pulled my credit report and saw items on my report that I have never seen. These accounts are not mine. Please remove them from my report.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

Once again the crooked lawbreaking XXXX XXXX XXXX has once again left the last payment date off off of my credit file with equifax and XXXX, Thus violating the law and still throwing my unlawful XXXX around like its okay And they have medical in the remarks of one and not the other, they have junk data hows it con a say Consumer disputes reinvestigation in progress Account previously in dispute - Now resolved by data furnisher That is redundant and its junk data! 
The furnisher hasnt resolved a XXXX thing but a bunch of violations hes gon na pay me well for, inconsistent data, it never fails. And then on the other one, it says XXXXXXXX XXXX previously in dispute - Now resolved by data furnisher lol/ I consistent, unfair! XXXX 




Hope you got your checkbook ready cause the federal complaints are being drafted now, you scored good! 

See you later?
Consumer complaint received 2022-01-26
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: UNITED BANKSHARES, INC. (NC)

While My wife and I were trying to make an offer to buy a XXXX at XXXX XXXX of South Carolina. Our realtor advised us to get a mortgage pre-qualification letter from a lender. He recommended United bank to get the mortgage from so weve filled an application on XX/XX/2022. The bank sent us an email to inform that our loan was denied due to low credit score of XXXX. 
I asked for the credit report to see our overall score which were XXXX, XXXX, XXXX for my wife and XXXX. XXXX for myself. 
I communicated with XXXX XXXX and XXXX XXXX from United bank to explain that my XXXX refused to pay some of my medical lab bills therefore the small debit amount appeared on my credit report. I informed the bank that I am willing to pay that debit if the bank will reconsider evaluating my loan application accordingly. For fairness the lender shouldnt take the lowest score out of five scores as a reason to deny our loan and kill our dream to buy the condo. 
We believe the Gentlemen did not promote the equal lending opportunity act. 
Attached some of our correspondence email
Consumer complaint received 2024-04-12
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: Experian Information Solutions Inc. (MI)

Hello, I am sending this due to the violations towards this company. This company has ignored my consumer rights and laws for years. I wanted to give up but I have to keep fighting. 

I explained the information on the Bankruptcy they are reporting is inaccurate. They respond is we will not investigate anymore or send back verified. 

When I told them about their lies. Now all they do is ignore me or just computer generate verified They has damaged my credit report by lieing on third parties. 

I want their Method of Verification from all parties they verified this information is correct.

Names Phone numbers Addresses After all this investigation laws I have followed are. Other times I have placed a complaint was on 2022 and 3/11/2024 15 U.S.C 1681 ( b ) permissible purpose of consumers reports 15 U.S.C. 1681 ( T ) relation to state law 15 U.S.C 1692 ( E ) false or misleading representations These laws mean some I need answers and fast answers to why they have not followed the The StatuteThe specific section of the FDCPA at issue is 15 U.S.C. 1692c ( b ). In this section, the FDCPA sets forth who a debt collector can communicate with in connection with the collection of a debt without the consumer 's consent. 

Experian
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I was XXXX  in the XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. My information was used to establish these accounts by way of FRAUD! I have filed disputes with all 3 Credit Bureaus and contacted the creditors listed below. 1 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$27000.00} 2 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2100.00} 3 ) XXXX XXXX XXXX Account # XXXX Opened on XX/XX/XXXX With a balance of {$1600.00} 4 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$2500.00} 5 ) XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a past due balance of {$820.00} 6 ) XXXX XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$18000.00} 7 ) XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$37.00} and a past due balance of {$32.00} 8 ) XXXX XXXX XXXX : Account # XXXX Opened on XX/XX/XXXX With a balance of {$280.00} 9 ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Opened on XX/XX/XXXX With a balance of {$3500.00}
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (RI)

I was alerted a couple days ago by both my XXXX credit card application, as well as XXXX financial application that a new account had been opened on my behalf. It looks like someone had applied for a credit card to the XXXX XXXX department stores. I have not applied for a credit card since I had received my XXXX credit card. I have attached both the email from XXXX as well as screenshots from the XXXX application for for the reference.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

on XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.