davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-02
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 recently received a copy of my ( Experian and XXXX ) consumer credit report, and I noticed some late payments posted on my consumer credit report : XXXX XXXX accounts with late payments along with their account numbers XXXX. Reinsertion Of previously deleted FRAUDULENT Inaccurate/invalidated account. 

XXXX XXXX, Experian and XXXX is in the clear violation of the law. Under 15USC 1681- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instruction of the consumer to whom it relates. 

Did I give you written instructions to furnish this on my credit report? 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) Exclusions. Except as provided in paragraph ( XXXX ), the term consumer report does not include -- -- ( A ) Subject to section 1681s-3 of this title, any -- -- ( i ) report containing information solely as to transactions experiences between the consumer and the person making the report. 

I demand XXXX XXXX to delete the account from my consumer credit report or I will seek litigation. XXXX XXXX is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above references account, and send a copy of my report after the changes have been made will result in legal actions bring taken against your XXXX XXXX, Experian and XXXX, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692 violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil Liability for willful noncompliance [ 15 USC 1681n ]. 

I demand you to delete this account from my consumer credit report or I will seek litigation.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I opened a checking account at Citibank with {$200.00} promotion. The account was opened on XX/XX/XXXX at a Citibank branch. The personal banker who helped me and my wife opened the accounts is XXXX XXXX. Her signature is as follow : Personal Banker XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX did assure me that the offer was on the account and that I would receive the bonus as long as I deposit {$5000.00} and maintain it for 60 days which I did back in XX/XX/XXXX. According to Citi Chat Team member XXXX, The 60 days requirement was completed on XX/XX/XXXX and that the bonus should have been in my account no later than 90 days after that date, which was XX/XX/XXXX. I reached out to Citi Chat Help again opened a case for the issue to be researched further. The case number is XXXX. I finally received a correspondence from Citibank claiming there was no bonus in conjunction with the account and that they won't deposit the {$200.00}! I will be uploading the following documents : 1.Chat with Citi reps confirming I met the requirements and I would get the bonus 2. Screenshot of promotion from Citibank 3. Email from Citi XXXX XXXX
Consumer complaint received 2024-03-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TN)

1. **Loan Details** : - Loan Amount : ** $ XXXX - Initial Deposit ( XX/XX/2023 ) : ** $ XXXX - Subsequent Deposits : - XX/XX/XXXX : ** $ XXXX - XX/XX/2023 : ** $ XXXX XXXX. XXXX XXXX XXXX : - Title Bucks claims the total loan amount is ** $ XXXX. 

3. **Payoff Information** : - Payoff Amount : ** $ XXXX - Principal Payment : ** $ XXXX - Interest : ** $ XXXX XXXX. **Payment Schedule and Communication** : - Title Bucks refuses to provide a balance payoff or schedule payments until the middle of the month. 
- Management urged you to hurry up and pay, even asking if you had a tax return to use for payoff. 

Payments Detail YTD {$2400.00}
Consumer complaint received 2022-02-02
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: HCFS Healthcare Financial Services of TeamHealth (GA)

I am submitting this compliant on my own. There is no third party involved. I have sent numerous letters to XXXX, XXXX, and XXXX informing them that I am a victim of identity theft. Someone opened a credit card, got medical service, and a loan under my SSN. They also made fraudlent inquiries on my report as well. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything i did. XXXX unaware of any of this. I'm asking XXXX, XXXX, and XXXX to Please remove this information from my consumer report under 15 U.S.C. 1681c-2. This is really hurting my reputation and effecting my ability to get a new job and home. I filed an FTC report. Please see attached.
Consumer complaint received 2018-05-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc. (DC)

On XX/XX/XXXX I contacted Santander Consumer USA to discuss errors on my credit report. In XX/XX/XXXX I was injured in a life threatening accident that has left me XXXX XXXXXXXX. When able I contacted Santander ( as well as my other creditors ) to inform them of severity of my injuries. I spent the first 2 years of recovery hospitalized and then moved into XXXX XXXX. Santander was very responsive at the time. At the time they agreed to close and settle my account with the proceeds from the sale of my automobile. Santander was to send me an account history and a debt settlement letter for my records. The car remained parked at my house whilst I was hospitalized. They would retrieve it later.

Recently, I when looking at a credit app I noticed that the account was not closed and it was actually being re-aged with a new closure date of XX/XX/XXXX. I contacted Santander right away. Unfortunately their customer service agents have been difficult to deal with. The notes in their system are only half complete. Their phone records log my call and that I requested payment of account information in writing be sent to me. However, the information recorded as to the exact documents sent is sparse according to Santander. I have asked that they pull phone recordings from my call but they seem not to have retained it.

Upon suggestion, I escalated my calls to the Office of the President/Consumer Affairs. I have spoken directly with Dept Supervisor XXXX XXXX who was unable to help but also made it very difficult by attempting to close out my complaint several times. Then I spoke directly with VP XXXX XXXX. Its been a month since I spoke with him. I have left messages with XXXX XXXX or a secretary 2/3x per week since. XXXX said that he would return my call after investigating. He has never called. On Monday XX/XX/XXXX, after a full month of waiting I was passed to XXXX in Legal Affairs. XXXX assured me he would speak to XXXX and call me today on Wednesday. The day has come and gone and I have heard nothing. I have made over 50 calls in the last month trying to resolve this issue.
Consumer complaint received 2021-06-10
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: TD BANK US HOLDING COMPANY (SC)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-12-13
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. (WA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I have never encountered such creditors in the past, never did business with them..Please remove the accounts asap XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-03-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (SD)

About to go along with my last name with Capital One they charged off and wrote off my loan after Im assuming repo in my vehicle without allowing me arbitration no correspondence nothing even though Ive tried talking to him several occasions but they charged it off never received a 1099 I requested it One so I would be with the law and the policy for federal guidelines or any of that guidelines when they charge off my credit cards charge off and not once have I Received a 1099 for
Consumer complaint received 2022-02-17
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: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Identity Theft XXXXN Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Consumer complaint received 2022-02-17
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. (AZ)

I opened an Experian dispute for my XXXX account balance not being reported correctly. The creditor was not honest during the dispute investigation and has refused to update my account balance with Experian for over XXXX days. The creditor has been reporting the wrong account balance for several months since the loan was awarded in late XX/XX/XXXX. According to my online account information, I have a zero balance. Because, of the last payment received by the creditor in late XX/XX/XXXX in the amount of {$3500.00}.
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (IN)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last XXXX of XXXX : XXXX LexisNexis Risk Solutions Consumer Center Attn : Security Freeze XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am requesting the immediate unfreezing of my credit file. 

My name is XXXX XXXX My current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX The last of digits of my Social Number is XXXX My date of birth is on XX/XX/XXXX I have enclosed photocopies of a government-issued identity card AND proof of residence as a utility bill or phone bill. 
Attached is the required documentation. 

I acknowledge the terms and conditions of the Bureau and we agree to abide by the same including any amendments in the future as may be done at your end. 

I am looking forward to your cooperation regarding this matter and updating the same intimate upon change. 


Yours truly, XXXX XXXX
Consumer complaint received 2020-07-27
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)

My identity has been compromised. I found out because XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2020-07-27
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 XXXX  XXXX  sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report.
Consumer complaint received 2018-12-13
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. (WA)

I'm filing this complaint for you to reverse the late payments reporting on XXXX  XXXX XXXX  XXXX the account is also reported duplicate. The account was not paid late. I always sent the payments a day before the due date so it's impossible that the account is a past due
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

I purchased my dog on XX/XX/XXXX from XXXX Bank since then I have been paying my monthly statements on time and in full. As of yesterday, XX/XX/XXXX I received a credit monitoring alert stating I was over my credit limit by {$260.00} with above creditor and reported to XXXX. My credit plunged by XXXX points. I immediately called the creditor and they advised I was on a " promotion plan '' and if the account was not paid in full by XX/XX/XXXX I would be charged additional interest. They increased my account from {$4700.00} to now {$6500.00}. There was a small box stating my plan would expire and be charged if not paid in full. I was unaware of any of these charges and how what the amount would be. When I called yesterday the Agent said there was nothing they could do since it was on my statement. 
I called in XXXX about this little box and the Agent advised I would be charged an additional max of {$70.00} to XXXX per month. NOT total interest for a year of {$1800.00}. 
As a consumer I feel this should have been explained to me back in XXXX or XXXX so I could have other options. I paid the {$260.00} today, although not due until XX/XX/XXXX. 
I feel a detailed letter should have been sent prior to the creditor reporting my account over the limit. Unjustified.
Consumer complaint received 2022-02-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC (MS)

I lost my job due to COVID and feel on hard times. I had money saved and offered a settlement. I was told if paid the account for a full year the would negotiate the settlement for less the balance was paid down a good bit. The car was not was not work and Prestige was aware of this. However I did my best. The gave them every dime I had because I was told they would do a settlement next year. When that time came the denied a settlement and wanted the remaining balance for a nonfunctional car that I paid for twice. I have corresponding emails that verify these communications. I was taken advantage of financially and emotionally. COVID was a stressful time for me. I gave Prestige all the money I had and was lied to for them to get it. Prestige had no intent to settle nor allow me to keep the car. The loan is subprime and they are practicing predatory lending during a crisis. They have breached their agreement to settle for a reasonable amount.
Consumer complaint received 2022-02-17
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)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2022-02-17
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX  XXXX XXXX  XXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$220.00}
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

In XX/XX/2009 i opened Bank of america secured credit card after using few years they converted my secured credit card in to non secured ones. The problem is when the card was secured there was an annual fee of {$29.00} but the card which they converted me into doesn't have any annual fee. But they are still keep charging me {$29.00} fee and that card comes with no benefits like any rewards or point. I feel like i am being charged unnecessarily. 
My request to Bank of America is either to remove that annual fee or convert my card to different ones where i can at least get some rewards. 
thank you
Consumer complaint received 2022-02-17
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. (PA)

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$130.00} XXXX  XXXX XXXX {$470.00} XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX {$220.00}
Consumer complaint received 2022-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

I closed on refinancing the mortgage ( with Citizens Bank ) on my home on XX/XX/2022. The original mortgage was also with Citizens Bank. Payments for the original mortgage were made by auto-pay from my Citizens Bank checking account. During the application process the Citizens loan officer neglected to provide the document to stop auto-pay on the original mortgage. On XX/XX/2022 a payment was deducted from my checking account for the original mortgage which had already been paid off at closing. 
I notified the loan officer, customer service ( several times ) and visited a branch. All except the loan officer insured me that the payment would be refunded. I wrote a letter to customer service explaining the problem. A representative contacted me and promised to intercede and call me back with an update. When he failed to call back, I called him and he insured me that the reimbursement check was mailed on XX/XX/2022. That contradicted information that I had received from customer service saying the payment was mailed on XX/XX/2022. It appears that Citizens Bank does not have a process or procedure in place to resolve my concern and they aren't working uniformly.
Consumer complaint received 2020-07-27
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. (FL)

I am a victim of identity theft this is so unbelievable someone has hack into my personal information. 
and open fraudulent Accounts and its seem as if they are applying for credit and shopping for a car please help me resolve this situation every account on this report is fraud
Consumer complaint received 2020-12-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: U.S. BANCORP (WI)

I received a call from XXXX complaining about not receiving a payment. I have automatic bill pay with US. Bank. Upon checking my status with the online banking the account was listed as paid. This has caused my credit score to drop. After paying off one of my credit cards to raise my score. I was told by US bank employee to delete the account and start all over. Which I did. But the results were still the same. Money didn't make it to XXXX and they tell me that US. Bank is sending the money to the wrong place. This is the type of stuff that makes problems for folks.