davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-08
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. (GA)

EXPERIAN, XX/XX/XXXX, and XX/XX/XXXXare in violation of my consumer rights by reporting fraudulent accounts and inquiries on my credit report. Below are the accounts and inquiries : Account XX/XX/XXXX - {$1700.00} Account Number - XXXX Inquiries XXXX XXXX XXXX XXXX XXXX NA XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I request that the listed accounts and inquiries be permanently removed from my EXPERIAN XXXX XXXX XXXX and XX/XX/XXXX credit reports. These accounts are fraudulent, unverifiable, and violate my consumer rights
Consumer complaint received 2021-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My last name is 2 wordsno hyphen, no underscore. You can not register with Trans Union by giving your correct last name as two words with a space between. All my records including my notary license lists my last name as 2 words. 

I was advised in the XXXX by Social Security and the IRS to only use my name the way it is. President Trump made it illegal to have various forms of your name as it presents a problem and makes it easier for others to steal your identity. I only use my first name and my last namenothing else and have for years argued with credit agencies for listing other peoples employment and debts under my name. This opens a whole new can of worms when a credit agency refuses to change their system. They insist you use one word. Well thats not my name and they should be fined for this and reporting false information! Any information they have under another name does not belong to me.
Consumer complaint received 2022-10-07
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

Over the last several months it has become virtually impossible to access our online account with CIT Bank On one occasion we were able to talk with a rep that supposedly fixed it. 
I have the correct pass word etc. but can not log in. The help link just starts the process over an over again. 
The phone XXXX they provide for help, is the same # on my bank statements. 
When calling the number there is always a XXXX min. or longer wait time. 
I have banked ( CD ) with Cit Bank for many years, perhaps XXXX, and had no problems in the past until this started many months ago. 
We are retired on Social Security, and our account has a balance as of XX/XX/22, of {$260000.00} and I want to transfer it to our Bank account on record, rather than do any business with XXXX again.
Consumer complaint received 2021-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (MI)

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 

I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Consumer complaint received 2023-01-12
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. (TX)

I have filed a dispute with the creditor, XXXX XXXX, XXXX  XXXX XXXX, and XXXX XXXX, and the credit reporting agency Experian In XX/XX/XXXX. After the reinvestigation Experian claimed to have made updates to the account stating that a recent payment was made in the amount of {$140.00} in XX/XX/XXXX, {$37.00} on XX/XX/XXXX XXXX & {$66.00} on XX/XX/XXXX XXXX XXXX XXXX Bank. It also made this as the new date being reported for this XXXX yr old account. Which is now only a few months old. I DID NOT MAKE THIS MOST RECENT PAYMENT on any of these three acts.. THIS ENTIRE Conns ACCT IS FULL OF FALSE INFORMATION. I have uploaded the court documentation that shows that they lost the court case against me because they had NO WAY TO PROVE IN THERE RECORDS THAT I OWED THE BALANCE REPORTED! Experian still validated the debt then changed to a newly reported date and claiming I made a new payme nt on the acct dated XX/XX/XXXX {$140.00}. This is false information and must be removed to be in agreement with the laws.
Consumer complaint received 2021-09-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (MS)

I have been paying for identity theft protection through Experian for over a year. When I called, on multiple occasions to utilize their services, they RE-route me to regular customer service and refuse to help or let me speak with a supervisor. I have submitted documents from the FTC to have items removed from my experian credit report through mail and their portal. They will request additional identification with a ticket number but when I submit the documents they immediately close the file. I have never spoken with someone who is willing or able to assist me with the device I have paid fora for have been fighting to have these items removed by myself even though I am paying for this service.
Consumer complaint received 2021-07-02
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. (OH)

On XX/XX/XXXX, My credit score dipped 22 points with all three bureaus. This is confusing because it shows this is due to a {$660.00} decrease in my credit balance with XXXX XXXX. My credit score is suppose to go up with a balance increase. Issue two is that it's indicating that XXXX XXXX removed some type of remark??? I have not seen any remark on my report dating back to two months ago when I was notified a remark was added. This goes into my last most critical concern, why did XXXX XXXX immediately remove this remark simultaneously after I paid {$700.00}. on my credit card balance. That's seems to be retaliatory. 
I need a firm understanding of the bureaus impact and XXXX XXXX sudden behavior.
Consumer complaint received 2019-11-08
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: CAPITAL ONE FINANCIAL CORPORATION (MN)

I disputed unauthorized transactions on my credit card and Capital One refused to send me the credit balance refund on account, requesting verification of payment I made last year, which I sent them the documents. To add insult to injury Capital One decided to take back the credits for the unauthorized charges I disputed and make it look it like I owe $ 300+ now. This is absolutely ridiculous and unethical. I would like my money back or I am taking legal action. They held up my money for months and now they take back the credit for the unauthorized fraud claims.
Consumer complaint received 2022-10-07
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. (TX)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that are 100 % incorrect from XXXX In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 16811 ( 5 ) these accounts are in violation of not reporting 100 % accurate
Consumer complaint received 2021-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

RE : Request for Investigation of Unauthorized InquiryTo Whom It May Concern, I checked my personal credit report, which I acquired from your organization on XX/XX/2021 and I noticed that this unauthorized inquiry had been made : I contacted ( CREDITOR/FURNISHERS, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation
Consumer complaint received 2022-10-07
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: EQUIFAX, INC. (CA)

There are errors talking place with this account. First one being that the arbitration agreement provided by XXXX XXXX XXXX XXXX XXXX was broken by them. Claims are supposed to go through arbitration, and the claims they made did not. Second one being that an adequate notice was not given by XXXX XXXX XXXX XXXX XXXX  XXXX according to 15 USCA 1602 ( k ). There have been more violations as well, but these have caused me mental Anguish, humiliation, and emotional distress. Equifax, XXXX, and XXXX are in violation as well by not following reasonable procedures made to guarantee maximum accuracy on my consumer credit report. I will have to move to arbitration if this is not resolved.
Consumer complaint received 2021-07-02
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. (AZ)

On XX/XX/2021, I reached out with a demand to comply letter to Experian to express my frustrations that it has been well over 30 days ( 60 days at the time of the letter ). It's been over 90 plus days until this day that I haven't heard nor seen any information regarding the incorrect items on my credit report. I'm now asking you to hold them responsible and liable, according to Section 611 ( a ). Thank you.
Consumer complaint received 2019-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My ex and I were divorced a few years back. As part of the divorce procedures we closed or removed one another from joint credit card accounts, however I now learn that the company in reference refused to remove my name as an account holder ( he was the primary account holder ). 
My ex continued to use the credit card without my knowledge and recently accumulated debt and decided to file for bankruptcy. The account in reference was included in the filing. 
Through a third party ( I was notified that one of my accounts was closed by another creditor due to adverse information on my credit report ) I learned that the creditor transferred the debt to me and reported the delinquency and amounts due as my debt. Numerous attempts to explain the situation and misunderstanding went unanswered. 
At this point the debt that he is responsible for ( I never even held a card for this account since the divorce ) is dismissed as part of the bankruptcy procedures and I am now made liable, my credit score adversely and very negatively affected, yet I can not do anything to resolve this misunderstanding. Since I have no knowledge of the account, all I know is what is reported on my credit report. I never received a statement and no collection attempt was made. The creditor can not show proof / contract that I am liable for the account - all they claim is that since my SSN and DOB ( which needless to say is information my ex had knowledge of ) are correct in the system, I am indeed liable and refuse to remove the adverse report against me.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (AK)

I have contacted this company 4 different times, 2 times on the phone and mailed 2 letters to the CEO of the company about late fees that is being reported on my loans with their company. I advised him that the late payments are being posted for XXXX and XXXX of XX/XX/XXXXso its showing up XXXX times on my credit report because I have more than one loan with Nelnet. These late payments should not be posted on my credit report because I was on a administrative forbearance, that bought my account current to XXXX of XXXX. So if my account was bought current and back dated to XXXX of XXXX then how can there be late payments posted for XXXX and XXXX of XXXX. I have filed complaints with the credit bureau 's about it and they just keep coming back stating that the information has been verified and yet no one will send me documentation to show how this is actual correct postings. Every representative that I have spoken to at Nelnet has stated that these late payments should not be there because of the forbearance but neither of them were able to remove or update the information with the credit bureau 's. I have emails from 2 different reps that stated the same thing that my account was current that there was no payment due until XXXX of XXXX. 

I also spoke to an advisor at Nelnet and she suggested that I consolidate my loans so that the late payments could be removed, so at the advise of this advisor I did just that and shocking to my surprise the accounts and late fees are still being posted on my account.
Consumer complaint received 2017-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX-no product issued XXXX XXXX XXXX-no product issued XXXX XXXX XX/XX/XXXX -no product issued XXXX XXXX XXXX XXXX-no product issued XXXX XXXX XXXX XXXX XXXX-no product issued XXXX XXXX-no product issued XXXX XXXX/XXXX XX/XX/XXXX -no product issued XXXX Card XXXX-no product issued XXXX Card XX/XX/XXXX no product issued XXXX XXXX XXXXXXXXno product issued XXXX/XXXX XXXX XXXX-no product issued XXXX XXXX XXXX XX/XX/XXXX -no product issued XXXX/XXXX  XXXX XXXXno product issued XXXX/XXXX XXXX-no product issued XXXX XXXX-no product issued
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ME)

In XXXX I took out a loan on a used vehicle and made my payments i also paid for credit protection on my loan incase i should become XXXX or something should prevent me from making my payment. In XXXX I suffered a XXXX XXXXXXXX and spent time in the XXXX  and fell behind on my payments. The credit protection I paid for was not honored and I was harassed for my payments. I paid up what I was behind so that there was no past due balance owed the financial institution I acquired the loan from USAA accepted my payments then sent a towing operation out to repossess my vehicle. The tow operator trespassed on private property to take my vehicle which constituted a breach of peace. He tore the whole front end off my car in the process of him removing it from my property. USAA sold my vehicle at an auction for less than it's value due to the damage inflicted by the incompetent tow company XXXXXXXX XXXX Since XXXX USAA has been trying to recoup their loss of value from that damage from me after I had already paid over XXXX dollars of the XXXX that the original loan was for. At that time I had a XXXX credit rating which they have trashed. I now have a XXXX credit rating due to their incompetence.
Consumer complaint received 2021-07-02
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (CA)

Repeatedly called after I asked to only be contacted by mail or email. Threatened to show up to my job and also harassed family member and friends on numerous occasions after being told to only contact by email or mail. Threatened to take me to court.
Consumer complaint received 2019-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NV)

Complaint is regarding to Citibank unlawful report on discrepancy shown in my XXXX  credit portfolio of my husband Macys/DSNB credit card Account No : XXXX, Address ID : XXXX that I was only an authorized signer without being responsible toward it. Further, said account reported by Macys/DSNB and/or Citi bank Collection Dept on XX/XX/XXXX, exceeding over seven years reporting period. Pursuant to the agencies ruling policy it must be also deleted by XXXX, as done by other agencies. 

This account Owned by my husband XXXX XXXX, Birth XX/XX/XXXX & SSA # ending XXXX. I was an authorized signer and not the Owner or Cosigner. As an authorized signer who I never used this card to the best of my recollection, I am not responsible toward this account. XXXX  and Citibank presumed an unlawful action by registering triple times of my husbands store credit card as a Discrepancy on my credit portfolio that all must be deleted. 

Due to medical disorder my husband contacted Citibank recovery Dept & spoken with Citibanks manager, Ms. XXXX ( KY ), at ( XXXX ) XXXX. She removed XXXX  & XXXX, but XXXX  still pending for deletion. It caused for not being able obtaining loan and refinance high interest mortgage due to negative collection report. Further, I hereby elected my husband XXXX XXXX as an authorized person to act in my behalf with full Power of Attorney ( PO ) without any Limitation. 

I kindly requested for deletion of Discrepancy by Citibanks order to be performed by XXXX  is kindly requested urgently. Your truly- XXXX XXXX