davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-16
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)

XXXX opened on XX/XX/2020 an unauthorized Credit Card account # ( XXXX/XXXX - XXXX ) under my name but with an unknown ( XXXX ) email address. 
XXXX also made hard inquiries on my credit report which reduced my credit score. I have an account with XXXX with another email but I have NEVER applied for credit card EVER with XXXX. This is fraud by XXXX and is purposefully forcing costumers to sign up for their credit card.
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX opened on XX/XX/2020 an unauthorized Credit Card account # ( XXXX/XXXX - XXXX ) under my name but with an unknown ( XXXX ) email address. 
XXXX also made hard inquiries on my credit report which reduced my credit score. I have an account with XXXX with another email but I have NEVER applied for credit card EVER with XXXX. This is fraud by XXXX and is purposefully forcing costumers to sign up for their credit card.
Consumer complaint received 2018-02-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have Multiple inquiries on my credit account that i did not personally apply for, i have gone through a credit repair service as well as reached out to these companies myself and was unable to get anything to change
Consumer complaint received 2024-01-31
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. (CA)

I am writing to dispute certain information in my credit file that I believe is inaccurate, in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ).

I request that the item be removed [ or request another specific change ] to correct the information, as mandated by the FCRA, which requires credit reporting agencies to delete or modify information that is inaccurate, incomplete, or can not be verified.

Please reinvestigate these matters and correct the disputed items as soon as possible.

In compliance with the FCRA, please send me a corrected copy of my credit report upon completion of your investigation, and advise the creditors who received my credit report within the last six months to send me a corrected copy of their transactions with my account.

Thank you for your prompt attention to this matter. I expect your response within the statutory timeframe of 30 days. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

I opened a simplicity credit card that had advertising as 18 months interest free. They started charging me interest after 1 year. The did a bait and switch, and then sent me an email saying that they changed it to 12 months. I tried contacting them to get this reversed, but I was transferred around and nobody could help me. Now I am logged out of my account and can't log in. I have lost the information on my account and I can't even call to reach someone to log back in. There is no way to get my login information without my credit card or bank account number. I need to be able to retrieve my account using just my social security card. I also need the interest that has accrued to be removed as it has not even been opened yet. I opened the card XX/XX/2019.
Consumer complaint received 2020-04-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

{$400000.00} was transferred. They held the funds for over two weeks and utilized the float. Did not respond to repeated requests to release the funds. At 4 % interest {$660.00} in interest is due. Bad Business.
Consumer complaint received 2020-04-30
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. (FL)

I sent a dispute certified to Equifax on XX/XX/XXXX regarding unauthorized inquiries that were not authorized for employment, insurance, or is it tied to any account. 

XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I have a Parent Plus loan held by EdFinancial. I just requested a refund on my payments for {$11000.00} via a check to be sent to my home address. The person on the phone mentioned that it would be at least 6 months minimum to get a check sent out to me. I asked if there is anyway I can get a status of when the check will be sent out and they said I have to wait 6 months which is unacceptable. I made the call on XX/XX/XXXX.
Consumer complaint received 2021-02-28
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: BBVA FINANCIAL CORPORATION (IL)

All of the charges on my BBVA credit card statement for the period XX/XX/XXXX - XX/XX/XXXX were fraudulent. On XX/XX/XXXX I wrote BBVA a letter informing them of this. On XX/XX/XXXX BBVA sent me a letter informing me they were investigating the matter. Since I had not yet received a response to my letter of XX/XX/XXXX, I called BBVA on XX/XX/XXXX. They logged my call as incident # XXXX & XXXX. In the interim I have received statements with late fees and collection letters. To add insult to injury BBVA sent me a letter dated XX/XX/XXXX terminating my credit card account. 

BBVA should have its license to issue credit cards revoked.
Consumer complaint received 2018-02-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AR)

I was not aware of the number of loans being taken out. I was not aware what it meant to not be an accredited school. The school changed it's name 3 times before I graduated. Turns out I did have about 4 different loans and each one wants payments. I have deferred I am unemployed. I am now in default because I am not sure where all of my loans are. I tried to consolidate at one point but because so many different loans was not able to. I need student loan forgiveness. Now I just had my complete income tax refund offset to a collection agencies for one of the lenders or more.
Consumer complaint received 2022-04-01
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: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX on XXXX and account # XXXX on Experian ( different account numbers ), XXXX XXXX Account # XXXX, XXXX account # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (HI)

I wanted to dispute - Citi.bestbuy.credit card. 
It is my first time amd was curious to see. Didnt know it would be reported if card application was declined. Wont happe again. And now inknow what expect. Id appreciate it if it was deleted. I want to get a better start with my credit report
Consumer complaint received 2018-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

on XX/XX/2017 I join XXXX  XXXX XXXX a XXXX XXXX XXXX XXXX . They sent XXXX store card a proposal to lower my payments and interest and remove all late payments. XXXX continue to report me 30days late every month. They accepted the proposal with the understanding they would receive my payments on the XX/XX/XXXX of each month. I'm trying to increase my credit score. XXXX continue to send negative information to the credit bureau. They continue to show me late. I have contacted them several time and nothing has changed.
Consumer complaint received 2021-10-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (WI)

Last Friday XX/XX/21, I tried to purchase XXXX tickets for my wife and I, and I confess, we don't get out much with XXXX young boys! I was talking to a XXXX XXXX on the phone ( phone number XXXX ), and a request for {$400.00} came into my Chase XXXX account under the name and account of XXXX XXXX XXXX. One mouse click later, the {$400.00} left my account and went into the account of XXXX XXXX XXXX, immediately XXXX disconnected, and his phone number was " no longer in service ''. Both phone numbers and names I have affiliated with the XXXX account are either disconnected or unresponsive now. Based on talking with Chase staff most of the last weekend, it seems I am out of luck.
Consumer complaint received 2021-10-05
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. (CA)

5 USC 1605 defines a Finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but, name of corporation, took cash. The finance charge is suppose to include insurance but these accounts made me purchase insurance separately. Also Account violated me under the FCRA 15 USC 1681. 
Consumer right to privacy.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my 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 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 2022-04-02
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: C/C Financial (PA)

In XXXX XXXX XXXX, someone stole my identity to borrow {$3600.00} from Preferred Lease to help them pay for their rent. The account is XXXX. It has a {$3600.00} balance and it was closed in XX/XX/2021. Now, the account remains on my credit report as a negative impact on my credit score. I haven't gotten ahold of the fraud department.
Consumer complaint received 2020-04-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have paid this balance nearly off almost 2 months ago and its still showing that my balance has increased {$250.00}, therefore decreasing my credit score!
Consumer complaint received 2020-04-30
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: Palmar, Inc. (AL)

my exs lived with while i realize i attract the XXXX  of the earth, and divorced both. they agreed to pay these debts they created in my name withot my permission but have yet to do so. how can I get these off my credit report as they are not my charges. if you look my bank family savings credit union my light bill all my bills are paid on time im not ever late. 
I trusted my husbands that lived with me, they took advantage and had access to my persona ; stuff and info we were married. i did not give permission or know anything about this. i divorced them for this reason. plase help me straighten my credt out. accounts they did were XXXX, XXXX, XXXX  XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, you name it in XXXX if any cards or credit isnt bad it isnt mine. look and call my bank family savings credit union ive never misses a payment and my phone is through XXXX  i have always had prepaid or government phone. im on XXXX im very low income i dont live above my means. I dont like being punished for someone elses stuff on my credit it isnt right nor fair!
Consumer complaint received 2018-06-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

HSBC sent me a letter by mail, offering me to " Get a {$350.00} Welcome Deposit with a new HSBC Advance relationship and qualifying activities. '' I satisfied all of the conditions for the {$350.00} Welcome Deposit months ago, but HSBC refuses to pay without any reason.
Consumer complaint received 2020-07-16
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$20000.00}, {$29000.00}, {$7500.00}, {$20000.00}, {$8300.00}, {$14000.00}, {$2000.00}, {$27000.00}, {$2200.00}, {$15000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$29000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

5. XXXX XXXX   with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account. 


-- COLLECTION ACCOUNT 10. XXXX XXXX XXXX XXXX/XXXX  with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account.
Consumer complaint received 2019-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sarma (TX)

I currently make payments on the account that is supposed to be delinquent and is showing up as a negative on my credit report. At one point, I tried to call and make a payment to the hospital and after 3 weeks of phone tag I forgot to call back. The following month I forgot about the bill and by the time I remembered I called and they had already sent it to collections. I have made consistent payments other than that incident. This is also a medical bill, and it is against the law for a hospital to turn over that information to a third party. It needs to be removed from my credit not only for that reason, but because I make monthly payments on it and have consistently.
Consumer complaint received 2021-10-05
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. (CA)

5 USC 1605 defines a Finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but, name of corporation, took cash. The finance charge is suppose to include insurance but these accounts made me purchase insurance separately. Also Account violated me under the FCRA 15 USC 1681. 
Consumer right to privacy.
Consumer complaint received 2020-04-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (VA)

I called Citibank regarding my credit card ending with XXXX. It has been closed for quite some time due to Fraud and I was forced to pay this balance off which I have been for years. I recently paid my last payment on XX/XX/XXXX, and since we are in the COVID-19 pandemic, my salary was reduced and I called Citibank customer service XXXX, and spoke to XXXX who offered me a two month deferment, no increase in the APR or any late fees. She set me up and said that she would transfer me to the RVR to complete the process. Then she sent me to silence, then back to the automated system where I spoke to another CSR named XXXX, who was very unhelpful and started to get rude, I asked for a manager or supervisor, and she replied with " Im so sorry we cant help you at this time '' I asked once more for her manager and she said the same response and then hung up on me. Im going to file Bankruptcy if this can not be resolved since they have been very unhelpful in the past, and would not remove a {$700.00} charge that was fraud although I fought with them for years.
Consumer complaint received 2022-09-11
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. (MN)

I first disputed inaccurate inquiries with equifax and they came back verified. I then sent a method of verification request exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). According to federal law they must provide a response within 15 days of receiving that letter. Well I have proof via USPS CERTIFIED MAIL that equifax received my letter on XX/XX/2022 and here is the tracking number XXXX Till this day XX/XX/2022 i have not received any form of communication with the credit reporting agency equifax thus they took longer than 15days which in fact is a VIOLATION OF FCRA. I demand they remove the inaccurate unverifiable inquiries by these lenders XXXX XXXX XXXX XXXX XXXX XXXX XXXX if not i will gladly enforce litigation and take equifax to small claims court in XXXX XXXX MN for playing with my privacy and credit report and for violating federal law. I will request {$1000.00} per inaccurate unverifiable items and i am 100 % certain i can prove to a judge these items are inaccurate and equifax has violated law. IF Equifax does not respond appropriately to the CFPB complaint and correct the errors on my credit report within 14 days A lawsuit against equifax WILL be FILED IMMEDIATELY.
Consumer complaint received 2020-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (DE)

Sunoco gas credit card numbers were stolen per Sunoco customer service phone conversation in XXXX. She stated it was being used in Ca and throughout Pa and said they were cancelling the card as I agreed. I wanted to ensure I was not responsible for any charges and she replied no since the credit card agreement states that in written form. Since then they have placed this fraudulent debt on my credit report when they were fully aware the credit card number were skimmed I believe they called it and is common problem. Long story short I filed in XXXX in Delaware Court and the judge agreed that I should not pay for this debt when their own contract states that I am not responsible for these charges so they were court ordered by a judgement to pay their charges to myself which they did in addition to court fee 's. I assume everything was clear until XX/XX/XXXX letter I received from their security department requesting I call them and I did XX/XX/XXXX @ XXXX XXXX and spoke with XXXX. He noted everything as I answered his questions and he also agreed that this should be closed and taken off my credit report. On XX/XX/XXXX dated letter again requesting I call their security department as I did XX/XX/XXXX at XXXX XXXX and spoke with XXXX who reviewed the notes and also agreed that this was closed and all the info they have in their notes and should be removed from my credit report. He stated I now should contact Fraud Research dept. XXXX XXXX XXXX, XXXX XXXX, DE XXXX which I did again. I have spent hours on this issue and the court agreed I was ot responsible for any payments under their credit card agreement but this is still going on.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$7600.00} ; DEPT OF ED XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> ; XXXX.