davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (TX)

this is regarding Costco visa card ending in XXXX i have requested the statements of XXXX. You are storing it in cold storage it seems ... more than 2 days ... i haven't received it. 
It's required for the extended warranty. 
When i chatted with the customer service on XXXX XX/XX/XXXX, she doesn't want to help me at all. Instead asked me to call a toll free # Citibank Online Technical Support team ( XXXX ) XXXX ( TTY/TDD : XXXX ) When i called that # - it's Citi 's bank account not credit card. 

Citi is storing statement more than a year old in some cold storage - XXXX XXXX or so. 
IT's a headache to get the old statement.
Consumer complaint received 2020-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

Equifax has XXXX accounts tied to my social security number as a result the 2017 breach. The incorrect account has the wrong birth year but all of the correct addresses. The incorrect account reports all balances {$0.00} when in fact they have balances. This account is what is being pulled by creditors when I have applied recently. The other account has all correct information except all my previous addresses. 
I have been working on this for years. I've sent in my social security card, a copy of my drivers license and they still will not delete the erroneous account.
Consumer complaint received 2017-08-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (GA)

I have requested several times via mail to investigate negative information that has been reported on my credit. I have only gotten responses that accounts have been verified and updated. I have not been sent any documentation proving that accounts and late payments have been verified. I have never been late on any loan payments nor have I ever authorized an account with XXXX. I have attempted to dispute this information with all parties via telephone however It is very difficult to get assistance over the phone.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2023-01-27
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. (IL)

I am a victim of identity theft someone has been using my personal information to open accounts. I recently in XXXX disputed this fraudulent information that is on my credit report namely an account with XXXX XXXX XXXX account # XXXX which was opened on XX/XX/2016 in the amount of {$31000.00}. I have written and provided them with my Police Report and my FTC report which is clearly informing them that these accounts are fraudulent.
Consumer complaint received 2022-10-06
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. (AL)

Under the Fair Credit Reporting Act, they have violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (MA)

On XX/XX/XXXX, we used our XXXX XXXX XXXX Mastercard ( Barclays Bank ) and paid {$1300.00} for two flights ( XXXX XXXX XXXX XXXX XXXX ) - record locator FNJDEA, for a trip we were to take to XXXX, XXXX in XX/XX/XXXX. 

Due to Covid-19, on XX/XX/XXXX, our resort reservations and our flight reservations were both canceled by our travel company when travel was restricted by the US State Department. We were supposed to be refunded for both our resort costs and our flights. The credit card we used to pay for the resort costs refunded us immediately, while XXXX XXXX XXXX Mastercard did not. I filed a claim with XXXX XXXX XXXXXXXX card/Barclays Bank and a refund was not issued.
Consumer complaint received 2021-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (CA)

Jefferson Capital LLC added a collection on my credit reports without my knowledge and in doing so on XX/XX/2021. This collection violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. I request that Jefferson Capitol verify the following information. 1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. If Jefferson Capital Systems is unable to provide the above identifying account information, this account must be deleted from all CRAs. Jefferson Capital Systems LLC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Goldberg & Peretti, LLC (CA)

To Whom it May Concern : I paid XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} on XX/XX/2014, for my XXXX XXXX account that was overdrawn. They used aggressive tactics, scared my family & I felt like I had no other choice but to take out a loan from my retirement & pay this company. After conducting research, I realized that this is a fraudulent company & they never even communicated to XXXX XXXX that my debt was paid. There email addresses are incorrect & there building address is not even real. I only owed XXXX XXXX about {$600.00} ( half were from overdraft fees ) & now about 10 years later I'm still getting phone calls from 3rd party debt collection agencies still asking me for money on this old bank account. I'm getting so tried of these phone calls & just want it to stop. I also have a release of liability document signed by XXXX XXXX XXXX XXXX XXXX XXXX that I can sent to you. I sent this email below & it came back as an error. Now I'm out over {$1000.00} & I'm still being harassed, what do I do? Please help! 
~XXXX XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Subject : File # : XXXX This email is to address the fraudulent charges against me. 

I am filing a law suite against your company for deformation of information and malicious intent. I spoke with XXXX XXXX today and this is a federal offense. The money I gave to your company on XX/XX/2014, was not paid to XXXX XXXX and my debt was not released. I am represented by XXXX XXXX XXXX XXXX, and will prosecute you for bank fraud. Per the attached document on XX/XX/XXXX, my debt was paid to XXXX XXXX by your company, and this is false information. 

I need the owner or supervisor to contact me immediately. 

- XXXX XXXX XXXX
Consumer complaint received 2021-09-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE (NY)

XX/XX/2021 I received a charge I did not recognize on my account. I reported it to Barclays fraud department for my uber  credit card, and they took the charges off. Then, at some point in XXXX, they posted the charge back onto my account without informing me whatsoever. In XXXX I received an email that I had outstanding balances on my account, as well as late fees for overdue payment. I then received a letter in the mail in XXXX that Uber was investigating the case. 

I should not be responsible for fraudulent charges, nor should I be responsible for late fees on balance I never knew I had
Consumer complaint received 2022-10-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Guild Holdings Company (GA)

Guild Mortgage reported late payments on my consumer reports XX/XX/22 and XX/XX/22. They know good and well there's no such thing as late payments according to federal law, so they are violating my rights as a consumer. Delete these alleged late payments immediately-you have 7 days to do so, or I will be taking legal action. This is according to 15 USC 1666b-timing of Payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-01-27
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. (IL)

on XX/XX/2023 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-14
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. (AL)

In XXXX and XXXX of 2021 I filed a dispute with this bureau about the unverified account XXXX XXXX Account number XXXX -- XXXX -- XXXX and that this collection company may have violated my HIPAA rights. In these 2 months I have not received a notice in over 30 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today which is in non-compliance with the FCRA. Thank you
Consumer complaint received 2020-07-22
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I'm currently writing this complaint about my account with synchrony bank and XXXX. XXXX XXXX XXXX that i had paid off my account for {$670.00} XX/XX/2020 and then i got a letter on XX/XX/2020 saying that my account is closed due too lack of real estate credit and too many open accounts now i feel that's not fair and wanted to know if there's anything you do too help me fix this issue
Consumer complaint received 2021-09-13
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. (FL)

Lets just say for many years but let 's just talk about 2021. So Since XXXX of 2021 every single month untill which is XXXX I have disputed/pleaded and requested for XXXX /Equifax and XXXX to do their job. I have requested all 3 every single month to do a independent investigation on Certain things which inaccurate and falsely reporting on my credit files.Instead of following the FCRA Guidelines and doing a independent investigation on my behalf they have refused and keep defaming me and families by name falsely reporting these inaccurate and fraudulent activity which is in accurate or doesn't belong to me.. 

This includes Late payments when I was never late /inaccuracy in their own payment reporting history like XX/XX/XXXX30 late/XXXX  30 late/XXXX OK XXXX 60 late and XX/XX/XXXX30 late again Also reporting the same account twice same furnisher same dates same amount due literally the definition of double jeopardy. 

To Reporting collections like a apartment in a city I have never lived or will live To not reporting a statement of this account is being disputed To even reporting on a Account I closed months ago and was reporting as closed to currently 60 or 90 days late with a balance but still closed that because of their false reporting just dropped my score from a XXXX to a XXXX And alot more I can tell you once this taken care of to start And because of these inaccuracies and lies have caused me to lose numerous loans for my business.
Consumer complaint received 2022-10-06
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. (VA)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX XXXX  XXXX # XXXX has violated my rights. 

15U.S.C 1681 Section 602A.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 2020-07-22
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. (GA)

I contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX XXXX XXXX that due to a drop in my credit score my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the Director of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my credit score. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score. XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose tome that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XXXX XXXXinstallment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. I have reached out to XXXX XXXX XXXX and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to XXXX XXXX XXXX.
Consumer complaint received 2020-08-28
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)

You'll see in one of the attachments provided that the Experian Credit Bureau use to have this XXXX XXXX account included and now it has been removed. We need that rectified promptly. 

From the beginning : When my job shut down in the beginning of the pandemic in XXXX, XXXX XXXX XXXX XXXX generously offered a payment delay option for our HELOC account where all of our payments would be pushed back. However, since we resumed paying in XXXX, our account is now being reported with a High Balance of {$220000.00} plus, it has late Fees attached, the Payment Amount was being reported inaccurately for months and more recently the account has been reporting as Past Due 30 Days to the Credit Bureaus, which is also NOT accurate. My husband and I have been in constant contact with XXXX XXXX XXXX XXXX for months but they are still trying to get a new program setup and implemented that will supposedly address all of these issues. In the meantime, we had them draft a letter for us that stated the banks current dilemma and our accurate information for our account. We provided that letter in our Credit Bureau disputes, but now some of the Credit Bureaus are just removing the account from my husband and I 's credit reports, which has been equally damaging to our Credit Scores. We want our account information provided by XXXX XXXX to be accurate, no matter if they have their new system set up or not. I imagine that as a temporary fix, a XXXX XXXX Team Member could take a look at our account and manually process the proper numbers to provide to the Credit Bureaus instead of so much inaccurate information being reported which has hurt my husband and I 's credit scores drastically. Now Experian is saying that the disputed information does not appear on my Experian credit report, but that is part of the issue. If the account is not even listed on our Experian credit report anymore, why was it removed?
Consumer complaint received 2020-07-22
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. (CA)

I was the victim of identity theft in XXXX and XXXX of XX/XX/2020 and a criminal did a fraudulent hard inquiry to my Equifax credit on XX/XX/2020, in an attempt to open an account from XXXX XXXX. When I became aware of this issue, I contacted the creditor and had them contact Equifax to confirm that this inquiry was fraudulent. In addition, I contacted Equifax to let them know of this fraudulent hard inquiry. In the dispute outcome from Equifax ( Confirmation # XXXX ) I was informed by Equifax that the inquiry was fraudulent and had been removed. As of todays date XXXX XX/XX/2020 ), the fraudulent inquiry has not been removed! I have called and filed several subsequent disputes regarding this same inquiry only to be told to resubmit the information that Ive already sent. I followed those instructions and resubmitted everything ( police report, copy of my social security card, copy of my passport, letter from XXXX confirming that the inquiry was fraudulent, copy of my drivers license, and copy of my birth certificate ) only to be told that I needed to contact the creditor again. I followed that step and had the creditor contact Equifax and still the inquiry has not been removed. I understand that this is sensitive information but I DO NOT need to be told to contact Equifax again because I have already filed over 20 disputes and yet Equifax in spite of having everything has not performed the administrative task to delete the fraudulent hard inquiry. My issue is administrative and I need Equifax to delete this inquiry that I have proved on multiple occasions is fraudulent. I am unable to buy a home and live my life due to this fraudulent inquiry so please help me!
Consumer complaint received 2018-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: National Recoveries, Inc. (CA)

I am being harassed for student loans that are not mine. I had a student loan for {$2700.00}. They are trying to collect {$42000.00} from me saying they are mine. In fact these are my ex wife 's loans. The only proof they can provide is a promissary note with me as the borrower and my ex wife as the co borrower. DOE guidelines States that only a parent or gaurdian can cosign for federal student loans. Which proves that these loans that they are trying to collect are not mine. Being that the cosigner is my ex wife. I agree that i had a student loan and the promissary note is mine but for {$2700.00} only. I have requested the original contracts and promissary notes for those loans and they can only produce 1 promissary note.
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/2020 : I was alerted to suspicious activity on my card of a purchase at XXXX for ~ {$4800.00}. I promptly responded and inform that someone had called using a phone number not associated to me and approved the purchase. I informed them that I did not make or approve the purchase and that it was in fact fraudulent. The analyst told me the purchases would be taken off my account. 
XX/XX/2020 : Charge still showing on my account. I called chase multiple times with extremely long wait times and unable to speak to fraud department due to my work hours. So I made my wife an authorized user on the account so that she could speak with chase on the phone regarding the fraudulent charge. 
At some point the charge was removed from my account. 
XXXX : Charge appears again on my account although not listed on my statement. After speaking to fraud department, they inform me that I stated to them in our XX/XX/2020 conversation that I approved of my wife making the purchase. THIS IS AN UTTER LIE. There is no other way to phrase it. 
Have called and emailed chase repeatedly since that time with little to no response regarding addressing or resolving the fraudulent charge