davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-14
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

This account is NOT mine! This is my 6th time reporting this information without any resolution! Remove this as its defaming my credit report and myself as a consumer.! 
Account # XXXX NOT MINE!
Consumer complaint received 2021-07-14
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

This collection agency has violated HIPPA. I have never giving this company consent to obtain my medical records. This is unauthorized accessing of XXXX. I demand this account is deleted immediately from my credit report.
Consumer complaint received 2021-07-14
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. (KY)

To whom it may concern, I am contacting you because I have found some information that is inaccurate on my Experian credit report. Experian is reporting a late payment on XX/XX/2020 on a XXXX  XXXX account, i called and sent letters to Experian on XX/XX/2020 -XX/XX/2020 they did not respond I was not late on XX/XX/2020. I request that they verify the information and update the payment history on this account as PAID, NEVER LATE immediately. But they have refused.
Consumer complaint received 2022-09-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

hello My name XXXX XXXX XXXX i am a XXXX XXXX XXXX young father in the city of XXXX. I noticed somethings on my credit report that i didn't do and i asked the credit bureau todo some research of my report and they responded and said everything was accurate. I have addresses that i never lived at i also have credit card accounts I've never heard off. Can someone please help I'm trying to buy a home and get my kid out this crazy city. Below i will list the accounts XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX  acct # XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX  acct # XXXX In Accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 Section A states I have 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. 

Also here are the inquiries 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 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 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 2021-02-26
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: CITIBANK, N.A. (IL)

Dear Citi Executive Response Unit : I received your letter dated XX/XX/XXXX ( see attachment ) in regards to the dispute for {$130.00} dated XX/XX/XXXX. I notified Citi immediately as soon as I saw the charge on my Account as per the cardmember agreement that I did not authorize this transaction ; yet Citi did not do anything to protect my account from the unauthorized charge. This is a breach of the agreement by Citi. If this transaction is not removed from my account immediately within 10 business days, I will be pursuing alternative options of resolution outside of Citi for resolution. 
Sincerely, XXXX XXXX, XXXX, XXXX.
Consumer complaint received 2019-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (NJ)

I had a hardship in my life and my financials werent right. I couldnt pay for basically anything and became dependent on my parents and since they had too much on their plate I couldnt ask them for help for my card.
Consumer complaint received 2018-03-09
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. (DC)

My issue with XXXX is not that its not reporting accurately. It's not reporting on time. If I pay on time or more than once in a month. It should reflect that on my credit report, and in my credit score.I 've reached out to XXXX and the Bureaus its reporting to. Today I contacted XXXX  on XX/XX/2018.XXXX stated that XXXX hasn't reported in 3 months.This is hendering me from getting a home loan, passed up on a promotion at work.I can't even get approved for a rental home. I'm paying on time, or before time. XXXX is a great company, and provide great service aside from reporting on time monthly.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Balance transfer — 
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

I applied for a balance transfer with XXXX XXXX XXXX. This transfer would transition credit card debt from a " XXXX XXXX Ohio '' XXXX, to a XXXX XXXX XXXX XXXX card. I was billed for the transfer amount of {$570.00} on XXXX/XXXX/16. 

XXXX XXXX XXXX mailed a paper check for the above sum to XXXX XXXX. XXXX XXXX deposited the check but did not credit my XXXX account. As it stands now, XXXX XXXX refuses to return the funds to XXXX XXXX XXXX, and refuses to apply the balance transfer as originally requested by myself through XXXX XXXX XXXX. 

Consequently, XXXX XXXX XXXX continues to bill me for the entire transfer amount, XXXX will not acknowledge receipt of XXXX XXXX XXXX funds, and I continue to pay the debt - only now to XXXX credit card companies instead of XXXX.
Consumer complaint received 2015-09-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (FL)

I received the Initial Escrow Account Disclosure Statement from Freedom Mortgage. It states that the PROJECTED ESCROW BALANCE SUMMARY OVERAGE is {$3200.00} that was to be RETURNED TO ME ONCE ACCOUNT WAS CURRENT. On XXXX XXXX, 2015 I paid the XXXX 2015 monthly mortgage payment of {$1400.00} and I was current. At the bottom of the Disclosure Statement the following is stated : Federal Law requires that any escrow surplus of {$50.00} or greater for accounts that are current must be returned to you within XXXX days from the date of the analysis. Due to the delinquent status of your account, your surplus will be retained until the account becomes current. It is your responsibility to contact our a Customer Care department to request the release of any surplus when the status of your account changes. I did contact Freedom Mortgage on XXXX/XXXX/15 and requested my refund and it 's now XXXX/XXXX/15 and they have n't sent me anything, which is against the law.
Consumer complaint received 2022-09-12
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXXXXXX XXXX XXXX Balance XXXX {$9800.00} ; US DEPT ED XXXX Balance XXXX {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} ; XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX CRE XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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 XX/XX/XXXX.
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (WI)

I received a letter dated XX/XX/18 from Ad Astra Recovery Services , Inc. stating that I owed " XXXX XXXX   '' a debt in amount of {$890.00}. I've never heard of either company, never have or have had accounts with either. I called Ad Astra and discussed the matter with a representative who suggested that this was due to identity theft, and that I should contact the Federal Trade Commission. The debt is now listed in my credit report ( the Ad Astra representative indicated that it had been ). I did report this to the FTC, which referred me to here I believe it was.
Consumer complaint received 2018-02-24
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (FL)

I took two XXXX classes with the University XXXX XXXX. I only took the two classes and only authorized a loan for the two classes in XX/XX/2009 ( XXXX and XXXX ). I advised them that due to my work schedule I would only be able to do the two and not able to continue with online classes due to the fact my work schedule was too demanding and I was struggling to complete the two classes I agreed to. Also I had found out that I was lied to by the University XXXX XXXX about graduation rates and successful job placement. Prompting my withdrawal from the school. When I looked at my credit report the amounts being charged to me where not as discussed by the advisor and I. I continued to try to resolve the problem with the University XXXX XXXX with no one being able to help with the issue and telling me to contact the loan company Navient. When I would contact Navient I would get rhe run around, different numbers to call, numerous people to speak to. Resulting in mostly answering machines and no response back. I recently had my income tax offset due to this, when i called Navient to demand a breakdown of the original loan, I was denied the information of the original loan. I am now being charged over {$5000.00} dollars for two online classes from the University XXXX XXXX and has been broken into two separate balances on my credit report.
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (VA)

On XX/XX/XXXX I purchased 2 phones from Best Buy. There was a promotion in effect and I was supposed to receive a store credit of {$400.00}. At the conclusion of the checkout process ( which took more than 1 hour due to trainee errors ) they gave me {$600.00} instead of {$400.00} in store credit. I immediately pointed out the error and offered to give {$200.00} back. There was a long discussion between the trainer and the trainee, they clicked on a lot of keys behind the register, and ultimately they ( the trainee was there but the manager/trainer spoke authoritatively ) turned to me and told me that apparently there was a " computer glitch '' and that I should " enjoy. '' On XX/XX/XXXX I returned to Best Buy to spend the {$600.00} in store credit and purchased a computer for {$1100.00} ( with tax ). I paid with the {$600.00} store credit and I paid for the remainder by authorizing a charge of {$580.00} on my Best Buy credit card. 

In the months following I paid off and closed that credit card. 

On XX/XX/XXXX ( nearly 6 months after the store credit was issued ) Best Buy Credit Card services informed me that I owed an additional {$200.00}. After many phone calls and secure mails and emails and letters I now understand that Best Buy did an internal audit and found that they made an error with the extra store credit and they were attempting to rectify this 6 months later. 

The problem is that I had already made financial decisions on the basis of that extra {$200.00} and I have no way to undo those financial decisions at this point. 

I chose to purchase a computer at Best Buy on XX/XX/XXXX because I had that store credit. If I had had less store credit I would have bought a less expensive computer or not purchased it at Best Buy at all. If they had told me onXX/XX/XXXXthat the additional {$200.00} store credit was not valid then at that point I would have had the choice to buy or not to buy the computer - that would have been legitimate. But because they gave me that store credit and honored that store credit as a valid means of payment I purchased the computer in good faith. Now they are requiring me to pay an additional {$200.00} out of my pocket when I no longer have any choice not to make that purchase anymore. And because the computer I purchased is now used I no longer have the choice of returning it. 

I also point out that I authorized a payment of {$580.00} on my credit card ( see attached receipt ). If I had paid for the remaining amount with cash instead of the CC this conversation would never have taken place - they would have had no recourse. But because they knew my credit card number they felt the freedom to charge my credit card an additional {$200.00} without my authorization. Is that even legal?
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. (IA)

I assert, under the penalty of perjury, as per United States laws, that the provided information is accurate to the best of my knowledge. I affirm my compliance with both FEDERAL and STATE LAW in initiating this dispute. I am aware that any deliberate misstatements or omissions of crucial facts can result in FEDERAL CRIMINAL VIOLATION, as outlined in 18 U.S.C. 1001, and perjury charges under 18 U.S.C. 1621. The XXXX XXXX, XXXX XXXX, and XXXX XXXXXXXX XXXX, entries on my credit reports are unrelated to any transactions I engaged in. I am reporting unauthorized use of my personal information, leading to the creation of accounts, which is currently under investigation by the FTC.
Consumer complaint received 2020-07-16
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. (FL)

I paid off a collection account over one month ago. It was with XXXX XXXX XXXX, XXXX. When I paid this off they said that this item would be fully removed from all credit agencies. I have an email and letter confirming both. Experian is incorrectly documenting this item even though XXXX is telling them otherwise. The item shows a {$0.00} balance when in fact it should be deleted. This was paid off over 30 days ago and should be removed completely.
Consumer complaint received 2021-04-22
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. (NC)

Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have also contacted the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Consumer complaint received 2021-05-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: RentDebt Automated Collections, LLC (SC)

My name is XXXX XXXX I have received a mail from a Company that called : RentDebt Automated collections that located in XXXX XXXX XXXX XXXX, TN XXXX. 
The company have have asking me to pay off amount of {$1700.00} XXXX for a statement date XX/XX/XXXX that they've thought I owe to the listed creditor. 
The debt collector company have disrespectfully had a several attempt to contact me by phone in an unreasonable hrs from an unknown numbers. 
This debt collector company is deliberately searching for my personal information and data such as SSN, Bank account, credit cards number, addresses and contacts etc. 
I HEREBY DECLARE THAT I HAVE LEFT THE STATE OF FLORIDA AND CREDITOR 'S PROPERTY WHO THEY HAVE TRYING TO COLLECT DEBT FOR. AT THE DATE XX/XX/XXXX AND ARRIVED IN XXXX, SC AT THIS DATE! I HAVE A COPY OF THE LAST RECEIPT OF THE FULL PAYMENT THAT I HAVE MADE FOR XX/XX/XXXX BEFORE I LEAVE THE PROPERTY BY THE END OF THE MONTH XX/XX/XXXX. ALSO I DO NOT HAVE ANY AGREEMENT WITH THE DEBT AND I HAVEN'T GIVE ANY PERMEATION TO THE DEBT COLLECTION TO HAVE MY NON PUBLIC INFORMATION. 
THIS LETTER CONTAINS : 1. Copy of the mail that collectors have sent to me. 
2. Copy of the receipt that proofs the full paid amount rent for the last month XX/XX/XXXX before leaving the property 3. Copy of my auto insurance policy issue date that proofs I am in the state of South Carolina. 
I've submitted this letter as a complaint to CFPB and humbly asking for a protection against RentDebt Automated Collection who are in process of impacting my life, I also need a protection on my personal data that been breached by XXXX XXXX  XXXX, such as SSN, Bank, Credit Cards etc. In order to cause a potential problems, also I need a protection on my personal information from being forwarded or sold to any other company by RentDebt Collector. 
I understand that personal privacy, data and information of any individual who are living on the land of XXXX XXXX of America are a human rights matter, I understand that I am under such protection against any corporation/ organization who have trying to cause threats, fear, stress or potentially a negative impact to resident of XXXX XXXX or practice any bias algorithm or cause lose of confidentiality. 

Sincerely XXXX, XXXX
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (FL)

On XX/XX/XXXX I emailed my Mortgage Loss Mitigation advisor at Cardinal Financial Company, XXXX XXXX XXXX XXXX XXXX to verify that I had began making the trial payments for my Mortgage Modification that I was in the process of. 

On XX/XX/XXXX I spoke with XXXX of the Collections department, who confirmed that Cardinal had been reporting me late every month for the last year even though I had been in a mortgage modification program and was not delinquent. XXXX advised that I would have to write a letter because there was no one that she could transfer me to. XXXX acknowledged that my XXXX payment, which is currently being reported as late, was due on XX/XX/XXXX and payment in full was received on XX/XX/XXXX ; yet Cardinal Financial Company reported me 90-days late for my XX/XX/XXXX payment. XXXX acknowledged that I should have had some special reporting on my credit bureau that showed that I had been working with Loss Mitigation for my mortgage from XX/XX/XXXX - XX/XX/XXXX therefore nothing negative should have been reported and I should have had notes put on my reports of the such. This did not happen. 

I met all the payment arrangement guidelines to warrant receiving a modification of my mortgage. I have not been over 30 days late on my agreed modified mortgage payments with Cardinal since the agreement began but I am actively being reported as over 90-days delinquent of my mortgage payment every month for the last year and this is not right and it's inaccurate reporting.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

After reviewing a copy of my annual credit report, I have noticed that I have a few judgments placed in my file which is causing my credit to be less than mediocre. Both of these alleged debts have been dismissed and discharged from my pay which has caused tremendous financial hardship. Please have these debts removed off my credit for they have been harming my credit and it has prevented me from acquiring new credit.
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. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-12
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: BMO Bank, N.A. (IL)

This letter is a formal complaint against BMO HARRIS BANK NA. They have repeatedly violated the Fair Debt Collection Practices Act and have become extremely harassing. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the listed account below on my credit file and again all I receive is statements. This is already creating additional emotional & physical distress on me. I need this account removed from my credit file. The account is as follows BMO HARRIS BANK NA XXXX Balance : {$27000.00}