davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

In XX/XX/XXXX, I noticed my credit score drop from XXXX to XXXX. Upon looking into the 3 credit bureaus : XXXX, Equifax, and XXXX, the only negative remark they have is from my XXXX account based on the following : late payment in XXXX and high credit amount of {$270.00} on XX/XX/XXXX. These negative remarks have been on my credit report for the past 6 years. This being the only negative remarks on my reports, there is no reasonable explanation as to why my credit score dropped almost 30 points in these recent months. I already submitted disputes with no favorable resolve. I also contacted XXXX  and they have not made any other types of reporting to the bureaus. I can't get a hold of anyone on the phone to explain this drop in points to me. I also have low credit utilization on XXXX  ( a XXXX  balance for the past 2 years ) and less than 14 % on my other credit card XXXX. My loans have been decreasing significantly this year. I am extremely displeased with these credit bureaus. PLease help.
Consumer complaint received 2020-10-27
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In XX/XX/XXXX, I noticed my credit score drop from XXXX to XXXX. Upon looking into the 3 credit bureaus : XXXX, XXXX, and TransUnion, the only negative remark they have is from my XXXX account based on the following : late payment in XXXX and high credit amount of {$270.00} on XX/XX/XXXX. These negative remarks have been on my credit report for the past 6 years. This being the only negative remarks on my reports, there is no reasonable explanation as to why my credit score dropped almost 30 points in these recent months. I already submitted disputes with no favorable resolve. I also contacted XXXX  and they have not made any other types of reporting to the bureaus. I can't get a hold of anyone on the phone to explain this drop in points to me. I also have low credit utilization on XXXX  ( a XXXX  balance for the past 2 years ) and less than 14 % on my other credit card XXXX. My loans have been decreasing significantly this year. I am extremely displeased with these credit bureaus. PLease help.
Consumer complaint received 2020-12-09
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. (IL)

Hello! 

Really appreciate your help! 

Not that it matters, but I've had my identity stolen a few times. Great. 

I'm trying to file a dispute for another identity stolen/collection that's not mine. For the  5th time, I try to connect with XXXX  & Experian via ( calls and web portal ). 

1 ) XXXX  Via online, I'm met with this message : XXXX We appreciate your patience while we resolve this issue. 

What to do now : Please try again later. 
If this problem persists, please contact our XXXX XXXX  XXXX  team. 
If this problem persists, you may want to wait at least one hour before trying again. 
XXXX Via the phone, I'm met with infinite call wait times, and a system that DOES NOT HAVE A CLEAR DISPUTE RESOLUTION NUMBER OR NUMBER TO SELECT. 


2 ) Experian When I try to initiate the dispute online, I'm told to call XXXX. When I call, I'm met with another automated voice system that DOES NOT HAVE A DISPUTE OPTION OR NUMBER TO SELECT FOR MY DISPUTE ISSUE. 



So, I can't even initiate disputes with XXXX  & Experian for Fraud, Collections, and having my identity stolen which is killing my credit score. 


Thanks, XXXX XXXX XXXX
Consumer complaint received 2023-01-19
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. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete these immediately in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-10-27
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. (TX)

A Credit Reporting Agency ( CRA ) sent attached letter reflecting the statement " Your written authorization may not be required to constitute permissible purpose. '' Per Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] of the FCRA reflects : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or Are CRA 's relying upon # ( 3 ) for the verbal permissible purpose? If so, should the person be listed on inquiries as the one responsible of pulling credit? If not, what part of the FCRA Section 604 is the reason for the statement " Your written authorization may not be required to constitute permissible purpose ''? Does the FCRA then allow for that person to share with others? 
Are verbal permissible purposes to a person wise in this time, 2020, of rampant identity theft and fraud?
Consumer complaint received 2019-05-16
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. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All XXXX major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.Please remove the following items that are being reported incorrectly and not properly investigated : Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2020-10-27
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: CAPITAL ONE FINANCIAL CORPORATION (IL)

On or around XX/XX/2020 around XXXX XXXX  CDT I contacted Capital One to inform them the attached account number ( XXXX ) as an account unknown to exist to me had a statement reach my home ad

dress via US Mail and had my name listed as the account holder. Capital One through the course of a two hour phone call and several transfers between departments came to realize that the account in question ( attached statement ) did not have my social security number associated to it. Instead it seemed to be another member of my household 's account as their social security number was associated to it. I was told on the phone that I was not responsible for the account and that I should instruct the member of the household to pay said account. I was also told that I would not be responsible legally or on my credit report for the delinquency of the account. 

On XX/XX/XXXX I became aware that my XXXX  credit report was showing a serious delinquency on the account in question despite not being associated in Capital One 's system as under my social security number.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

Fraudulent card opened under my name with the following information. Citibank is not able to find and close the account. It is a case of identity theft. 

A new account has been opened XXXX XXXX, 2017 Address XXXX XXXX XXXX   XXXX XXXX, SD, XXXX Account Balance {$110.00} Account Number XXXX Creditor Name CITICARDS CBNA Industry Type All Banks
Consumer complaint received 2021-08-18
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BBVA FINANCIAL CORPORATION (TX)

BBVA reported a delinquent payment of my mortgage to credit reporting agencies. I had autopay set up on my account. When the funds ran low, I replenished money in the account. My service agreement with BBVA state that they then have the discretion to pull the funds for the payment. However, they did not pull the payment despite funds being in the account and did not notify me that they would not be pulling the funds and instead counted this as a late payment despite the funds being in the account. Their representative XXXX XXXX berated me on the phone and lied to me about BBVA 's discretion to pull the payment. When I confronted her about the lie, she escalated to her manager XXXX XXXX who closed the case without ever speaking to me. I recorded our conversation with XXXX 's knowledge where she denies lying to me.
Consumer complaint received 2021-08-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (IL)

i have recently put a identity freeze on my report because of fraud there is an account in collection in XXXX that is reporting in collection the creditor name is " Americollect Inc. '' i believe that this is in regards to a medical bill, but i have not seen any doctors this years. i tried calling XXXX to let them know this but no one got back with me
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

Letter dated XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX regarding Personal, Secured Loan from XXXX that was Paid, Closed, NEVER LATE- the 3 Agencies had Reported incorrectly with showing Late Payment. 
Submitted the Letter from XXXX XXXX XXXX XXXX dated XXXX XX/XX/XXXX to all 3 Credit Reporting Agencies and ONLY XXXX  corrected the information to report properly ... TransUnion and XXXX  now have Reported as 2 Late Payments, and showing as NEGATIVE Account ... 
Both TransUnion and XXXX  make obtaining Report OnLine impossible. 
TransUnion asks what County I lived in 23 Years ago- yet can't report correctly information from a letter sent to them 6 months ago. And XXXX  was breached, and I have no assurances that they should have my personal information- but they could at least update the Correct Information when provided to them- and it should NOT take over 6 Months.
Consumer complaint received 2020-12-09
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. (SC)

IVE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES.IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND UNQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

My complaint is regarding my Citi bank XXXX XXXX Citi Card ending in XXXX the name on the account is XXXX XXXX XXXX XXXX and the zip code for the card is XXXX. The billing address is XXXX XXXX XXXX, XXXX, XXXX  TX XXXX. 

Since I opened this MC more than 3 years ago, I have it set up to auto draft, in amount of full statement balance, from my XXXX  account ending in XXXX. 

I do not receive paper statements from Citi Bank. 

This XXXX when I checked account activity it showed I was still set up for auto-draft and my bank account information was up-to-date. However, my account showed a 'late payment ' warning, and a {$60.00} late payment fee for a {$20.00} statement balance. 

Autodraft prevents my account from EVER being late, if Citi bank is following the contract. In addition, if they decided they needed to stop autodraft, for any reason, I should have been notified. 

I attempted to contact Citi bank in a variety of ways. Their phone auto message indicated they did not have customer service reps. answering calls, and suggested I down load an app for communication. I down loaded the app and texted a message ; they company did not respond. I emailed and started a 'chat ' with a rep. on line through an account link. The message from the app was as follows : " sounds like you need to talk to a customer representative. They are no longer available at this time. Please tell us how we are doing. '' I am worn out from this customer indifference and wish to close my account, but can not get through to do so. Adding insult to injury, the {$20.00} service on the credit card, for " XXXX XXXX, ' was a recurring service I canceled a month ago and should not have been charged for. I can not imagine that the Virus is a rationalization for Citi bank to charge random late fees when payment is not late ; surely this breaks federal trade laws? 

I welcome your advice and look forward to hearing from you. 

XXXX XXXX I can be reached by Phone : XXXX ; email : XXXX ; or mail : XXXX XXXX XXXX, XXXX, XXXX, TX XXXX
Consumer complaint received 2020-12-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A. (UT)

In late XX/XX/2020 I received in the mail a PIN disclosure letter from " XXXX XXXX XXXX, XXXX XXXX, TX XXXX. '' Seeing that it was from " XXXX XXXX '' I was immediately nervous as I know I have no open account with Citibank, nor have I requested an account to be opened. The next day, I received a debt card in the mail. This was clearly from Citibank. I did not activate the card and I immediately checked my credit. I saw no report of anything new from Citibank on any of my credit reports. That night I looked up Citibank 's phone number online, called and checked into whether they had an open account with me via their automatic phone system. None of my information was registering in their system. I presumed it was deceptive advertising and moved on. Then on XX/XX/2020, I received in the mail a check book from Citibank. This is when I called Citibank and angrily told them to close this account. They forwarded me to their " fraud department '' and closed the account. The reason for me contacting cfpb is that I don't believe this was fraud from an individual stealing my identity. If someone was fraudulently opening an account in my name, why would they open it with my current address? I believe since my credit is frozen with all three major credit bureaus and there was no trace of any inquiries on my credit reports which is usually present when I set up an account, I believe that Citibank set up this account with my personal information without any authority from me seeing if they can hook me into activating the account. Similar to what XXXX XXXX was caught doing recently. If this is something that other customers are reporting, I want to add my voice and report Citibank for deceptive account practices.
Consumer complaint received 2020-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA (TX)

Due COVID-19 has a hardship from XX/XX/20 to XX/XX/20 I was not working and got sick, which cause me to fall behind the following dates : Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX I have called to see if they can see if they can help me get back on track. The account is closed and I am making my payments on time. They told me to do a dispute so they can get removed from credit report.
Consumer complaint received 2020-10-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person
Consumer complaint received 2020-04-25
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. (IL)

I have multple Incorrect address on my credit report that I need deleted from my credit report immediately as these addresses do not belong to me. 

Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX, My CORRECT address is XXXX XXXX XXXX, XXXX IL XXXX. I ask that you please correct this information. 

Also the following inquiries are incorrect and should be deleted from my reports immediately : XXXX XXXX  XXXX  - XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, Thank You
Consumer complaint received 2017-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

Violations of public policy have occurred in operation of this account. 
Information regarding all loans is reported inaccurrate. 

Total Loan Amount Original Terms and rate option Original signed contract from origination year XXXX to current year XXXX require immediate Validation. 

Lawful Request.
Consumer complaint received 2022-07-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery LLC tried to sue when I have EXEMPTED INCOME after I had to go to the court house to show that after the fact the court dismissed in. The reporting of this debt has been on my credit report for over 3 years.
Consumer complaint received 2021-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp. (CA)

Took out an installment loan for XXXX XX/XX/XXXX. Was allowed to skip 2 payments in XXXX due to pandemic. Pay XXXX twice per month. The original end date of the loan was XX/XX/XXXX. The two missed payments were to be added to the end of the loan. I have paid in over {$6000.00} for a {$2500.00} loan. I am now told I need to keep paying until XXXX of XXXX. That would amount to additional {$3800.00}, bringing the total to almost {$10000.00} for the {$2500.00} loan. After complaining they agreed to settle for {$1000.00}. I don't think that is fair. They also would report the account to credit as a settled account hurting my credit. I feel I have more than paid back this loan. Any help would be appreciated. I don't want my credit damaged. Thank you.
Consumer complaint received 2020-04-25
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Americor Funding, LLC (AZ)

I received a pre approved offer in the mail for a debt consolidation LOAN. 

The representative repeatedly kept referring to this as a loan while soliciting a monthly payment that would be set aside to settle these accounts. 

They were using extremely deceptive and false claims about my current credit score and credit profile. I am concerned that other consumers less savvy regarding these issues could be easily duped by their process causing severe damage to their credit profile.