davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-25
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. (GA)

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-06-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas) (OR)

The problem is XXXX. Only XXXX. I now have two collections with them and only them. I have filed at least 3 disputes with them in the last few months. They keep saying the accounts are valid despite me sending them paperwork from the companies showing I don't owe anything. I have called the companies many times and they have verified there is no account and I have paperwork which was submitted to XXXX. On the phone, XXXX told me, " it doesn't matter what I send in ''.
Consumer complaint received 2017-11-16
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BARCLAYS BANK DELAWARE (CA)

My savings account with Barclay 's bank is a matured account having been opened more than 30 days. On XX/XX/XXXX, I notice my account was restricted. When I called in on the XX/XX/XXXX, I  was asked several security questions and service was restored. Subsequently I mobile deposited several checks from the California State Treasury. On the checks themselves is written that they are valid up to 1 year from the date of issue from the California state treasury. However, when following up regarding the deposit I was told that the checks were stale dated and my account would be restricted until further notice. This is despite on the checks themselves it is clearly stated that the checks would be honored up to 1 year from the issue date. It had only been a couple of months. The representative asked me to callback in a few days, to which I did. When I called back I spoke with a gentleman who I confirmed my XXXX XXXX with. That representative said all he needs is a driver license, SSN, and a recent bank statement or utility bill in order to remove the restrictions. He told me it would take about 5 minutes. I successfully received the email from the rep and provided the documents as requested. When calling back to confirm the receipt of that documentation I spoke with a rep by the name of XXXX. XXXX said that there was no record I had called before and that no email had been sent out to me and that my account would be closed. Knowing that what she was telling me was factually inaccurate I requested to speak with a supervisor to which XXXX denied. She also refused to answer any of my questions. My concern is that my account was wrongfully closed. Additionally, I was mislead in providing documentation and personal information that was misused and not used for the purpose it was provided. Moreover, I was provided I consistant information. Lastly, legal and valid California State Treasury checks were declined without justifiable cause and the status of those checks remain in limbo due to ill service provided to me by XXXX at XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I requested a credit balance refund in the amount of {$7000.00} in XX/XX/XXXX for my XXXX XXXX XXXX. Citi issued a check in the amount of {$7000.00} on XX/XX/XXXX. Citi then stopped payment on the check without notice to me or good cause. This caused me to incur fees and costs with my bank. Citi refuses to abide by Regulation Z and fails to process the credit balance refund. The reason given is that there is an open dispute on the credit card account.
Consumer complaint received 2018-01-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (OK)

I have worked on fixing correcting my credit which is depending on agency XXXX about. I filed for a Best Buy credit card notice sent for denial was because they could not confirm it was me, so I mailed a copy of my bill with my address and name on house bill house by the way I own outright. 2 letters sent asking what is going on one call, but never got a response which stinks to have what I believe is good credit and denied for not any known reason. I wrote them and scanned my home bill in my name only and its been over a month since this happened, but they never respond at all. I did check XXXX believe it was they sent me a report but could find no issue that in my opinion would of created this or an issue or if not given credit a reason other than then they can not confirm I am who I said I am. If issue, thought they would of asked or called me or responds a least to my inquiry so I know what the reason was verse having NO IDEA why they denied me credit. I am unsure of anything other than use or nicked my credit score a few points to apply and would of a least expect a professional response vs nothing, evidentially writing to them and asking them will not get them to respond or ask question if there was or is one.
Consumer complaint received 2020-10-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (GA)

I have been repeatedly denied for a mortgage loan due to the wrong information being reported on my credit report. I have student loans and am currently in the Public Service Forgiveness Loan repayment program. According to government guidelines, a creditor ( mortgage company ) may use the payment that is reported on the credit report as the monthly debt. However, they are reporting my monthly payment as " XXXX  '' ( {$0.00} ) despite the fact that I make monthly payments. As a result, I have been denied a mortgage loan for the past two years. I have attempted to resolve this with the Federal Student Loan Servicing Agency and was told that the only thing they report to the credit bureaus is the balance and if it is paid on time. This is absurd. I have an auto loan and it clearly states what my balance is, what my monthly payment is, how long I have had the account, etc ... They are unwilling to change their practice of not reporting the actual monthly payment and as such, many of us are being denied mortgage loans. I have been attempting to resolve this issue over the past two years and it is wrong for them not to report a monthly payment amount. It makes no sense that I am paying on a loan that shows a XXXX  monthly payment amount. Does this mean that I don't owe anything every month? Of course not. Why? If I didn't pay because it says a XXXX   monthly payment, they would garnish my check and report it to the credit bureaus and my student loans would be in default. This practice of reporting a XXXX  monthly payment amount is hurting a lot of us who have student loans. We are being turned down for mortgage loans left and right despite having good credit and income. I need help as I have been waged in an uphill battle with this and can not get any resolution.
Consumer complaint received 2018-01-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I have hard inquiries on my record that I never authorized. I have a fraud alert on my account and I am to be notified when inquiries are presented. I have not granted permission to anyone to pull my credit since XX/XX/XXXX 2016. There are three hard inquiries on my credit report. I have filed disputes through the credit bureaus. But they have been denied. I recently learned of identity theft to my likeness.
Consumer complaint received 2018-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: JPMORGAN CHASE & CO. (AZ)

Chase denied credit because they " inadvertently '' made a mistake. I don't believe that for a moment. I believe it is a business practice which is convenient for them. Their treatment of people is totally unacceptable. I can only assume that the decline is due to my age as my credit is excellent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XX/XX/XXXX Executive Office-ATT : HUMAN BEING XXXX XXXX XXXX XXXX, XXXX   XXXX Dear Robot : I am in receipt of your totally cavalier, non-responsive letter of XX/XX/XXXX. I know you are totally uncaring about your customers but do you have to be so blatant? 

I have no intention of just starting your outrageous procedure all over. I need not to deal with your robot brethren. So, find a pleasant human being, if you P one. E mail me with what, EXACTLY, you need to submit this application. Try to use all the information you have on me at your disposal to avoid unnecessary work FOR ME. Remember ME? Im the customer. 

You have wasted an inordinate amount of time because of your total inefficiency. Try taking some responsibility and a starter course on manners. 

Strong letter to follow. 

XXXX & XXXX XXXX XXXX XXXX
Consumer complaint received 2016-10-06
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

On XXXX/XXXX/2016 I purchased XXXX XXXX XXXX at the XXXX store through their upgrade program. Evidently at that time I also applied for a Citizens One personal loan for the cost of the Iphones and the XXXX XXXX policy. The personal loan application was not disclosed to me and I did not receive any documents or disclosures about the loan. On Sunday XXXX I received two emails from Citizens One that I was approved for two personal loans which completely surprised me. On Monday morning XXXX I called Citizens One and spoke to XXXX. She confirmed that I applied for two loans and was approved. She state that two credit checks were processed against my credit and that I authorized the application. I told her that I knew nothing about the application and requested she send me all my loan documents, disclosures and loan application clearly showing the terms and conditions of these loans. She told me this could not be done as they are a paperless company and that I would have to go online, set up an account and pull my documents which I have no idea how to do this. I asked to speak to a manager and she abruptly responded that a manager was not available. I requested that a manager call me as soon as one was available. I am still waiting for that phone call. All borrowers should have the right to understand loans issued by any banking institution. All disclosure documents including the application should be readily available to be sent to borrowers.
Consumer complaint received 2021-09-01
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. (TX)

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission, 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2018-01-26
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: AMERICAN EXPRESS COMPANY (NJ)

I am an American Express cardholder in good standing since the XX/XX/XXXX. I disputed with XXXX a charge incurred in XX/XX/XXXX on my XXXX XXXX card against a hotel in XXXX XXXX, XXXX in the amount of {$1600.00}. Basically, I felt that I was tricked by the hotel into booking a 7-day stay for a business trip that was totally nonrefundable. And then the hotel was entirely non-responsive in addressing any of my pre-stay requests to discuss various business needs, such as assistance with hosting a business luncheon and other meetings, arranging for me to be picked up at the airport, and facilitating other transportation needs. Basically, the hotel assured me that they could support my business needs, took my money, and then ignored me. I was forced to switch to another hotel in XXXX to ensure the success of my business trip, which I did weeks before my scheduled stay. 

I provided all of the above information in great detail both in writing and orally to American Express. But XXXX closed out the dispute after simply contacting the hotel, which, of course, told XXXX that the charge was proper. No one from XXXX spoke with me, and XXXX clearly gave no consideration whatsoever to my to the clear and legitimate concerns. It is apparent to me that XXXX does not have a honest or real dispute resolution process that takes into account the concerns of the cardholder.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my frustration and disappointment regarding the numerous unsuccessful attempts to remove fraudulent items from my credit report. Despite my repeated efforts and providing ample evidence of the fraudulent nature of these items, they persist on my records, significantly impacting my financial standing and credibility. 

I first reported the fraudulent activity on [ date of initial report ] and have since made multiple requests for the removal of these items from my credit report. However, despite providing documentation, including any supporting documents, the fraudulent items remain unresolved. 

The continued presence of these fraudulent entries not only undermines my financial integrity but also creates unnecessary stress and inconvenience as I struggle to rectify an issue that should have been resolved promptly. Furthermore, the persistence of these items suggests a failure on the part of Credit Bureaus to adequately address and investigate my dispute. 

I urge you to prioritize this matter and take immediate action to rectify the situation. Specifically, I request that you : Conduct a thorough review of my dispute and the supporting documentation provided. 
Remove all fraudulent items from my credit report promptly. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
Implement measures to prevent similar incidents from occurring in the future, including enhancing security protocols and improving the dispute resolution process. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me no choice but to escalate my complaint to higher authorities and explore legal remedies to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX BANK XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00}.
Consumer complaint received 2019-05-16
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: Credit Plus Inc (MO)

I do not recognize these inquiries into my credit. 

XXXX XXXX - XXXX, KY XXXX/XXXX - XXXX, FL. 
XXXX XXXX - XXXX, MD. 
XXXX XXXX - XXXX, WIS.
Consumer complaint received 2017-09-13
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. (DC)

Equifax lost the credit report information of approximately 143 million US citizens. This breach occurred in " mid-XX/XX/XXXX ''. Equifax only learned of the breach on " XX/XX/XXXX of this year ''. Furthermore, the public was only notified of this breach on " XX/XX/XXXX Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. '' This is problem of the most extreme magnitude and highlights several key points : 1. Equifax does not have a grasp of the key components required in maintaining secret financial data. 
2. It required several months ( from XX/XX/XXXX) to even become aware of any issue in their systems. 
3. Even after discovering the breach Equifax took another 5 weeks to notify the public of their problems. 

Equifax has demonstrated it is not capable of the required technical rigor which is a necessity to maintain my financial information.
Consumer complaint received 2017-09-13
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. (AR)

Basically the credit bureau 's are reporting duplicated and some triplets of the same accounts. There a errors being reported and they have fail to correct.
Consumer complaint received 2018-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

I signed up for a free trial for XXXX XXXX XXXX, there is no way to cancel in a self-service capacity hence forcing you to call XXXX, which is a totally unacceptable practice with the online tools that are present. I called to cancel within my time period and they were closed, even though I called within the posted days and times. ( our call center is open Monday-Friday from XXXX XXXX. to XXXX XXXX., Saturday-Sunday XXXX XXXX to XXXX XXXX Pacific Time ) I called back after the next  business day and was told there was a 1hr wait time, I had to hang up around 45 mins because work called and had to take the call, I tried calling back again and it said my wait was 2hrs! So I tried subsequent days to reach someone to no avail. I received a charge for XXXX, I have since disputed it with my bank because I have had no means to reach anyone in a reasonable amount of time nor can I cancel easily.
Consumer complaint received 2022-08-11
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. (CA)

We, Experian, purchase personal data from third-party companies that collect and aggregate personal data. Data resellers collect personal data from a variety of sources, including directly from consumers, through devices and browsers, public records, news sources, and from other businesses and data brokers. How dare you be able to do that? My privacy is very important to me. I have released damages in so many wrongs with your handling of my information.
Consumer complaint received 2021-06-30
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc. (NJ)

For at least a 3 months ( my phone doesn't show farther back than a month and I can't remember exactly when this started ) this company has called me at least twice a day, nearly every day. It is a different number each time, increasing by one ( XXXX, then XXXX, XXXX ... ) so I can not block them.
Consumer complaint received 2018-06-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (NC)

My student loan servicer is XXXX XXXX XXXX XXXX. After one of my loans was reduced because of the XXXX college lawsuit I was able to pay it off. I logged in today XX/XX/18 to XXXX XXXX XXXX website where all my loan information is, to see the balance and also make a payment on my second loan belonging to XXXX XXXX XXXX XXXX. I could no longer see any account information about the loan, no loan balance at all. I called XXXX XXXX XXXX   automated system to hear my loan details, the system couldnt tell me my balance either. Its as if my loan just disappeared. I called XXXX XXXX XXXX to ask why I couldnt obtain any information about my loan from XXXX XXXX XXXX XXXX, they told me that the loan holder blocked all online access to the loan information, however they told me that that could still take my payment over the phone. I dont see how its right that a company can take payment for a loan that I have but I cant see the balance of.
Consumer complaint received 2021-08-12
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 have attached two accounts reporting inaccurately to all three of my credit bureaus, I have attached pictures highlighting everything that is reporting inaccurately. Per the FCRA anything reporting to my credit bureaus should 100 % de reporting accurate. Please delete
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (FL)

Money was removed from my Checking account with XXXX on two separate transactions from MONEYLION. I have never had any interaction with this company nor heard of them until today seeing this in my account. I contacted the company today with no results. 

ORIG CO NAME : XXXX XXXX XXXX XXXX ENTRY DESCR : XXXX XXXX : WEB IND ID : XXXX ORIG XXXX ACH debit {$19.00} Pending ORIG CO NAME : XXXX XXXX XXXX XXXX ENTRY DESCR : XXXX SEC : PPD ORIG XXXX ACH debit {$44.00}