davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CITIBANK, N.A. (CA)

On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX requested an unauthorized copy of my credit report from XXXX ( XX/XX/XXXX ) and XXXX  ( XX/XX/XXXX ) On or around XX/XX/XXXX " CITIBANK N A '' with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX On or around XX/XX/XXXX " CITIBANK N A '' doing business as CitiBank with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX PA XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX, XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX DE XXXX requested an unauthorized copy of my credit report from XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX '' doing business as XXXX XXXX XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX FL XXXX requested an unauthorized copy of my credit report from XXXX, XXXX and XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX ( Dealer Services ) requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " CITIBANK, NA '' doing business as Citibank with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX IA XXXX requested an authorized copy of my credit report from XXXX On or around XX/XX/XXXX " XXXX XXXX XXXX '' doing business as XXXX XXXX with a corporate mailing address of XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX On or around XX/XX/XXXX XXXX XXXX XXXX with a corporate address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX requested an unauthorized copy of my credit report from XXXX On or around XX/XX/XXXX "  XXXX '' doing business as XXXX with a corporate mailing address XXXX XXXX XXXX XXXX , PA XXXX requested an unauthorized copy of my credit report from XXXX , XXXX AND XXXX
Consumer complaint received 2021-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app XXXX  Experian XXXX  All show this info that was no fault of my own
Consumer complaint received 2017-12-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (CT)

I pay for my insurance, change company but this company insist even after our over the phone conversation regarding the matter. Debt collection company promise to file my document to the collection bureaus and credit bureaus.
Consumer complaint received 2022-04-27
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2022 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. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (WA)

I applied for a Mortgage Loan on XX/XX/21 & was denied or received unfavorable rates because of some inaccuracies on my credit report. There are 14 Fed Loan Servicing Student loans that are reporting a 90 day late payment. This does not seem legal or accurate. I was under the impression that these loans were in deferment at the time, when they're saying I was late. Were payments actually due or was the loan in deferment? Was I notified in writing 30 days before these payments were due? Is there any proof that I received the notification in writing or an invoice before they reported me late? I do not recall receiving any invoice or notification from Fed Loan Servicing stating that payments were due or that I had any amount past due. If I received a letter or phone call from them, I would have made a payment. 

I'd like to request that the 90 day late payment be removed from all 14 loans. If Fed Loan Servicing refuses to correct the payment history, I'd like to see all paperwork and proof that they are reporting accurately and followed all laws and procedures to notify me before reporting me late.
Consumer complaint received 2021-04-12
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. (CA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be investigated.
Consumer complaint received 2021-01-25
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. (NY)

I mailed the first set of letters to the bureaus stating the accounts were not mine and submitted proofs stating as such. The letters were sent via certified mail and tracking history showed them being delivered on XX/XX/2020. After no response for over 30 days, I sent subsequent letters which were delivered on XX/XX/2020. Still received on response and sent more letters that were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. I realized due to the pandemic the system is slow but for a 30 day time limited investigation to take over 200 days and still no results to be mailed to be nor show on the credit report is just plain disregard for my rights and the federal law under the FCRA. This is my last option before this matter is escalated to the legal channels.
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (NC)

on XX/XX/XXXX acct : # XXXX, prior XXXX took loan out interest rate:31.876 % :  credit life insurance : {$19.00} ; personal property ins. {$32.00} amount financedXXXX.never requested life insurance that only covered the loan, and {$19.00} was taken monthly, with a termination date of insurance on XXXX.I then reported the high interest rate to consumer protection and then management, XXXX XXXX, reduce the interest rate to 19.945 % on a bill from XX/XX/XXXX, that was {$1400.00}, since XX/XX/XXXX, I only paid {$700.00} into my debt, and the rest went to Interest? Please investigate! I am a Widow of an American Veteran, a single senior citizen, I believe in a higher power that I have to answer to! But I am become vulnerable to the con-artistes in XXXX County! I had gotten behind in my payment due to homelessness that was done deliberately by XXXX XXXX, a 33  year XXXX XXXX I had a work-at-home job, that he sabotage, by burning his condo down and XXXX  his girlfriends 2 cats! I thought the property Insurance at Regional Finance would help me, but it did not! They did not help me!
Consumer complaint received 2022-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monarch Recovery Holdings, Inc. (RI)

On or about XX/XX/2021 I contacted the original creditor ( XXXX XXXX ) with regards to the debt that has been forwarded to XXXX Account XXXX to which they are attempting to collect from me in violation of both Civil and Federal Rights. 

I had informed XXXX XXXX that no one had been authorized to open an account in my name and that I did not provide my explicit consent to authorize an account for electricity usage to be opened in my name at the property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, RI XXXX. 

I further informed them that for the 5 years of my residency at the said location the electricity had always been included in the rent because the electrical wiring was not up to building code nor was the property legally wired as a 3 apartment dwelling which would allow for the appropriately apportioned calculations for each unit. Therefore, the meters that had been installed were a result of criminal activity and a violation of the states building code at the time. XXXX XXXX intentionally ignored my numerous complaints and inquiries that followed soon thereafter my initial complaint in violation of my civil rights as an individual as well as federal rights as a consumer. 

In fact, the state 's city inspector affirmed that the meters were illegally installed and remanded the landlord XXXX XXXX XXXX to conduct the necessary repairs that would bring the electricity up to code at the above mentioned property. Attached is a copy of those said violations which clearly indicate that there was a jumper cable wire that still connected the 2nd and 3rd floor unit in order for the electricity to work because, the property had never been legally rewired in order to separate the electricity and install 4 separate new meters legally. 

Once again, I explained this to XXXX XXXX repeatedly and they did absolutely nothing to resolve the situation which will most likely end up in further litigation as the electricity should have never been transferred from the landlord to the tenant without my consent nor application. Especially, under the illegal circumstances and since, the landlord could not have legally made the tenants responsible for the electricity then this is not legally my debt. 

It's been nearly a year and until this date the property 's household meter still reads XXXX which is a clear indication of why this was all illegal in the first place. This is not my debt and these mega companies are way out of line. They will not be receiving a dime!!! Thank you!
Consumer complaint received 2019-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I applied for cable service last month and denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 24 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX XX/XX/XXXX {$750.00} XXXX XXXX   XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$7100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX $ XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$3200.00} Dept Of Education XX/XX/XXXX {$5900.00} Dept Of Education XX/XX/XXXX {$3300.00} Dept Of Education XX/XX/XXXX {$2000.00} Dept Of Education XX/XX/XXXX {$1200.00} Dept Of Education XX/XX/XXXX {$3500.00} Dept Of Education XX/XX/XXXX {$2400.00} XXXX XXXX XX/XX/XXXX {$1700.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Consumer complaint received 2017-12-18
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. (CA)

We have been in touch with XXXX XXXX directly and also through your system. 
Our credit report shows two HELOC Payments late. Which is NOT Correct. 
Each month we pay our bills and are given a conformation number to prove our payment. XXXX XXXX takes another step and sends us a letter with another conformation number and our account information. We are still supposed to trust this. 
HOWEVER, We clearly have Conformation # XXXX for payment on XX/XX/XXXX for {$720.00}. Letter of Receipt from bank saying they received the payment with our correct full routing number and correct last four of our bank account. 
We have a documented conversation with XXXX XXXX Supervisor XXXX XXXX as well as her employee ID # XXXX. When we received a call that our HELOC was late, we were escalated to XXXX XXXX ( supervisor ) who explained to us that XXXX XXXX had NOT Processed the payment, through no fault of ours and that no late fees or late notice would be filed - It was purely a XXXX XXXX bank error. 

Second misreported late : We have Conformation # XXXX for payment on XX/XX/XXXX Letter of receipt from XXXX XXXX saying they received payment with correct full routing number and correct last four of our account number.

And a Note from my husband speaking with representative, same story, the told my husband that XXXX XXXX just did not process. We were contacted by XXXX XXXX saying they would look into it. 

XXXX XXXX told me they listened to recording and have no proof that we did not give them a wrong number? With all of our payments we depend on Conformation numbers to say we have made our payment, then to get a letter to say the same. Only to have the bank weasel out of taking off this MIS-Reporting because they reported the date THEY PROCESSED, which is after they noticed THEIR mistake. 
XXXX XXXX is KNOWN PREDATORY BANK. They really hurt our credit and it is NOT OKAY. Please Help Us, XXXX & XXXX XXXX
Consumer complaint received 2019-08-11
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. (CA)

I have disputed these accounts, filed a police report, and submitted a FTC complaint. I applied for cable service last month and denied, upon reviewing my credit report in XX/XX/XXXX, I noticed 24 separate fraudulent accounts ranging from credits cards to medical bills. I have been successful in removing some items but I continue to see several items showing even after my repair attempts. Account in question : Creditor Date Opened Balance XXXX XXXX  XX/XX/XXXX {$750.00} XXXX XXXX  XX/XX/XXXX {$1300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$400.00} XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX  XXXX {$600.00} XXXX XXXX XXXX  XX/XX/XXXX {$7100.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$190.00} XXXX XXXX  XX/XX/XXXX {$1700.00} XXXX XX/XX/XXXX $ XXXX {$600.00} XXXX  XXXX XXXX XX/XX/XXXX {$370.00} XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX {$780.00} XXXX  XXXX XX/XX/XXXX {$2.00} XXXX  XXXX XX/XX/XXXX {$3500.00} XXXX  XXXX XX/XX/XXXX {$3200.00} Dept Of Education XX/XX/XXXX {$5900.00} Dept Of Education XX/XX/XXXX {$3300.00} Dept Of Education XX/XX/XXXX {$2000.00} Dept Of Education XX/XX/XXXX {$1200.00} Dept Of Education XX/XX/XXXX {$3500.00} Dept Of Education XX/XX/XXXX {$2400.00} XXXX XXXX  XX/XX/XXXX {$1700.00} Clearly, these accounts are all over the place and nowhere in my real credit history do we have examples of this type of disregard for credit worthiness on my credit report. I have not applied for credit with any of these companies. Nor have I allow anyone to use my information in acquiring credit these companies. I have been a victim of identity theft, and I did not make any of these charges or create these accounts. I am requesting that these items be, removed from my credit report. I have acquired a police report and submitted it with this complaint. Including a copy of my ID, and social security card. As required in F.C.R.A Section 605B.
Consumer complaint received 2020-09-04
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.
Consumer complaint received 2020-09-21
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. (VA)

1 account with XXXX ( account for {$8500.00} XXXX is reporting a late payment in XX/XX/XXXX on my Equifax report, which is not possible because the account was paid in full BEFORE that in XX/XX/XXXX. The late payment reported has the wrong year ( should be XXXX XXXX. This is harming my credit because it appears I was late a whole year more recent than I was. I have disputed multiple times and XXXX keeps certifying to Equifax it is correct but it is not and it is IMPOSSIBLE if you use logic to review the dates of the account. It is not possible to be late in XXXX if the account was paid off and closed in XXXX - that makes no sense at all. My credit report needs to be updated to a late payment in XX/XX/XXXX instead of XX/XX/XXXX. All of the other XXXX accounts are reporting this way except 1 ( assuming it is a typo but it is causing me a lot of problems ). I need this fixed.
Consumer complaint received 2021-10-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: REGIONS FINANCIAL CORPORATION (FL)

REGIONS BANK Contact XXXX XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$11000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Consumer complaint received 2019-08-11
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: CITIBANK, N.A. (VA)

Purchased a dryer online through Sears using a Mastercard. Sears charged the card for {$930.00}. My card was immediately flagged for fraud alert by Citi MC. I called and confirmed the charge. My receipt said " Scheduled for Delivery : XX/XX/XXXX. We'll call you the night before your delivery to confirm your delivery window. '' No call received on XX/XX/XXXX. No call on XX/XX/XXXX. When I called Sears, the representative said that I HAD to call to schedule delivery. This is NOT stated anywhere in my receipt, on the Sears site, nor in my confirmation email. I waited on the phone for an hour. My credit concern is -- - Sears is violating the terms of their vendor agreement with Citi MasterCard by charging my card and falsely stating the delivery procedure. Furthermore, the procedure stated by Sears is false and misleading. I still do not have the dryer and there is no date scheduled for delivery. But, my card has been charged {$930.00}. I still need the dryer. MC is allowing vendors to operate outside of the terms of their agreement - stated here : https : XXXXXXXX. I am concerned that if i cancel the purchase - i will be charged by MC for confirming then cancelling the charge -- and Sears will hold me liable for the purchase.