davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-29
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: Experian Information Solutions Inc. (GA)

XXXXXXXX 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 2023-03-24
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requirethe credit bureaus to confirm these items. 

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 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. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681.

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 an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX, XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX  : Account # XXXX XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2017-12-11
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Performance Settlement, LLC (MI)

I was contacted by XXXX XXXX on XXXX/XXXX/XXXX. They stated that they were working with XXXX XXXX to consolidate my students loans and get me on a payment plan to have my loans forgiven. They had access to my XXXX XXXX XXXX account and information. They told me I had to sign up with them to get the help needed to have my loans forgiven. I signed up thinking that they were working with XXXX XXXX and going to have my student loans forgiven. They are charging me {$200.00} upfront and then {$49.00} a month for a total of {$1400.00}. I contacted XXXX XXXX, and I found out that they had never heard of XXXX XXXX and were not working with them on my behalf. I contacted XXXX XXXX to cancel the contract with them. They would not cancel it.
Consumer complaint received 2024-02-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-07-23
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. (TX)

The account below has incorrect balance. 

1. XXXX XXXX XXXX Reported XX/XX/2020 38 % {$150.00}, balance is XXXX. 

2. XXXX  Reported XX/XX/2020 58 % Balance : {$1500.00}, balance is incorrect.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (FL)

I had {$1700.00} on my card XX/XX/2021 I went to sleep woke up my phone was stolen so I had to go get a new one I logged into my XXXX account and seeing some transactions that was made that wasn't me so I called and and disputed the transactions and so I can get to to bottom of the promble and get it taken care of and to fine out who and why they made the transactions without my permission .well for some reason american express serve card threw XXXX XXXX tax service from fraud department people denied my dispute I did on the transactions for XXXXXXXX XXXX,2021 and XXXXXXXX XXXX,2021 for the amount of {$1600.00} to XXXX XXXX for some reason. And I am so sick and XXXX out over this promble and situation that it's causing my XXXX XXXX to stay high and me to have XXXX XXXX everyday since the day this matter took place
Consumer complaint received 2020-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

The interest rate on my mortgage jumped from 4 % to 9.14 % in one month, there was no other change in my mortgage. My mortgage payment went from {$480.00} to {$700.00} in one month, I am a widow and I requested help through the company and was told that I am up to date on my payments and they could not help me. My original mortgage was a fixed rate mortgage and it somehow was changed to a variable rate.
Consumer complaint received 2020-07-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NY)

After purchasing and cancelling/returning appliances between the dates of XX/XX/2020 to XX/XX/2020. Citi Bank has overcharged me by {$550.00} I should be charged {$6100.00}, instead they have charged me a total of {$6600.00} for purchases they will be unable to substantiate. In a nutshell, Citi Banks system was unable to keep up with the charges/returns vs. the actual purchased products. They are not willing to go through each individual transaction and match them to products received by Best Buy. 

I have attempted to resolve the issue numerous times ( likely 20 separate occasions ). I have called many times as well. Even though many of Citibank 's representatives can see that I have been overcharged, no one will adjust my balance. It always ultimately results in the charges being accurate when they are not. Despite my many attempts to help the bank sort through transactions they should easily be able to tell navigate through themselves, the inaccurate charges remain. This issue started in XXXX ; now seven months laterI am beyond frustrated and ready to move on with a lawsuit, if I am unable to make headway here. 

Note : some of the excuses I have been getting from Citibanks representatives about the issues not be properly investigated is that they have a lot going with their Covid disputes. That many people have concert tickets that need to be refunded and what not. 
Additionally, I have provided the company with a receipt showing what I should be charged. I have also begged them to just reach out to Best Buy as when I speak with the reps at Best Buy, they are able to tell me exactly what I should be charged. I have also escalated my dispute to the Executive Department at Citibank. That dispute resulted in the same outcome as before. No one wants to properly investigation. 

Please help. 
Sincerely, A desperate consumer.
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

I initially disputed a few errors on my Experian report on XX/XX/2020. On XX/XX/2020 they received my dispute and never investigated my dispute. I contacted them a second time via certified mail asking them to remove the inaccuracies due to them not completing the investigation within 30 days and they still have not responded to my request. They received my 2nd request on XX/XX/2020.
Consumer complaint received 2020-07-23
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. (NV)

THE 3 CREDIT AGENCIES : XXXX, EQUIFAX AND XXXX  ALL HAVE ALLOWED XXXX XXXX TO KEEP ON A LATE PAYMENT FROM XX/XX/2020 - WHICH IS AT A TIME WHERE MY ACCOUNT WAS RESTRICTED ( RESTRICTED FROM XXXX TO XXXX ), I COULD NOT USE THE ACCOUNT AT ALL AND THEY WERE JUST ADDING " ADJUSTMENT INTEREST '' CHARGES OUT OF NOWHERE TO A BEFORE {$0.00} BALANCE & WHEN I TRIED PAYING THE ADJUSTMENT CHARGES, THE ACCOUNT WOULDN'T ALLOW IT, A STAFF REPRESENTATIVE SAID ITS DUE TO RESTRICTION AND NOT TO WORRY ABOUT IT. RESTRICTION OF ACCOUNT GETS LIFTED IN LATE XXXX AND XXXX XXXX THEN REPORTS A LATE PAYMENT IN XXXX TO MY CREDIT REPORT ON ALL 3 BUREAUS. 

YOU KIDDING ME? I NEED THIS FIXED ASAP. IM DISPUTING THIS XXXX XXXX XXXX XXXX PAYMENT HISTORY, IM 100 % ON TIME, ALWAYS ON ALL MY ACCOUNTS. FIX THIS. FIX THIS, ALL 3 BUREAUS NEED TO DISH OUT A DISPUTE FOR PROPER PAYMENT HISTORY VERIFICATION ON MY BEHALF. 

IVE ALREADY TALKED TO XXXX  STAFF ABOUT THIS ERROR AND THEY SAID THEY'VE SUBMITTED THE DISPUTE OF INACCURATE PAYMENT HISTORY TO THEIR DEPARTMENT BUT I HAVEN'T HEARD BACK FROM THEM SINCE SO IM HERE NOW. 

WANT THIS WHOLE DEAL TO BE UNDER CFPB SURVEILLANCE SO IM HERE ...
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681. 

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 an account without my written instructions.

15 U.S.C. 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make a consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

XXXX, XXXX : Account # XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX
Consumer complaint received 2020-07-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Finance Company, Inc. (CO)

I had to have XXXX  XXXX in XXXX of 2019. It was something completely unexpected and unplanned for. Afterward I had a mountain of bills from the hospital, all the separate doctors and the one in question is from the XXXX  I was regulary paying what I could afford each month to everyone who sent me a bill, up until XXXX when I lost my job due to COVID-19. I stopped receiving bills from the XXXX for some reason and therefore lost track of who I was supposed to pay and when. I had too many bills to keep track of and too much going on with COVID-19 and trying to find a new job that if someone didn't send me a bill, I didn't know I was supposed to be paying. I did not receive any notice prior to finding out by seeing it on my credit report that I had been turned over to collections. No one tried to call me as far as I know because I had to have the service shut off on my phone because I couldn't afford it. But I received no emails or notices in the mail regarding this collection or anything stating that I had the right to dispute or negotiate this debt. If I had, I would have been more than willing to work out a payment plan with this company. I have reached out the company several times to try to reconcile this debt but they have not responded to me at all. This collection has ruined my credit rating. My FICO score when from over XXXX down to XXXX. This seems very harsh and unfair in light of the fact that I have not had anything negative on my credit report prior to this, I have never made a payment late in my entire life and I worked very hard to maintain an excellent credit score. It also seems very unfair that this was turned over to collections in the middle of a pandemic when so many people were out of work and struggling to make ends meet. Most companies had payment extensions in place and were forgiving about late payments. I need to negotiate this debt because it is more than I can afford given my current financial situation and I need this collection removed from my credit report because it is completely unfair and not a true reflection of my credit worthiness. I have been more than willing to work something out this whole time, it is through no fault of my own that this company has been so unwilling to communicate and work with me on this.
Consumer complaint received 2023-01-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo Mortgage on a refi application, charged a ton of fees and did not explain why they took 6 months to decline and my credit score was more than high enough. This is from XXXX or XXXX. Appealed and they still declined without explanation. I want my fees returned.
Consumer complaint received 2020-08-31
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc. (AZ)

AA Recovery contacted a relative and left voicemails and spoke in person, revealing specific details about my payment arrangement, the original debt, and pending payments. I made an initial payment on XXXX and had a payment scheduled for XXXX. I rescheduled the second payment to XXXX. On XXXX, AA Recovery attempted to process the payment anyway. After this payment did not go through ( as it was not the amended payment date ) AA Recovery called an unauthorized third party multiple times. Contacting AA Recovery regarding this on XXXX, I was told that the person I made the arrangement with was no longer with the company, and the case was assigned to the person who violated my privacy. The manager took over the case from that phone call.
Consumer complaint received 2020-07-23
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)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
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 — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This is XXXX follow up complaint. I had a issue that was reported to the XXXX XXXX  police dept. I filed a complaint with the FTC over someone using my information to get accounts and loans. Someone recently was able to apply for several loans. I live in XXXX my ID is being used around the country. Please remove the following accounts and inquires : XXXXXXXX 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 2019-11-01
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. (NJ)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-01
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. (NC)

I recently retired and I relocated from XXXX XXXX, XXXX  to XXXX, XXXX. As detailed in the attached letter to Citibank, I used a moving company named XXXX XXXX XXXX XXXX for my move and incurred {$3100.00} worth of charges from XXXX XXXX although no services were rendered. XXXX XXXX maintains that I signed a contract and that they provided a 3rd party mover but the mover they provided tried to extort me for {$9000.00}! 

I originally based my dispute on the fact that I tried to cancel the job after the demand for {$9000.00} but after speaking with a fellow named XXXX in the Citi disputes department he advised that I would not win the dispute unless I resubmitted my dispute paperwork as no services rendered, so I resubmitted the paperwork as advised. 

The Citi dispute department has sided with XXXX XXXX for both of my disputes ( see attached dispute letter ) based on the fact that a contract was signed. They claim that they are bound by the Federal Credit Card Act and that only my original dispute can be investigated and they can not reverse the credit card charges because a contract was signed. 

I took my grievance to the Citi CEO 's office ( see attached ) but the outcome was the same, the contract took precedence over all else. 

However, I was in contact with the Federal Motor Carrier Safety Administration and they gave me a list of moving brokers responsibilities and the broker was in violation of the following- They did not provide me with the FMCSA Rights and Responsibilities Booklet or the Ready to Move brochure. 
They did not provide me with a list of moving companies they use. 
They did not furnish a written agreement with the 3rd party mover they used ( the 3rd party mover told me they have nothing to do with XXXX XXXX ). 
The mover must perform a physical survey if within 50 miles of the location, they did not. The only survey performed was when they showed up on the move day demanding {$9000.00}! 
Based on theses violations of the broker 's responsibilities I contend that the broker voided the contract. However, Citi still sides with the broker and maintains that unless the broker agrees to a refund there is nothing they can do. Since XXXX XXXX is obviously a corrupt company, they have no intention of agreeing to a refund. 

This is not fair that a company that did nothing but arrange for a group of extortionists to arrive at my apartment demanding {$9000.00} can be allowed to keep {$3100.00} because a fraudulent contract was signed. How can Citi side with this broker after seeing that the original estimate went from {$3900.00} to {$9000.00}! 

As retired person this loss of {$3100.00} is a tremendous blow to me and I hope that something can be done or some advice given in the hopes that I can recoup some of my loss. 

Much appreciated ... Regards, XXXX XXXX
Consumer complaint received 2020-08-31
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. (NY)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Consumer complaint received 2021-04-09
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. (FL)

F A C T-Experian does not allow me to add the TRUTH- Never late! Negative due to XXXX XXXX XXXX. ich was originally posted years ago and subsequently removed by them. Now I ask how can anyone believe what they claim? Yes even with their so called add additional information they do NOT allow it. WOW. We certainty know what they do by their works. In fact this is XXXX say one thing but actually deney comments due to their own perception even when the bank reports incorrectly as their report has been for years and is even now! Need I point out continually the wrong info?
Consumer complaint received 2020-11-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (NC)

Amerisave Mortgage previously returned my {$500.00} app fee but also stated that there were not 2 loans, but only 1. Yesterday, XX/XX/20, I called XXXX ( XXXX ) XXXX re : my loan number ( XXXX ) with XXXX because of some up-charging on my auto draft from my bank that I found on XX/XX/20. XXXX informed me Amerisave made two ( 2 ) requests for payoff for 2 loans with Amerisave. Something is not right here with Amerisave. I have to wonder if this makes them more money somehow as this was done without my knowledge or consent. What possible reason would a person refinancing have to ask for 2 seperate loans to accomplish a single purpose!!!! This question has to be answered : " Does this happen often with Amerisave in order to make them more money on loans? '' I think they owe me {$60.00} for my trouble and XXXX XXXX XXXX. Please feel free to check with XXXX. I am outraged this could be happening to people like me. Are there others?????