davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Hillcrest Davidson & Associates (NV)

Hillcrest Davidson and Associates representative names XXXX was put on the phone to discuss a debt issue with me, he demanded payment immediately otherwise he will damage my credit. I tried to explain the situation that this XXXX account is for business and my boss is the one who is responsible for this and I was proactive with XXXX and get all written notice to XXXX within the timely fashion but the XXXX XXXX XXXX company decided to send to collection anyway. After trying to explain to XXXX, he was rudely refused to wait, and threatening to damage my credit if I am not giving him payment, then I asked them for the amount owed and telling him that I will tell my former boss to send payment, and that still does n't make him satisfied unless I pay him right away. Then I told him that according to FTC, and consumer right to request a written statement mail to my mailing address which I offered to give XXXX but he refused to give me any statement, and hung up the phone. I called him back couple times after, and verbally requested a letter with his firm and amount owed so I can forward to my former boss. XXXX again refused to give me anything. I told him that I am not trying to avoid the payment but I need to contact XXXX and local installer to get to the bottom of this but XXXX did not want to hear anything or give me anytime to gather all of my documents. The way XXXX talked to me was rude, unprofessional and unethical.
Consumer complaint received 2016-05-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (MO)

I have recently paid of my loan to Sallie Mae. In the process of doing so I ended up with a credit. I called to receive my credit and have my account closed. I was told that it had to go through a billing cycle and the check would be mailed and account closed at that time. They told me it would be in the beginning of XXXX. It is now XXXX and I have not received the check, nor has the account been closed.
Consumer complaint received 2021-06-03
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: Credit Center, LLC (FL)

Credit Center , Inc is attempting to collect a debt that does not belong to me. Credit Center , Inc. is reporting a delinquent collection account to XXXX XXXX XXXX XXXX  that does not belong to me and is reporting incorrectly as if it does. It's hurting my credit score and I need this removed immediately. I've attempted to resolve this by contacting the company asking for validation of this alleged debt. I sent out correspondence ( debt validation letter ) via USPS mail on XX/XX/2021. I have yet to receive any form of sufficient validation of this debt, or any correspondence at all from Credit Center, Inc. I am requesting legal action to terminate this account immediately and have it deleted from all major credit bureaus. Thank you.
Consumer complaint received 2015-07-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (MI)

Mailed a written request to Experian to remove line items from XXXX regarding a paid off student loan due to the fact that the US Treasury intercepted a forwarded an extra payment to my student loan account and it was not reflected on my file, even though I had the documentation. On XXXX XXXX I received a final response from Experian stating they " verified item was mine '' ... .That was never in dispute, what was, was the accuracy of the record and as it did not reflect the all documented transactions on my file should of been deleted. On XXXX XXXX 2015 I filed a Summons & Complaint with XXXX District Court in Michigan regarding this matter.
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

On XXXX/XXXX/15 at approximated XXXX ET, I attempted to receive my free annual credit report from TransUnion via XXXX. After accessing TransUnion 's site and verifying my identity, I was presented with a copy of my current credit report. I immediately clicked on the link to save a copy of my report as a PDF and was redirected to a page notifying me of an error. When I attempted to return to my report via the back button, I was told that the information was no longer available, and I was redirected back to XXXX. I then tried to re-access my TransUnion through XXXX, but was told that I was inelgible to do so since I had already " accessed '' my annual report. 

Clearly my access and ability to view and confirm the validity of the report was extremely limited based on an error with TransUnion 's site or backend systems, and I feel that I have not truly been provided with a report in accordance with FCRA.
Consumer complaint received 2016-08-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (HI)

I signed up a CITIGOLD account using the offer code XXXX for XXXX XXXX XXXX miles around XXXX/XXXX/2016. I have complete the requirement to earn the reward, which is one bill pay in two consecutive months and make {$1000.00} in debit card purchases within 60-days as well. However, due to recent data points online that a lot people are receiving the indicated bonus, I contacted CITI, which they refused to honor the deal.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NV)

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 U.S. Code 6802. XXXX : # Account : XXXX, has violated my rights. 15 U.S. Code 6802. states A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. In previous communication with XXXX I was instructed that " Enclosed is a copy EDs privacy notice which states that, for everyday business purposes- such as to process your transactions, maintain your account ( s ), respond to court orders and legal investigations, or report to credit bureaus, we do share your information and YOU MAY NOT OPT-OUT OF THS SHARING. '' This is clearly a violation of 15 U.S. Code 6802. B, I was not given the option to direct my information not disclosed furthermore I was not given an clear explanation how to exercise my nondisclosure option. I have attached their response and highlighted the violation This negative reporting has caused tremendous hardhship on myself and business. The negative reporting has caused me to be discriminated against due to credit worthiness and had adverse effects quality of Life. I am demanding this account be removed from consumer report immediately. In the event this matter is not resolved I will be forced to escalate this process and file a complaint against XXXX and their Trustee with the FTC.
Consumer complaint received 2021-04-29
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. (TX)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2016-11-22
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MI)

Dear CFPB Staff, I have citibank Credit Card for more than several years with credit limit of {$7000.00}. Last XXXX 2016, I made a minimum payment as {$180.00}, then on XXXX, XXXX 2016, I made another payment of entire balance of {$6800.00}. That will pay off the balance, then I closed my account. On XXXX, XXXX 2016 I called in to talk with Citibank representative to make sure my account pay off and close. However Citibank staff told me I needed to pay the last interest charge of {$24.00}. I then paid anther payment of {$24.00}. 
As single Mom with XXXX kids, I worked hard to take care a lot of thing, surprisingly I got the email from Citibank again and asked me to pay another {$31.00} dollars. They told me because I still owed them {$0.00} ( XXXX cents ) and I did not pay them therefore I charged me for late charge and other thing. I then decided to pay them {$31.00} on XXXX, XXXX 2016. I did call in to dispute but everything talking to them it took me more than 45 minutes, I then decided to pay them {$31.00}, but this month XXXX they billed me another {$31.00} they told me because they charged me late fee again ... I have no clue why this big Bank abused the law and overcharge and rob the poor us citizen like me. 
It is not big money but it is a against the law and why the big bank continues to cheat and steal the money from poor Citizens. I am please to ask your help to investigate this illegal overcharge the consumers and steal money from people. Since the account has been closed, I do not have a full credit card numbers. I Only have the last four digits of the card. Therefore, I provide you my ss # XXXX XXXX. This is not big money but it is against the laws and it needs to be stopped sooner rather than later otherwise Citi bank will continue to abuse the laws and use illegal business practice to steal and cheat consumers. 
This is my credit card information Citi Forward-XXXX. 
My name : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: BMW Financial Services NA, LLC (FL)

XX/XX/XXXX  I mailed an affidavit of truth, exhibits of violations, invoice and notary presentment to XXXX XXXX XXXX a division of BMW Financial Services NA , LLC. This company is in violation of selling and transferring my information in connection to my consumer credit transaction without my direct consent. Failed to provide me remedy for the fraudulent activity connected to my account.
Consumer complaint received 2021-01-26
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. (MD)

I paid off my car note with XXXX XXXX in XX/XX/2020. However, since that time they have actually been reporting that my account has been late, and still show that I have a balance owed. I even have a letter directly from XXXX that shows I have no balance left on this account, and that it was paid in full in good standing. I am not sure what the problem is in regard to why XXXX is unable to report this account accurately, but I have now waited nearly 4 months for their company to properly update my credit report. The account number is XXXX.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (OH)

I had applied for XXXX XXXX XXXX XXXX More Credit card from Citibank and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to refund of up to {$650.00} incurred towards purchase of new cellphone from XXXX XXXX XXXX after consumer spends {$2000.00} within 3 months. I purchased an XXXX XXXX XXXX from XXXX XXXX XXXX XXXX for {$740.00} at XXXX XXXX, Ohio on XXXX XXXX, 2015. I promptly faxed the receipt to Citibank Customer care ( Fax No XXXX ) around XXXX XXXX, 2015. The same had been acknowledged by Customer care as well as XXXX XXXX, Executive Response Unit from Citi Bank. I met the purchase target of {$2000.00} within 2 months instead of stipulated 3 months. However, I am yet to receive my refund of {$650.00} from citi bank. Every follow up is met with standard reply that it will take effect in next billing cycle. Today, I have been informed by citibank that they do not have the Fax copy of my receipt and would like me to send it back in order to avail the offer. I feel I have been cheated by the fraudulent advertisements of citibank and Citibank is intentionally misplacing documents to avoid paying the refund amount of {$650.00}. Please initiate suitable action against citi bank for fraudulent activities. Please find a similar CPFB case logged earlier for the same card ( Case # XXXX ). XXXX XXXX XXXX from CitiBank had called up and expressed false intent to resolve the issue. However, subsequent calls barring one customarily lands up on her voicemail which she never cares to return back.
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

Southwest Credit is reporting on my credit reports that I owe them {$150.00}. I have never heard of this company nor do I have any debt with them. They said they are collecting on behalf of XXXX. However, I haven't had a XXXX account in over 10 years and that account was closed and paid in full. I asked Southwest Credit to provide proof that this debt was mine back in XX/XX/2018. The company has yet to respond nor do they follow up with my request.
Consumer complaint received 2016-05-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (OR)

I received a call from XXXX advertising their services and offering if I signed up with them they would give me a free tablet. I agreed to their services. They came out to hook up the cable and I asked for the tablet and they said I did n't get one. They lied to me. I told the person hooking up my cable that I did not want their service. the next day I returned the box, modem everything that they left. 
I called XXXX on XX/XX/XXXX once I saw I had a collection from them. They told me that I never called them and canceled my service with them so they billed me for 3 months and than sent me to collection. I did cancel my service and I returned the equipment and canceled my service again. 
I never received anything from the collection company notifying me that I was going to collection.
Consumer complaint received 2017-05-24
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. (TX)

I have been disputing inquiries with all  XXXX  bureaus since    XXXX  2017 .   My initial dispute for VALIDATION was online and the results came back as " verified ''. When I called in    XXXX   XXXX     2017  to clear up that I asked for VALIDATION not verification and to inquire on what proof they had in accordance to FCRA reporting rules that the inquires were " verified '', I was told that I had to dispute them with each company. I reminded them that according to FCRA rules, it is the burden of the reporting agency to report accurate information and be able to prove such accuracy if asked and if they can not furnish such proof they are obligated by law to delete it and in return to my statement I was told again I needed to call the creditor. I then disputed the inquiries with the creditors and received the same " verified '' dispute status. I then initiated ANOTHER dispute  XXXX   XXXX ,  2017  in writing asking AGAIN for VALIDATION and the  XXXX  bureaus returned with the same " verified '' notification but no one has proof as to me actually applying for these accounts. I furnished the bureaus with a identity theft report and continue to ask them to show me the proof that the inquiries are verified. It has now bee n 60plus days and 3 disp utes later and no one including the original creditor can show me proof I applied for these accounts nor credit issued for any of the questioned inquiries. the  XXXX  bureaus are in violation of FCRA rules and need to remove the inquiries or show me indisputable proof that approved these inquires or delete them. I HAVE ALSO RECEIVED CONFLICTING REPORTS FROM ALL  XXXX  BUREAUS, ONE MINUTE THE INQUIRIES WERE GONE AND THEN RETURNED. I have a paper report of them being gone but online they are there, then I received another report where they are there AGAIN. When I called, I was in contact with a agents who barely speak English and I was told it was a glitche in the system and they do n't know what is reporting correctly because of the glitche but the REFUSED to remove them nor can prove they were initiated by me. Attached is a list of hard inquiries not approved by me and identity theft report. Please just remove all hard INQUIRES, it is prevented me from obtaining a mortgage.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have inquiries on my Transunion report that showed back up on XXXX/XXXX/16. Apparently they had some sort of error in XX/XX/XXXX and they never informed me and now all these inquiries are on my report that should n't be. I called them I keep being told they do n't know what I 'm talking about. I would like those inquiries removed immediately.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and connot verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified, '' that i have disputed. Please resolve this manner as soon as possible. Thank you.
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NY)

I have asked the Credit Bureau on numerous times for validation in accordance with Fair Credit Reporting Act. I have asked for a copy of the original contract bearing my signature. I have never received that. Also explained that i have not received any credit or services from these inquiries or have any of them extended any credit to me. So they should be removed as i do n't have any obligation to them or any lines of credit from these companies.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (NY)

GM Financial is reporting erroneous lates on my credit file. They are reporting lates for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and lates all through out XXXX. During this time i was affected by COVID an was un able to make full payments. I called and try to make partials payments but the representative refused to take my payments. I was trying to get back on track and give GM the little bit i had but again they refused to work with me. I am very disappointed that even during a hard time and while we were all in a global pandemic they weren't willing to help. I would like these lates to be removed from my credit file. I was not late, i tried to make my payments but they refused to work with me!
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OH)

I was sued in small claims court in XX/XX/XXXX for additional payment for excavating work. The County Court Judge 's decision halved the claim from approximately {$2200.00} to {$1100.00} in favor of the Plaintiff. I took the case to XXXX and had the amount reduced further to $ XXXXXXXXwith the plaintiff paying the court costs. I paid the plaintiff {$700.00} in XX/XX/XXXX which resolved the case. A copy of the court order disposing the case is enclosed. Theser reports should follow up on court cases until they are resolved not list them forever in their credit report even though they have been resolved
Consumer complaint received 2015-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

this I a account from XX/XX/XXXX I got hurt at work XX/XX/XXXX I am permant XXXX had XXXX insurance on it that should have paid it in XXXX it keeps going from XXXX place to another now the lasts XXXX is changing dates saying open XX/XX/XXXX that is false it was opened in XX/XX/XXXX they keep trying to make it new, it is 8+ years ago I am so tiered of getting XXXX I bought insurance never thinking I would use it and then got hurt at work and should have been done long ago!
Consumer complaint received 2016-03-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Apelles, LLC (CA)

Repeated attempts to cancel an XXXX XXXX account were ignored. They continued to bill even though they were notified that the account was not wanted and that their equipment was not operational at all for months and perhaps years prior. I completed XXXX 's request to receive the account holder 's death certificate in order to complete the cancellation of the account as well as receive the refund they stated they would send for amounts paid since the death of the account holder. But XXXX still sent the account to collections. So this complaint is to XXXX XXXX XXXX as well as the collection company that accepted the account for collection as the so-called debt does not exist and in fact an amount is owed to the account holder 's estate. XXXX needs to allow accounts to be cancelled when it is requested to be cancelled and not continue to bill for services it is not providing. The CFPB must step in in this instance to cease this behavior as I 'm sure this is not the only instance of them continuing to bill for services that are not being provided and continuing to bill after they have received a request ( in this instance many requests ) to cancel the service. Otherwise, consumers will continue to be harassed with being billed for services not received and not wanted which of course is absurd.