davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I wrote a formal complaint to Experian on XX/XX/20 requesting an investigation into an inaccurate and incomplete credit information. I demanded that they remove the Chapter XXXX and Chapter XXXX bankruptcies from my account due to the fact that they were not mine. 
I did not hear from them after 30 days so I wrote them again using certified mail to remove said items from my report, but much to my chagrin, nothing has occurred. 
I have included a copy of the second letter along with the receipt of the certified letter that was sent to Experian. 
If you have any questions, I am free to discuss this situation. 

Thank you in advance for you assistance. 


XXXX XXXX XXXX
Consumer complaint received 2021-01-26
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: Experian Information Solutions Inc. (KY)

On XX/XX/2021, I mailed a letter to Experian informing the company that it is reporting inaccurate and unfair information. This was pertaining to a report made by a company called XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX TN XXXX. XXXX was hired by XXXX XXXX XXXX and they allege that I owe {$5200.00}. Experian failed to investigate my letter but instead sent me a copy of my Experience credit file with a note claiming that the debt was verified as accurate. Experian did not indicate what steps it took to verify accuracy or fairness nor did Experian provide me with any documentation from either XXXX or XXXX in support of its finding. 

I do not owe XXXX XXXX XXXX. When I moved out, my apartment was in pristine move in condition. XXXX XXXX representatives and I agreed on a move out date and never discussed any fees. Additionally, because my apartment was left in move in condition, the company was able to quickly move in a new resident. XXXX can not be doubly paid for occupancy. Both XXXX XXXX and XXXX are fraudulently attempting to collect a debt not owed. Experian is facilitating this fraudulent debt collection by reporting false, inaccurate, and unfair information.
Consumer complaint received 2022-09-06
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: CAPITAL ONE FINANCIAL CORPORATION (VA)

On XX/XX/XXXX, my credit card from Capital One ( chip ) information was used at a XXXX XXXX to make a purchase of {$18.00}. This happened while I was at home working and the card in my wallet. I contacted the bank and they said they will credit back my account, cancel my current card and send me a new one. On XX/XX/XXXX I checked my account, and the charge was credited back AND I was once again charged the {$18.00}. I contacted Capital One Bank customer service again and I was told that because the transaction was valid because the information of the chip matches my card which prevents them from returning my money. Even though I explained that I was at home with the card, and I couldn't have been in 2 places at the same time. They do not have a procedure yet in place for these kinds of cases. So, they are unable to resolve the issue and they do not have a formal complaint department. They are unable to solve fraudulent charges.
Consumer complaint received 2021-01-27
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Patrick K Willis Company Inc (CA)

A man by the name of XXXX XXXX is calling one of my colleagues with sensitive info regarding a car loan. I don't know how he knows about this loan since he is not associated with lender. He told my colleague detailed personal information regarding his call including my car make, color and year. He also gave her a file number. This is not OK! 

This concerned my colleague so much that she worried about my safety. If. you look this man up he is calling from different numbers in all states but it's always the same story. He calls from fake local numbers that are not assigned to any business. And it's never the same number. 

He harasses and uses language and collection tactics that are illegal. I have worked out a payment agreement with the lender. I tried to tell him this and he just talks over me. This man has crossed the line and has no business doing this to people. The contact number he wants you to call back on is consistent : XXXX. You can look at similar complaints at XXXX with this number.
Consumer complaint received 2015-09-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been disputing this account for more than 5 years, To resolve this matter, I hired XXXX XXXX XXXX and while this account was paid in full XXXX the creditor is reporting that the account was paid in full with the same account number and they are also reporting with the same account number that it is a negative item. 

Finally I received a letter from XXXX dated XXXX XXXX, XXXX stating that the XXXX account had been sold to Midland Funding XX/XX/XXXX. Since this account was paid in full XX/XX/XXXX, it is MORE THAN 7 years old and the good credit is the correct reporting. On each and every credit report it is duplicated and now in triplicate with Midland Funding showing up as well as XXXX with XXXX negative and XXXX positive for the same account number. 

I do n't understand why number an account that is paid in full was sold to an outside collection agency and why can both XXXX and Midland funding continue to report the same account on my credit report, although the account is paid in full and is reported on the bureau to remain as good credit until XX/XX/XXXX.
Consumer complaint received 2016-01-21
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (FL)

Ordered computer from Best Buy with my CITI credit card. {$1700.00} Cancelled order within hours of making it and within B.B XXXX ; documents.Never received product. BB has documented authorizing CITI to refund my money. I have provided CITI with extensive documentation of BB authorizing them to return my money. CITI ignores it even though they have the documentation. Documentation shows that CITI is ignoring it 's own rules by pushing back when I can get my own money.
Consumer complaint received 2016-09-22
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc. (TX)

when to car dealer and was informed on Experian I was shown cr score XXXX, then a week later cr union show the score XXXX. My question how come it when down from XXXX what I was shown to XXXX. XXXX took place on the same date XXXX/XXXX/16
Consumer complaint received 2016-03-02
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Phoenix Financial Services LLC (FL)

I owe the amount of {$770.00} to XXXX XXXX XXXX XXXX since XXXX XXXX, XXXX. Phoenix Financial Services LLC ( phoenixfinancialsvcs.com ), a Collections Agency, recently acquired this debt and they have done a Negative Re-Aging of this debt with all Credit Reporting agencies, by reporting it as a new debt in XXXX of XXXX. This is an illegal practice.
Consumer complaint received 2021-01-26
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: Experian Information Solutions Inc. (FL)

I requested the method of verification for XXXX XXXX XXXX And XXXX XXXX XXXX and all I keep getting sent to me the same verified and up dated letters. I never get a direct answer, they never provided me with any method of verification. These items are false and I want them deleted.
Consumer complaint received 2015-11-22
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MO)

I was extended an offer by American Express to get a " Blue Cash Everyday '' card with a {$200.00} rebate bonus ( as a statement credit ) after spending {$1000.00}. 

However, they only gave me a {$100.00} credit when I reached that spending level. When I called in on XX/XX/XXXX, they insisted that my offer was only for {$100.00}. When I provided the details of the offer to them, the opened a case and said to give them 10 days to investigate it. It 's now been well past that and I am now being told it might be 6-8 weeks. 

This has gone on far too long for an error that should have never happened in the first place. I certainly would n't get 6-8 weeks to fix an error in my payments without repercussions.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

Contacted customer service that my statement does not contain a Minimum payment warning table that shows how long it will take to pay off the balance making only minimum payments, as well as the payment amount required to pay off the balance in 36 months. They stated they are not required to provide any such information.
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (ID)

i tried to open a dispute with american express on XXXX fraudulent charges.they would not open it at all.i feel that they should have at least investigated into it.the company was consumer advocate services. they stole XXXX dollars from me.they totally disappeared on me and american express would not look into it.
Consumer complaint received 2022-08-05
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. (FL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of account which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX, US DEPT ED XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (IL)

I sent documents requesting to have my address and employer updated on my credit file and It was refused. I also called and spoke with someone and my request was refused after answering security questions and on hold for 45 minutes. This happened on XXXX out of the XXXX credit bureaus. XXXX did update my address but the other XXXX refused my service ( Equifax and XXXX ).
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

EQUIFAX fails to remove the XXXX XXXX ACCOUNT. EQUIFAX reports incorrectly the date of first delinquency of this MEDICAL ACCOUNT. EQUIFAX fails to verify the authenticity of this MEDICAL ACCOUNT. EQUIFAX continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Credence Resource Management ( CRM ) has reported a derogatory account of {$490.00} on my credit report, and I was never notified of this debt before it appeared on my credit report.

I have initiated multiple disputes, addressing the failure to notify me of the debt and the lack of proper time allowed for disputing inaccurate information. Despite informing XXXX and Experian of these violations, they persist in conducting automated investigations and refuse to comply with Fair Credit Reporting Act ( FCRA ) Regulations. 

On XX/XX/XXXX, I filed a complaint against CRM with the XXXX XXXX XXXX XXXX XXXX XXXX. Several weeks later, on XX/XX/XXXX, XXXX updated the balance to {$320.00} in response to my complaint. This swift adjustment suggests a lack of thorough investigation by the credit bureaus and indicates CRM 's uncertainty about the accurate debt amount.

In my reply to CRM on the same day, XX/XX/XXXX, I asked for concrete proof of debt notification and validation. They claimed to have " no record of that letter being returned undelivered and no record of me disputing the debt or requesting validation during the XXXX period. '' It's unsurprising that they have no records, considering they never sent anything. What record could they possibly have? If you sent it by certified mail, why are you unable to provide the receipt? 

However, their response on XX/XX/XXXX failed to offer any evidence of notification, lacking a certified mail receipt or any supporting documentation. Instead, CRM provided a validation of debt that contradicted the amount reported just eight days earlier ( See supporting Evidence ). 

Despite previous disputes that returned as verified, Experian failed to update the status to " in dispute. '' It is apparent that the debt was not {$490.00} nor was it {$320.00}. As of XX/XX/XXXX, an additional {$130.00} has been removed, reinforcing the assertion that the debt is neither accurate nor valid, as previously outlined in disputes that were disregarded ( See Supporting Evidence ). 

Additionally, Experian 's failure to update the status to " in dispute, '' despite multiple investigations they claim to have conducted, and the reporting of the date of last activity in different years for both XXXX and Experian further solidify that none of the involved parties are performing any meaningful investigation or verification.
Consumer complaint received 2020-05-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX ; XXXX and Transunion should not be reporting a collection/charge off in the amount of {$1100.00} on the XXXX XXXX partial account number XXXX. This account was sold to XXXX XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2016-10-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (DE)

I opened a Citibank checking account ( Account number : XXXX ) and deposited {$15000.00} on XX/XX/2016. According to the promotion, this newly opened checking account with {$15000.00} balance is eligible for {$400.00} cash bonus after 30 days. I also received new account welcome package and debt card on XX/XX/2016. However, on XX/XX/2016, I received a letter from Citibank declaring that Citibank closed my account on XX/XX/2016. The notification did n't go with a justified reason, and account balance {$15000.00} was also returned via check. 

I called Citibank customer service for a explanation, they failed to provide a reason. 
Citibank should not use my {$15000.00} for free for 30 days then closed my account to evade the obligation for paying {$400.00} cash bonus.
Consumer complaint received 2023-04-03
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: SANTANDER HOLDINGS USA, INC. (IL)

I have been trying to get this derogatory off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2015-09-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I keep getting over XXXX XXXX but they wo n't let me check my account because I 'm supposed to have online bank account but I ca n't sign into it every time I go and try to sign in to tell me I 'm not authorized call do you get the problem solved they give me a new username and password I 'll try to get on and still ca n't. I 'm being charged {$300.00} a month I will draft the I ca n't afford them on a fixed income.
Consumer complaint received 2016-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (WI)

I was the victim of ID Theft on XXXX XXXX, XXXX. The FTC Complaint form, police report and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my Equifax report. This has NOT been done. I have made countless calls to the XXXX XXXX XXXX, and Equifax with no results. XXXX XXXX has insisted they have done the electronic update twice, per Equifax instructions. Equifax has insisted they have not done this. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX of XXXX. This is the lone problem on any of my reports, and it needs to be resolved. I have decided the only way to expedite this action is to file a complaint with both parties.
Consumer complaint received 2022-02-11
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: EQUIFAX, INC. (FL)

I have tried solving this issue with XXXX XXXX and the three major credit reporting agencies before. XXXX has already deleted the account for violation of federal laws but XXXX and Equifax continue reporting. I am attaching the updated and new information, also : XXXX financial was deleted from XXXX because in fact, they are violating federal law, by reporting negative information and treating payment as late when they cant pursuant to 15 USC 1666b. I WAS NEVER LATE. You can see the inconsistencies between the updated reports from XXXX and Equifax. 
How can both credit reporting agencies have verified and validated the information when THERE ARE SO MANY DIFFERENCES. how can a so-called late payment be late 60 days without being 30 days first, how come the same creditor provide so different information across XXXX and Equifax, yet XXXX has deleted it. They all might have different investigation processes, however, the information sent to them HAS TO BE THE SAME, OR AM I CRAZY? 
THIS NEEDS TO BE DELETED IMMEDIATELY FROM MY REPORTS. THIS IS DEFAMATION OF MY CHARACTER! 
I have requested plenty of times before for Ally financial to send me the history of payments, the ledger, EVERYTHING used to " validate '' this account, and the " accuracy '' of said payments AND I AM STILL WAITING FOR IT!!!!!!!! Everyone has wiped their rear end with my demands, everyone is still violating the XXXX federal laws, and here I am the federally protected consumer hurting and being affected not only financially but emotionally and NO ONE DOES THE RIGHT THING, NOR WHAT IS REQUIRED BY THE LAW
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I initiated a couple disputes with this credit bureau starting in XXXX to try and get some inaccuracies corrected. As of this date those account are still not fixed. The bureau claimed to have verified however I know that 's not true b/c the creditor has n't verified with me and i 'm the one that is the alleged debtor. My complaint is that this credit bureau did n't update my credit accounts in question and for not completing a full investigation into the matter. These are the accounts I 've disputed : XXXX XXXX XXXX ) paid off, XXXX XXXX XXXX ) paid off, XXXX ( XXXX ) paid off & was not more then 60 days past due in the last 8 months, XXXX ( XXXX XXXX paid off & was not more then 60 days past due in the last 8 months. 

Im hoping you can help b/c the bureaus clearly dont care about me or my credit atleast thats how i feel.
Consumer complaint received 2015-09-25
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I was called to the office by my XXXX. I was advised that I needed to contact this company to avoid Legal Court Papers being served at my place of employment. To avoid this legal action I needed to contact their office. When I contacted to avoid this harassment they indicated they wanted to settle to avoid taking legal actions against me. 

This credit card is over 10 years old.
Consumer complaint received 2016-09-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

TRANSUNION is reporting inaccurate information on my credit report which is causing me great emotional & financial distress. I 've been disputing an account which reflects on their reports as XXXX XXXX XXXX / {$210.00}. I have no idea who this company it is & feel the reporting of the account in general is a severe violation of the FCRA. ALl information is supposed to reflect 100 % accuracy. I do n't know about you but this is very confusing. I 've asked them to remove it twice & they continue to claim its been verified. I 've done some of my own due diligence & think I know who the company is so I sent them a letter requesting further information as to how this information was verified & has received nothing back from them as well. Since no one is able to verify the accuracy of the information & the data furnisher has failed to respond to my request for verification as well I would like it removed immediately. Both XXXX & XXXX have both removed the alleged account ...