davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (RI)

In accordance with the Fair Credit Reporting Act. Experian, XXXX, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681, Section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : 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 2022-01-19
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (LA)

I have reached out to NATIONAL CREDIT ADJUSTERS twice regarding an account with XXXX XXXX and XXXX XXXX I told National Credit Adjuster and XXXX XXXX several times, this account does not belong to me. National Credit Adjuster is still reporting false information to my credit report. They can not find me with documentations to show it was me such as a signed statement owning the account. Everytime I call, the agent has a very nasty attitude with me and being very forceful and threaten to sue me if I do not pay an account that does not belong to me and they wont send me proof that this account is mine. 

For XXXX XXXX, I have asked them for XXXX XXXX contact information and they are claiming they do not have it. I do not understand if you own this account, why you do not have the XXXX XXXX contact information. I googled XXXX XXXX customer service number, they can not find an account that belongs to me. NATIONAL CREDIT ADJUSTER IS A SCAM AND TRYING TO STEAL PEOPLE MONEY AND INFORMATION.
Consumer complaint received 2016-01-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

The address ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Washington XXXX ) Is not mine, I have never lived in the state of Washington. That address belonged to my son XXXX XXXX when he was stationed there XXXX. Need to have it removed from my credit record as a past residence.
Consumer complaint received 2015-06-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: SYNCHRONY FINANCIAL (CT)

I am resubmitting complaint # XXXX. I filled out the answer boxes incorrectly ; I E Debt owed to and Collection company. 
Hopefully, at the end of this questionnaire-I can attach my fiole describing all of the events.
Consumer complaint received 2022-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

In accordance with the Fair Credit Reporting Act. XXXX, Transunion, XXXX, has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681, Section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : 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 2015-05-15
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (NY)

I recently applied for and was approved for the American Express XXXX card. Shortly after my XXXX purchase, my card was declined to a fraud alert. American Express refused to resolve the issue over the phone and required me to obtain a notarized document from a bank and fax this to them. They deemed that it was not acceptable to have the document notarized by a non-bank entity, and it was also not acceptable to submit the documentation via another form of communication ( postal mail, e-mail, etc ). They refused to refund me for the expenses I incurred to comply with their request. They also refused to refund a portion of the annual fee as I requested due to the fact that I was unable to fully use the card for a significant amount of time ( over one month ). It was not disclosed in the marketing materials that I reviewed when applying for the card that I would need to incur these expenses to keep the card active.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-01-06
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. (LA)

Beginning last year, I noticed a collection account listed on my Equifax credit report. This account has NO creditor information listed or any creditor contact information. I have requested that Equifax investigate this account and supply me with the creditors information. My most recent request was on XX/XX/XXXX, as of today XX/XX/XXXX I have not heard back from them regarding this matter. The account is still being reported on my credit report negatively and I have no way to dispute or even contact the creditor and Equifax has done nothing to help me.
Consumer complaint received 2017-02-01
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: MCLEAN MORTGAGE CORPORATION (VA)

I purchased a home two ( 2 ) years ago and there was an known existing land use agreement with a public utility that limit my use/building on XXXX of my land but my realtor, mortgage company or title search company concealed this information to avoid me not purchasing my home.
Consumer complaint received 2022-08-09
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)

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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. 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 accounts which do not belong to me or were opened without my permission. 

XXXX BANK XXXX XXXX Open Date XX/XX/XXXX Balance : {$5100.00} XXXX BANK XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance : {$720.00} XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$5600.00} XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Open Date XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance : {$500.00} 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 2018-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (MI)

I contacted JJ Marshall on XX/XX/XXXX regarding a debt I was not aware of, I was only asked if I wanted a copy of the report. I told them at that time my husband would contact them. I decided to contact them again on XX/XX/XXXX the person I spoke with for the second time was rude, he also told me that my husband contacted them in XX/XX/XXXX and took full ownership for the acct in question. They have full knowledge that this acct does not belong to myself. I never had a joint acct with my husband anywhere. They are refusing to take it off my credit report, this is the first time that I was even aware it was on my report. I have had my report run various times in the past 8 months and it was not until I tried to purchase a house, that they showed up on my report.
Consumer complaint received 2022-07-19
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. (OR)

My consumer rights and privacy under 15 usc 1692 et seq and 15 usc 1681 et seq. This company XXXX my consumer profile denying my credit because of unauthorized inquiries. 
On XX/XX/2022 the first letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
On XX/XX/2022 second letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
On XX/XX/2022 third letter was sent via certified mail asking for unauthorized information to be removed from my credit report. 
None of my request have not being honored. XXXX is declining to sent any document signed by me approving this inquires. 
Thank you.
Consumer complaint received 2022-01-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NY)

In XX/XX/2021, I applied for the XXXX card. My annual pay is $ XXXX, and my credit score is near XXXX. I have a decade of credit history. 
My XXXX credit card was given only a {$700.00} credit limit, clearly a mistake. 
The XXXX customer service has given me no explanation as to how {$700.00} is an appropriate amount, and refuses to review the calculation for errors. Talking to them is like talking to a wall. " Well the system says the limit is {$700.00} '' - clearly showing an inability to actually resolve a clear data error that happened within their system. The contact center refuses to contact a banker or someone who can review the issue. 
They have trapped me with an un-usable card, as a {$700.00} credit card is effectively useless. 
I have friends who have the XXXX credit card and they have actual credit limits despite having lower salaries, less credit history, and lower credit scores. 
Talking to XXXX is like having a fever dream. I regret applying for this card deeply. I never have issues like this with my other banks such as XXXX.
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Security Credit Services, LLC (FL)

Im not sure if this man is calling from the same company, but hes calling my children leaving messages as if ive broken laws and that hes calling the authorities. They put me into collections fraudulently and i fought it on my credit reports and the account was removed. This would be the only company harassing me since all my debts were included and discharged in a bankruptcy. He says his name is XXXX and his # is XXXX
Consumer complaint received 2019-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc. (OR)

XXXX XXXX allowed an individual to open a new card account in my name and subsequently allowed a charge for jewelry. It was shipped to a different city than I live, to an address I have nothing to do with, to someone I don't know. I had a XXXX card in the past but it was closed about 20 years ago. I have not opened a new card. 30+ Days ago I spoke with XXXX and their fraud department, they told me they would cancel the card and start a fraud investigation and provide me with information within two weeks. I have yet to receive anything AND am still getting promotional material for the account that appears to still be open. I am having to pay on this fraudulent account to keep from having derogatory reporting from XXXX XXXX on my credit report
Consumer complaint received 2016-10-18
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (VA)

This complaint relates to a promotional balance on the Home Depot Credit card managed by Citibank. The promotional balance was {$550.00} at 0 % interest if paid within 6 months. I made large payments to achieve repayment of the promotional balance on a timely basis. This morning when scheduling my payment I noticed that the promotional balance had not gone down a single XXXX. According to the online website, consumers are required to specifically allocate payments to the promotional balance. In previous years, this was not the case. When I selected the option, the website indicated that only amounts above the minimum payment would be allocated to the promotional balance. If the minimum payment is {$72.00} and I pay {$100.00}, only {$28.00} would go toward the promotional balance. 
As this is the 3rd month in the 6 month period, it is impossible to pay the promotional balance incrementally. Therefore, the " promotional balance '' is in effect false advertising. The CFPB should investigate and sanction Citibank for this practice. It should be noted I make my monthly payments on time and over the minimum amount.
Consumer complaint received 2021-11-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION (WA)

We have a home loan with Alliant that was started this year ( XXXX 2021 ). We set up an autopay for the mortgage to be withdrawn the first of each month from our checking account and am able to track that they have been successfully withdrawn at that time. 

However, I keep receiving notices from Alliant via postal mail stating that our monthly payment has not been made ( it is technically due the XXXX of each month ) even though it can easily be shown through our bank records that the transactions are taking place. So I am being charged late fees for mortgage payments that have already been paid well in advance. 

I have called multiple times to Alliant and they state they aren't aware of why I would be getting these constant letters informing me of late fees and that they can see that my mortgage is paid appropriately each month. However, the mail I'm getting keeps increasing amounts of total due for not only the " overdue '' mortgage payment but also late fees that are clearly in error.
Consumer complaint received 2020-07-09
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

contacted visa for options due to expiration of {$500.00} reward card. called XXXX, mailbox was full. 
issued XX/XX/XXXX, expired XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2016-09-09
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

wells fargo the furnisher even though fined and ordered to correct credit reporting has falsely verified at least 3 times to XXXX violating FCRA AND CFPB CONSENT ORDER. 
MY WF EFS ACCT XXXX ON THE CREDIT REPORT SAYS CURRENT STATUS IS 120 DAYS PLUS LATE WHILE THE LOAN WAS PAID IN FULL AND CLOSED XX/XX/2011
Consumer complaint received 2017-01-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

Capital One continues to send me e-mail related to an account I did not open. I can not log in to stop these e-mails because I did not open an account with them. I contacted them via e-mail at the suspicious activity link twice on their site but got no response.
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NJ)

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( XXXX ) listed below are as follow : Please update to the correct address XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, NJ XXXX Resident typeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, NY XXXX Resident XXXX XXXX XXXX XXXX XXXX, NY XXXX Resident typeXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, NJ XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident typeXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Resident XXXXXXXX XXXX THESE NAME VARIATIONS DO NOT XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc. (GA)

XXXX XXXX National Enterprise Systems from XXXX ext XXXX  and XXXX XXXX from National Enterprise Systems take turns calling my place of work is at a high time record of 16 calls in one day. They threaten my co workers and bosses to give them my work schedule so they can call me and harass me during my work shift. I only work 4 hours a week, and they call even when I'm not there, they won't give me any information on the debt owed without first giving them my personal information and my social security number. I have not received any notification by mail. It is not my debt, so make them stop calling me at work. My bosses and myself have ask them to stop calling me at work, but they seem not to care and keep calling even after the threat of hiring a lawyer to sue them. I won't have a job if they keep this up.
Consumer complaint received 2018-03-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (IL)

I contacted American Education Services today on XX/XX/2018. I requested the assignment documents of my loans to XXXX. At this moment the operator did not know how to respond and put me on hold. She came back on the phone to tell me due to high customer volume this request may take a while and she was not sure when I could be receiving these documents.
Consumer complaint received 2016-10-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Acceptance Solutions Group, INC (WI)

I feel am being over charged. I had made payment arrangements to the lender. I refinance your loan at higher interest rates than the original request. In efforts to payoff the loan. I keep receiving emails that I am behind. but every two weeks a payment has been drafted from my account. After I make payment I get a collection letter stating no payment was made. Calling this agency the representives are rude, they hang up or curse at you.
Consumer complaint received 2016-02-03
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (MA)

Received a demand letter FOR payment on a mortgage debt that was clearly DISCHARGED IN MY BANKRUPTCY FILING XX/XX/2014.tHIS IS OUTRAGEOUS THAT CitiMORTGAGE IS ALLOWED TO DO THIS WHICH IS A CLEAR VIOLATION OF A 93 A AND AGAINST THE LAW,