davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-10
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: MoneyLion Inc. (CA)

I sent a letter to MoneyLion INCXXXX company for reporting late payments on my consumer report which is illegal and they replied through email and failed to comply and follow the guidelines and federal laws of FCRA. The letter I sent states : Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best Regards, XXXX XXXX XXXX
Consumer complaint received 2016-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: American Coradius International LLC (NJ)

I have repeatedly told American Coradis that the loan is not valid and that they should stop calling my job or my home. I have repeatedly asked on the phone for proof of debt and that I signed any documents for the loan. They have not provided such proof. I sent a letter advising them to cease phone calls and provide me with proof. They have not complied, yet they keep calling. Apparently someone I used to know had a student loan that I cosigned for and was approved for numerous forbearances, and then defaulted. I was never notified that there were forbearances and default until years later. I did not approve this. I need them to stop harassing me and provide the proof that I have asked for on so many occasions.
Consumer complaint received 2016-12-17
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (NC)

This is my second complaint on the same matter.XXXX I liquidated funds and would like to pay this balance that was initially rejected for insufficient funds, but I can not do so. The bank 's system will not allow it! I have to wait for them to resubmit it 3 times ( which means XXXX fees from the credit card issuer AND my bank ) before it shows up again as an owed balance. I have chatted and called with no satisfaction. Initially, prior to the first fees charged, I was told by " XXXX '' in XXXX that they would correct it on their end by pulling back the payment and reposting the unpaid amount. When I saw this did n't happen, I called again and was told this was wrong, they could not do it. Every customer service person I speak to or chat with has a different story. It 's simply set up to generate fees for them. They should not be allowed to do this. They should not be allowed to NOT let you make a direct payment to stop this crazy process.
Consumer complaint received 2016-12-19
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (SC)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that Credit Bureau 's disclose to me all of the documents that they have recorded and retained in their file at the time of a request concerning the accounts that they are reporting in my credit report. I requested copies of the documents that they have in their files that were used to verify them. 

If they do not have any documentation in their files to verify the accuracy of these disputed accounts then they should delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties they are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Credit Bureau 's are unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed 30 days they must remove these accounts from my credit report.
Consumer complaint received 2016-05-06
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (WA)

Citi Cards issued me a Citi XXXX Credit card. 
Citi had problems shipping me a credit card which delayed may aces to a card for 3 weeks after i was confirmed as being approved for the XXXX Credit Card. 

Per XXXX credit card I was going to charge on XXXX XXXX for XXXX {$250.00} purchase and be reimbursed {$250.00}. In addition Citi Manger XXXX, XXXX, notified me I was also eligible for the {$250.00} XXXX XXXX charge. 

Citi has NOW REFUSED to me credit for XXXX and XXXX. Citi recognized due to misinformed agents and late delivery of card I was prevented on making the initial {$250.00} in XXXX XXXX so XXXX, Kentucky Manager at Citi cards, authorized a {$250.00} credit in XXXX. 

Now Citi has CHANGEd the credits and REMOVED my {$250.00} credit for XXXX which had XXXX {$250.00} credit. 

Citi refuses to respond to this dispute and XXXX, Kentucky Manager will not call me back in 2 months! 

Citi is unprofessional and unethical to make promises to me and not reimburse my account as promised.
Consumer complaint received 2017-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY (PA)

Ongoing issues with Bluebird American Express where everytime you have a refund come back from a retailor the transaction is held for several days under merchant credit review. I had a refund from a merchant who physically swipped my card to issue refund around XXXX. On XXXX it was placed on merchant credit review. Today on XXXX i call for an explanation and i get told its for security reasons they hold the refund and that they review the transaction. Magically it will be released tomorrow XXXX. XXXX business days later.
Consumer complaint received 2015-07-02
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CITIBANK, N.A. (TN)

They repeatedly call my home phone every 1-2 hours after I have already spoken to them on the phone about the account. This morning they called at XXXX. They have violated more than one issue. Besides the constant calling and the call before XXXX, they have threated legal action and called relatives about the account.
Consumer complaint received 2019-12-06
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (MI)

XX/XX/2019. Received a call from a female representative at key2recovery. the woman was attempting to collect the debt that I owe. I told her I wasn't able to make a payment at that time. I told her that my brakes on my vehicle went out and I had to pay to have someone evicted from my home. I told her that we didn't even have money for food. She asked me if I could borrow the money and I told her no. While she was on the phone I had company and I couldn't keep telling her no so I got short and hung up the phone. 
XX/XX/2019. I received a text message from my bank saying that key2recovery took {$100.00} out of my account. I called key2recovery and spoke with a male who said he was the supervisor. Explain the situation to him and ask him to give my money back and he told me according to his notes that he was allowed to take my money. He wouldn't listen to me and he kept talking over me. Next, I called my bank and ask them to stop the payment. They said I would have to call back tomorrow because the payment was still pending.
Consumer complaint received 2022-11-10
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. (GA)

This is the letter that I mailed to Equifax. 

Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Over the past 3 months I have disputed a second inquiry that Equifax is reporting on my credit report from XXXX XXXXXXXX XXXX  XXXX The last time I tabulated my disputes with Equifax, I counted 7 times that I disputed the XX/XX/2022, inquiry. There may be more, but I got tired of looking. Equifax sent me a canned response for each dispute telling me that they are a matter of record.

Each time I complained to Equifax, I told them that my credit report has 2 inquiries, where there should only be one. I agree that the XX/XX/XXXX inquiry was legitimate. The second inquiry on XX/XX/XXXX is illegitimate and seems to be an error on Equifaxs reporting records. XXXX told me that if they ran my credit within 30 days of the initial inquiry, that they wouldnt report a second inquiry. Look at the dates. XX/XX/XXXX thru XX/XX/XXXX is less than 30 days. 

To make this complaint crystal clear, I have attached a letter from XXXX XXXX XXXX and an email from the dealership, XXXX of XXXX Georgia. Each of them puts the error squarely on Equifaxs doorstep. 

Additionally, I have filed XXXX previous complaints with the CFPB. Equifax delayed their answer ( XXXX ) to each complaint with the standard XXXX indicating that they are not at fault. 

So, with this in mind, I am filing a 3rd complaint with the CFPB in hopes that they can pin the blame squarely on Equifax ; forcing Equifax to remove the second inquiry. 

I am also going to file another dispute with Equifax through the U.S. Mail. Perhaps the canning process of XXXX will end. 

Sincerely, XXXX XXXX XXXX XXXX : CFPB XXXX XXXX XXXX XXXX of XXXX Georgia Attachments : XXXX XXXX XXXX, XXXX of XXXX Georgia email, copy of latest Equifax deflecting responsibility.
Consumer complaint received 2022-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRSTBANK (AZ)

Been a 1stBank customer since 2017. In the beginning, everything was great. Then they closed my account due to overdraft over 30 days but it had only been 22 days and I advised the teller and bank manager of this- XXXX is the absolute XXXX  person in the history of 1stBank and since they arent even following what they promise, I have also reported this event to the Attorney General of Arizona XXXX Colorado and the CFPB XXXX I am pursuing every single option I can to have this resolved.
Consumer complaint received 2023-01-12
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. (MD)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX  ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX A ) XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2020-12-24
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: SYNCHRONY FINANCIAL (CA)

On XX/XX/2020 I made a change to two plane tickets that I purchased from XXXX XXXX XXXX. The change for the change in tickets was {$50.00} and {$66.00}. The charges appear on the statement for XX/XX/2020. I paid for the charge on my PayPal credit card. When I saw my statement, I saw two additional changes, {$100.00} and {$89.00}. I contacted XXXX XXXX and they sent me sent me a confirming email saying that, Our records do not reflect the other changers mentioned. As such, we ask that you contact PayPal for any further assistance. I contacted PayPal and filed a dispute with them three times and gave them a copy of the email from XXXX XXXX. They have denied me my request to remove the charges. I have explained to them that I did not receive anything for those charges and So.  XXXX can not associate the charges with any purchase on their end and they can not find the charges in their records Therefore they can not reverse the charge.
Consumer complaint received 2019-12-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (MD)

I applied for a Citi XXXX Rewards credit card on XX/XX/XXXX. Citi informed me via secure email that I needed to verify my income by submitting a payslip that included my social security number. 

My employer does not provide payslips with a social security number. I called Citi and they said it was fine to submit whatever I had. I submitted a payslip to their secure email address. Two days later, I called in and the representative claimed that I did not have the income I reported on the application. I explained that the annual income I reported on the application does not match the payslip because I started the job in XXXX and it is early XXXX ; I would not have made that amount within the last 9 months. 

The next morning, I received a secure email that was identical to the first. It said I needed to verify my income by submitting a payslip that included my social security number. I called back in, saying that I already explained the situation. The representative said I needed to submit proof of address. As I did not receive this request for proof of address in writing, I decided to withdraw my application. 

This situation was extremely frustrating, especially since I had a credit card with Citi until fairly recently. I do not think I should have received a hard pull on my credit report for this.
Consumer complaint received 2019-12-06
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 — Investigation took more than 30 days
Company: ERC (CA)

On XX/XX/XXXX I received a letter stating : We are in receipt of your request for validation. The account has been updated and placed on hold in an investigatory status. We will request documentation from out client.

and On XX/XX/19 I received another letter stating : Unfortunately, we are unable to provide the requested documentation within a reasonable time frame and as such ERC has ceased all collection activity. Further, we have requested the account be deleted from any consumer credit reporting agency files to which we may have submitted information. Consumer reporting agencies may take 30 days or longer to update consumer reports. 

XXXX XXXX it was still on my credit reports and I disputed with XX/XX/XXXX and on XX/XX/XXXX I received the following message on behalf of : The company that reported the information has certified to XX/XX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. 

I have not received any other mail from ERC in reference to the account or its validity.
Consumer complaint received 2021-11-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

I am trying to obtain a refi cash out with XXXX XXXX XXXX I have a credit freeze & I lifted this freeze XXXX XXXX XXXX through XXXX XX/XX/2021. XXXX & XXXX responded immediately, however Equifax did not & will not lift the freeze as requested. It is noted that Equifax automatically lifted my freeze XXXX XX/XX/2021 when XXXX XXXX XXXX did so for another loan ( that loan was subsequently cancelled by me because of the lender 's bad faith actions ). I have tried to lift my freeze with Equifax online, but they say that they do not know me. I have requested my 'free ' annual credit report from Equifax XXXX but it has not been received. Can you help me? Thank you for your service.
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IN)

Got a letter in the mail from nationwide credit inc. saying I owe and they are collecting for XXXX XXXX I called and reported a fraud claim because I never bought anything from the company they are claiming the debt came from. I called again because who ever opened this account used my maiden name and when I tried to get in the account online with the information on the paper I got in the mail I had to use my last XXXX numbers of my social and when I put them in it didnt recognize them. So I called XXXX XXXX and they passed me around and couldnt even find an account. Then said they found my account but none of the information matched the paper from the debt collector. So an hour of no one telling me anything or helping me they hung up on me. Now I am writing to you.
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Ashton & Weinberg, Inc. (TX)

Repeatedly Calls asking me for my credit card information and asking why I do n't pay with one of my credit card that he should not know about because the account does not pertain to me, it is for my husband. He is very very rude, and gets aggressive with me, gets angry because I do n't pay full amount and because I pay with a check.
Consumer complaint received 2023-01-12
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. (CA)

On XX/XX/XXXX I contacted Equifax about the following negative accounts DEPT OF EDXXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$5500.00} ), DEPT OF EDXXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$1400.00} ), DEPT OF EDXXXX ( Opened XXXX. XXXX, XXXX, Highest Balance {$460.00} ), DEPT OF EDXXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$3700.00} ), DEPT OF EDXXXX ( Opened XXXX XXXX, XXXX, Highest Balance {$950.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$970.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$17000.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$3000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$1400.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$1000.00} ), DEPT OF ED/XXXX ( Opened XX/XX/XXXX, Highest Balance {$500.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$20000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$15000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$3000.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5000.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$7500.00} ), DEPT OF ED/XXXX  ( Opened XXXX. XXXX, XXXX, Highest Balance {$7700.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5500.00} ), DEPT OF ED/XXXX  ( Opened XXXX XXXX, XXXX, Highest Balance {$5500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2019-12-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MI)

I have been trying to dispute some fraudulent inquiries and account. They are refusing to remove or investigate these matters because I lifted my freeze. Someone or some people has hacked my email which contains a lot of personal information as well as my bank card which I had to replace. I have also had to change my passwords to all of my information. I am a victim of identity theft and would like this matter to be resolved without hassle. I would also like a different PIN number too for my freeze.
Consumer complaint received 2021-11-13
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: EQUIFAX, INC. (MD)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ;