davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-23
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

There was an unauthorized personal loan which was taken out in my name with Citizen 's Bank in XX/XX/2019. I did not know about this loan until XX/XX/2019 when I received a letter stating that they have not received payment for this loan. I explained to them that I have not authorized this loan and did not received any monies from Citizen 's Bank. I fill out all of the paperwork requested of me by Citizen 's Bank, I had a police report file as well as the letter from my bank stating that no money from Citizen 's Bank was deposited into any of my accounts and was sent to Citizen 's Bank Fraud Department. I also put a freeze on my accounts at all of the 3 credit reporting bureaus and filed disputes which each of them. After dealing with Citizen 's Bank Fraud Department, I only receive letter stated that they are denying my claim. No reason or documentation was provided regarding the denial. I'm having a difficult time contacting them as they do not answer their phone number. I continue to send them faxes providing documentation showing that I did not authorize this loan. No response from Citizen 's Bank, accept for a pre-printed denial letter generation. Please help me to clear up with situation with Citizen 's Bank. Thank you.
Consumer complaint received 2020-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (VA)

In XX/XX/XXXX I viewed my credit report and saw company XXXX XXXX had filed a adverse action under my name stating i hadn't paid a bill. I never had an account with XXXX XXXX and I never lived in the state at the time specified. XXXX XXXX assigned {$1400.00} to a collection agency Convergent Outsourcing Inc . I reached out to Convergent Outsourcing Inc and have been getting the run around to no avail. I have requested Convergent Outsourcing Inc to remove that adverse action and they refused sending me documentation with my name ( misspelled incorrectly ) and a address I never lived XXXX. I am requesting to have it removed immediately.
Consumer complaint received 2022-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Ive spoken to XXXX many times about removing a late from XX/XX/2022. They have said on multiple phone calls I made all my payments and they do not know why its reporting late. The most recent call XX/XX/2022 I spoke to XXXX # XXXX at XXXX. XXXX said she does not see why its reporting late in XXXX as she can see payments were made. No one submitted this to be reviewed to the credit escalation team that she could see, which is what I was promised on a previous phone call. XXXX said it takes 3 business days to respond, once she gets the response she will be giving a call. The conversation where they guy didnt send it to credit escalation was in XXXX. I asked if there was something she could send that would explain it shouldnt be late in writing. She will give an audit number in 3 business days. XXXX XXXX is when the call back was scheduled to happen. I did not get a call back, its still reporting late. XXXX was sued for doing this to people and they are doing it to me as well. You can have them pull the call with XXXX to hear her promise to call back and she didnt as well as hear her say it shouldnt be reporting late.
Consumer complaint received 2020-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

I am asking for the following account to be deleted on my Credit report ; These accounts listed below do not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX XXXX   XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX   XXXX XXXX  XXXX DEPTEDXXXX XXXX XXXX  XXXX  XXXX XXXX
Consumer complaint received 2020-10-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC (ID)

I reached out to loan depot on XX/XX/2020 and spoke with XXXX XXXX. I gave her all of my information to refinance my home loan she got me an interest rate of XXXX. The following day another lady I had been trying to get ahold of called me back and got me a rate of XXXX with a buy down cost of XXXX. Well of course Im going with the lower rate, so I left a message and emailed XXXX to let her know Id found a better rate and was choosing to go with my local agent. She called me back later in the afternoon on XX/XX/XXXX and was very snotty and condescending. She told me she had spent a good deal of time with me the day before and that when she got my message she matched the rate and told me Id be getting XXXX cash at closing thats just how it worked out with the new rate and Id ruin her weekend if I didnt stay with her. I should have gone with my instincts but she was very pushy and made me feel bad so I trusted her to keep her word. I called her again on XX/XX/XXXX since the numbers I was receiving for fees wasnt adding up to my local agents totals which I had sent to her. She assured me the XXXX would be credited to my loan total since nobody wants cash at closing she said, but she couldnt look at my file at that time since the processor was in the loan now. Turns out she lied about the XXXX to keep me and instead of charging me the XXXX for the buy down she charged me XXXX. Then at closing I had to pay closing XXXX XXXX! I emailed the processor XXXX XXXX, asking him why I had to pay when I was told I didnt have to pay anything. His response was I should not of had to pay anything at closing and I asked him where my XXXX were to which he said he knew nothing of a credit but included zsaleh in the email to get an answer. The following day XXXX sent me an email that she was confused by my question to which I told her if she was so confused she should go back and listen to our recorded conversations. She then sent back the following day and a Friday, that she thinks she knows to what I was referring and that I was mistaken it was just an estimate. Lies!! Then they funded first thing Monday so I couldnt cancel. I filed a report with the better business bureau to which I have heard nothing.
Consumer complaint received 2020-10-23
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. (VA)

I have reached out to Experian about a problem with my credit report and they continue to not examine the facts. Here are the Facts. Section 809 { B }, 15 U.S.C & 1692 { B } makes it clear my rights to  request full validation. XXXX  XXXX XXXX # XXXX has not validated the debt nor have they sent me any information saying this account and debt is even mine. So how on earth did Experian verify the information as accurate when XXXX  XXXX will not even respond to my request? As Section 809 { b } states it is my right to request full validation and they have not provided therefore Experian is required by law to delete at once. I requesting to have XXXX XXXX   removed from my account ASAP. 

I have also reached out to Experian on XXXX XXXX XXXX. I have sent more than 6 letters to XXXX XXXX All certified mail which Experian has on record. XXXX XXXX refuse to even respond to my request of validation as the law allows in section 809 { b } I have ask them to several questions that  XXXX was unable to answer and it appears they have mixed me up with someone else as now they are reporting this account as paid in full. I am now requesting Experian to remove this account from my records as this account is not accurate they are unable to verify or validate this account. Its clear this is error. The law makes it very clear that collection companies must report accurate information to credit bureaus and Credit bureaus must report accurate information. If they can not it must be Deleted.
Consumer complaint received 2020-10-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC (NY)

Recently I have been called in reference to a h s n account as well as haband account.

Immediately after coming from the doctor I called each comments XXXX  XXXX  and notified that I m  XXXX and have XXXX XXXX. No longer will I be able to afford these accounts. My account was XXXX. I still was asked to make payments. In other words, I was XXXX  and receiving social security XXXX. I explained I m due a refund and instead my account balances were sold as well as charged off. The name of the company that keeps calling me is dynamic recovery solutions. Trying to blood from a stone. Even with XXXX  XXXX  XXXX  I still have to repeat how unfair it is to keep harassing me for more money when I didnt even have it. Try going to XXXX XXXX XXXX for an XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and god knows what else by now, because even in Covid vitamin XXXX has been added to the list, most are not covered even co-pays are due or no medicine, I dont rhink XXXX XXXX XXXX understands that the reference numbers XXXX and XXXX are just a way to annoy me and agitate my condition. I gues acting as an Agent for dynamic recovery solutions LLc located at XXXX XXXX  , XXXX, XXXX, SC XXXX doesnt understand. 
Ive been given a cust service number is XXXX as well as XXXX or XXXX. I cant breathe but yet they keeps calling me. But when I receive the bill at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX its some kind of a misunderstand-ing. I even used my breathe in between using the XXXX and XXXX I dont have it! O -m-g. It just doesnt stop. They take turns. I gave them the social XXXX and even was honest I m sick.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: NAVY FEDERAL CREDIT UNION (CA)

Im the end of XX/XX/2017 the lawyer who promised us XXXX help release our kids from corrupted CPS agents and their unwanted commercial, non Federal, not government agency, which nobody voted for or elected, who illegally kidnapped our children and who knows how much they suffering from their criminals activities, which is called in the criminal driven market kids for cash. CPS created fraudulent case against me and my husband name is XXXX XXXX and then, we met this attorney, XXXX XXXX XXXX, who said that he has connection and to release our kids from CPS custody is a piece of cake for him, later as we found out, he was giving courses to white XXXX crimes cyber criminals,, who knows how to live online attacking banking accounts hacked through XXXX and XXXX contacts of other people, like us. So that evening all the money dissipated from MyFICO account and internet banking accounts hacked through XXXX accounts and internet banking accounts hacked through mail fraud transactions, forwarded from MyFICO and online banking accounts from XXXX servers to gmail accounts and contacts with XXXX accounts hacked through XXXX and lost in cyber banking transactions online Al they were controlling transactions online and messing with my mind and my husbands name changed to my gmail account transactions online banking, social security number messed up. I filed a police report for identity theft and federal fraud and report fraud transactions online to FTC and calling XXXX support and XXXX and those hackers abusing and threats me online every time I try to reach OIG SSA or any legal aid authorities who are not aware of my anonymous family sharing account XXXX mail. Please help us to stop this, cause my husband is a military veteran, who is not well and we are on the streets now, Im not able to break through and contacts and file a complaint online about dispute and fraudulent transactions online.
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

I ordered a copy of my report in Experian.com and XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. I sent a letter to the 3 credit bureaus on XX/XX/2022. As of XX/XX/2022, XXXX, Experian, and XXXX have not responded to my dispute. This is my sixth attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing of BUREAUS. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any account which was opened without my knowledge, consent or authority. 
XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX  XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2024-09-14
Product: Credit reporting 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. (FL)

I discovered some unauthorized inquiries on my credit report this morning, which was unexpected and concerning. I routinely check my report, but this time, there were errors that seemed to come out of nowhere. I even tried refreshing the page, thinking it might just be a technical glitch, but the inquiries remained. This situation is deeply frustrating, and XXXX requesting that the documents Ive provided be carefully reviewed so that I can finally put this issue behind me.
Consumer complaint received 2022-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act XXXX  Account, XX/XX/22 XXXX XXXX Mng in the amount of {$1600.00} and XXXX XXXX XXXX ON XX/XX/22 in the amount of {$360.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-01-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (NJ)

I signed up for XXXX credit in-store, made purchases but was never sent a bill. I sent written correspondence to Citi including a copy of the day pass through trackable priority mail to obtain a bill and request I be contacted through US mail. 
When I received my first bill it had an additional {$210.00} in fees and interest. No acknowledgement of my correspondence. 
I called Citi on XX/XX/XXXX and was told by agent XXXX that I could pay the amount of original purchase, {$210.00}, and another department would investigate the issue and get back to me but it could take some time. I trusted this agent and paid this amount while on the phone. 
On XX/XX/XXXX I received my second bill with a due date of XX/XX/XXXX ; again, no communication about my issue and this bill including additional fees and interest, and it was late on arrival.

Citi has ignored my correspondence, purposefully did not reply via US mail as requested and knowingly told a falsehood on the one phone call to intensify their late fee amounts. All verifiable. Citi has still not sent the physical card.

Citi has damaged my credit. 
I sent a {$270.00} check to settle this account including any new fabricated charges, fees or interest has been sent to XXXX in XXXX KY lockbox/processing center with proper form and a copy of this letter. This created a credit balance of about {$11.00}, although the last bill they sent does not include this payment. 
Through certified mail I directed Citi to immediately close all accounts related to me, XXXX XXXX They refuse close my accounts, and insist if I do not call them I will incur an additional {$250.00} fee.
Consumer complaint received 2020-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I had an account with capital one to help build my credit. Now I always made my payments on time, I paid them early and paid my balance on full everytime. Now there was a few times where for some reason one of my banks didn't process my payments correctly causing my payments to be reversed. I work at a contact center for a bank as a supervisor and I know the process of the bank closing an account if they deem the client a risk. The bank I work for provides communication to the client to give in a way warning to the client that the bank may end up closing the account if they keep having payments reversed. After I made my payment in full after the payment got reversed my account was closed. When I called the first time to find out why I spoke to a rude supervisor trying to find out the process of capital one providing warning to their clients before an account gets closed. The supervisor couldn't give me a straight answer and in a way kept  blaming me for what happened. I requested to speak to their supervisor but what told that with capital one that's the highest it will go and won't go any higher which is ridiculous and horrible customer service. I called back and spoke to another supervisor and was informed by that supervisor that capital did mail a letter on XX/XX/2020 but that it was going to take 7-10 business days which is ridiculous because my account was closed on the XXXX which is exactly 7 days after the letter was sent that has not been received. With the previous return payments not once did I ever receive any kind of warning from capital one stating that if I had another return payment that my account would be closed which Is really frustrating. If I was made aware that if it happened again my account would get closed then I would do what ever I can to make sure it didn't happen again but capital one sets up their clients for failure without giving any warnings or assistance until after the fact. Never going back to capital one and never going to recommend capital one.
Consumer complaint received 2020-10-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (GA)

I have a letter from Santander Consumer USA, dated XX/XX/XXXX, this letter is an offer letter that gave the impression that I, the consumer, had a limited time to pay a settlement and for me to act quickly. In XXXX I was seeking a vehicle to purchase and was able to find a vehicle at XXXX XXXX, after some time of making monthly payments I fell behind and eventually the vehicle was repossessed from my location information resulting in invasion of privacy.This closed account was and is currently being reported to all credit reporting agencies. This dated letter states I have a {$24000.00} balance and for me to act quickly by paying {$7700.00} in bold faced letters, which felt like intimidation. I received this letter after my vehicle was sold.This account was sold to XXXX XXXX and is currently being reported on all credit reporting ag

encies. Pursuant to Title 15 US. Code 1692a ( 3 ) ( 4 ), I am th
e consumer and the creditor. This alleged debt from Santander  Consumer USA and XXXX XXXX for an auto loan is fraudulent. I am currently verifying my credit report and in the process I have discovered that my initial communication with Santander was under misrepresentation and I was taken advantage of as a consumer. I am the creditor that offered credit pursuant to US. Code title 15 1601 but yet Santander was attempting to collect an alleged debt and is currently  reporting it closed on all credit reporting agencies and XXXX XXXX is reporting it as an active debt collection account. I have suffered harassment and abuse ( 15 U.S. Code 1692d ), my car was repossessed ( 15 U.s. Code 1692f ( 6 ) ( c ), as a consumer I was furnished certain deceptive forms ( 15 U.S. Code 1692j ) which put me in an uncompromising position in commerce.
Consumer complaint received 2020-10-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (LA)

Company kept calling saying a debt was mine when I never had this debt at all that is being claimed I owe as well as reasoning for natural disaster is a lie! I do not have a natural disaster going on where I live and this debt isnt mine! They kept calling harassing me and insisting it was.
Consumer complaint received 2024-12-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (FL)

XX/XX/XXXX received letter notifying me of a debt, for a bill I've already paid. Claimed I owed {$25.00}, but attached shows I paid through the online system. Online systems should have XXXX errors and they XXXX ( XXXX ) is double billing. 

Info about debt collector and debt : Credit Control , LLC on behalf of XXXX XXXX XXXX XXXX XXXX ) for account number ending in XXXX ( the last 4 digits of under Bill Number, on attached ) Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX www.credit-control.com Dated XX/XX/XXXX ( received XX/XX/XXXX ). 
Reference # XXXX
Consumer complaint received 2024-09-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have submitted over XXXX letters over XXXX months requesting verification of the debt accounts listed on my credit report. I have received requests for verification of my identity and that documentation was included with each letter, each time I mailed it. I responded to the request for additional documentation, providing what was required and their response to my submission was the exact same letter they responded with each time requesting the same documents I had previously provided.