davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX we discovered 2 unauthorized debits of {$250.00} to XXXX XXXX. We informed Citibank about them. 
On XX/XX/XXXX we noticed another debit of {$220.00} to XXXX XXXX. There was another debit of {$130.00} also to XXXX XXXX on XX/XX/XXXX. We informed Citibank immediately and they put a hold on our account. We realized our account has been compromised. We started researching and found that there are 8 forged checks that have have been cashed for a total of {$5300.00}. Citibank refuses to return our funds.
Consumer complaint received 2020-10-07
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. (MA)

Dear US Dept of Edu/ Cfpb ; I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education , credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also  allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2020-09-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

This collections account is completely erroneous. I paid off the XXXX account in question years ago ( XXXX ) when I switched to XXXX XXXX XXXX and they continued to charge me monthly after I had already closed the account. I contacted XXXX and paid the entire balance and was complete on closing this account prior to switching to XXXX XXXX XXXX. After the switch, XXXX made an error and continued to charge me monthly for service when I had already successfully closed the account and paid all balances. Another collection agency related to this erroneous debt tried to maintain a collections account in the amount of {$820.00} ; however, XXXX XXXX XXXX was deleted from my credit report because it was found to be erroneous on XX/XX/XXXX. Now, IC System INC is reporting that I owe a balance of {$820.00} which is false because XXXX  and XXXX XXXX XXXX have reported that I do not owe any debts. I do not owe anything to XXXX or I.C. System, INC and this needs to be removed from my credit report immediately.
Consumer complaint received 2023-04-08
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. (MI)

I submitted this complaint to update this suspicious information. The 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$11.00} ; XXXX XXXX  XXXX Balance : {$3300.00}.
Consumer complaint received 2021-07-03
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 — Investigation took more than 30 days
Company: BARCLAYS BANK DELAWARE (TX)

I have sent XXXX certified validation letters to Barclays, XXXX XXXXXXXX XXXX XXXX and XXXX starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} Barclays XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Account # XXXX {$4800.00} BarclaysXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX or # XXXX {$5300.00} XXXX/Barclays- XXXX XXXX XXXX  Account XXXX XXXX {$5800.00} XXXX/Barclays- XXXX XXXX XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.
Consumer complaint received 2021-03-26
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. (OH)

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX 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 2020-05-04
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. (IL)

XXXX ; Experian and XXXX should not be reporting a collection/chargeoff in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The account balance reporting is incorrect. I purchased the vehicle for {$11000.00}. Shortly after purchase I was forced to return the vehicle because of electrical damage that was not disclosed at the time of purchase. The vehicle was sold at auction and sold for more than what was owed so consequently, there is no outstanding balance due and therefore nothing to collect. We were also owed 95 % of the extended warranty and that was never applied either to the balance. This false reporting of a collection/charge off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-10-07
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. (MA)

Dear US Dept of Edu/ Cfpb XXXX I'm not sure where to take this anymore, but for the last 3-4 months I been deliberately trying to reach out to the department of education , credit bureaus in regards to negative entries on my credit report and no one seems to help. It's been more than 90-120 days and the creditor, and the credit bureaus have both failed to report. It's impossible that these student loans were verified because it continues to report incomplete, inaccurate, erroneous information on my credit ; & it's basically an unverifiable account. Plus i have never gone to college or universities in the USA - These accounts as i stated before doesn't belong to me and i'm not liable for me. Also, after several research into this matter, through the ftc and cfpb website, i noticed that several student loan servicers were sued for mismanaging for not handling the accounts properly, and then falsely reporting information on an individual credit report.. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2021-03-26
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: AMERICAN EXPRESS COMPANY (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
American Express - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX. 
XXXX XXXX XXXX - Inquired on XX/XX/XXXX.
Consumer complaint received 2020-12-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I have a Costco-CITI credit card # XXXX I pay in full every month, also have a checking / savinga account with CITI and have close to XXXX Credit score. I went to XXXX, did apprise them ... after a month or so they blocked my credit card. International colLect call did not work, when called the Rep was blinded with hubris asked me US Checking account # which at that time I did not remember. Called again with it but no use. Interestingly for legal reasons no e-mail available so contacted Executive Office e-mail only to get legalized lengthy letter basically absolving them of all responsibility and sorry you are suffering from such a situation. 
1 month has gone still credit card privileges not restored. My sister could not even pay by phone, I cant access my account online ... Reps lied saying a FRAULD ALERT reference code letter has been sent to the US address but we have not received any as I checked with my sister, a practicing attorney who lives on same address. 
I can understand CITI 's security concerns but this has gone too far that despite contacting executive 's office nothing has been done instead a veiled threat of damaging my credit. That too with a loyal customer who pays in full every month. 
Please do look in to the matter and restore my charging privileges as that is the only card I am carrying. 
My XXXX # is XXXX My e-mail is XXXX XXXX
Consumer complaint received 2021-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (IN)

In XXXX of XXXX, I opened a credit card with Discover. I didn't know about the dollar per dollar match for the first year. I also do not recall activating it. I recently activated it on XX/XX/XXXX of XXXX, only to find that the promotion term was up for me. I had never used the card. I called to ask for an extension and explained what happened. No extension was given and I was told to open another credit line but that the promotion was not guaranteed nor was the credit limit amount.
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXX XXXX POTENTIALLY NEGATIVE Balance INCORRECT XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE BALANCE REPORTED INCORRECT {$680.00} XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$550.00} Updated on XX/XX/XXXX XXXX XXXX  POTENTIALLY NEGATIVE Balance {$660.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$410.00} Updated on XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$440.00} Updated on XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance {$500.00} Updated on XX/XX/XXXX XXXX Balance STATUS IS INCORRECT XX/XX/XXXX XXXX POTENTIALLY NEGATIVE Balance IS INCORRECT {$220.00} XX/XX/XXXX XXXX XXXX XXXXXXXX POTENTIALLY NEGATIVE Balance INCORRECT {$990.00} XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX 
Balance {$590.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX Balance {$520.00} Balance INCORRECT XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX INCORRECT {$370.00} XX/XX/XXXX XXXX
Consumer complaint received 2022-09-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

Homeowner XXXX XXXX submitted a loan modification application to her servicer, M & T Bank, on XX/XX/22. She received a letter dated XX/XX/22 from M & T stating that her application had been deemed complete as of XX/XX/22. On XX/XX/22, she received a letter from M & T stating, " While we have reviewed all the documents and information that you have submitted, we are still in the process of obtaining third-party information that is necessary for us to make a determination on your application. '' The letter specified that the required information was " Investor Approval [ and ] MI Approval. '' As of today, more than six weeks later, M & T says that the application is " still in underwriting. '' As the application was deemed complete more than two months ago, M & T is not in compliance with 12 CFR 1024.41 ( c ) ( 1 ), which requires the servicer to review and render a determination on a complete modification application within 30 days. XXXX XXXX ( who suffered a COVID hardship and was extended a COVID forbearance, but whose income has resumed ) is very able to afford to pay her mortgage once the arrears are capitalized and the term is extended, as her complete modification application with its supporting documentation demonstrates..
Consumer complaint received 2019-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

This is a problem with XXXX, Transition, and XXXX, and any other credit reporting agencies, not the credit card company. 

The issues is that these credit reporting agencies are failing to properly disclose legitimate details for the XXXX XXXX XXXX ( copyrighted ) service. These companies refuse to acknowledge the function that " XXXX '' serves in that you can take up to ten larger purchases and spread the payments out for up to 12 months, for a set fee. When that occurs, the Actual balance is less, but there is a total balance that " can - and will be '' significantly greater than your credit limit. I will show an example, in a second. 

These agencies fail to show XXXX " XXXX XXXXt '', as separate loan, or separate line item. In doing so, they just report balance over limit by thousands of dollars and ANYONE looking at that rejects you for further credit say a car loan, or a cell phone. 

These credit agencies are working in the XXXX 's with a fax machine, they need to educate themselves in modern-day XXXX century finance and stop recklessly damaging peoples credit with misleading misstated information. 

This is how it works, let 's say your credit limit is XXXX. You buy a roof for the house XXXX - put it on plan it 12 months, XXXX a month plus the fee. The charge comes off, your daily running balance is XXXX, but you " Do-Have '' a total balance ( XXXX ) plus that fee. 

You then build a garage, XXXX, you had a XXXX balance on card, no problem, XXXX plus XXXX XXXX balance due, you then put the garage on a plan it, XXXX plus the fee for 12 months. 

Your balance due now is XXXX plus the fee, and your Aggregate balance due is ... ... ..XXXX + XXXX= XXXX ... .Bingo!!! they report you over your limit. 

The credit agencies Must change immediately to stop false misleading reporting. Every one knows there is NO-WAY a credit card company will allow someone to grossly exceed their credit limit. 

Please get them to change their reporting and stop the misleading reporting.
Consumer complaint received 2021-03-26
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. (GA)

In XX/XX/XXXX I filed a dispute with Experian in regards to their inaccurate and inconsistent reporting of an auto loan on my credit report. On XX/XX/XXXX Experian sent me a letter saying the information has been updated. Only to find out the information reported by Experian is still inaccurate and inconsistent. Experian has balance of {$17000.00} when the creditor has a balance of {$13000.00}. I have been constantly disputing this inaccurate and inconsistent account with Experian and they have yet to delete this inaccurate account which is a violation of the law. As of XX/XX/XXXX this inaccurate and inconsistent account still remains on my credit report.
Consumer complaint received 2020-10-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (NJ)

my mortgage company is Amerihome mortgage, I was working with XXXX a counselor from XXXX XXXX XXXX, for Covic19, did not pay  since XXXX. I return to wor on XXXX asking them to give me permanent Modification, change the term of my loan so I can have repayment plan.we call many times we email they refuse, thanks to XXXX they provide a forbearance plan, will be finished at the end ofthis month. 
my account number XXXX. 
I called the Home Affordable Modification program HAMP XXXX XXXX still did not call me. 
thanks so much for your atention. 
Webside www.amerihome.loanadministration.com. 
email : XXXX phone : XXXX
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Conduent Incorporated (GA)

I was contacted by my mother on Monday, XX/XX/2020 about my unemployment card and she noticed that the letter for the unemployment card was sent and when she checked the letter she realized the card was stolen out of the envelope. There was a bend in the envelope and red lipstick on the seems of the envelope. In other words my card was stolen. If any money was taken out of the card, I ask that the money please be replaced and that the card be shut down so I can request for a new one with all the original funds or switch to direct deposit. Please get back to me at XXXX.
Consumer complaint received 2020-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (TX)

I have reached out to the company NCA multiple times, and requested documentation on this debt. The documentation they provided me did not have my address or bank account. I informed them that this was not my correct address and Ive never lived in that location. They have continued to ignore and have continue to attempt to collect on a debt that does not belong to me.
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
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: Premier Holdings (SC)

On XX/XX/2019 my husband recieved a phone call from XXXX XXXX court house in XXXX sc saying that he had a case against him from a debit collector that he didnt pay and that if he didnt pay it he was going to jail. So he called the number back and it was the XXXX XXXX house but know one knew what he was talking about. So then today a lady calls him from a debit collection agency for the first time and told him that he needed to pay XXXX for a tablet that he leased from XXXX 6 years ago and if he didnt he was going to jail. And he tried to talk to the lady and tell her that he didnt have any money now but he would Monday. And she says he can give her the info for a post dated check for Monday XX/XX/2019 and she want put it through until then and he said no I'll call you Monday and give it to you when I know the funds are in my account. She told him no nevermind I'm going to go ahead and process this and your going to go to jail. I told him I was pretty sure it is a scam. Debit collectors dont do that. So I call the number and I asked for their information and license number and the woman would not give it to me. So I call the accually company that he owes money to, and left a message for them to call me. I'm waiting on that phone call back so I can figure out if this is legit or a scam. The company answered the phone saying the name of the company was premier holding company. There phone number is XXXX. Which per XXXX it's a Texas number, but other than that I cant hind out any info on this so called company. Can you help with this?
Consumer complaint received 2021-08-10
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. (CA)

I was victim of Identity theft. My personl information was stolen and used to opened up an account with XXXX XXXX. For {$10000.00}. I have filed a police report notified this company about the fraudulent activity. I also contacted Equifax and disputed this company twice, XXXX XXXX was deleted twice off my equifax cedit report and now has opended an duplicated account to report again. My compliant is with Equifax once I disputed this account and it was deleted once, it should've been blocked not deleted twice and put back on again, Also XXXX XXXX has opened a duplicate account and that is against the law. I would like Equifax to block and delete this account XXXX XXXX off my credit file and any other reporting inquires I did not Athorized permanently