davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

LVNV FUNDING is reporting to the major credit bureaus that i owe this debt to them. They also operate under several other companies which one of them is RESURGENT CAPITAL SERVICES.  They have several other companies they try to use and collect these alleged debts. It appears they move the alleged debt around and try to contact me from different companies although it is the same company. They have not sent me any document BEARING PROOF WITH MY SIGNATURE to prove this debt is mine and that I owe them or anyone this debt. They are currently showing this account as closed at one of the credit bureaus and as an open account at two other credit bureaus. These accounts need to be removed from my credit reports completely IMMEDIATELY. Accounts that show CLOSED still causes damages to my credit and is false information to potential creditors. These accounts should have never been reported to my credit report because I have requested validation which they could not provide. I have never had an account with XXXX XXXX. I have requested multiple times by certified letter and these letters are attached with this complaint. I have asked LVNV to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt. They have sent a computer printout and or statement which does not show any proof this debt is mine. I have sent them multiple Certified dispute letters, requesting documents that show my signature where i signed for this alleged debt. They have not validated or verified this account, they should not report and they need to remove the account from my credit reports completely. They have not provided any documentation SIGNED BY ME that supports this debt is mine and that I owe them or anyone. They still have nothing binding me to a contract. No proof bearing my signature has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop. LVNV is illegally reporting this account to the credit report. The alleged debt needs to be REMOVED from my credit report completely immediately and collection efforts need to stop. Marking the account as closed on my credit reports still causes financial damages and hardship to me and my familiy because creditors still see a collection account which was illegally placed there. They need to be completely removed.I have also contacted an attorney to sue for damages and hardship this has caused me and my family.
Consumer complaint received 2019-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (MI)

In XXXX of XXXX I was having a hard time with my mortgage payments. I decided to contact my mortgage to see if I would qualify for a loan modification. I sent in my paper work in and followed the program making payments on my mortgage mean while still being reported as late payments went from XX/XX/XXXX till XX/XX/XXXX low and behold was approved with a lower payment. I kept making my payments for XXXX, XXXX and XXXX of XXXX. Then in XXXX of XXXX I received a letter from the mortgage company saying my escrow was short by {$4600.00} and I needed to pay it or my payments would be going back up. I contacted the mortgage company asking them how this happen after just going through a loan modification and Escow being set up when I closed on my home. They said that my taxes went up and insurance. I contacted the city of where I live and they said they did not go up that much and didn't understand such a huge negative. I was in disbelief at this point and did not know what to do. I did not just have {$4600.00} sitting around to give them. So I became delinquent with my payments. I reached out in XXXX of XXXX to see if they could redo my loan modification because of what happen they denied me and said I had to wait another two years before reapplying. I am at a complete loss right now and do not know what else to do to keep my home. I feel this company was very sneaky in what they did which they did not include taxes that they knew would becoming due and just want me out of my home. They certainly had all the information needed to do the loan modification back in XXXX and failed to include the now delinquent escrow amount coming due in XX/XX/XXXX. I deserve an answer and to keep my home because of them messing up my loan modification. Please help!
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (MN)

XX/XX/2024 : Requested balance transfer of {$49000.00} from XXXX XXXX XXXX XXXX XXXX ) to Citibank as a corresponding bank to be paid into a subsidiary bank account. XXXX representative indicated the Citibank account number on the check, but indicated the subsidiary account number on the address line ; so, the recipient had not received the funds to date. 
XX/XX/2024 : Citibank has cashed the check received from XXXX XXXX XXXXXXXX, but there is no account number of the subsidiary bank, which has been designated to receive the {$49000.00} ; however, Citibank has not returned the {$49000.00} to the payee, XXXX XXXX XXXXXXXX. I have called various numbers at Citibank, but there is no published phone number to connect me to the office dealing with transfers to subsidiary banks.From XX/XX/2024 to date, I have requested XXXX  multiple times to recall the cashed funds from Citibank, since the recipient never received the funds. I continue to make regular payments on the loan to XXXX, and XXXX insists the recipient should deal with Citibank, which is holding on to the funds, and not returning the funds to XXXX.
Consumer complaint received 2020-06-21
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$30000.00}, {$560.00}, {$7100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$30000.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$560.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 


-- PERSONAL ACCOUNT 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My information was exposed in a data breach and I have accounts listed on my credit report that does not belong to me. I've followed all the steps the FTC instructed me to do but the credit bureau refused to remove the accounts.
Consumer complaint received 2022-05-18
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)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax and XXXX was XXXX XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to correct immediately : XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX CT XXXX
Consumer complaint received 2019-06-20
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. (GA)

this is not resolved and has gotten worst Transunion is now reporting over 22 accounts as delinquent with XXXX XXXX and they are all account already paid off and never was included in the bankruptcy. 
I spoke with the creditor XXXX weeks at XXXX XXXX XXXX and they said the only acct that should show as included in bankruptcy and discharged and closed is below, and now since this investigation Transunion has added a total of 22 accts from member first that were previous paid off and closed and current and never included in bankruptcy. 
the creditor XXXX XXXX rep called Transunion and told them this information is wrong and they have not corrected it yet. All the other account need to be deleted and only the below accounts should show ad included in bankruptcy and paid off and discharged XXXX XXXX XXXX XXXX accounts included in bankruptcy only 1. Act # ending in XXXX $ XXXX- dates XX/XX/XXXX thru XX/XX/XXXX- Pay day loan Total for both account # {$5400.00} 2. Act # ending in XXXX $ XXXX dates XX/XX/XXXX thru XX/XX/XXXX- Line of credit # 1of 2 3. Act # ending in XXXX {$4400.00} dates- XX/XX/XXXX thru XX/XX/XXXX- Line of credit # 2 of 2 4. Act # ending in XXXX $ XXXX dated XX/XX/XXXX thru XX/XX/XXXX- Holiday Loan
Consumer complaint received 2019-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I have a security freeze in place with Experian. I originally put this freeze by submitting an online request on Experian 's website and was provided a PIN number to lift the freeze as needed. I recently tried lifting the freeze by submitting an online request. Even though I supplied all the information requested, I have not been able to lift the freeze on my report. The website instructs me to mail several documents to Experian. Similarly I tried to use the phone number provided by Experian and even after entering all the required information and PIN, I was instructed to mail them a hard copy of several sensitive documents. I tried both the online method and phone method several times unsuccessfully. 

The requirement to mail several sensitive documents such as copies of IDs, social security cards and utility bills is against the nature of privacy protection and introduces additional risk in case mailed documents are lost or fall into wrong hands. Experian is not making an effort to make the process easier for consumers to put/lift freezes on their credit reports and this is not acceptable.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (VA)

Trying to control an Equifax credit freeze. 

Equifax 's online account continually fails to allow logins, problem has persisted for more than a week. Website does not give reasons for the error. 

Website does not let me unfreeze my credit report. Phone validation takes far too long and does not work. They want my documentation faxed or mailed, which is wildly insecure or prohibitive in COVID lockdown. 

Therefore, Equifax are failing to provide me with an appropriate credit freeze service, and are limiting use of the service through artificial barriers. 

This is completely unacceptable when the other agencies have their XXXX together and can have my freeze handled in seconds. This is rank website and security incompetence. Equifax let me place a freeze, let me unfreeze it. 

Most recent interaction was XX/XX/XXXX
Consumer complaint received 2019-08-07
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: SYNCHRONY FINANCIAL (TX)

I had a hard inquiry on my XXXX XXXX report on XX/XX/2019 that is incorrect : XXXX XXXX XXXX This is the institution that was said to have made it, I called them and they said that they did not do it. 

Institution Information Syncb XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My information was exposed in a data breach and I have accounts listed on my credit report that does not belong to me. I've followed all the steps the FTC instructed me to do but the credit bureau refused to remove the accounts.
Consumer complaint received 2020-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE PUT A GREAT DEED OF HARDSHIP ON MY CREDIT. I AM IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S WRONG DOING AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE BEEN ABLE TO OBTAIN THESE ACCOUNTS WITH MY PERSONAL INFORMATION. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG TO ME.
Consumer complaint received 2020-06-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (TX)

The account had two pending promotional offers in XX/XX/2020. 
The promotion with the higher balance ( {$890.00} ) was set to expire in XX/XX/2020. 
The promotion with the lower balance ( {$500.00} ) is set to expire in XX/XX/2020. 
All payments made prior to XX/XX/2020 were applied to the promotion with the lower balance and later expiration date instead of the promotion expiring soonest. 
We contacted Best Buy/ Citi credit card to find out why this occurred and was told they would apply past payments to the higher balance with the sooner expiration date. 

At the end of the statement cycle in XX/XX/2020, the balance subject to interest was {$0.00}. 
At the end of the statement cycle in XX/XX/2020, the balance subject to interest reflected {$370.00}. The prior statement balance was {$570.00}. The new balance was now {$1200.00}. Interest has been applied each month starting in XX/XX/2020. 

We have contacted Best Buy/ Citi credit card on 4 separate occasions about this and there still there has not been a fair resolution. To date, only {$28.00} in interest has been credited to the account. Best Buy/ Citi credit card alleges there have been purchases that equal the {$370.00} that magically appeared on the XX/XX/2020 statement. The only purchase amounts subject to interest are a {$3.00} purchase in XX/XX/2020, {$54.00} in XX/XX/2020, and a {$40.00} balance transfer fee in XX/XX/2020. 

The balance at the end of XX/XX/2020 reflected {$940.00} and higher, grossly overstated balances have been reported to the credit bureaus over the past couple of months. 

The current balance should be well below the remaining promotional balance of {$500.00}. 

Please correct this before the next promotion balance is set to expire in XX/XX/2020.
Consumer complaint received 2020-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION (IL)

On XX/XX/2019 I received a notice in the mail from XXXX XXXX XXXX XXXX a debt collection company and they are attempting to collect a false debt. XXXX admits to being a third party, and I never gave them consent to have my location information. My consumer rights have been violated and I demand to receive remedy for each of the cited violations. There are a total of six ( 6 ) violations.
Consumer complaint received 2022-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

I have been writing letters since XX/XX/2021 and never got a response. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
Consumer complaint received 2021-05-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OR)

RE : Jefferson Capital Systems , LLC, a debt collector I learned from viewing my credit reports that the debt collector re-aged my debt when reporting to all three credit reporting bureaus. Re-aging a debt is the act of reporting an inaccurate date of first delinquency to a credit reporting agency. According to the law, Fair Credit Reporting Act ( FCRA ), the date of first delinquency is shown in credit reports. Subsequent activity, such as one debt collector selling the debt to another collector, is irrelevant, particularly to the 7-year rule outlined in the FCRA. The start of the 7-year period begins at the date of first delinquency, or if no payments are made, when the first payment was due. Unscrupulous collection agencies, such as Jefferson Capital Systems, reset the date of first delinquency to stretch out how long a derogatory account appears on consumers credit report. This is illegal under the FCRA.

In the case of my debt, the first date of delinquency is over five years old. Jefferson Capital Systems , LLC has reported the date of the debt as only two years old, XX/XX/2019.
Consumer complaint received 2020-06-21
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. (NC)

I recently received a letter from XXXX and Trans Union for the third time asking me to contact the credit grantors to discuss this matter of me being a victim of identity theft and these fraudulent accounts not belonging to me. I'm filing a complaint because I previously sent the original credit grantors and collectors letters letting them know that I was a victim of identity theft. But yet XXXX  has deleted many accounts but yet they still have a bankruptcy to a address that I never lived at.
Consumer complaint received 2020-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am a victim of Identity theft someone stole my personal information to open fraudulent account. this is very stressful. I called the companies to report these account as fraud and i notice that these fraudulent Accounts is still showing on my credit report. I want these Account blocked from my credit
Consumer complaint received 2023-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (PA)

I have been dealing with Student Aid and Nelnet both at the same time by submitting requested information and communication so they both are on the same page with my account and yet they do not seem to communicate with one another. I have submitted a complaint to Student Aid about Student Aid and also a complaint to Student Aid about Nelnet. I am seeking to be on the SAVE Plan which I have submitted my request to both parties and Nelnet it is so hard to reach, documents you can not submit online to their site, the email feature does not work and to get in touch by phone I am left on there for hours no matter the time of day until I hang up and if you get a live person it is by the grace of XXXX. I would like to know what is happening with my account by someone who actually knows because it seems reps will say it's being processed, say or ask me things without even reviewing my account first or anything other than the truth to appease me during the call or to get me off the phone. I've already stated to both parties the amount is too high when it was on standard and still unaffordable when they brought it down to the monthly XXXX amount. My account is currently on forbearance but the interest is still growing while my application is just sitting. If I couldn't afford it then I don't know how I will afford it when I finally do get an answer on my owed amount. I am extremely mortified on how my account is being handled as these outsourced companies had ample time to get in gear for the rush of customers they would have to serve. All I have asked from both Student Aid and Nelnet is for my SAVE application to be processed & my account updated in a quick and professional manner so that we are all on the same page. Even though I visit the sites every couple of days for insight I am still confused on what's happening because Nelnet 's wording weirdly phrased, and Student Aid just passes everything off to Nelnet to guide customers and Nelnet seem just as confused as us customers. I should not have to be left to wait & wonder for months for an answer as it seems they are purposely leaving my account in waiting so the interest will grow which will result in a strain on me financially. I hope this matter can be resolved quickly and efficiently.