davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rauch-Milliken International, Inc. (ID)

Rauch Millikan at XXXX keeps calling me about a debt for a XXXX company I closed in XXXX. They say XXXX XXXX XXXX / XXXX XXXX has a collection debt from the Idaho XXXX. I said that is not possible. That company has not been in business for over 30 years. They said its from XXXX. Again, that is not possible. They said they are turning it over to there legal department unless I want to pay it now. I hung up. 

I called the Idaho XXXX. They confirmed there is no collection. There is no account for me. I have not subscribed to the Idaho XXXX newspaper in over 20 years. 

Rauch Millikan keeps calling me and leaving collection messages. 

From what I read in the Internet, this company has a lot of complaints in regards to trying to collect on old previously settled debts. They are a scam!
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

On XX/XX/2020 I was in contact with attorney XXXX XXXX for 2 debts owed to XXXX   XXXX. I made an offer to settle the 2 accounts for less and they contacted XXXX XXXX and the offers where accepted and agreed to remove the accounts.

1st account had a balance of {$3100.00} and made offer to settle and remove for {$1500.00}. It was accepted and paid, was taken out of my  bank account on XX/XX/2020. 
2nd account was for {$800.00} and made offer to settle and remove for {$370.00}. It was accepted and paid out of bank account on XX/XX/2020. 
XXXX XXXX has provided me with letters saying both accounts have been settled and have a XXXX  balance on each. XXXX  XXXX has gone and instead of XXXX  out the balances and removing them they subtracted the money that I paid from the original balance and still say I owe them the rest they have repeatedly every month for XXXX and XXXX have the accounts still listed as being owed And showed no payments Have been made. 
I have also submitted the two letters from the attorneys office of XXXX XXXX showing I settled the 2 accounts held by XXXX   XXXX  and instead of fixing the problem XXXX XXXX wanted my banking account number and routing number to pay the remainder of the balance of that they claim I still owe them. 
XXXX XXXX also refuses to notify the original credit card companies that I settled the account which are still updated monthly showing charged off and no payment for each month. Which is still bringing down my credit score.
Consumer complaint received 2021-02-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

I accidentally used the wrong card I was in the hospital under heavy medicine due to my XXXX. I explained this to several representative that it was an honest mistake. As soon as I realize what I did after I got out the hospital I submit the payment again using the correct account. Im really not able to go places right now due to my XXXX and the pandemic I explain that to several representatives so I cant get the information that is requested from my bank. The payment I made was my last payment. Now all of a sudden I have a fee of {$29.00} return check fee. I feel as if Wayfair is discriminated against me because once I explained my XXXX and the reason why I cant really get out the house the representative were not willing to take them off. I did this on a couple of my other credit cards and they have taken off the fees with no problem due to what happen to me and I was in the hospital under medicine and I XXXX plus its a pandemic.
Consumer complaint received 2023-07-11
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-16
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. (NY)

NOTICE TO CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have XXXX business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated XX/XX/2022 ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Consumer complaint received 2022-05-19
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL (NY)

I received an email purportedly from Synchrony Bank concerning a XXXX ( retailer ) credit card for which I was already accepted. Unfortunately, I am still recovering from COVID and am susceptible to bouts of confusion. Even though the email was in my Junk folder, I opened it and saw it was a link to get info about my card application. I selected the link, and on the website, which was too simple looking for bank business, I entered the last four digits of my SSAN, my ZIP code and my date of birth. At that point the site said the info was not valid and that I should try again. Only then did I realize what I had done. The web site address is " XXXXs : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' and I have attached the email. I doubt that XXXX or Synchrony bank are involved but someone is getting information about credit requests to them. I will request a credit lock immediately to prevent anyone from requesting new credit in my name. Other than that I am not sure what to do. I can only wait for these COVID symptoms to clear so I can start thinking clearly again. Thanks for your time.
Consumer complaint received 2021-10-15
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CT)

On XX/XX/XXXX, I went to pay my bill. I paid the minimum payment that month of {$240.00}. Previously, I had a card limit of {$13000.00}, my current debt with the card taking about {$9000.00} or so a the time. After I had paid the amount due for the month, I noticed my available credit was only {$240.00}. I dug around and noticed my credit limited was reduced to about {$9300.00}. I immediately called up the card 's customer service line trying to get an explanation. 

I was told that they had sent a letter in the mail-this was not true. To this day I haven't received any mail regarding this. I was also then told to check my online account as odds are there was a notice there. Surely enough, there was a notice that was hidden indirectly in a cumbersome UI. In the notice, it stated that as of XX/XX/XXXX, Citi opted to reduce my limit for the following reasons : Your payments were low on one or more of your accounts with us. 
Your credit report shows amount of credit available on accounts is too low. 

Citing a credit report from XXXX, I was confused. While my finances are going through a bit of a rough spot, my XXXX Score at the time was XXXX. The notice urged me to check with XXXX, who confirmed the following : I've had this card for 22 years with absolutely no late or delinquent payments. 
There were not major hits to my credit score up until that point. 

After that, I reached out again to Citi Customer Support to relay this information, and the phone attendant put in a request to reinstate my previous credit line. I followed up with this on XX/XX/XXXX, in which I was told my request was not only denied, but I was also denied from any sort of credit change until XXXX. 

This decision to suddenly reduce my credit without justifiable cause does far more damage to my credit than whatever Citi thought I was doing. This is how they treat a longtime customer of 22 years with NO late payments, NO delinquent payments. The best part of this is in the notice, Citi offers " advice '' on how to mend credit scores. Here 's one point that stuck out to me : Be sure to pay at least your minimum payment due by the payment due date each billing cycle That's EXACTLY what I've been doing! A fact cited by XXXX, who Citi used as a source. Citi has upped their APR to 22 %, and cut my line for no reason other than thinking that I'll pay more per month. This is EXTORTION. This is a massive betrayal of my trust and causing me financial stress during a period where I am borderline homeless. This company is disgusting.
Consumer complaint received 2023-01-12
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)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved and deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Consumer complaint received 2023-07-10
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-21
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I am submitting to your attention a complaint that involves alleged private student loans that Sallie Mae/Navient and XXXX XXXX  claim existed. Both SallieMae/Navient and XXXX XXXX  are claiming these alleged private loans existed and have been collecting on these loans since allegations began. XXXX now holds the alleged private loans formerly held by SallieMae/Navient XXXX I have included attachments that reflect supportive documentation that such alleged private student loans may have been fraudulently created and/or misclassified. These alleged private loans were initially classified as federal student loans and were re-classified as private loans with different ID and account numbers. 

Numerous phone calls were made to SallieMae/Navient and XXXX XXXX  with requests to justify the existence of the alleged two private student loans to no avail. XXXX XXXX attempted to justify collecting on a duplicate set of these alleged private loans. I requested specific documents from both Navient and XXXX XXXX  that would help support the allegations of private student loans/disbursement. A review of the information received did not support the allegations that there were private student loans nor actual proof of disbursement. 

Contesting repeatedly to SallieMae/Navient and XXXX XXXX  that I felt the alleged private loans were not valid loans and that these alleged loans may have been intentionally/unintentionally misclassified, I thoroughly searched my own records, made several telephone calls to the University, Department of Education, and Federal Student Aid Office seeking proof . The University confirmed there were never any private loans disbursements- only federal loans supported by information submitted and that they would have to approve any private loan requests/disbursements. There are no records of any alleged private student loans with supportive documentation in my files nor the files of those queried. SallieMae/Navient and XXXX are the only ones alleging such loans existed and information submitted is both questionable and does not support their allegations. 

The following attachments were based on information derived from the Department of Education and from SallieMae 's records.Reflected in attachment # 1 is documentation which shows similar dates/amounts of " federal student loans '' that SallieMae/Navient and XXXX XXXX  claimed were private student loans. Attachment # 2 shows federal loans, not disbursed, around timeframe reflected in their document submissions to me. Finally, from SallieMae 's records, attachments # 3 & 4 clearly reflect that the alleged private loans were originally classified as " Federal Plus Loans. ''
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I've contacted XXXX XXXX XXXX XXXX they told me I've never missed a payment, yet XXXX and Transunion refuses to remove me from being listed as late on XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and Transunion job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and Transunion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-19
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: STERLING JEWELERS, INC. (OH)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-12-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRIAD FINANCIAL SERVICES, INC. (VA)

I purchased a manufactured home. I was told payments would not start until we were allowed to move into the home. The home was damaged during set up. Building inspector for county is involved. No certificate of occupancy yet. Triad financial services is requesting payment. I have called at least 3 times for a solution. First time ( XXXX ) and the customer service agent gave us no possible solutions or steps to take to resolve issue. Second call, I did not receive a call back from legal department ( XXXX ) when stated. Third call ( XXXX ) I was told to send them an e-mail.