davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX we wrote a check for my nephew 's wedding {$5400.00} # XXXX. On XX/XX/XXXX Santander cleared that check. On XX/XX/XXXX they cleared it again using a made up check # XXXX no image on the statement {$5400.00}. On XXXX XXXX I found this error when balancing this account. I called XXXX at Santander XXXX XXXX. XXXX said she would have her research team look into it. XXXX told me in XXXX that the transaction was from XXXX XXXX still not reversed. Approximately in XX/XX/XXXX I called XXXX I said I still didn't see the reversal after balancing XX/XX/XXXX and she said she would contact her team. This past Monday XXXX XXXX I was talking to XXXX XXXX XXXX from Santander and told him I didn't know if my money had been refunded. XXXX had XXXX call me. XXXX was sorry for not getting back to me. XXXX then told me her team couldn't resolve this and that we could file a fraud complaint together.Even if this had been resolved I was probably going to alert you to this transaction. Thanks XXXX
Consumer complaint received 2020-05-14
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. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UNLAWFUL PUT AN DELETED ITEM BACK ON THAT WAS PREVIOUSLY REMOVED LAW DOES NOT DICTATE THEM TO DO THE FTC VIOLATIONS
Consumer complaint received 2020-05-13
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Riverwalk Financial Corporation (IL)

There are 2 pending collections on my credit report for approximately {$2500.00} each from Deville asset management in XXXX XXXX Texas. These debts are currently being tried in a court of law under the workers compensation act. During my workers compensation case ( still currently pending ) i did a vocational rehab program to get back to work after my injury. These bills are private loans from the school that are part of the workers compensation case and by law can not be collected. I have asked them to remove these from the credit bureaus over a year ago. My lawyer has sent them a letter in XXXX of 2019 and i have filed a dispute with the credit bureaus. They have ignored the letter from my lawyer and responded to the credit bureaus saying their claim was filed correctly. 
If they do not remove this from my credit report within 30 days, i will pursue legal action.
Consumer complaint received 2020-05-14
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (MD)

I tried to do a simple refinance with of my existing VA loan with the same lender ( Freedom Mortgage ). I applied online and was shown a lower interest rate and told that documents would be mailed to me in 48 hours for me to sign to lock in that rate. I even called and spoke to a broker from the company and was promised it would be no problem. Well, I never received any paperwork from the company. I called and left 5 different messages with the broker over a 3-week period with  no follow-up whatsoever. I've tried calling, but it is impossible to get through the prompts to speak to anyone. After following the prompts they hang up on you. Funny thing, this company never seems to have a shortage of people to call me and solicit for reverse mortgages and other things that I don't want. I've repeatedly asked to be on their " do not call '' list to no avail. Beyond frustrated that a company can take advantage of someone on a VA loan like this.
Consumer complaint received 2020-05-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (ME)

I had called to lower payments and I was refused because I did not qualify as I made to much to lower my payment. I was told I have to pay {$700.00} a month. I could not do that so I paid what I could. $ XXXX {$150.00} a month is what I could afford at the time. XXXX they sent my loans to collections because I was not paying the full amount they told me of {$700.00}. I am unsure of the exact dates when I had spoke to someone but I think it was back around XXXX. After I got out of collections and saw what I was to be paying a month which was still high for what I could afford and seeing my loan had more then doubled. I gave up because my voice wouldn't be heard and felt I would not get the help I needed.
Consumer complaint received 2020-05-14
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. (NY)

After reviewing my current credit report with Equifax. As of today XX/XX/2020. I notice that an account under the name : ( XXXX XXXX XXXX XXXX ) has been reinsurted on to my consumer credit report without written notice 5 business prior per Fcra rules section 1681. As a result, Equifax is in violation of FCRA rules. 


Account : XXXX XXXX XXXX XXXX is also in violation of the FDCPA section 809b. 

This account was originally submitted under the name : XXXX XXXX XXXX  XXXX. But now has been reinserted ; with a totally different original creditor ; XXXX XXXX  reporting the same outstanding balance and XXXX XXXX XXXX. 

Please ; This was intentionally done to damage my consumer Credit profile. This account is not only fraudulent, but misleading, inaccurate, and inconsistent. A clear violation if FCRA rules and the FDCPA. 



This account was reinstated back in XX/XX/2020 and was deleted for violating FCRA rules and now has been reinstated again. 

Please see attachment ;
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (UT)

Re : XXXX XXXX XXXX Account # XXXX, " XXXX '' Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( XXXX Experian & XXXX ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to  intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VW Credit, Inc (MA)

Received a 90 day deferment for my auto lease from Volkswagen credit. For months XXXX, XXXX, XXXX Due to the Covid 19 and being furloughed. XXXX continues to report to the credit bureau that I'm deliquent. The say they will correct it but never do..
Consumer complaint received 2020-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: STERLING JEWELERS, INC. (MA)

I have been on bedrest and out of work because I had a XXXX of my XXXX I have made arrangements with the company to pay my bill for my account and when I called to do this explained my situation and what i wanted to do and never once did the rep say my account was closing giving me a malicious payment plan knowing if the account was closed it wasn't my priority bill to pay as my priority was to maintain open household bills when i called few months later to get my mother a gift for taking my kids during my hard time I asked the rep why is it showing there isn't a available balance when the accounts been paid and the rep told me the company closed my account for not paying yet I have receipts of payments I am no seeking legal damages for the company for discrimination and malicious attempts to collect a debt
Consumer complaint received 2020-05-13
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Gallatin Valley Financial (CA)

XXXX XXXX is attempting to collect a debt that may be owed by an LLC which my husband was previously a XXXX XXXX, but is no longer associated with. My husband received a letter addressed to the company stating their attempt to collect a debt. 

On XX/XX/2020 XXXX XXXX from Rocky Mountain Credit called my employer at XXXX XXXX Pacific Daylight Time and left a message on their sales hotline asking that I return his call. 

On XX/XX/2020 XXXX XXXX from Rocky Mountain Credit called my cell phone at XXXX XXXX  Pacific Daylight Time. I answered and he immediately asked if it was me on the line. I asked who was calling and he said XXXX XXXX. I asked what the call was about and he said " The XXXX XXXX XXXX   Situation '' He asked to speak to my husband or Mr. XXXX. I told him I could not help as I was not in contact with Mr. XXXX and my husband was no longer a part of XXXX XXXX XXXX. He continued pressuring me, stating that my husband was liable for this debt, that there were " many angry brides lining up '', that " what we were doing was wrong '', and that we " better get this taken care of ''. I felt harassed because he kept pressuring me for answers which I did not have in regards to a debt which is not mine or my husbands but belongs to an XXXX, XXXX XXXX XXXX. XXXX XXXX also did not communicate who he was working for. I had to ask for the information specifically towards the end of the call at which time he admitted he was working for Rocky Mountain Credit, a debt collection agency out of XXXX, MT. 

On XX/XX/2020 he also contacted my husbands mother at her place of work, A direct violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2020-05-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

Re : XXXX XXXX XXXX Account # XXXX, " XXXX '' Account : XXXX. Since 2017 XXXX XXXX XXXX has been trying to fraudulently shake me down for a {$150.00} fee that they said they had waived. I complained to FTC previously about this and XXXX XXXX XXXX sent me a letter saying that that this fee had been waived but they sent me over to collections anyway and my XXXX XXXX XXXX Account says I still owe them {$150.00}. My credit rating is fraudulently lowered to XXXX because of this. I have three separate collection agencies in 3 different states billing me for 3 different amounts of money now : XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, fl XXXX : {$150.00}, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX. Creditor Acct. # XXXX : {$89.00}. XXXX XXXX XXXX  ( XXXX XXXX ), Account # XXXX, XXXX, OR Telephone XXXX : {$89.00}. I would like these adverse credit data removed from my XXXX XXXX XXXX account & all three ( XXXX XXXX  & TransUnion ) credit reports forthwith. I believe this form of Consumer Fraud is endemic in our nation and adversely affects millions of citizens. This shows that the Credit Reporting industry is inherently corrupt, contrived & engineered to intentionally defraud consumers through denial of credit & higher credit rates via this form of unconstitutional legal procedural chicanery.
Consumer complaint received 2020-05-13
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. (WI)

A least once a year I have to file a report to correct or dispute my credit report .Transunion is not reporting credit fairly my score was XXXX in XXXX its now at XXXX. First they added a business account on my personal file that drop my score by XXXX points. Unfair reporting, I've payoff four accounts three still show balances and the fourth shows account closed, the account was paid off not closed. It seems they report negative information than they offer service to correct it. I want my credit restored and these practices to stop. Reporting credit and selling credit reports is for sure a conflict of interest.
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (FL)

My identity was stolen years ago. It came to my attention after the IRS said I owed more than {$35000.00}. I began checking my credit history and found credit cards, names, phone numbers, addresses etc. that was on my credit file since XXXX. I never owned these accounts or had any knowledge of them. I filed a ID theft report with FTC as well as with the IRS. I have put a freeze on all my credit reports and submitted disputes. I have also sent letters to all deb collectors that I did not recognized informing them of the identity theft. Chase was one of those companies and despite sending evidence to them showing I was a victim of identity theft, they responded on XX/XX/XXXX saying that they verified they're info was correct. How can they say this when somone has access to my SSN, Emails, Phone Numbers, Addresses, Credit History EVERYTHING. My info has been confirmed listed on the dark web by the credit bureaus. Chase is reporting I owe them more than {$16000.00}. THIS IS UNFAIR. You can easily buy someone's info off the dark web for cheap and open accounts, bills, houses anything you want in that person 's name. I AM A VICTIM OF IDENTITY THEFT AND I HAVE BEEN SUFFERING AND LOSING MONEY BECAUSE OF THIS.
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ACADEMIC SOLUTIONS OF NEW YORK, LLC (IA)

XXXX XXXX from Recovery Solutions of New York has contacted my father, brother, sister-in-law and sister multiple times attempting to get my personal information, including my phone number, address and financial information. 

I have written to him twice, demanding that he cease all communications, however he has continued to contact my family members.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AZ)

Why won't you remove these items? 
I received a copy of my credit report and to my surprise I saw all these inaccurate items that I have previously asked you to remove. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. I have provided documents that can prove it.

I was denied Employment due to this inaccurate information reporting.

I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( i ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, Please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate every piece of information and remove these items below from my credit report. 
Inquires 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
Consumer complaint received 2021-12-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc (PA)

On XX/XX/XXXX I received a deposit of {$1600.00}. The first XXXX bills I paid were my XXXX ( {$300.00} ) and my XXXX XXXX credit card for ( {$100.00} ). This left me with ( {$1100.00} ) I then proceeded to pay the rest of my bills. 

XXXX days AFTER they took this moneyXXXX XXXXt XXXX let me know they didnt receive my payment? XXXX XXXX  says they got theirs. Why would Chime take the time to send XXXX payment and not the other when I pay my cards together all the time? 
I certainly dont have {$300.00} to pay them AGAIN for money that was never even sent/RETURNED back to my account? I am so upset and terribly confused since Ive paid my credit cards several times with Chime.
Consumer complaint received 2020-05-13
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shellpoint Partners, LLC (CA)

This complaint is the result of New Res ( Shellpoint Mortgage ) negligence, unfair business practices, incorrect and inconsistent credit report across bureaus, and some other violations to the California Credit Reporting Act. 

The account is the following : account # XXXX opened XX/XX/2019, highest balance {>= $1,000,000}. 

I am demanding a fair solution, and this company must remove the item from my credit report. This situation is overwhelming. Ive been psychlogically affected because of this issue. 

Please send the attached documents to Shellpoint Mortgage. 
Thank you very much.
Consumer complaint received 2021-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2020-05-14
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. (CA)

AS A CONSUMER, I HAVE TRIED NUMEROUS TIMES TO HAVE THIS FRAUDULENT ACCOUNT REMOVED FROM MY CREDIT REPORT. I AM A VICTIM OF AN IDENTITY THEFT, I HAVE SENT ALL REQUIRED DOCUMENTS TO ALL THE BUREAUS AND TO XXXX  DIRECTLY. THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THE CARD ARE NOT MINE, THE ACCOUNT IS NOT MINE. 
WHAT I DON'T UNDERSTAND IS WHY PROVIDE FAIR TRADE COMMISSION OFFICE, THIS SPECIFIC ORGANIZATION WHEN THE AGENTS AT THE BUREAUS DON'T APPROVE ANYTHING. 

THIS ACCOUNT IS NOT MINE!!!!!!
Consumer complaint received 2020-05-13
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: Santander Consumer USA Holdings Inc. (TX)

THE INFORMATION I HAVE LISTED BELOW ARE INACCURATE AND UNKNOWN/ IDENTITY THEFT..I HAVE NEVER DONE BUSINESS WITH THESE COMPANIES OR LIVED AT THOSE ADRESS EVEN MY NAME WAS LISTED 3 DIFFERENT WAYS ON THE REPORT THATS LINKED TO UNKNOWN/FRAUD ACCOUNTS XXXX  and XXXX XXXX THESE ARE INACCURATE SPELLING OF MY NAME THESE ADDRESSES ARE EVEN INACCURATE OR UNKNOWN I HAVE LISTED THEM I NEED THESE REMOVED BECAUXE THEY ARE LINKED TO UNKNOWN ACCOUNTS XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX HARD INQUIRIES -NEVER DID BUSINESS NOR RAN CREDIT WITH THESE COMPAINES XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX CHRYSLERCAPITAL XXXX XXXX RETURNED THE VECHILE AND THEY SOLD THE VECHILE NEVER SENT THE UPDATED PAYMENT AFTER THE VECHILE WAS SOLD THEY NEVER SENT ME THE REMAINING BALANCE AMOUNT AND NOW THEY ARE REPORTING INACCURATE INFORMATION ON MY REPORT FOR YEARS AFTER THE CAR IS SOLD AND THEY WANT ME TOMSTILL PAY THE FULL AMOUNT WHICH IS FRAUD XXXX XXXX XXXX # XXXXNEVER DID BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX XXXX XXXX # XXXX NEVER DONE BUSINESS WITH THIS COMPANY UNKNOWN INFORMATION XXXX  AND XXXX WITHHELD MY CREDIT REPORT YET ARE REPORTING TO XXXX XXXX AND OTHER COMPAINES INACCURATE INFORMATION.
Consumer complaint received 2023-01-12
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WASHINGTON FEDERAL BANK (WA)

since XX/XX/2022 i have recieved XXXX  and worked at XXXX XXXX part time while still looking for work keep that in mind. starting XXXX i went into washington federal and asked for a possible fraud check written out to me.by a company claiming to be XXXX XXXX XXXX XXXX  written to the amount of XXXX to be placed on a hold or destroyed so not to mess with my account. in which Washington federal bank placed the wrong hold on the check releasing the funds in my account and i didnt notice till XXXX and forgot to inform the bank.7 days later the check bounced and i had to pay back XXXX that spent living my life cause the rest of the check was safe in my saving .which the bank was able to go in an take .when reporting to their boss i was called a female but im male .But i payed my account even on XXXX and was told my accounts would be fine XXXX early morning my account was forced closed do to suspected employment benefit fraud so i went into the bank at XXXX. they check with unemployment and my job i had did nothing wrong but they closed both checking and saving accounts. and now wont let me open back up a new checking knowing i had asked for protection and had done nothing wrong.so i went in XXXX to try and open a new account the voted no.
Consumer complaint received 2022-11-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BlockFi Inc (MA)

I have a investor wallet with Blockfi, which is supposed to be in cold storage. The wallets are in my name and not to be used to satisfy secured creditors in case if bankruptcy comes. Also, I can not widraw my funds at this point.
Consumer complaint received 2022-11-19
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. (NY)

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : 1. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX account : XXXX