davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Razor Capital, LLC (MI)

I received a letter stating I owe consumers almost XXXX for a light bill I never got or received in my name. It was over 10 years ago and at that time I was a child and really need to resolve this issue so I can prepare for my new living situation.
Consumer complaint received 2016-10-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (CO)

I HAVE APPLIED WITH CITI VARIOUS TIMES TO GET A MODIFICATION AND GET ME CURRENT ON MY PAYMENTS. I HAVE TURNED IN ALL MY DOCUMENTS TO THEM WHENEVER THEY ASKED ON MORE THAN XXXX OCCASION. NO ONE IS HELPING ME, IN FACT I NOW HAVE A SALE DATE OF XXXX/XXXX/XXXX WHICH THEY ARE PRETTY MUCH TELLING ME TOO BAD!! I HAVE HAD OVER 50 % LOSS OF INCOME WITHIN THESE PAST FEW YEARS. I WAS FIRST DIVORCED WHICH LOST HALF OF INCOME BEING CONTRIBUTED TO THE HOUSEHOLD, AFTER MY EX HUSBAND PASSED IN XXXX THEY STARTED CHARGING ME FOR HIS MEDICAL EXPENSES WHICH I WAS NOT ABLE TO AFFORD AND WAS FORCED TO FILE FOR BANKRUPTCY. THEN IN XXXX XXXX I HAD XXXX WHICH I HAD XXXX FOR AND 3 MONTHS LATER I WAS FIRED FROM MY JOB I WAS AT AND WAS JUST LEFT WITH ONLY MY SOCIAL SECURITY. NOW IN XXXX XXXX I WENT TO THE DR AND THEY TOLD ME TO GO TO THE EMERGENCY ROOM ASAP BECAUSE I HAD XXXX AND THEY XXXX. I WAS ALSO INFORMED XXXX AND IT XXXX. I HAVE LOST SOO MUCH AND HAVE GONE THROUGH ENOUGH. PLEASE HELP ME SAVE MY HOME!!!
Consumer complaint received 2015-08-16
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have needed to take out over {$150000.00} in student loans to complete my graduate education XXXX. I now work XXXX and am not making ends meet because of the high cost of my loans. I fear I will never be able to afford a family. All of my loans, including government loans, are between 6 % and 8.5 %. How can banks charge such high rates when a person could buy a {$50000.00} car for almost no interest? I imagine they are " following the rules '', but what kind of society allows institutions to make money off the backs of young people who contribute significantly to the health of its population? Is there anything to be done? XXXX XXXX XXXX, PA
Consumer complaint received 2016-10-27
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (OH)

Not enough information of validation of debt. I contacted Credit Control Services Inc through certified mail on XXXX/XXXX/16 for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX/XXXX/16. the account in question is # XXXX. Collection amount {$230.00}, however I do not owe this debt and know nothing of it. Credit Control Services appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report.
Consumer complaint received 2015-08-17
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: United Military Mortgage, LLC (CA)

I received a non-compliant marketing piece asking if my rate was higher than 2.25 %. There was no disclosed APR in the advert and nothing to indicated the loan they were offering as a refinance option was anything but a fixed rate mortgage. I would like to hold them to their disclosed offering of 2.25 % on a 30 year fixed.
Consumer complaint received 2023-05-29
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. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (FL)

On or about XX/XX/ I disputed inaccurate, incorrect and fraudulent information that was placed on my credit report. I contacted the following credit bureaus EXPERIAN, XXXX, AND XXXX, PRESENTLY I HAVE RECEIVED NO ANSWER, this is a big violation, pursuant to the FAIR CREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRACTICES, anytime a consumer files a dispute with the credit bureaus, the credit bureaus have 30 days to respond. As of this date XX/XX/ I have received no respond ......
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

On or about XX/XX/ I disputed inaccurate, incorrect and fraudulent information that was placed on my credit report. I contacted the following credit bureaus XXXX, EQUIFAX, AND XXXX, PRESENTLY I HAVE RECEIVED NO ANSWER, this is a big violation, pursuant to the FAIR CREDIT REPORTING ACT and the FAIR DEBT COLLECTION PRACTICES, anytime a consumer files a dispute with the credit bureaus, the credit bureaus have 30 days to respond. As of this date XX/XX/ I have received no respond ......
Consumer complaint received 2017-01-17
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (CO)

My payment was sent on XX/XX/2016 the payment was sent with tracking. The tracking number is XXXX and confirms the payment was received by Synchrony on XX/XX/2016 at XXXX. The check was drawn from our title company under check # XXXX is in the amount of XXXX that should have paid the card in full. Synchrony has taken the stance that they ca n't find it and it 's my problem and not theirs even though I have provided them with the tracking and check information.
Consumer complaint received 2023-05-29
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. (NV)

In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 
15 usc 1681 section 602 A states I have a right to privacy.

15 usc 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account on a consumer report without the consumers consent.
Consumer complaint received 2023-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

Ive been a victim of identity theft been reporting to XXXX, Equifax and This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore, needs to be re-investigated. 

{ dispute_item_and_explanation } I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is at this moment requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Some how fraudulent information still auto verified when the merchant account is linked to an address that Ive never stayed at nor is it on my report
Consumer complaint received 2015-08-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NH)

We request that the XXXX reporting agencies block negative credit information reported on our credit reports due to Identity Theft. During XX/XX/XXXX and XX/XX/XXXX, XXXX ( XXXX ) credit cards with small credit lines of {$300.00} to {$1000.00} were fraudulently opened in my name with my information and were maxed out and abandoned. 
In that we rarely use credit, we did not know about these credit cards until we obtained our car loan XX/XX/XXXX, at which time we received our credit report for the first time. 
We reported that these were fraudulent cards and that they should be blocked on our credit report. 
In that we are planning on getting another car loan in the near future, I requested copies of my credit reports and see that these items are still on my credit report. It is clear when reviewing our credit report that we have credit cards and an auto loan from a long time before XX/XX/XXXX/XX/XX/XXXX and since that time which have always been handled as a agreed with very few late payments. Only the cards that were issued without our knowledge have not been handled as agreed and were charged off. The fraudulent cards inappropriately reported on our credit report do significant damage to our credit score. 
We request that the XXXX credit reporting agencies immediately block these fraudulent cards from our credit report.
Consumer complaint received 2015-08-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: ERC (VT)

Enhaned Recovery called my house repeatedly outside the hours of XXXX. Additionally, although credit collection agencies have the ability to remove collections accounts from credit reports, they refused to removed our very small, PAID debt of {$120.00} ( accidentally overlooked as we moved ) and claimed that the FTC requires them to accurately report the account ( which they did, it is marked as paid ) however they outright refuse to remove this tiny colelctions debt from our credit report and they refuse to let me speak to anyone other than their " Operations Manager. ''
Consumer complaint received 2016-09-14
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TCF NATIONAL BANK (IL)

TCF overdraft fees. I have accumulated tons of over draft fees due to one day all checks are posted and the next day they are pending. Also, A SMALL CHECK COMES IN FIRST AND SOMEHOW THE LARGER 2nd checks gets paid so an overdraft is charged on the 2nd smaller check. complaint to them do no good and each time there is a new explanation.
Consumer complaint received 2023-05-29
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. (NJ)

Attended XXXX University one semester, did not go back the next due to financial aid being cut. Advised student affairs, was charged for next semester when they were told I was not attending.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (IL)

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XXXX/XXXX/2022 ; XXXX XXXX inquired on XX/XX/2022 ; XXXX inquired on XXXX/XXXX/2022 ; XXXX inquired on XX/XX/2022 ; XXXX XXXX  inquired on XXXX/XXXX/2022 ; XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX inquired on XX/XX/2022 ; XXXX XXXX inquired on XX/XX/2022 XXXX XXXX XXXX and inquired XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023 XXXX  XXXX  Date of Inquiry XX/XX/2023
Consumer complaint received 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc. (CA)

I recieved a call from a XXXX XXXX claiming he was collecting for his client XXXX mutual. Call back number is XXXX ext.XXXX claim number XXXX. He claimed I had been in an accident back in 2015, but I was n't. He had an old address of mine my full name but wrong date of birth. I have brought this to my car insurance awareness already and I was hoping this agency could futber look into this. Thank you
Consumer complaint received 2015-08-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION (NM)

Took out a payday loan from Check n Go small loan lender in XXXX XXXX, New Mexico. Due to financial hardship was unable to make regular payments. Revoked ACH authorization for automatic withdrawls from checking account, but company continues to make withdrawls or attempts to make withdrawls from my checking account resulting in bank overdraft fees and additional financial hardship
Consumer complaint received 2023-05-30
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. (AR)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Transunion credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$53000.00}
Consumer complaint received 2023-05-29
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. (NV)

In accordance with the fair credit reporting act XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 
15 usc 1681 section 602 A states I have a right to privacy. 
Experian as well violated my rights as an consumer 15 usc 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account on a consumer report without the consumers consent
Consumer complaint received 2016-12-01
Product: Other financial service — Check cashing
Issue: Disclosures — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

Centegy has on multipal occasions denied my payroll checks from being cashed from many different companys. my payroll checks have been denied over and over again on every pay period. I believe in being profiled for some reason I do not know. I have call to find out the reason why and was told that it was an algorithm that denied it and that the company has no control over it. also stated was that only 1 % to 2.5 % of the millions of checks cashed daily get declined. all of the payroll checks gone through there services recently have been declined. I have never wrote a personal. Check so why is this happening to me.
Consumer complaint received 2017-01-16
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (NC)

Hello, My name is XXXX XXXX and I am writing in regards to my Barclays Rewards MasterCard. 
I had hoped to secure a Credit Line increase on the card account without a Hard Inquiry/pull on my Credit Report, since they last for 2 years. And it 's frustrating that this can not be done. 
I am always advised when I call in, that if I do not want this done, I would have my account randomly reviewed at some time - when no one knows. But this continues to be the case. 
I have had this account for well over one year, and it still has not been provided with an auto increase. Even though there is documentation online that states an auto incerase will happen within 12 months. I 'm still waiting. 
I would like to know when my time will arrive for an automatic line increase? 2,3,4 or 5 years from now? 
I only have {$1000.00} in available credit, so if I even attempt to charge how I 'd like to charge, my utilization on this card will shoot well over 50 %, and that wo n't be good on my record, causing my XXXX to drop - hard. 
So, I 've been relagated to charging only $ XXXX a month in order to remain compliant. But it appears Barclays does n't value my relationship with them to even offer any type of line increase. 
I honestly like the card, but I 'm afriad to use it like I want to because I have a low limit. 
Please let me know when my account will qualify for an automatic increase, since it has been active in good standing for well over one year.
Consumer complaint received 2016-10-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX 2013 I got letter from Bank of America that my mortgage with them sold to XXXX. And the letter was saying all my payments should go to XXXX in Texas. I had first mortgage payment of {$4300.00} and line of credit payment of {$33.00}. Both of these payments I did send to XXXX. Later I was shocked when Bank of America sent me letter I was way to late on my line of credit payment of {$33.00}. I did contact them and explain that BOFA letter was saying all my mortgage payments goes to XXXX. But Bank of America respond was : '' not my line of credit '', which is letter did n't specify. Now my credit score damaged, because of this issue. All my communications with BOFA to try to remove issue from credit report went to dead end-no cooperation at all. Please help me to remove this item from my credit report for XXXX and XXXX of 2013. Thank you.
Consumer complaint received 2023-05-29
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: Experian Information Solutions Inc. (CA)

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) :XX/XX/XXXX XXXX
Consumer complaint received 2023-05-29
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. (MO)

Account # XXXX XXXX XXXX XXXX ( Original Creditors is XXXX XXXX ) This collection account is reporting as Open and that is illegal and hurting my approval chances. 


XXXX XXXX XXXX Account # XXXX This collection account is also reporting as open and is illegal
Consumer complaint received 2015-08-17
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX XXXX, 2015 my mother passed away. She and I both had several account together at Bank of America. Because of my mother 's declining condition, on XXXX XXXX, 2015 I made a transfer into her account in the amount of {$10000.00} to pay for the upcoming funeral services. Prior to me notifying the bank of her death, the bank froze her accounts XXXX XXXX, 2015 without notification. When I went to write a check for the funeral home services the account was blocked. I have sent in numerous documents to the bank to close the account, however they have sent me numerous requests for duplicate items including the XXXX which I completed XXXX times with their Bank Rep. XXXX XXXX, in the XXXX, NJ branch. I received letters from Bank of America requesting letters of Testamentary which I submitted XXXX times. I submitted a copy of the my mother 's will after they threatened to not close the account and after my attorney advised me against submitting a copy of the will. I have called the Estate Department ( XXXX ) and spoken to over XXXX people, I have their names and date and time I spoke with each person. Each person claims to be either the Supervisor or give me a fake number or name to a supervisor. No one knows the actual status of the account. Several have told me everything was received and a check would be mailed. Then a few days later I receive another letter requesting duplicate information. Please help! I need to finish paying my mother 's past bills and Bank of America has been a nightmare.