davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (MO)

My wife opened a Citi credit card in my name, without my knowledge, over 13 years ago - on XX/XX/XXXX - and I just found out about it 3 months ago. Since XX/XX/XXXX, I've been desperately trying to pay off the final amount I saw on XXXX XXXX  so that I can repair the damage my soon to be ex wife has done to my financial health. Citi has made it extremely hard for me to close the fraudulent account, and to even pay it off. My divorce lawyer instructed me to pay the minimum monthly amount on the Citi credit card ; fortunately, only a balance of {$370.00} was due when I discovered the card - so I thought it would be really simple to end this ridiculous situation and just pay Citi. Citi has made it almost impossible for me to close the account and finally pay off the card. I've contacted multiple offices at Citi ; I've sent multiple letters and so many phone calls I lost count. I reached the most recent individual, and he said just send them a check if they won't send you a formal statement and acknowledge that it's you and that you are trying to pay this off. So I sent a check - for {$5.00} that they charged me in addition to the {$370.00} - I just wanted it over with. Well today - XX/XX/XXXX, three months after I first contacted Citi and tried to resolve this - my check and letter has been returned to me. I am sick to death of Citi continuing to victimize me. They allowed my wife to open the card fraudulently in my name way back in XX/XX/XXXX, without my knowledge, and have let it stay open, and let her continue to charge on it for over 13 years! I've explained the situation to them multiple times - they keep asking me to verify security questions to make sure it's me, and I keep telling them I never opened the card so I don't know the questions she made up! And around and around it goes. They said they'd send me a letter with a confirmation code I could call them to verify it was me, and then pay the card off and close the account. The letter never came.
Consumer complaint received 2017-08-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I am XXXX due to a XXXX XXXX. I spent the better part of 7 hours on the phone today and got nowhere. I was never told there were any private loans until I contacted Navient for about the 15th time over the past several years. They never told me anything about a prior private loan before today. They would not give me any information regarding this/these loans and have since retained XXXX XXXX, a collection law firm who has the worst reputation imaginable for harassing anyone who apparently owes debt of any kind. XXXX XXXX contacted a lawyer who represents XXXX XXXX XXXX XXXX and then I received a garnishment issued on XXXX which resulted in my checking/savings accounts being drained to a XXXX balance. I never received any notice of this " garnishment '' and there is no way in the world I will ever provide financial information to XXXX XXXX, knowing they are listed as as " # 1 of the top ten XXXX XXXX debt collectors '' according to the XXXX. As far as I knew, all of my federal student loans were discharged due to XXXX XXXX  XXXX ( XXXX ) on X/XX/2014 ; however, I was never aware of any other loans. I am now literally terrified and at the highest possible XXXXXXX level. At one time, I tried contacting XXXX XXXX and was treated as if I was a criminal ; disrespected ; talked down to ; and the end result was that they wanted me to pay $ XXXX/month when I am on XXXX and could not do that. They were unwilling to negotiate on any level and now they have drained my checking/savings accounts at XXXX. If there are private loans, I am not aware of them and no one I spoke with today would give me any information about them. I do n't know what to do and my XXXX XXXX XXXX XXXX, particularly since I have already had XXXX  XXXX and already suffer from XXXX and XXXX, both conditions for which I take medication. If someone can help or protect me from these vultures, I would be forever grateful. Thank you.
Consumer complaint received 2017-08-09
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

I have written to the companies to inform them that I did not authorize these inquiries made on XXXX XXXX 2017 from ANY auto finance companies. I was previously approved on XX/XX/XXXX through a different lender and never authorized for my credit to be ran again or to apply for finance through different companies.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I submitted a request for a reinvestigation to remove negative items on X/XX/17 from my credit report from transunion, they responded and stated that these items were deleted but they are still showing on my transunion credit report. It is important that these items are removed immediately as they do not belong to me.
Consumer complaint received 2017-08-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

Ive reached out to Experian several times to report inaccurate information on my report due to being and ID Theft victim. Not only have I reached out via phone I reached out via mail and got no response from them or any correction to my report. I have several accounts reporting on my report as a result of fraud. Ive also submitted police report to Experian. 1. XXXX XXXX 2. XXXX XXXX 3XXXX XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX
Consumer complaint received 2017-08-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Bank of America had been notified by me beginning in XXXX of 2017 of needing complete and accurate validation of 3 personal one 1 business account that appears on my XXXX XXXX and XXXX XXXX XXXX consumer profile. Bank of America has exceeded the 30 day timeframe to validate these accounts. They are adversely affecting me yet Bank of America refused to honor the law and my consumer rights. They only provided slight account info yet 80 % of the rational, basic info I requested such as signature cards that bare my complete name, account # EIN, photocopies of checks which alegedly cased some of these accounts to close and place me in XXXX XXXX XXXX XXXX and XXXX. # etc were not provided. Bank of America only stated to me that what they provided was " the best that they could do '' and that they sre sorry, however, they are " unable to provide signature cards '' for the accounts in question. ( See attached letter from Bank of America ) The local branch also does NOT have these documents to properly validate these accounts. They are giving me the run around. I am simply a law abiding citizen that is being violated. I am XXXX I can not keep running back and foward to branches and calling 5 days a week to get these accounts off any adverse profiles it 's associated with, including their internal systems. Bank of America has provided me with 4 letters from each account stating the above mentioned about no complete, pertinent, proof of accounts under my name and ssn.. Futhermore, these accounts do n't even bare my complete legal name and I have no knowledge of the addresses associated with these accounts as I have repeatedly informed managment. XXXX XXXX XXXX XXXX refused to validate these accounts also.
Consumer complaint received 2017-08-10
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. (GA)

I disputed a tax lien on my Equifax credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I received a dispute resolution on X/X/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 361, page 105 in  the purported amount of {$2000.00}.
Consumer complaint received 2017-08-10
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. (NH)

On XXXX XXXX, 2017 I wrote XXXX that XXXX XXXX XXXX was charging me for fraudulent charges on my card # XXXX and that I refuse to pay them. I also sent XXXX 60 pages of evidence to support my claim. XXXX has, nevertheless, damaged by credit rating because I refuse to pay fraudulent charges.
Consumer complaint received 2017-08-10
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. (NH)

On XXXX XXXX, 2017 I wrote XXXX that XXXX XXXX XXXX was charging me for fraudulent charges on my card XXXX and that I refused to pay them. I sent XXXX 60 pages of evidence supporting my claim. XXXX had, nevertheless, damaged my credit rating for refusing to pay fraudulent charges.
Consumer complaint received 2017-08-10
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. (NH)

On XXXX XXXX, 2017 I wrote Equifax that XXXX XXXX XXXX was charging me for fraudulent charges on my card XXXX and that I refused to pay them. I sent Equifax 60 pages of evidence supporting my claim. Equifax had, nevertheless, damaged my credit rating for refusing to pay fraudulent charges.
Consumer complaint received 2017-08-10
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. (OR)

I have two collection accounts that were for medical bills and on both occasions the account was opened and then negatively reported within two months time. I paid in full the collection accounts and these should be removed from my credit reports according to the Medical Debt Relief Act of 2016.
Medical Debt Act of 2016 This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) if the date on which the debt was placed for collection, charged to profit or loss, or any similar action antedates the report by less than 180 days, or ( 2 ) a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days. The bill also amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that : ( 1 ) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period ; ( 2 ) the debt will not be reported if it is settled or paid during the 180-day period ; and ( 3 ) the consumer may, during the 180-day period, either communicate with an insurance company to determine coverage for the debt or apply for financial assistance. The debt collector may not communicate with or report any information to a consumer reporting agency concerning such a debt during the 180-day period.
I have disputed these collection accounts to be removed but two of the credit reporting bureaus sent me their responses saying the accounts remained the same. They did not provide me with any information about what the investigation process was and why they remained unchanged. ( One of the credit bureaus did remove the collection accounts right away though ). The accounts in question are for medical bills from The XXXX XXXX, XXXX which were turned over to collections for payment. The accounts were opened and reported within 2 months time and this was even though I settled with the collector to make payments and I paid the debts off. I want these removed from my credit reports please. The two remaining credit bureaus are Equifax and XXXX. XXXX took care of the inaccuracies. Please enforce this with the other two because they are not responding to my disputes in an ethical manner.
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

For years I have been battling all three credit reporting agencies to have child support account deleted I do not owe child support ; this account does not belong to me and further more child support cases do not have contracts, amounts owed for services or product. I have written, called, email and went into child support office as well as all three credit bureaus to get this account removed from my credit file.
Consumer complaint received 2017-08-10
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. (GA)

I have written all three Credit Bureaus EXPERIAN, XXXX and XXXX about my daughters XXXX  student loans still reporting on my Credit Report way passed the seven year mark. The following dates are listed XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I feel that the loans should be deleted because its past seven years. XXXX has also deceived me in the past asking for my Pay stubs saying I would be in deferment and they have constantly added lates every month recently as if I should be paying. They never put anything in deferment but have been constantly adding lates and dropping my score and the credit bureaus have allowed this. I ask for a fair investigation and they failed to provide that if they did they would see that XXXX is reporting and inaccurate and would have deleted the account for being inacurrate or for again it being passed seven years. XXXX is not the only account passed the seven year mark still reporting. I have a XXXX account and a XXXX account from XX/XX/XXXX and XXXX XXXX XX/XX/XXXX both again passed seven years I feel the bureaus are almost getting a kick out of seeing my down and not be able to obtain credit because I have wrote them several letters concerning this and I have been treated unfairly
Consumer complaint received 2017-08-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ad Astra Recovery Services Inc (MS)

I had an online payday loan from XXXX XXXX for XXXX. My payback was for XXXX. My personal information was given to a third party agency without my permission. I did not authorize my information from XXXX to be given to a creditor ( AD Astra Revovery Services , Inc. ). I could no longer contact XXXX about my account because it was sold to a creditor without my permission. My rights were violated by both XXXX and Ad Astra Recovery Services, inc.
Consumer complaint received 2017-08-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Bliksum, LLC (CA)

within the last 2 months from todays date of X/X/2017 : I have asked XXXX ( XXXX : XXXX ) I think this is there website, a collection agency hired ( so they say ) by XXXX ( XXXX ), to whom the original loan was from, to stop calling my place of work. They have harass and threaten to sue me for fraud even though I have said for them to take those actions, just stop calling me. They have repeated phone my place of work when i have told them to stop such actions. Have called extended family to discuss my situations. There phone number is usually an XXXX or XXXX number and say they are XXXX XXXX. The most recent is XXXX
Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX has continued on several occasions to ignore repeated written requests for proof of documentation that were sent via mail and has violated federal laws by not responding to my written requests via mail. I have reported the creditor to the Georgia State Attorneys office for violating both state and federal laws. I have notified the creditor several times that this debt is not valid and a error was made on the part of the original creditor. The original creditor removed this debt from my report due to their error and has sent me a letter in writing notifying me of the removal of the debt. XXXX XXXX has willingly reported a debt they know is not valid and has failed to contact the creditor regarding the debt. I do not owe XXXX XXXX XXXX  and XXXX refuses to remove this debt knowing it is not valid.Also, XXXX does not have the consent of XXXX XXXX XXXX to report this debt.
Consumer complaint received 2017-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Excessive fees — 
Company: Rocket Mortgage, LLC (KS)

XX/XX/XXXX- XXXX XXXX credit card payment XX/XX/XXXX- XXXX XXXX money withdrawn " big amounts '' well it 's my money so.!!! XX/XX/XXXX- XXXX XXXX auto loan payment XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX , Ks XX/XX/XXXX- XXXX XXXX XXXX new account
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

I have called and been hung up on after being tossed around to different departments for an hour. I have sent two registered mails and emailed the company. Registered Mails : 1. to XXXX XXXX XXXX XXXX OH XXXX FIFTH THIRD BANK USPS Tracking Number : XXXX with Signature Confirmation 2. to local branch. Fifth Third Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Sent via XXXX tracking number : XXXX Both letters instruct to close the account. I do not want to go the branch. I opened the account over the phone and not in person and expect the same to close the account.
Consumer complaint received 2017-08-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (AL)

While checking my credit reports I noticed a collection from Midwest Recovery Syestems. This is not my debt and I have n't heard from Midwest at all concerning this unverified debt. This violation of my rights has caused stress and damage to my credit report.
Consumer complaint received 2017-08-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (WA)

I am not sure ; but they took the loan payback out of n my paycheck, back in 2012, they have been harassing me ever since for money. It 's insane!
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Clifton Mortgage Services, LLC (FL)

I was threatened that they would take service away from me.They claimed they sent certified letter that they can not prove..The letter I got was dated 1 month prier to postmark and they hired a lawyer the next day. I denied the validity of the debt in writing. Then I took legal action and was forced into a Bankruptcy..Now they have sent a letter to ever owner in this is condo unit and I am getting hat mail and threats daily.I have a clean record not even a traffic ticket.
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I recently submitted a payment of {$350.00} to one of my student loans. I placed notes on the check memo, I submitted a piece of paper with instructions on how to apply the payment, and I submitted a document saying how the payment was to be applied as requested to my lender. I have had to contact Navient each time I 've had a check payment submitted due to them not applying my payment correctly. Even when I follow their instructions. This causes interest to build up and bill incorrectly. I requested a full audit of my student loans be completed and provided to me. I have not heard back. I filed a complaint with the department of education and the payment was corrected but I was never provided with an audit. This is the third instance in which Navient has applied my payments wrong, and against instructions. The first time was in XX/XX/XXXX for {$3800.00} - The second time in XX/XX/XXXX for XXXX, and finally I submitted a payment in check format for {$350.00} in XX/XX/XXXX. I will be filing a complaint with the Department of Education again.
Consumer complaint received 2017-08-09
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: Resurgent Capital Services L.P. (CA)

A derogatory remark and reporting on my credit report from an alleged debt from XX/XX/XXXX. I have requested validation of debt and collection agency has not responded to me. I also submitted a dispute with credit bureau 's and they have not fixed the issue all they did for me, they added a remark on my account that reads " Account information disputed by consumer, meets FCRA requirements '' How could this meet the FCRA requirements when I have never received any notification from any agency regarding this alleged debt. I been residing at my current location since XX/XX/XXXX and never received any letter from them.