davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (WI)

I sent a XXXX scammer some money, he never sent me concert tickets. I know it was my bad. XXXX XXXX launched an " investigation. '' I filed a police report. The officer heard my story and said, " I bet you {$5.00} you sent money to XXXX XXXX XXXX account, right? For some reason, every scam I come across involves XXXX XXXX XXXX. '' Telling, right? 

XXXX XXXX responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank XXXX XXXX XXXX and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing XXXX could do and that the claim was closed. I 've asked them if they could verify that the stolen/illegitimate checking account could be shut down - XXXX says that is up to XXXX. XXXX will not discuss another account with me because I 'm not their customer. 

However, XXXX did tell me ( and I 've learned ) some interesting things. In the letter they said that my transaction was initiated on XXXX. It did. They also say that this transaction did not post until XXXX. This was after my dispute was filed and after they " opened '' their investigation. Fishy. They also write, " Please be advised that the token you provided did not match the name of your intended recipient. '' When I asked the supervisor why in the XXXX they would allow a transaction to proceed that did not match the name of the intended recipient, he told me that I did not understand " token based transactions '' and that this was perfectly normal and not a security concern at all. 

One more thing -- while researching XXXX and their security I found this thread from XXXX that is used exclusively as a marketplace for similar fraudsters and scammers https : XXXX This thread ( before it was edited to remove the content ) talked about how XXXX had XXXX security flaw whereas you could enter any mobile number to receive your verification code -- and the number would not need to match the one associated with your bank account. 

Bottom line : XXXX does n't take their security seriously. XXXX XXXX does n't care about it 's customers and XXXX  XXXX XXXX is a haven for scammers.
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC (TX)

I work for a XXXX XXXX XXXX, and Sequium Asset Solutions calls the direct line to my office at least 1 time per day, sometimes more. I was on vacation 2 weeks ago, and the caller ID registered at least 7 missed calls.
I have spoken to them on maybe 4 or 5 occasions, and they tell me that they are placing the number to my direct line on their " Do Not Call '' list. I have spoken with customer service representatives, and I have spoken to company supervisors. I last spoke to a " XXXX XXXX '' at about XXXX XXXX today, XXXX XXXX, 2017. 

I told XXXX XXXX that I feel harassed, especially because I have requested that they STOP CALLING my direct line.
Consumer complaint received 2017-10-12
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. (MO)

I had an account with XXXX XXXX XXXX credit card that was paid in full prior to me filing chapter XXXX bankruptcy-XXXX balance. Since I had to file bankruptcy, this particular card was included in my bankruptcy petition with XXXX owing. However, the information that had already been reported was re-reported to Transunion and XXXX by this creditor in error. This information that was re-reported caused my credit score to take a huge dip of XXXX points! 
I contacted the creditor and they advised me that they reported a XXXX  balance account on XX/XX/XXXX and had no language that should have caused a dip in score. The credit bureaus advised that this is how it was reported, so I 'm at a loss! 
Also, the address on my credit reports isnt correct. My address is showing as:XXXX XXXX XXXX XXXX XXXX , MO XXXX on Transunion and showing as:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MO XXXX on XXXX-I have submitted documentation proving my address/idenity/etc, and to no avail, they wont update it! I was advised by XXXX to resend the info that I 've mailed and faxed previously.
Consumer complaint received 2017-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

For a week I have been complaining to Trans Union. Today I called and spoke to a woman who obviously in another country if not another world. I am trying to get an account removed because it has been closed for 7 years. I paid the account as agreed and she stated that any NON ADVERSE account must remain for 10 years. The problem is that when I was young and had no credit, the only company that would give me credit was called XXXX XXXX. 40 years later I needed a loan and went to XXXX which is the new name for the old company. Little did I know that a consumer loan company is a black mark on your credit. I paid the loan as agreed and in XXXX of XXXX it was closed. In the meantime I checked my credit score and one of the reasons for a lower score was that I had used a consumer loan company and that many people with poor credit do as well. Since I checked that, I have been waiting for the 7 years to pass when I could get it removed. Now they tell me that if it in NON ADVERSE, it must remain for 10 years. If it has a negative impact on my credit score, it is an adverse account. I want this account removed from my credit bureau as it adversely affects my credit score just by the type of company it is.
Consumer complaint received 2017-10-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On my credit reports from XXXX, XXXX, and XXXX there appears a tradeline that I have been disputing since XXXX with the CRAs and the furnisher. 

The tradeline is furnished by Bank of America and lists a XXXX XXXX account number for an alleged conventional real estate mortgage opened in XXXX XXXX. The reference number is XXXX. 

I did not get a mortgage loan from either Bank of America or XXXX XXXX in XXXX XXXX. There is no promissory note, allonge, or endorsement of a promissory note listing either as a lender with me as a borrower. 

The CRAs keep returning verified as the result of the reinvestigations.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PENTAGON FEDERAL CREDIT UNION (CA)

Dear, Im XXXX years XXXX XXXX person, on XXXX/XXXX/XXXX, I filled Didpute against Mechanic shop that had my car for 2 months, couldnt start the car due to getting starting Error the key couldnt start the car, on XXXX/XXXX/XXXX got car back but he next day I got same Error the key couldnt start the car, XXXX XXXX  XXXX XXXX suppose to send programmer to reprogram the Key but he/her never showed up so on XXXX/XXXX/XXXX, Pentagon Credit union send an Email credit card dispute form to sign, so after signing the form, the customer rep said is going to take 30 to 45 days to resolve but usually after two weeks I get a provisional credit, on XXXX/XXXX/XXXX I called to check the status of my dispute, the Rep couldnt find it, after talking to supervisor I asked to get Reciept and email it, I told him my credit card XXXX is my recipt since we didnt sign any binding contract when my car was towed from one mechanic shop to XXXX XXXX XXXX after 24 days it seems Pencredit union just opened new dispute usually Pencredit union send you dispute form and after signing get resolved since Pencredit merged with other banks everything is backed logged, we have to wait 40 minuets and their service is worst and that was not when I accepted their term and regulation, Pencredit union must follow our term/agreement and one of XXXX protection is to dispute any charge within 30-45 days after 24 days didnt work on my dispute or lost it and this is violation of our term.
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

So the credit companies have a security breech, and I freeze my credit. I should n't have to pay {$10.00} to Experian every time I have to freeze or thaw my credit. They make the mistake and I have to pay for it. So they will profit from their neglect.
Consumer complaint received 2017-10-12
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: Experian Information Solutions Inc. (OH)

I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX {$2000.00} XXXX XXXX  XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX XXXX
Consumer complaint received 2017-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have incorrect info on my credit report. I do not know of this info it does n't belong to me These are the itmes that do not belong to me XXXX XXXX {$5400.00} XXXX XXXX  {$2000.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX {$590.00} XXXX {$140.00} XXXX XXXX XXXX
Consumer complaint received 2017-10-12
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. (WA)

I have applied for, and qualify for, income driven payments. These are all handled on XXXX website by the XXXX. 

Navient refuses to accept them, and requires me to submit them manually, intentionally putting additional steps between me and my income-driven repayment plan that are not necessary. 

My other student loans have easily switch to income driven payment with a single application on the XXXX website, except for navient.
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (OH)

To whom this may concern, I would like to dispute my Comenity Bank account through Victoria Secret. I have discussed the issue with Comenity Bank multiple times, but nothing has come out of it. Last night was the last straw for me. Back on XX/XX/XXXX I received a call from them to collect a debt. The lady on the phone  told me that I owed some certain amount, HOWEVER if I paid {$140.00} that day, my account would be current. So, I did just that and was told that I was caught up with the account. I was never advised to close it at this point because I did not know at the time that fees were still going to be added. The conversation ended and I went on with my life. 

Fast forward to the past couple months, I have been receiving phone calls from Comenity Bank telling me that I am responsible for a payment of {$110.00}. Mind you, I no longer have this card nor have I made any purchases with it. I have talked to multiple people explaining the conversation I had with the lady back in XX/XX/XXXX. No one did anything about it. Everyone that I talked to just told me that I needed to pay it or it will go into collections. I then proceeded to tell them I am not paying for something I do not owe, and told them they needed to review the tape from XX/XX/XXXX.
Last night, I received another call from them to which the man on the phone was very rude. He told me that yes, the card was up to date as of XX/XX/XXXX but because I never closed it, there were still fees that were being added. I was not happy because this is the FIRST time I have ever heard that. I did not know the card collected " fees '' when there was no balance on the card. Needless to say, I was not happy and he hung up on me before I got the chance to ask him about disputing it. I then called them back and talked to a lady who gave me the address for the dispute line. She gave me the dates that I needed and certain amounts. 

This whole ordeal is showing up on my credit report and ruining it. The lady I talked to last night said I will have another bill being mailed out to me today ( XX/XX/XXXX ), due to me not having a bill on hand. I have also not received anything from them in the past 2 months or so. If you could please help me with this matter that would be great. 

Thank you for your time, XXXX XXXX XXXX
Consumer complaint received 2017-10-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

I am very upset on how the school and lender lured me into applying for personal loans vs applying for another type of aid. I was told since I had perfect credit I needed to apply for personal loans and that is how I was going to be able to attend school. This has affected me deeply since I am not able to work out a flexible repayment plan and has affected my credit tremendously.
Consumer complaint received 2017-10-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (TX)

I worked for XXXX XXXX XXXX in XXXXuntil the business closed, They have since gone out of business. I signed for many things when the owner was not in the office. I signed for a credit card machine for the company. I never used it for personal things. The machine was returned to the company per owner. 

This company continues to put it on my credit renewing it over and over. He said he would make it a personal vendetta. 

If this was something I personally owed it would of been paid. As you can see from credit rating. I pay my bills and all on time. 

If there is anything you can do, it would be greatly appreciated. 



Yours truly, XXXX XXXX XXXX from XXXX Mail on XXXX
Consumer complaint received 2017-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

XXXX agreed to remove a 90 days late indicator from XXXX XXXX from a number of accounts. I have forwarded this information to the credit reporting agencies, and disputed numerous times, but the 90 day late indicators continue to reappear on my credit reports, after being removed.
Consumer complaint received 2017-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over 19 credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.
Consumer complaint received 2024-10-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

On XX/XX/XXXXXXXX XXXX XXXX I received a message from Carrington Mortgage to call them back. I returned the call and during the course of the conversation confirmed that I was not affected by Hurricane Helene, there was no damage to the property, nor was I requesting forbearance or any assistance/loan modification. On XX/XX/XXXX I received a letter from Carrington entitled, " Presidentially Declared Major Disaster ( PDMD ) Forbearance Voluntary Cancellation Notice '' wherein they allege to have " received a request from you to voluntarily cancel your ... forbearance plan. '' Furthermore that " your request has been processed and your loan is no longer in forbearance. '' As mentioned, I never requested forbearance nor ever completed any application for forbearance. On the contrary, I instructed on XX/XX/XXXX that I did not need forbearance. This letter leads me to believe that my loan was put into forbearance by Carrington leading to potential negative consequences for me in the future.
Consumer complaint received 2017-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I XXXX XXXX I am a victim of Identity theft for quiet sometime. I got a report and I saw some unusual activities in my account. 

a. Someone tried to use a credit card online in the middle of the night about few months ago. 

b. Today I received a notification showing that someone trying to open another account at XXXX XXXX. 

c. Most of the Inquiries reflected on my credit report were not done by me. 

I found out all of the three credit bureaus were hack by hackers and therefore i believe am one of these victim of Identity Theft. 

I believe someone got access of my personal information without my consent. Please advise what you recommend to do in my situation. 

For now, I wish of you to remove any inquiries including within this month of XXXX XXXX, As soon as possible or within 30 days of this notice because I have not applied for any credit cards or store credit including this month of XXXX XXXX. 



If you have any questions, please let me know. 



Sincerely XXXX XXXX One of the people of the california --
Consumer complaint received 2017-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

XXXX XXXX, XXXX a credit charge of {$1400.00} from XXXX XXXX XXXX to my citi credit card was a fraudulent charge. I tried the dispute process and citi had issued a temporary credit. I provided all documentation while citi went back and forth with the merchant. This went on for about three months. I called citi when they sent a statement/communication stating that the dispute was closed and in the merchants favor. I explained all of the details, and the representative issued a XXXX credit. This still leaves my account overdrawn and over the limit. Now I am having a hardship paying the balance which is now over {$1800.00} with interest and is due the 20th of this month.
Consumer complaint received 2017-11-09
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: Credit Consulting Services, Inc. (CA)

On correspondence dated XXXX XXXX, XXXX, I wrote to this company asking for Validation documents for account number XXXX. More than 30 days have passed, and this company still has not sent me any validation document. This is a violation of Both FCRA and FDCPA. For the other referenced accounts, I have never received any validation documents as well. Almost two months and nothing has been sent to me to prove the validity of this item. This is my last resort and I am not going to hesitate to get my legal counsel involved.
Consumer complaint received 2017-11-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (NY)

This company has reported the alleged collection to all 3 credit reporting agencies without notifying me of the alleged debt. No phone calls, letters etc. I have sent a debt validation letter with zero response yet they are still reporting to the credit reporting agencies.
Consumer complaint received 2017-11-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (NJ)

Citi Bank is contacting my relatives and friends and advising they are calling to collect a credit card debt I owe. They keep on calling them on a daily basis, after repeatedly told not to call them. 
Not sure, how they got the numbers of these relatives, because it was never given to them, when I opened the credit card account with them. Nor are the relatives and friends guarantors for the credit account.
Consumer complaint received 2017-10-12
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. (CA)

My XXXX XXXX account was settled and should be a XXXX balance however Equifax is still reporting a balance of {$2100.00} which is not correct.. I have submitted demands to Equifax with proof and my credit profile has yet to be updated and there has been no response from Equifax at all. Update the balance immediately or delete this account off my credit file!!
Consumer complaint received 2017-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THE FOLLOWING INQUIRIES WERE NOT MADE BY ME. THEY ARE FRAUDULENT. I ASKED FOR THEM TO BE REMOVED Finance XXXX Dc Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX. 
XXXX XXXX XXXX from XXXX XXXX, XXXX + Bank
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.