davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-14
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: Experian Information Solutions Inc. (TX)

On multiple occasions I noticed XXXX and XXXX XXXX online retailer their reporting of a XXXX balance is incorrect and should be deleted from my credit report. I opened an account in XX/XX/2010. Had it for 1 year paid for items received. I ordered holiday items a couple of years later. The items were poor quality. I returned the items via USPS. I called because the credit to my XXXX XXXX account was less than what I returned. company representatives advised all the items were not in the box. I advised them they should check their warehouse, post office but I returned all. The fact they had some of the returns should warrant an internal investigation. No one looked into the matter. I sent letters to the company and the credit bureau. All responded the debt was verified disregarding I returned the items but the company stated it was a partial return. XXXX in more than one case sides with the corporation disregarding proof of error.
Consumer complaint received 2018-07-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc. (TX)

I contacted The company by certified mail in regards to a collection listing on my credit report. I had no knowledge of this collection so therefore I wrote a debt validation letter to the company on XX/XX/XXXX in  regards to the collection being reported by them in the amount of {$2200.00}. Company replied by mail dated XX/XX/XXXX well after the 30 day limit to reply to debt validation request. Company did not provide me with proper validation of this debt. As per the FDCPA companys debt validation letter is to inform me that I have 30 days to dispute this alleged debt. The Company was also required to also provide me with a statement that if I dispute the debt in the given 30 day time frame that their company will then mail me verification of the alleged debt or a copy of the judgement against me. Company did not provide me written notice of either of these required statements. I then replied to the companys recent communication on XX/XX/XXXX asking them to cease and desist all collection activities due to their failure to properly validate this alleged debt and failure to comply with FDCPA regulations. Company has yet to reply.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

In XX/XX/XXXX I sent out a certified letter which was an inquiry letter about items being on my report that are not authorize. they sent me a letter stating that the items were factual and they remained on my report however Im a victim of XXXX breach as well as I sent in a FTC report regarding fraud gave them the report number as well they sent back me A generated letter saying that the items were factual. if Im a victim of XXXX breach an my information is linked as well as Im sending you a report of Unauthorized inquiries on my account and unathurized use of items on my credit how is it factual. Theyve done this to me several times in attempt to removing these inquiries off my account and the items I listed in the attachment. Perfect example XX/XX/XXXX I disputed items once again the same items Ive been disputing in on XX/XX/XXXX that Dispute was completed the same day and I called about XXXX  so how are you looking into the matter if it takes you less than three hours to complete an investigation then send me a report two days later XX/XX/XXXX that the investigation is complete.This shows me that XXXX is failing to be concerned with my credit report as I am and continue to issue generated responses to this serious matter that I believe is very serious on my report. I have fraud alert and security freezes with all 3 credit reporting agencies after this breach with XXXX and the glitch with XXXX  Another issue is XXXX  shows they sent them documentation of removal of late payments due to hurricane Irma from XX/XX/XXXX through XX/XX/XXXX the items were removed from all three agencies. A few day after XXXX  XXXX and Experian re-inserted the items again ( without a 5day notice ) now this has been a problem because Im unable to Receive much-needed credit and high  interested rates and denied credit do to these bad inaccuracies they are costing me more money by the day and are hindering me the letter the company sent them is also insert it in the attachments.
Consumer complaint received 2018-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (MI)

I SENT A CERTIFIED LETTER ASKING FOR VERIFICATION FOR A COLLECTION ACCOUNT NAMED XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA, XXXX, IN THE AMOUNT OF {$390.00}, THEY ARE REPRESENTING XXXX THIS IS REPORTING ON MY CREDIT BUREAU 'S AND IT WAS DELIEVERED AND SIGNED FOR BY THE COLLECTION COMPANY ON XX/XX/18. I HAVE NEVER RECIEVED ANY TYPE OF VERIFICATION BACK NOR HAS A NOTICE OF DISPUTE BEEN PLACED ON MY CREDIT REPORTS. I WANT THIS COLLECTION ACCOUNT DELETED PERMANTELY WITH THE ORIGNAL COMPANY AND THE COLLECTION AGENCY. THEY ALSO ARE NOT REPORTING THE ENTIRE ACCOUNT NUMBER, ONLY A FEW DIGITS, FOLLOWED BY ASTRICKS/STARS. THIS IS A VIOLATION OF THE FOLLOWING : -NOT REPORTING ENTIRE ACCOUNT NUMBER IS A VIOLATION OF SECTION 609 OF FCRA , SECTION 623 ( A ) ( B ) ( 3 ) AND/OR THE FAIR DEBT COLLECTION PRACTICIES ACT SECTION 807 ( 8 )  BY NOT PLACING THE DISCLOSURE WITHIN THAT REQUIRED 30-DAY PERIOD.
Consumer complaint received 2018-07-15
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. (IL)

I was a victim of identity theft due to a massive data breach via XXXX and other agencies. My personal information was compromised and accounts and other items were opened in my name. I attempted to resolve the issues with all three credit reporting agencies. Even after submitting police reports, FTC affidavit and other items, the three credit reporting agencies refused to removed the erroneous accounts from my consumer report.
Consumer complaint received 2018-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Approximately XX/XX/XXXX/XX/XX/2018 I requested from the federal student loan servicing to change my payments so that it reflects correctly on my credit report. Currently on my credit report it has me as having to make a payment of $ XXXX/month once I'm out of forbearance. Because I only make $ XXXX/year this has resulted in me getting denied a consolidation loan for my credit cards due to a high debt to income. I contacted federal student loan about this. They said I would have to enter the repayment status, then pay {$5.00}, then they would put me back in forbearance and then report to the credit bureaus that my payments would be $ XXXX/month. I did everything as said and it still says {$3000.00} on my credit report. They said it would reflect the {$400.00} by XX/XX/XXXX. Last week I had to call again because then I received an email saying I had to pay {$400.00} by XX/XX/XXXX. They fixed this one I called and told me that they would submit the request for the {$400.00} to be reflected on my credit report but now I have to wait until XX/XX/XXXX for it to show. But in the meantime I'd get a letter stating this {$400.00} that I can give to the bank to appeal the denial of the consolidation loan. I got the letter and where it has payment it says TBD. This is not going to help me at all!!! I've done everything I was supposed to do and still nothing. I don't have time to wait another month for this.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

XXXX XXXX is hitting me with 2 hard inquires for XX/XX/XXXX and XX/XX/XXXX. I should only be hit with 1 inquire as both were done on XX/XX/XXXX. The confusion is it took an additional day to process the other part. I have spoke to them on the phone around XX/XX/XXXX about the situation and they agreed to remove the Inquiry on XX/XX/XXXX. 

Since than I have noticed no changes and I have put in 2 separate cases/complaints about the matter which both have passed the 30 day rule. 

I than called up XXXX XXXX again and they were unsure what to do and could not find my agreements in the files. I just hope they follow there original agreement as I have been a good cardholder with there company and plan to continue to be.
Consumer complaint received 2018-07-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Company keeps calling and harassing me claiming I owe them a debt i never had with them. i ask for proof of this debt, but never receive it. They are rude and belligerent. 

This company has had to settle lawsuits with attorney generals of various states.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A. (NY)

Citi Cards is hitting me with 2 hard inquires for XX/XX/XXXX and XX/XX/XXXX. I should only be hit with 1 inquire as both were done on XX/XX/XXXX. The confusion is it took an additional day to process the other part. I have spoke to them on the phone around XX/XX/XXXX about the situation and they agreed to remove the Inquiry on XX/XX/XXXX. 

Since than I have noticed no changes and I have put in 2 separate cases/complaints about the matter which both have passed the 30 day rule. 

I than called up Citi Cards again and they were unsure what to do and could not find my agreements in the files. I just hope they follow there original agreement as I have been a good cardholder with there company and plan to continue to be.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NC)

XXXX XXXX XXXX XXXX sent me - by name - a credit card offer promising XXXX bonus Skymiles and a {$50.00} statement credit if I spent over {$3000.00} in three months and bought a ticket on XXXX XXXX  website. I did all that, but no bonus and no credit. Why? When I called, they quickly told me it was because years ago I had a XXXX credit card. Really? Then why did they send me the bonus offer? Credit card companies should be obliged to honor the bonus offers they send out to individuals, if the basis for refusing the bonus was known to the company at the time they sent the offer.
Consumer complaint received 2018-07-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

The issue is Navient 's ( Sallie Mae Student Loan Debt Servicing ) illegal data mining on my private computer. Today, XX/XX/2018, while on-line at Navient 's site filling out my annual application for income driven repayment, the Navient site requested that I update all of my personal information. When I hit the auto-fill option for telephone numbers, it listed all three of our telephone numbers ( 2 cell and 1 landline ). Plus a lot more that shocked me. Two of Navient 's auto-fill entries pertain to private information that has nothing to do with Navient and is only saved on my computer. One suggested ( Navient ) auto-fill telephone number is a local government agency I've been dealing with since XXXX of this year. It also listed that governmental email address. The other suggested auto-fill entry had an entire sentence from a personal letter, saved in a file folder about 7 layers deep within MyDocuments. That specific sentence is unique, and entered only one time, in one letter, saved in a separate file folder, even deeper within MyDocuments. It was never transmitted by email. That letter was written, printed out, and hand-delivered in a meeting. I've photo recorded both of these " illegal '' privacy infringements on my phone, and sent the pictures with a detailed explanation to as many people as possible. The message being, get off the internet and stay off. The " hackers '' we hear about on the news is the US Government. This Governmental infringement on privacy will destroy the internet. I'm off line, permanently. I will wait for an internet response from CFPB to get a telephone # to continue this discussion if you wish. All discussion after that will then be via snail mail. If I don't hear anything within a reasonable period of time XXXX just lost another customer. I'm going back to snail mail. The internet is dead as far as I'm concerned. I will contact XXXX and some-how find out how to download en mass everything I've ever entered on their cloud server, to hard-copy paper, and then shut down/delete everything in the Cloud. Governmental infringement on privacy is the death knell for the internet.
Consumer complaint received 2018-07-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (MI)

-Received a collection notice dated XX/XX/XXXX regarding collecting a debt from XXXX XXXX XXXX for XXXX from XXXX XXXX XXXX - Wrote back on XX/XX/XXXX indicating that this was not my debt, I have no knowledge of this and if they feel it is proper, send nature of debt, original paperwork or other documentation. 
- Never received any further correspondence. 
-On a routine check of my credit report at the beginning of XX/XX/XXXX, noticed XXXX XXXX effort showed up on the credit report. 
-Called immediately, talked to XXXX . He took my name, phone number and email and told me XXXX XXXX would be contacting me. 
-After one week and nothing from XXXX , I called back and talked to XXXX again. I asked him to connect me to XXXX, he said she was busy. He gave me XXXX 's email address as well as a general email address and suggested that I email her and register the dispute on the general email address. I sent 2 emails disputing the debt and suggested this was most like identify theft and asked that she acknowledge the dispute. 5 weeks later, I have not gotten a return email. 
- I recently received another collection attempt from XXXX offering to settle the matter for a 25 % discount and threatening further collection action. I did receive with this collection notice a description of debt as well as some personal information on myself that is readily available on the internet such as address, phone number. It also had partial information on a bank account that I do not own and an email address that is not mine. It does not appear that this lender, XXXX XXXX XXXX asked for any form of identification or original signature when this debt was initiated. 
-I send another letter disputing the debt and asked if they could provide any information that this debt was mine.
Consumer complaint received 2018-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

I have ( had? ) a personal checking account with Citibank. I had a little over {$1300.00} in that account when on Monday XX/XX/XXXX I deposited a check from my mother for {$5000.00} Normally, Citibank takes a few days to clear the entire check and the bill I needed to pay I could pay next week, so I didn't think much and went on with my life On Friday XX/XX/XXXX, my debit card declined when I tried to buy a XXXX XXXX Railroad ticket to visit my mother. I didn't think this could be correct as I had over {$6000.00} in the account and the ticket was only {$9.00} I went upstairs to a citibank branch next to XXXX XXXX. My account and all my money were gone. I called the number on the back of my bank card, XXXX XXXX XXXX. The first four people who picked up HUNG UP ON ME After more than an hour on the phone, refusing to connect me with a supervisor, I finally got a person who informed me I had committed " bank fraud '' and had submitted a " fake check '' The check was from my mother, and from a XXXX account. XXXX confirmed with us that on XX/XX/XXXX the funds were withdrawn from my mother 's account and citibank was paid The check is NOT a fraud. Furthermore, when I asked about the {$1300.00} I had in the account before I even deposited the check in question, I was told that was also " gone '' Not only have they made a fake claim against me, they have illegally seized my funds. How can they get away with this?
Consumer complaint received 2018-07-16
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. (AZ)

There is a public record, " Bankruptcy, '' reported in my credit file. The bankruptcy is a ChXXXX which was filed in XX/XX/2010. The law clearly states that this record can not be on my credit report for longer than 7 years. XXXX and XXXX state that the information they are receiving regarding my dispute with the reporting of this information past the legal parameter of 7 years states that the bankruptcy is a ChXXXX. This is fraudulent information. 
The case was converted to a ChXXXX. 
The law clearly states that the bankruptcy it is to be reported to a credit bureau as it was originally filed and when it was originally filed ; with that being a ChXXXX in XX/XX/2010. The record can not be reported as a ChXXXX be side it was not. It was converted to a chapter XXXX with the same case number and filing date. I DID NOT FILE A CHXXXX IN XX/XX/2010 LIKE THEY ARE REPORTING. THIS IS WRONG AND FRAUD
Consumer complaint received 2024-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The only person i could think of that would of stole my identity would be my ex wife. I became suspicious of her when she used to hide the mail. Ive been trying to get these fraudulent accounts removed from my credit report but nothing has worked so far.
Consumer complaint received 2018-07-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (FL)

Bait and Switch Good Afternoon, I am writing to you to explain how displeased I am with this company. I honestly feel like you pulled a Bait and Switch routine. I came to One Main seeking a personal loan to cover some debt. You were only able to do a portion of the amount I needed. I was fine with that and was ready to walk away. Then you start telling me about taking over my car loan and I could then use that as collateral for the additional funds I needed as another personal loan. I gave you permission to talk to my wife to help facilitate this process and you repeated told both of us that in the future I could refinance and take the car out of the loan if i found a new car i wanted to purchase. You went on and on about being able to do that and gave examples how to do it the right way by contacting you guys first because you've had customers just go through the dealership and which caused hiccups. I feel so manipulated and taken advantage of. I even stayed at your office for 3.5 hours while this was being hammered out. you had to do certain things so the system would take it and again you insisted I could refinance and take the car out when i was ready to purchase a new vehicle. 

As you see the email below ; i asked to do just as you instructed me to do. then you call me and tell me i am not able to take the car out of the loan and that the total loan is XXXX for the car. The way you presented it was not like this. Your word choice suggested the car could come out and the rest of the personal loan would be refinanced. 

Had you explained it correctly I would have never went through with the loan. But you knew that and that is why you presented it the way you did. So basically in a nut shell you created a car loan for an estimated 13K when it was worth only maybe between {$7500.00} and {$8500.00}. 

How you and your company handled this situation is complete wrong. You all should honor what you stated repeatedly to us and pull the car out and refinance the rest of the personal loan. 

I want this situation resolved.
Consumer complaint received 2018-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE SENT IN COUNTLESS LETTERS OF DISPUTES AND CERITIFIED LETTERS BEGGING AND PLEADING WITH THEM TO REMOVE FRAUDULENT INFORMATION OFF MY CREDIT REPORT THAT RELATES TO MY NAME AND HOME ADDRESS INFORMATION. I HAVE BEEN A VICTIM OF IDENTITY THEFT AND BY NO MEANS HAS THIS EVEN MOVED EXPERIAN BUT ACCORDING TO THE FAIR CREDIT REPORTING ACT THEY ARE SUPPOSED TO REMOVED THE INFORMATION IMMEDITATEDITY ONCE NOTIFIED WELL IT HAS NOT BEEN DONE AND I AM HIGHLY UPSET.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.