davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-28
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: EQUIFAX, INC. (WV)

I filed a dispute with Equifax for multiple hard credit inquiries listed on my credit report that should have been counted as one that I authorized when purchasing an automobile. The dealership shopped around for the loan but did not tell me they would be doing this. XXXX and XXXX counted only XXXX inquiry but Equifax counted all XXXX separately that were made on the same day. Also several inquiries should have been removed after two years. Consequently these inquiries have adversely effected my Equifax Credit score. 
Also, my credit history on Equifax is shorter on this most recent report than the one dated in 2015 which showed two older accounts that would have significantly lengthen my credit history, Since credit history accounts for 10 % to 15 % of my credit score this too has had an adverse effect. I request help from CFPB is resolving these issues with Equifax.
Consumer complaint received 2024-10-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Collectors International, Inc. (NY)

I was sent an email from a debt collector only containing information on how to pay the debt and no information on how to dispute or that it was my right to dispute. The debt collector also left a voicemail on the same day containing no information, just a request to call back. When I attempted to call back the person who answered the phone refused to be on a recorded line and immediately hung up the phone. When I called back he would not answer the phone. When I called again he still would not answer so I left a voicemail reminding the debt collector that if he had not delivered any information on the debt he was not permitted to report the debt to credit agencies at this time.
Consumer complaint received 2017-10-22
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

At the age of XXXX, I met with a counselor at XXXX University, in XXXX, CA.
I applied and was accepted into there XXXX program which I completed XXXX 2014.
To pay for the tuition I secured a Fafsa loan.
I accrued a {$180000.00} debt. Now I ; m homeless and suffer from XXXX XXXX.
The XXXX University counselor failed to inform me that being a resident of California and over age XXXX, I could have earned an XXXX at a California XXXX University, for only {$11.00} per semester not per course but per semester.under California Education Code Section 68017, ( XXXX year old tuition waiver ) But being that XXXX is a for profit school, they convinced me to attend XXXX they took advantage of me, and did not inform me that I could earn an XXXX at a California XXXX  University school for under {$1000.00}, total.
Instead I attended a XXXX and incurred a {$180000.00} debt.
Which now at age XXXX will Never be able to REPAY.
Please help me. Please
Consumer complaint received 2017-10-22
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. (TX)

XXXX XXXX just appeared on my credit report this week. It is an account that says I 've had it for XXXX years. This is not me, the account is fraudulent. This is ID theft. I have never opened an account with this company. Please remove from my credit report as it violates hippa and the cra.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2017-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc. (FL)

I previously contacted Santander, XXXX XXXX XXXX XXXX XXXX disputing the error on my credit file that was posted without my consent. I strongly believe that the companies associated with this account have committed a major crime and should be rep-remanded for it and I am not happy about it. I have been tremendously affected by the credit breach each of the companies listed above is in dealing with placing errors on my credit report without my consent and no one of these companies contacted me. Please show me any phone calls you have tried to contact me before and after the credit breach. Ive stated facts in my previous dispute letter only to receive a response that my dispute to remove this fradulent error was declined. I dont appreciate unprofessionalism on any levels. I am unaware of the accounts listed below and have never open any accounts to deal with such a company called Santander XXXX XXXX XXXX XXXX. I am unaware of the accounts and I demand that it is removed immediately. If this error isnt removed by XXXX/XXXX/XXXX, I will be taken legal actions on this account and any companies involved. I have contacted my lawyer and looking to move forward on this case. I have sent you a previous good will letter for a response but you decline my dispute and now I am forced to take legal actions. 

Santander XXXX XXXX XXXX
Consumer complaint received 2017-10-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: National Financial LLC (DE)

On Wednesday XXXX XXXX I physically handed a Revocation and a Power of Attorney letter to National Financial LLC XXXX Loan Till Payday to stop payments of {$170.00} from coming out of my checking account. 

They did not honor the letter and processed to take the amount out anyway.
Consumer complaint received 2017-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pinnacle Credit Services, LLC (GA)

I have sent several certified letters to  XXXX ,  XXXX  and  XXXX  demanding that this item be deleted.  XXXX  deleted the item and should have reported the results to  XXXX  as well as  XXXX . All credit bureaus except for  XXXX  are still reporting this item on my consumer credit report.     Dates :  XX/XX/2014    Amount : {$520.00} Actions taken by me : Sent letters demanding that item is deleted from my consumer credit report.
Consumer complaint received 2017-10-22
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: ENCORE CAPITAL GROUP INC. (KY)

I have previously filed a complaint against XXXX XXXX XXXX XXXX in regards to a XXXX XXXX collection account that was originally a XXXX XXXX credit card account. They have still failed to rectify the issues I have raised about this account. I have had several issues in attempting to contact them for information about this " debt '' and in getting proper original account verification. I even tried to contact them just to settle it in order to get it taken care of and over with. I contacted XXXX XXXX and they told me they were not servicing the account. I do n't understand why they can not assist me with the account or say they are not servicing it but they are the ones still reporting this to the credit bureaus. I have disputed this and failed to have it removed. They have failed to proactively respond to my concerns and complaints and they have failed to report my disputes expressed to them directly to the credit reporting agencies. Is this not a violation of FCRA 623 ( a ) ( 3 )? Not only that, but it appears that XXXX XXXX has re-aged my account in an attempt to further harm my credit and continue past the statute of limitations to collect this " debt ''.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EOS Holdings, Inc. (KY)

I had an account with XXXX XXXX XXXX back in XXXX that I had cancelled. I returned every piece of equipment they supplied us with to their local office. I received a bill in the mail claiming that I was being charged for a piece of equipment that they never even gave me. I called the local office several times and they always told me they were looking into it and would call me back but never did. I then received a collections letter showing they sent my account off for collections. Long story short, after them not correcting their error I had filed a complaint with the Better Business Bureau against them. I had asked that they correct their error and remove the charges and recall the collection account. They had responded that they were removing these charges but I still have a collection account from " EOS CCA ''. I have attempted to dispute this with the credit bureaus and them with no success. They are attempting to collect false charges and refuse to delete this from my credit report.
Consumer complaint received 2017-10-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Placement Services, LLC (WI)

My name is XXXX XXXX and my Hippa Rights and the FDCRA rights that I have have been violated. Attached you will find the letters I mailed Professional Placement regarding two hospital bills on my credit report. They in turn responded with my personal medical information that you will see attached. I have never given permission for them to have my personal medical information nor access to my social security number and my personal credit report. 

The Standards for Privacy of Individually Identifiable Health Information ( Privacy Rule ) establishes, for the first time, a set of national standards for the protection of certain health information. The U.S. Department of Health and Human Services ( HHS ) issued the Privacy Rule to implement the requirement of the Health Insurance Portability and Accountability Act of 1996 ( HIPAA ) .1 The Privacy Rule standards address the use and disclosure of individuals health informationcalled protected health information by organizations subject to the Privacy Rule called covered entities, as well as standards for individuals ' privacy rights to understand and control how their health information is used. Within HHS, the Office for Civil Rights ( OCR ) has responsibility for implementing and enforcing the Privacy Rule with respect to voluntary compliance activities and civil money penalties. 

I am intending on filing another complaint with The US Department of Health & Human Services.  I am asking you to please help me prevent them from doing this.
Consumer complaint received 2017-10-22
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: EQUIFAX, INC. (AZ)

I am a victim of identity theft and someone used my identity and personal information to open up a XXXX credit card account ending in : XXXX, I have never applied for a XXXX credit card. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX credit card account.
Consumer complaint received 2017-10-22
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. (AZ)

I am a victim of identity theft and someone used my identity and personal information to open up a XXXX XXXX XXXX account ending in : XXXX, I have never applied for a XXXX XXXX XXXX. The account is fraudulent, unauthorized and dont belong to me. I didnt apply for a XXXX XXXX XXXX account.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BB&T CORPORATION (VA)

In XXXX 2017 I went to the BB & T bank in person to open a savings account. I sat down with a XXXX XXXX filled out all the necessary paperwork and provided all my personal information including my social security number, an account was placed and set up in my name XXXX XXXX XXXX, the total amount of my deposit was {$30.00} dollars, I explained to the XXXX XXXX that the XXXX dollars was valuable to me especially a {$5.00} bill that had three XXXX in it, I had saved that {$5.00} for approximately one year while being homeless. Also the other {$25.00} dollars was given to me from my daughter who I had been separated from for approximately 12 years wit only 2 small visits and was reunited with her in XX/XX/XXXXas you can see it is clear that I wanted this deposited money to be protected and safe in a account, no matter how small the amount.. I left the bank happy with an account. A few days later I went to make a small deposit at the drive through window and was told that the account was frozen and that I could n't make any deposits, to call a number ... a few days later I received a letter from BB & T stating that my name was in XXXX XXXX and that the bank has closed my account. My account has been closed with no check for my valuable {$30.00} dollars ...
Consumer complaint received 2017-10-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Credit Adjusters, LLC (FL)

I had an old retail acct with XXXX XXXX that was opened XX/XX/XXXX. After I lost my job the account did become behind. The debt was never paid in XX/XX/XXXX my new wife became upset when she received a call ( XX/XX/XXXX ) saying I was being sued and having criminal charges against me. She was not aware of the debt since it occurred during my first marriage. The company also called my mother multiple times, also telling her that I was going to jail. My wife then began the proper actions to correct one of my lives mistakes. She spent several hours on the phone with XXXX XXXX XXXX and XXXX XXXX XXXX. After many failed attempts she began to write letters to both companies ( sent via certified ). ( XX/XX/XXXX ). On XX/XX/XXXX the calls began again. A female by the name of XXXX called stating she was from county clerks office and they are trying to serve me ( XXXX XXXX ) with court summons and failure to comply could lead to criminal actions. In a panic my wife returns the call speaking with a XXXX XXXX. This rep  was rude cussing my wife and telling her that I was going back to jail for 8 months for having stolen property which could be longer since I just got out of jail. Someone has been misinformed because I work in XXXX XXXX and I XXXX XXXX XXXX not break it. I have recorded conversations with this so called collections company.
Consumer complaint received 2017-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

I just received an updated copy of my XXXX credit report. They have an account that I have been disputing " XXXX XXXX XXXX XXXX " it is showing as an adverse account and is reporting as " account included in bankruptcy '' I NEVER filed for bankruptcy this information is completely wrong. I am submitting this complaint about XXXX because I have been asking them to please correct this wrong false information and remove it off my report. I 'm getting nowhere. Bankruptcy should not be reporting when I never filed for chapter XXXX nor chapter XXXX.
Consumer complaint received 2017-09-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (NJ)

Hi Team, I had opened a XXXX priority banking account with the citibank branch located at XXXX XXXX XXXX, New York, NY XXXX. This account had a bonus scheme which said that if an average balance of {$50000.00} was maintained for 3 months and email enrollment was made, {$500.00} would be credited as bonus. 

I satisfied all the conditions, but still at the end of 3 months no bonus was credited into my account. Upon inquiry it was told to me that the bonus would be credited 3 months after the conditions have been satisfied, this is odd as none of the other XXXX banks I have accounts with have such conditions. Rather they had automatically credited the bonus into the account when the condition was met. I still waited, and even after the 3 months were over, no bonus was give. Upon inquiry 4 months later, I 'm told I need to fill up a Tax certification form without which they would not be able to grant me the bonus. I was asked to submit a XXXX or XXXX to the branch. I did that yesterday ( XXXX ) and today i get a mail from XXXX saying I need to fill up XXXX and the attached mail doesnt even have the correct form it has a XXXX for enterprises, which implies they again are misguiding me in terms of the form to fill up, so that the process is delayed further and they can happily use my funds without the fulfilling their responsibility. What I am unclear about is, if this form was so important why was n't I asked to fill it up when I opened the account? Why did they wait 7 months to realize they needed this form. The staff is unaware of the conditions and this creates unnecessary harassment. 

I 'm not the only one facing this issue. Another one of my friend who had referred me has been facing the exact same problem, she has submitted the form multiple times, and the customer care keeps on flip-flopping saying that they have not received the form. 

I 'm appalled that a big bank such as citibank would resort to such measures to hold on to peoples 's funds. Now I am in need to withdraw my funds, but ca n't as if I reduce the balance I would be charged a penalty. How is this justified? The bank did not keep its side of the promise but is now charging {$30.00} a month for insufficient balances. 

I would have let it go if it had been only a one off case with me, but I can see that another person is being harassed on the same grounds.
Consumer complaint received 2017-10-23
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Red Cedar Associates LLC (OH)

I recently had my information taken from a payday loan website. On XXXX/XXXX/XXXX at XXXX I recieved a phone call from an unknown number. As there was no caller ID, I allowed the call to go to voicemail. I recieved a minute-long voicemail from a woman Identifying herself as a XXXX XXXX. She said she was calling regarding some paperwork I need to sign for regarding a request placed under your name and social security number and I need to place you on my schedule regarding a claim that an office is looking to place against you. She said she placed me on her schedule for the XXXX of XXXX XXXX if I have any questions regarding the matter to call the office that had filed a complaint against me at XXXX reference number XXXX. 
Having worked in collections for nearly XXXX years I know that this is a tell tale sign of a debt collection scam or at best a scare tactic used by a collection agency which is in direct violation of the Fair Debt Collection Practices Act XXXX you arent supposed to impersonate a lawyer or process server ). 
Needless to say, I did not call back. A quick search via google for the number yieled nothing. As the woman who called didnt call from a known number or leave a company name and number for me to call back, I decided to ignore the call. 
The next day, at XXXX am I recieved another call from a blocked and unknown number. The same woman had called and left another message. She stated that as she had heard nothing different from the office who filed the complaint she would be moving forward with delivering papers that required my signature on the XXXX and that if I have any questions to call the company who filed at XXXX. 
This type or behavior was obviously supposed to be a lure, to get me to call back. 
I purposely waited until after business hours to call the number. After XXXX ring, the number was automatically forwarded to a voicemail box that stated Thank You For Calling Red Cedar Associates, our office is currently closed ... then it rambled off their hours of operation and asked me to leave a brief message. 
A quick google search of Red Cedar Associates brought me to their website and phone number. I called their number off of the website : XXXX, and it was the same exact mailbox. This company, weather they are a legit collection company or not, needs to be stopped.
Consumer complaint received 2017-10-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I received my annual credit report from the bureaus. I found this collection agency, that have never spoken to me last week. They have a derogatory mark on my report. Saying I owe XXXX dollars. First of all, this is from XXXX XXXX. From XXXX XXXX. I had XXXX XXXX back in Texas when I lived there XXXX years ago, I returned my equipment back then and have never been contacted about anything with them. I now retrieved my credit report about a week ago and this appears on my record. This account does not belong to me. I have XXXX as my service provider for the last XXXX years.
Consumer complaint received 2017-10-23
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX, 2014 we had a fire disaster in our Apartment Unit at XXXX XXXX XXXX, XXXX XXXX, XXXX IL XXXX. XXXX XXXX   XXXX XXXX destroyed because of the disaster. I contacted XXXX about the disaster and the damage. They temporarily put a stop on services and got reconnected service two months later when we moved into our new Apartment. 

I never had any more communication with XXXX on the damaged modem which was because of the disaster. 

In reviewing my Equifax Credit Report i found out that the modem is listed as derogatory mark. I have tried several times to get this matter resolve with XXXX to no progress.