davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (CO)

Have been a member of XXXX for many years. They recently changed card companies and requested that I call Citibank and get a new XXXX card from them. I did that and was a little surprised at the personal questions they asked ( annual earnings, etc. ) but answered all their questions. Then a few weeks later, I received a " Request for more information '' from them dated XXXX XXXX XXXX. The letter is attached. 

They requested way too much personal information, including bank or credit card statements, utility bills and either a letter from my broker, CPA or personal banker confirming my income or a copy of last years federal tax return, including signature and all supporting schedules. 

This is too much personal data and could result in compromising my identity, including access to my bank accounts. 

I withdrew my application during phone conversation with them. If requesting this much information is not illegal, it should be. 
Sincerely XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (IL)

There are several closed accounts from Self bank on my credit report that have a XXXX balance with only XXXX with a balance of {$150.00}. There is no way to get in touch with SELF bank to pay off the {$150.00}.
Consumer complaint received 2017-09-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Messerli & Kramer P.A. (WI)

Your announced actions on XXXX XXXX XXXX VS XXXX XXXX XXXX sounds like the issues with XXXX XXXX XXXX in their case filing of XXXX XXXX XXXX in Wisconsin. 

The attorney XXXX XXXX filed an affidavit with false and misleading claims. 

1 ) They have a file and computer system that only outputs true, complete and accurate information.
2 ) The account they are trying to collect on has been in existence from XXXX. 

I do n't believe the firm has a magic file cabinet of truth or a computer system of such. And I have 1st hand personal knowledge - the account from XXXX was cancelled by the claimed creditor XXXX XXXX when it had a {$0.00} balance, only one historical overdue payment, and a history of non-use for months before cancellation. The last 4 digits the firm submitted with a document from a XXXX date showed a different last 4 digits VS the claimed last 4 digits which had been the account number from XXXX. 

The XXXX action noted how review of the account was needed before filing and a review would have shown a lack of activity from around XXXX of XXXX.
Consumer complaint received 2016-09-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

My wife and I are about to default on our loans with Navient. We both were in reduced interest payment plans with them. My payment was about XXXX every month and my wife 's was just around XXXX a month. we made these payments for 18 months. last XXXX my wife suffered some very serious XXXX. She had to be hospitalized, lost her job, and still needs to be treated on a regular basis. She has begun working again, but makes about 50 % of what she was earning before. We are now unable to pay Navient. I have made several attempts to get them to reduce our payments, but the best that they can come up with is XXXX a month for my loans, and my wife 's would remain the same. We ca n't afford this and now they are threatening litigation. How can you help?
Consumer complaint received 2017-09-28
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: Aargon Agency, Inc. (MO)

I have a previously removed collection on my credit report being posted by a different collector for the same inaccurate debt and I would like it removed from the credit bureaus immediately. I have tried disputing the item and it still has not been removed.
Consumer complaint received 2017-10-19
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. (KS)

The credit report dated XX/XX/XXXX provided by XXXX showed XXXX XXXX for two accounts showing on my Transunion report. Those accounts numbers were account # XXXX and XXXX. As of XX/XX/XXXX, they reported that the amount owed for account # XXXX was {$250.00}. On the same date, they reported the amount owed for account # XXXX was {$260.00}. The original accounts from the original creditor, XXXX, became delinquent as of XX/XX/XXXX. This means that XX/XX/XXXX would be the correct Date of First Delinquency. As of XX/XX/XXXX, according to a statement from XXXX, the final amounts owed were {$210.00} and {$170.00}. The accounts with XXXX were charged-off and any interest or final fees owed to XXXX can not be applied after the charge-off occurred. XXXX XXXX, a debt buyer, can not legally inflate the amount of the debt after the original creditors write-off. Under 15 USC 1692f 808 ( 1 ), the  law states the following : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
This is no legal explanation as to why the amount owed in the two collection accounts was inflated. We can only assume that this was done in retaliation since they only inflated the amounts after I filed a dispute with the credit bureaus because the company was reporting an incorrect amount for both accounts ( less than what it shows now but more than the original amount ) and the dates were being reported incorrectly. These debts are from XX/XX/XXXX. From XX/XX/XXXX until the time that I filed the dispute with the credit bureaus in XX/XX/XXXX, the original amounts have never increased. They did not increase until I filed the dispute which shows a clear retaliation from XXXX XXXX. 
In addition, the company is showing the wrong first date of delinquency. In this case, it would be XX/XX/XXXX. They are reporting a date in XX/XX/XXXX in violation of my rights as a consumer. I am attaching a previous credit report from this year as well as my most recent one so you can see the increase in the amount reporting. Please note that the XXXX credit monitoring that I am using shows the original creditor reporting however it is actually XXXX XXXX that is reporting the accounts to Transunion.
Consumer complaint received 2017-09-28
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc. (CA)

In XXXX my husband and I purchased a home in XXXX, The mortgage went thru XXXX  XXXX XXXX. In XXXX my husband and I divorced. He lives in the home that we both own and we are both still on title. There was NO quick claim deed executed. In XXXX my ex-husband remodified our home loan with Bank XXXX XXXX without my knowledge, consent or signature. The signature page on the mortgage paperwork has a line for my signature but my signature it not on the paperwork. The loan was changed from a 30 year loan to a 40 year loan without my signature. 
The mortgage loan on our this property has since been transferred to Seterus Inc. 
XXXX XXXX XXXX wont talk to me because the mortgage has been transferred to Seterus and Seterus says that they are not responsible because the remoificatation took place with XXXX XXXX XXXX. 
I am now being held financially responsible for a 40 year loan that I did not approve or sign for.
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (TX)

I paid my payment for XXXX on XXXX/XXXX/XXXX. Since XXXX was coming I decided to pay my XXXX payment early, which was on XXXX/XXXX/XXXX. I received a email on XXXX/XXXX/XXXX saying I havent made my XXXX payment and had a late payment. I called customer service to find out what was going on and they said I had not paid my XXXX payment. I said yes I did, I paid it early. The gentleman said due to the billing cycle my payment on XXXX/XXXX/XXXX didnt show for XXXX XXXX payment. Therefore, I will have to pay {$300.00} on XXXX XXXX to get everything on track. That includes late fees. I was not late and never have been late. I paid it early and they faulted me for it. They made a complaint, but I was told nothing will change. If I dont pay {$300.00} on XXXX XXXX, I will continue to be behind and accrue late fees. And my credit will show default and that is not right. I pay my bills.
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 — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

I have been in contact with my bank regarding my mortgage loan since XXXX XXXX after reviewing my credit reports and showing they are not submitting payments that are being made on my mortgage loan. I have contacted the company more than several times over the course of the past 5 months. Yet, they still have not updated the XXXX credit bureaus with corrected information regarding payments that I have made, also they have yet to reinstate my credit score. Which is desperately hurting me financially in many ways and continues to lower my credit score even further. I have brought this matter to USAA/XXXX corporation many times over the past 5 months. I have even recently contacted all three credit bureaus in which. Only XXXX has received any updated information. That information is still not submitted correctly by USAA/XXXX. I have been given the run around and the issues still have yet to be corrected by USAA/XXXX. I even contacted them this morning in which they stated everything had been submitted, corrected. Yet the credit bureaus stated either the information had not been submitted yet. Or is still incorrect. I also have yet to get my credit scorXXXX reinstated as USAA/XXXX should legally be doing after they failed to report payments made on my mortgage loan since XXXX XXXX. I have done everything in my power to get the company to fix the issues on my credit. However, it goes absolutely no where and causes myself and my wife more stress and wasted time sitting on the phone. I am now asking for your assistance in this very important matter. Thank you, XXXX XXXX
Consumer complaint received 2016-06-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (GA)

The debt was not mine/paid, but thought paying it would be easier then going the not mine route. 

I was seen in the ER at XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, GA XXXX due to being involved on car accident that I was not a fault for on XXXX/XXXX/XXXX. The hospital was given the driver that was at fault information. 

On XXXX/XXXX/XXXX I noticed I had a collection from Central Financial Control for the amount of {$550.00}. I sent a dispute through XXXX that day that I had no knowledge of this debt. On XXXX/XXXX/XXXX I received my first notice and a letter to settle this debt for {$270.00}. I wanted to get this taken care of right away the same day I made a payment of {$270.00} with the understanding the debt would be settled and deleted from my report. I was told I would be mailed a receipt. 

To this day I have not been mailed a receipt and the balance is still showing on my report as closed. I used my XXXX card to pay for the balance and they are also requesting documentation on the balance paid. This needs to be removed as I was not notified in a timely manner and I made payment as soon as I was aware of this balance. I was also told it would be removed if the balance was paid.
Consumer complaint received 2017-09-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (CO)

I borrowed {$46000.00} total by the end of my bachlor 's degree I was on medical bed rest three times during the last 12 years and while I repaid the loan as I could when I was working and sent in full disclosure tax documents to my lenders, they have defaulted me twice, and are threatening to do it again I just want to get the original loan paid, {$46000.00} turned into an {$83000.00} debt, and I am not a doctor, and consequently did n't quite complete the XXXX XXXX XXXX XXXX that I was pursuing. 
It 's a mess. 
Thanks again for your time. 
XXXX XXXX XXXXXXXXXXXX XXXX
Consumer complaint received 2017-09-28
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: Informative Research (CA)

On XXXX/XXXX/XXXX I gave permission for a credit bureau to check my credit. for a home loan. When the loan was looking like it was n't going to go through due to my credit report. I pulled my report to find this company did another hard inquiry that I did not approve of. Then to find out its listed as miscellaneous. which in turn looks worse. I contacted the company which they never once returned my call or tried to help. instead I get put on permanent hold and or the call gets " lost ''. 
the company name is : 1 ) I R XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2017-09-27
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC (MA)

This is the 3rd time I have had to file a complaint against XXXX XXXX XXXX. 

They continue to send me letters demanding money that I do not owe. I feel they have broken the law and this company needs to be reported or fined.
Consumer complaint received 2017-10-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

these people keep claiming that i opened an account with them I NEVER opened an account i never signed anything anyone can sign my name to look like forgery again its fraud and there still refusing to remove this account at this time i filed a police report as my attorney stated and im giving you guys once final opportunity to delete this account from my name before i file a lawsuit against your bank XXXX XXXX XXXX and call for a national boycott of the XXXX XXXX XXXX XXXX XXXX against your bank and there willing to do that there email is XXXX and go public on XXXX  im sick and tired of your XXXX!
Consumer complaint received 2017-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST HORIZON BANK (TN)

I recently learned from XXXX that a address located in Michigan was on my credit report in 2017. 
I never lived there, visited there and as far as I know I do n't have family there. 

My drivers license have been stolen, social security card have been stolen. 
I received a letter from social security in 2017 and told to file a civil action law sue. They are aware of fraudulent activities with my social security number.

IRS is fully aware of these fraudulent transactions made persons other than myself. 

XXXX Police is investigating, several reports have been filed by me. I reported theft of my identity to the bankruptcy courts. The Supreme Court to be exact.
Consumer complaint received 2017-02-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (GA)

I am writing this complaint about Region bank that place an inaccuracy report on XXXX. When I asked for proof they kept sending information that happen back in XX/XX/XXXX which I had paid the fees, this bank decided to charge me an unnecessary fees total {$110.00}, they never paid any company on my behalf. There was a return check that was not paid. I had send them a letter but have not received any reply from them. I never denied not having an account with regions bank but I am dispute the fees they charge my account and force my account into XXXX. I do n't go aroung writing bad checks, no I owe this bank any money. They falsely charge my account inaccuracy fees. I am fighting for this injustice because I think it wrong for them to place false information on someone 's report. Overdraft fees for {$35.00} when I did not use the service is so dishonesty.
Consumer complaint received 2017-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK (TN)

I recently learned from XXXX that a address located in Michigan was located on my credit report. I 've never been there, lived there or visited there. I do n't have family there that I know of. 

My drivers license have been stolen, my social security card also. The Social Security Admistration sent me a letter in XXXX and told to file a civil action law sue. 

IRS is aware of this fraud with my personal information. I need for First Tennessee Bank to provide me with all of my transactions on the account numbers that I am requesting. 
In the time the bank is allowed to go back from XXXX.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Bought a XXXX XXXX van from XXXX XXXX XXXX. The van was defective- kept breaking down. Had radiator fluid in the transmission ( This is an impossible thing to fix, as I have read ). I GAVE BACK THE VAN. ( it 's been branded as 'repossession ' ) I told them WHY we were giving back the van- it was unusable, it was dangerous, since it had a propensity for breaking down in the middle of the street with no warning, IT WAS UNrepairable. Credit Acceptance took back the van, was told about it- and expects to be paid for the *loan*. Basically, they took back merchandise, resold it, and still expect money for it. They are currently trying to take me to court ... 

I call that stealing.
Consumer complaint received 2017-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I have submitted several request to XXXX XXXX  and Experian as well to the Company itself XXXX XXXX. Each time the account comes back as verified. I have disputed saying there is incorrect information being reported. They still say verified the reports has the Date of last payment XXXX payment history on credit file show XXXX having been XXXX days late. Date of first delinquency XXXX payment history on credit report has XXXX being the first reported delinquency.
Consumer complaint received 2016-10-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (IL)

During the process of my refinance, the credit report was pulled and I was notified by my mortgage broker that my score was not high enough to obtain a preferred rate. I was surprised to hear that, as I worked very hard to clean up my credit in the last seven or eight years as I had some difficulties paying off my balances on my credit cards that are in question. 
In XXXX, all balances were paid off. During the review of my report I noticed that even though the date the account of XXXX XXXX and XXXX was last active or paid off was in XXXX, Equifax was still showing them as XXXX negative trade lines on my account. I also noticed that the date last reported was XX/XX/XXXX. I called Equifax on two different occasions as I thought that one agent might have been wrong on the information that he was providing but both people at each separate time indicated to me that because these XXXX accounts were disputed in XXXX, the Equifax will continue to show it for 10 year period since the last time it was active ( with the status paid off with less balance ). I was shocked to learn that and expressed my concern that I do not believe that this was a fair practice to extend the term of reporting for an additional XXXX years because I disputed the coding that was being reported incorrectly. The last active date of XXXX was because I disputed the coding of the status with each grantor which was ultimately resolved and corrected to my satisfaction. I asked the agent why I was being punished by adding ten more years of reporting from the last time I disputed the information which results in negative impact and prevents me from obtaining financing. The response I got was that the derogatory info/code would be maintained until XXXX according to the policy which was created by the credit bureau and the financial organization but when I asked to see a copy I was told that they were unable to provide any proof of the retention policy to confirm that it was correct ; however I can go ahead and search the internet for the retention policy and I can be assured that it will support their answer. They stood by their answer that every time the information is disputed, ten more years will be added to the last date that it was active or the date of the dispute. 
In this complain, I ask that you investigate the issue as this practice is unfair. Inquiries, disputes, etc. should have no impact of how long the information will remain on my credit. I have paid all my obligations in XXXX and do not believe that it is acceptable to maintain the negative information until XXXX ( for 15 years ) because of dispute with the grantor. 
I thank you in advance for your time and consideration.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I have requested numerous times to remove the Bankruptcy record from both my and my wife 's report. It has been more than 7 years, and by their own words, the record may remain on file for 7 or up to 10 years.
Consumer complaint received 2017-09-27
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (WA)

OnXX/XX/XXXX I wrote Equifax a letter regarding an inaccurate collection account, XXXX XXXX XXXX XXXX see attached file ), account number XXXX, that they are reporting on my credit report. As of today, Equifax has failed to properly respond to the dispute and provide verification for the account. I filed the same dispute for the same XXXX XXXX XXXX account with XXXX and XXXX, both Credit Bureau 's deleted the inaccurate collection account from my credit file ( see attached file ). Equifax responded to my dispute by mailing a letter datedXX/XX/XXXX stating their dispute process ( see attached file ). They failed to respond within 30 days with the status of the dispute results and verification of the account.