davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-11
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: DISCOVER BANK (GA)

XXXX XXXX, XXXX {$5.00} XX/XX/2023 XXXX XXXX XXXX {$64.00} XX/XX/2023 DISCOVER BANK {$190.00} XX/XX/2023 XXXX XXXX  XXXX XXXX {$1300.00} XX/XX/2023 To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( ie : an original consumer contract with my signature on it ) that you have on file for the account listed above. or a certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the accounts listed
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX. XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CO)

I have to loans at Aidvantage that have neg. balances since almost a year ago. Do the act for predatory colleges. The balance is over XXXX XXXX. neg. The refuse to credit or send the money back. sighting they are to far behind. If they had applied the money to my other loans. than would also reduced the amount of interest I would have had to pay on those loans. Some in essence they are double dipping. I don't know how many others are in the same situation. But this is probably making them millions in interest they didn't earn.
Consumer complaint received 2024-09-10
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Mercedes Benz Financial Services (CA)

On XXXX XXXX XXXX of w the dealer ran my credit and lied about numbers on a new car i was purchasing without my knowledge. I was there to trade in my car which had 6 payments left and i was making a deal for a new car the saleswoman lied to me and said we will pay off the remaing payments of your car and i will get you to the payments you desire which was all a complete lie and a scam she ran my credit without giving me even numbers on the new payment for the car and she never told the manager that i had a trade in.. which then she came back and said oh we cant take your car for a trade in or pay off the payments complete SCAM and a liar her name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
thank you
Consumer complaint received 2024-09-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP (VA)

I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I continued to make payments on my mortgage until I had to have a XXXX  in XXXX. At this point I reached out to my mortgage company and they willingly placed the account in forbearance. They stated to call in XXXX to remove the forbearance, which I did I submitted all the documentation that they requested. In this process they reported my loan as XXXX past due and sent me a letter stating I needed to make smaller payments? I then resubmitted documentation to end the forbearance and Im still battling them to end this forbearance? Im in need of help Along with XXXX XXXX XXXXXXXX, Im also battling to keep my home and wont qualify to purchase an another home because my credit is ruined. I truly think this should be against some law, that mortgage companies cant do this if you have a health condition. 
I have submitted everything once again for the 3 rd time and I have talked to over 50 different people and Im being told multiple things? Im submitting what theyre asking and getting no where? Can you please assist on what to do? The stress that this has caused is unexplainable!
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (PA)

I received an alert this morning ( XX/XX/2024 ) from one of my credit monitoring subscriptions that a " new hard credit inquiry '' has been added to my credit file. From ; Barclay 's BanK DE. I did not apply for credit with Barclay 's or any of their credit cards they service. Upon contacting Barclay 's I asked repeatedly for an understanding as to how this is possible and they only would refer me to the reporting bureau. I also asked twice for a supervisor ; XXXX call I was placed on hold, then hung up on. XXXX call, XXXX seconds later, no supervisor was available
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (MA)

We have a business account with citizens bank. They charged an overdraft fee of XXXX. They charged ( 3 ) additional XXXX fees for a total of XXXX. I called the bank on XX/XX/year>, and requested that they waive the XXXX in fees. I agreed to the XXXX fee however charging an additional XXXX in fees is extremely excessive. I spoke with a supervisor named XXXX and she initially said that she would try to waive XXXX. My response was that it should be at least XXXX. She then told me that she could not waive any of the fees as they credited the account XXXX in XXXX for an overdraft fee that was charged. The fee in XXXX should never have been charged and this is why it was credited. My current complaint is regarding the additional XXXX in fees. Citizens bank should not be allowed to charge these fees.
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (PA)

When I called Discover on XX/XX/XXXX after seeing all my XXXX XXXX account that Discover had a balance of {$4100.00} On it saying I owe it. When I talk to Discover, I asked for the date the card was reported lost since I already reported the card lost in XXXX. I was told by a Representative named XXXX from North Carolina That they didnt have a report on file so I then asked was there a affidavit of fraud on file which she transferred me to a representative name that could help me out with that. XXXX said she seen the affidavit of fraud that was filed online on XX/XX/XXXX. She also told me that on XX/XX/XXXXXXXX XXXX XXXX XXXX after they received the notice for fraud, they canceled my old account number and gave me a new one. I let XXXX know that since XX/XX/XXXXXXXX XXXX XXXX XXXX  I havent heard anything from Discover. No emails no messages no phone calls regarding a new account number or even a new card. I then told him that I wanted to have my bank statements sent to me and she said that she couldnt do that. Please help because Discover says I owe {$4100.00} and I know that is not true.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (FL)

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Consumer complaint received 2024-09-10
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MI)

I was given an American Express XXXX XXXX with a value of {$100.00}. I tried using this card throughout the day and it gets declined every single time at major retailers like XXXX, XXXX, XXXX.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

XXXX XXXX refuses to delete my account that someone else has access to. I called them gave them my ID with my address passed the questions, and the still open the account back up under the email that was hacked which is XXXX XXXX XXXX refuses to respond at all. 
XXXXXXXX XXXX Chex System has an someone registered with an outlook email account, with two numbers ending in XXXX, and XXXX that does not belong to me. I sent them a letter in the beginning in the year asking for a report and they never sent it. And I just received a report in XXXX, and someone applied for a bank account on XX/XX/XXXX. Amongst other things they been applying for during the month of XXXX. 

Since XXXX of this year someone has been hacking all of my emails, and phone numbers. 
XXXX XXXX XXXX ( this is the one that is under the chex system ) XXXX XXXX XXXX XXXX there are more as well as my social media accounts been stolen. My XXXX account is still up in my name and someone deleted all my friends is using it. Several phone number has been compromised, and hacked. Infact all of my social medial accounts have been hacked. If I was to create a new one it will get hacked. Someone has went out of there way to make sure I am not XXXX XXXX and they're. 

I have been doing everything, this is interfered with my living. And my lifestyle. People have been sitting in front of my door logging into my wifi, to hack into my devices. I switched to a landline and someone is still on my phone. I need help. I believe someone has been in my home. I believe a device in on my car. People have been following my. My rights have been violated and I have not gotten any help. 
I also believe someone or people are working under my certification. 
I believe my Drivers License and Social Security Card is being used. 

Please assist me
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mercedes Benz Financial Services (TX)

These are the hard inquiries that are not connected to open accounts that were ran and the dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES-BEN- XXXX MERCEDES-BEN-XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES BENXXXX MB FIN SVCSXXXX MB FIN SVCSXXXX MB FIN SVCSXXXX XXXX XXXX XXXX XXXX Not attached to accounts
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (FL)

I explained that I DO NOT POSSESS, NOR HAVE I USED, A XXXX CREDIT CARD. I contacted XXXX who redirected me to Credit Corp Solutions. They do not answer calls or return emails. I called XXXX back, after several unsatisfactory attempts to Credit Corp. I am not sure what type of fraud is occurring, however, I have not authorized this account!
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I can't seem to comprehend on how these fraudulent and unauthorized credit inquiries got placed on my report, this is absolutely alarming. I never gave permission to these companies to access my credit report, it's a blatant violation of my consumer rights. This is making my life more stressful than it is.
Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

After receiving a text message informing me of a litany of fraudulent charges to my Wells Fargo checking account on the morning of XX/XX/XXXX, I immediately reached out to the claims office. There was over {$78000.00} attempted to be charged to my account in over 10 different transactions after XXXX on XX/XX/XXXX and into the early morning on XX/XX/XXXX. {$6000.00} at XXXX, {$5000.00} at XXXX XXXX, etc. Most of them were reversed immediately, as they were clearly fraudulent, but there was still {$5800.00} in unauthorized charges pending after the attack. I filed the claim for the {$5800.00} still pending. XXXX business days later I received a call that my claim was declined and that the charges would remain on my account. They deemed that during a confirmed attack on my account in the amount of over {$78000.00}, I authorized someone to make four transactions to XXXX XXXX and one transaction to XXXX, an online overseas luxury clothing company, in the aforementioned amount of {$5800.00}. I did not authorize those purchases. After asking them how it was possible and how to have them revisit the investigation, the claims operator said he would see what he could do and I would hear back in another 10 business days. During this time I called XXXX XXXX only to be told that without the shipping addresses or the order confirmation numbers they were unable to release any data to me. I also called XXXX, whom was able to locate the charge and open a claim. The next day my claim for XXXX was declined and I was told to reach out to local law enforcement. Another 10 business days later, I received a call from claims again saying my claim was declined. The claims agent 's response was that he was shocked they ruled the claim that way, but because the investigator made the ruling there was nothing else anyone could do and that my case was closed. After a month of all of this, I called my cousin who is an XXXX XXXX XXXX in Pennsylvania and he told me to file a complaint with CFPB. He also advised that I close all accounts with Wells Fargo, as they are notoriously known for these kinds of scams.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XXXX NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (VA)

Since XXXX, I have made multiple efforts to get XXXX to correct its records on a disputed debt that it has reported to the credit reporting agencies as in collection with Southwest Credit Systems. I have mailed them three ( 3 ) identity theft affidavits as required in their own internal processes. I have been told twice that I did not adequately provide proof of residence, even though I included most recent mortgage statements. I was subsequently told that I needed proof of residence that related back to XXXX when the account was purportedly opened. I have again provided a completed ID theft affidavit, a copy of my drivers license, and multiple mortgage statements, dating to XXXX  and the present. XXXX has taken no action to correct its records or provide me with any proof of the veracity of the disputed debt and continues to report it to the credit bureaus as in collection.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmeriCollect (GA)

Americollect keeps putting the same accounts on my credit report and also states that i have accounts with them and i don't i have never signed a contract with them also they have closed accounts listed as open and keep starting them over, they also have wrong amounts down .they have numerous duplicate accounts as well and it is bringing my credit score down.
Consumer complaint received 2024-09-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JNR Adjustment Company, Inc (TX)

This debt was placed on my credit report from JNR ADJUSTMENT COMPANY IN THE AMOUNT OF XXXX WITH THE ORIGINAL CLIENT BEING XXXX XXXX. I DID NOT SIGN ANYTHING WITH JNR ADJUSTMENT COMPANY
Consumer complaint received 2024-09-09
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (GA)

I am XXXX XXXX, and I am seeking urgent assistance regarding a complaint I initially filed on XX/XX/year> with case number XXXX concerning Citi Bank 's mishandling of my accounts. Despite my previous complaint, Citi Bank has sent me a check for only {$0.00}, although my savings account had a balance exceeding {$2400.00}. This situation is unacceptable, given that I have provided all necessary documentation to Citi Bank, including proof of legal transfers and direct deposits. 

To recap, my accounts were restricted on XX/XX/year>, due to a security alert. I was assured that after verifying my identity, my accounts would be promptly addressed. However, Citi Bank has failed to return the majority of my funds, and their responses have been inadequate. My savings account remains inaccessible, causing me significant financial distress. 

I request immediate intervention to ensure the full return of my funds. I have complied with all of Citi Bank 's requests and provided extensive documentation, yet my attempts to resolve this matter have been met with delays and insufficient responses. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (NY)

PennyMac had erroneously filed a 1099-C " Cancellation of Debt '' in the amount of {$120000.00}.

I had sent them a Notice of Error to which they responded ( in part ) that they would adjust the amount to a lower amount of {$12000.00}.

So, now there are ( 2 ) 1099-C 's " Cancellation of Debts '' on my record with the IRS & NYS tax dept... .for both amounts.

PennyMac needs to COMPLETELY REMOVE the 1st 1099-C ( for the {$120000.00} ) from my record completely.

ADDING an additional erroneous 1099-C isn't applicable.

I shall deal with the 2nd erroneous 1099-C ( for the {$12000.00} ) in a separate complaint.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Stenger & Stenger, P.C (OH)

Stenger and Stenger is the alleged lawfirm representing XXXX XXXX XXXX  an entity I do not know of. I tried contacting lawfirm at XXXX. I was prompted that conversation was being recorded and this was an attempt to collect a debt. The rep I spoke with named XXXX refused to give me the following information : who I owed, the amount, and when I incurred the debt. She only wanted to know my employment status and where I worked. After accidentally providing her with some information I declined answering anymore of her questions until she answered mine. She refused to answer my questions as I repeated them. She eventually hung up on me.
Consumer complaint received 2024-09-09
Product: Credit card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (GA)

Hard inquiry for CITBANK NA., BEST BUY XXXX XXXXXX/XX/year>. I contacted CITBANK NA., BEST BUY they could not find anything on this inquiry.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST NATIONAL BANK OF OMAHA (TX)

I am a victim of identity theft. Upon review of my credit file I found several inquiries not authorized by me. This creditor accessed my credit file without my knowledge or approval on XX/XX/year>.