davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-01
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (OH)

I am writing to dispute a billing error in the amount of {$1500.00} on an XXXX XXXX XXXX statement sent from XXXX XXXX XXXX. The amount is inaccurate because when the service was disconnected, I sent a check for over {$500.00} that was returned, which was the total amount due. The service was off, and from my understand there was only the amount for the next month owed that was not {$1500.00}. Im not sure why the account kept being charged after it was not on. I paid the check through a collection agency, and this amount was never credited to the account. I was sent a bill, not an itemized statement explaining the charges. This account has been disputed before, but for some reason this company added it back on my credit report. 
Enclosed is a copy of the bill that was sent to me from Afni. I do not owe this amount. Please investigate this matter.
Consumer complaint received 2017-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

A few weeks ago I placed a freeze on my Equifax credit report due to their security breach. I was provided the 10 digit pin number which I saved. Equifax offers the opportunity to unfreeze a credit report online. I went to their site to do so in order to allow a mortgage lender to run my credit report. After providing all the information requested by the site including the pin number the site returned a message that I could not release the freeze on my report online and to mail in a request. Then I have to wait for written confirmation that it has been processed. I do not have time to wait. If when I originally froze my credit report I was not given the opportunity to release the freeze online I would not have done so. Equifax should not be offering services it can not fulfill.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXXI applied for a credit card ( XXXX XXXX ) with XXXX XXXX. I was notified by XXXX XXXX that they were unable to obtain my Transunion credit report. On XX/XX/XXXX I contacted XXXX XXXX and informed the bank that my credit report with Transunion had been acquired after speaking directly with Transunion. I requested that XXXX XXXX withdraw my application. On XX/XX/XXXXI went to a local XXXX XXXX branch and spoke with a banking officer who contacted XXXX XXXX XXXXs underwriting department regarding several hard pull inquiries on my Transunion credit report by XXXX XXXX. On XX/XX/XXXX I applied for a credit card ( XXXX XXXX ) with XXXX XXXX. I was notified by XXXX XXXX. I was notified by XXXX XXXX that they were unable to obtain my Transunion credit report. I contacted Transunion who indicated they XXXX XXXX was in fact provided my full Transunion credit report resulting in hard pull inquiries onXX/XX/XXXX,XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in conjunction with these two credit card applications. Transunion stated that I would have to dispute the information directly with XXXX XXXX ; however, XXXX XXXX stated that I would have to initiate a dispute with Transunion. Unfortunately, Transunion does n't have a mechanism to dispute inquiries. I have made several attempts to resolve this with XXXX XXXX and Transunion to no avail.
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

CITI closed my XXXX XXXX XXXX credit card without prior warning. The account was in good standing, never a late payment and fairly new. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair. I had six accounts closed by them this week and in every single case they informed me AFTER they closed them and not before. All six accounts were in good standing. I do n't want my accounts re-opened because I ca n't do business with an unreliable bank like Citi, but I want them to change their practice. No bank, especially those we all bailed out a few years ago, should be allowed to do this to consumers. We deserve to be treated better than this.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX Balance {$10000.00} XXXX XXXX Balance {$1600.00}
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX Balance : {$17000.00}
Consumer complaint received 2017-09-23
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: AmeriCollect (FL)

I just want to inform you for the final time in a professional manner. Look, I 've been getting harassed, disrespected, and receiving threatening phone calls that I will be getting sued by your company acting as a lawyer. I do n't take threats lightly and I have contacted the Police to file a report on behalf of this matter, contacted the state attorney general, FTC, BBB to file complaints, I have contacted my lawyer to insist on pursuing legal actions against you. You have not only cause me to fear for my life, you 've caused major damage which I am now XXXX, and I 've been treated unfairly. I am unaware of the accounts. I request each of you collection Agencies and creditor reporting agencies show me proof of verification that you supposedly have in your file. There is no actual copy of the supposed debt that you 're saying I owe, i am unaware of these accounts. 
By law if you 're unable to provide legitimate validation of this debt with the actual contract, you must remove it immediately. You 've violated my rights by harassing me at work, on the phone, you also threatened me to pay a debt that I am unaware of, you have illegitimate debt that you are trying to collect on an innocent civilian. FCRA requires an established process to be outlined and all credit reporting companies are to verify every account it reports on before reporting on it. It violates a major section of the Fair Credit Reporting Act. 609. 

1. XXXX XXXX 2. AmeriCollect 3. XXXX XXXX
Consumer complaint received 2017-09-23
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. (NJ)

My complaint is with XXXX XXXX and Transunion. 

I recently read my credit report with Transunion. It listed a debt I had with a company called XXXX XXXX. According to the report the " account '' was opened on XXXX XXXX, XXXX and reported to Transunion on XXXX XXXX, XXXX as going to collection. I tried to call XXXX XXXX yesterday but their phone number was a number that went to voicemail. Their address is listed as XXXX XXXX XXXX, XXXX, TX XXXX. 

I never opened an account with XXXX XXXX. When I googled XXXX XXXX I noticed a number of consumers had also launched complaints with this company.
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

XXXX and XXXX fraudulently report XXXX, Equifax, XXXX  and NYS Attorney General. XXXX, Equifax and XXXX  continue the fraud. Please refer to attachment.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (GA)

XXXX 's is performing unscrupulous acts and tactics on my account. They are increasing my credit and then when I try to utilize my account they flag it, embarrass me in the store, change my account information Without my knowledge and have me undergo a litany of security measure with Foreigners ( offshore personnel ). This same or similar issue has happened 3 times now, which is unnecessary and excessive. 

I have been documenting the things XXXX 's has been doing on my account since inception. I have conducted myself responsibly, morally and ethically with my credit account with XXXX 's, but they have not. I was contacted on XX/XX/XXXX while attending Church services before XXXX from XXXX 's credit services in Ohio XXXX which was a Sunday morning. They ( XXXX 's ) claimed they wanted to ensure I made the purchase for {$520.00} on my account, although the purchase was coming to my home address, the same listed on my account. Meanwhile, I just made a purchase on XX/XX/XXXX for {$1900.00} and had No issues in the store. XXXX 's is well aware I do a lot of shopping period, but especially between XX/XX/XXXX- XX/XX/XXXX of every year with them, due to their Thanks For Sharing program they solicit for me to sign up every year. They solicit me personally in the store, as well as, at home via phone and mail. They also increase my credit limit every year to encourage me to shop. Then when I shop they block the card while I 'm IN THE STORE ask to speak to the salesperson and me personally, ask me very personal questions about my Mortgage, Vehicles and other things that really have nothing to do with my identity. While in the store I have Multiple forms of Valid indentification which they NEVER ask for and I have to wait 45 minutes or more each time. Is very humiliating disrespectful and inconvenient for me to sit and go to this process if they felt that I was not who I was then why keep giving me credit increase is without my consent with my authorization with my request if I ca n't use it without going through this embarrassing process me each time! Then to add further insult XXXX decided for my protection ( after verifying everything completely and confirming My indentity ) they would block my current credit card, reissue a NEW card without my knowledge or consent. Which would have led to further embarrassment. There is only 1 way I will agree to resolve this and this is a settlement offer from them, or I will pursue further action and I will demand MORE. I have abided by the mutual contractural agreement, overpay every month and on time, but I 'm being abused and mistreated, this can also negatively adversely effect my credit when my credit card account number keeps changing without my consent or a valid reason, which will appear with all 3 major credit reporting agencies.
Consumer complaint received 2017-09-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A. (PA)

I 'm reporting a new fee charged for mobile deposits by PNC BANK. Once you deposit your check using the mobile app, they ask you if you want the money available right away for a {$16.00} fee. Otherwise you have to wait until the following day. I think it 's disgusting and grossly overpriced and predatory because if you 're having an issue with your account you feel like you have to make the deposit.
Consumer complaint received 2017-10-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (UT)

I am filing this complaint for because XXXX has ignored my request to provide me with the proper documents that their company has on file and they are saying that they verified accounts but its been over 30 days and they still have n't sent me the correct information. I sent out proof that I traded in a car on XXXX and they are still showing a missed payment for XXXX causing damage to my credit. I 've made several attempts to resolve this issue but they continue to send me the incorrect proof of verification. XXXX  confirmation # XXXX, Transunion file case # XXXX, and XXXX confirmation # XXXX Under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed.
Consumer complaint received 2017-09-23
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (VA)

On XXXX/XXXX/XXXX I discovered XXXX XXXX, XXXX has been re-inserted into my credit file after being removed. I was not notified within XXXX XXXX XXXX XXXX days of re-inserting a previously deleted item. I did not receive any such notification. 
This account was reported on XXXX/XXXX/XXXX to Better Business Bureau and it was removed from credit report after results of investigation.
Consumer complaint received 2017-09-22
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: CCB Credit Serivces, Inc (CA)

I am seeing numerous credit inquiries on my credit report. Unauthorized by me due to the fact I have been XXXX. I have XXXX that I am constantly in and out XXXX At one point I had my purse stolen from hospital It contained Drivers license social security card bank card and my check book. 
I am looking at my XXXX XXXX report and I see many credit request and I did not make them. I how ever was contacted by XXXX XXXX XXXX telling me I owed money but I did not I cleared that out with them they told me to check my credit report due to unexplained fraud activity I do not recognize inquiries below DatesXX/XX/XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (LA)

After carefully reviewing my latest credit report I noticed some inquiries that I did not authorize or give my signature to pull my credit. Here are the referenced inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LoanCare, LLC (MI)

Some how my address was changed to an unknown address and is now reported to my credit report. Company could not tell me who or how my info was changed. I have absolutely no connection with the address. 

Loancare.com. They recently bought my mortgage from XXXX XXXX added that I have no connection with is .... 
XXXX XXXX XXXX unit XXXX XXXX XXXX XXXX mi XXXX
Consumer complaint received 2017-09-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Capital Management Services, LP (CA)

My loan has been sent to a second collection agency - I think. I have received a letter from Capital Management Services , LP stating they " have been engaged by XXXX XXXX XXXX XXXX to resolve your delinquent debt .... '' I have been making payments to another agency - XXXX XXXX XXXX XXXX XXXX XXXX - since XX/XX/XXXX 2015. 

I have written a letter to Capital Management Services , LP asking for an explanation. I am mailing this letter today.
Consumer complaint received 2017-09-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (FL)

GMAC recently withdrew their certificate of authority to transact business in Florida but yet Ocwen under GMAC 's name is making it very hard for us to keep our home. We were recently offered a short payoff by Ocwen to satisfy our mortgage loan debt. We requested an initial extension in order to organize our finances to payoff the mortgage debt. Ocwen asked that we withdraw our pending notice of error before they could consider our request for an extension. We did so in good faith and meanwhile Ocwen did not inform us that the number of days to our deadline had started. Ocwen then came back and denied the first request for an extension. Ocwen would not grant us an extension after Hurricane Irma devastated areas of Florida to allow for an inspection by the lender. We also showed Ocwen our commitment letter that said we would get funding contingent on an inspection of our home. Because of Irma the initial inspection was cancelled. Most of Florida was without power on XX/XX/XXXX and almost every business was closed and most counties were under mandatory curfews. The Supreme Court of Florida even granted an extension in the courts because of Hurricane Irma in XXXX XXXX XXXX where our home is located, but Ocwen refused to and they did not provide a reason why it could not grant the extension. Our attorneys repeatedly asked for an extension after that to allow for the inspection to occur. Ocwen denied our request and said the deadline was XX/XX/XXXXwhich was 5 days after Hurricane Irma. Prior to foreclosure we made all our loan workout ( modification ) payments in XXXX to GMAC. This was the same time that GMAC declared for Ch XXXX bankruptcy. Ocwen bought the servicing rights out of the Ch XXXX bankruptcy and prematurely foreclosed on us in XX/XX/XXXXbefore they had boarded the loan to their system and under the incorrect default date. Ocwen postXX/XX/XXXX was required to check the servicing file when they boarded the loan in XX/XX/XXXX. Had Ocwen done what was required of them, they would have discovered that the default had changed and that we had a work out agreement and seen that we over paid on our payments. We retained new counsel that filed a motion to vacate the final judgment on the basis that the loan was modified by the time the judgment was entered and therefore Ocwen or GMAC could not foreclosure. The judge asked the question what was the point of Ocwen keeping the payments we made if Ocwen did not have any intentions on modifying the loan but the judge ultimately ruled against us. Ocwen caused us to incur more legal expenses as they fought vigorously to take the deed of our home. Ocwen then recently gave us a new payoff that was exactly {$200000.00} more then the original payoff after Hurricane Irma again with no explanation why.
Consumer complaint received 2017-09-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pinnacle Credit Services, LLC (ID)

Received a letter, sent XXXX/XXXX/XXXX, attempting to collect a debt for {$2500.00} with the original creditor XXXX XXXX. I called XXXX on XXXX/XXXX/XXXX and they have no record of me ever owing that amount or sending me to collections.
Consumer complaint received 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Obtained Transunion Credit Report. Noted incorrect address, phone numbers that were no longer in use by me, and incorrect birth date. Also questioned XXXX bank credit card I dd n't recognize. XXXX XXXX called me and told me name of card they had issued so I assume call was initiated by Transunion. The information was correct. Incorrect address and phone numbers were removed from report BUT they still have my incorrect date of birth. I sent them by certified mail a copy of my birth certificate and my driver 's license and they still have inorrect birth year of XXXX. My birthdate is XXXX XXXX, XXXX. 
Please have them correct my birth date on their report. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Account was paid off an closed early in the year. Now it shows that the account is past due with more then 9 different strikes on all my credit reports. All postings of negative information was after the closing and final payment of the account. The entire year of 2017 was impacted.