davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Berman & Rabin, P.A. (KS)

I purchased a storage shed from XXXX XXXX XXXX in XXXX   Ks. I gave a {$200.00} deposit and {$160.00} which was the first months rent. I have had nothing but trouble with the creditor from day one. They have purposely tried over and over to inform me that I'm behind and they are coming to repo the shed. I have attached a copy of a letter from one of the multiple attorneys that XXXX XXXX XXXX   has had contact me. XXXX XXXX XXXX is the creditor for the shed. I have always paid the payments online well when I went on to the website to make my payment it told me that my account is invalid? So after numerous attempts to contact XXXX XXXX XXXX I finally was informed that I was several months behind and accumulated late fees. They changed my entire account numbers everything. And in the contract it states that NO changes are to be made without both parties hand written signatures. I will also attach emails from the company as well as a letter I received from Berman and Rabin PA stating that I have until XX/XX/XXXX to pay {$520.00} and then I can continue to pay my payments as if it never happened? It shows on the letter from Berman and Rabin PA that my contract began XX/XX/2015 it's a 3 year contract so that would mean pay the {$520.00} and there should only be 7 payments remaining. I tried to take care of the situation on my end only to be told that I would have to contact the office of Berman and Rabin PA but the letter from Berman and Rabin PA states that I need to get ahold of the creditor. Which is it? P.S they don't have any of the dates correct. XXXX XXXX XXXX  also informed me that Berman and Rabin PA would be contacting me on Thursday XX/XX/XXXXthey never did. And XXXX XXXX XXXX has locked out my online payment portal. So they have not even allowed me to speak with someone nor if I was to make a payment then HOW!?!?!
Consumer complaint received 2018-04-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (FL)

I have issue with bill they sending me to pay, i open {$300.00} prepay card in XX/XX/2014with citi bank and them after while i told them to close the account, use my prepay card to cover XXXX that was pending.however they didn't fix and my name is on file now and they still sending me a bill.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: BANCO POPULAR DE PUERTO RICO (PA)

During the Month of XX/XX/XXXX I sent my card payment ON TIME to Banco Popular to Apply to my credit card balance ending XXXX and since IRMA and MARIA HURRICANE affected all power and business in Pto. Rico They did not processed on time the payment affecting my CREDIT SCORE. 

Now since I 'm applying to a LOAN MORTGAGE TO BUY A HOUSE they are DENIED any letter to fix my CREDIT REPORT I has been deal with the Bank in the last two month and only obtaining a NEGATIVE LETTER and a Final Phone Call confirming They ARE NOT ABLE TO HEL ME TO REPAIR THIS SITUATION. 

Credit Card ending. XXXX Banco Popular Credit Card PRODUCT : XXXX XXXX XXXX XXXX XXXX : XXXX-XXXX2017 XXXX : {$38.00} Customer name : XXXX XXXX
Consumer complaint received 2018-04-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (TX)

I have enrolled with a credit resolution company to repair my credit. They went over the tactics that credit agencies or debt collectors will do in order to get me to pay the pay the debt I owe.

The credit resolution company I signed up with provided me a lawyer in case the credit agencies or debt collectors break the law. Allied Interstate has repeatedly been calling me non stop. I received 2 letters from them about 2 weeks after they started calling me. I have been logging all calls that I receive them. They never leave a voicemail and they never call from the same number. My lawyer explained that they are harassing me and explained my rights when it comes to harassment. They are now pursuing legal action against Allied Interstate for abusing the FDCPA.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (MI)

Equifax was hacked and I just learned of the potential impact to my credit. I have worked very hard to build out my life and current situation to be where it is. They are only offering free enrollment for their monitoring program but I find their delay in delivering information unacceptable and also the way in which someone could have a field day being me. The potential impact is my detailed information which is enough for some hacker to steal my identity with my birthdate, ss number, drivers license number and then some. This is completely unacceptable. I want them to be formally investigated for failure to secure personal data. I work for a bank where we would be fined and written up for such an incident. I hope that your team does what it was designed to do and goes after this. UNACCEPTABLE breach and honestly if I am a victim I will sue them to no end. It is their job to secure and protect themselves from this type of incident. 143 million people may be a victim. I am a hardworking American and I would sincerely expect you do to something on this.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I had 2 mortgages for One property in XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX, with XXXX Bank ( located in XXXX XXXX Puerto Rico ) and XXXX Bank agreed to a Voluntary Surrender ( instead of Foreclosure ) of my property. I have all the communication with the representatives from XXXX Bank working my Voluntary Surrender from XXXX. XXXX Bank went bankrupt and now XXXX XXXX is claiming that I owe them that second mortgage, but the property is no longer mine. I Signed my Mortgage Agreement with XXXX Bank ( not with XXXX - I never made an Agreement nor signed any document with XXXX ). I am requesting a thorough Fraud investigation of this fraudulent transaction and requesting to delete it from my credit report.
Consumer complaint received 2018-01-10
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. (FL)

I had 2 mortgages for One property in XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX, with XXXX Bank ( located in XXXX XXXX Puerto Rico ) and XXXX Bank agreed to a Voluntary Surrender ( instead of Foreclosure ) of my property. I have all the communication with the representatives from XXXX Bank working my Voluntary Surrender from XXXX. XXXX Bank went bankrupt and now XXXX XXXX is claiming that I owe them that second mortgage, but the property is no longer mine. I Signed my Mortgage Agreement with XXXX Bank ( not with XXXX - I never made an Agreement nor signed any document with XXXX ). I am requesting a thorough Fraud investigation of this fraudulent transaction and requesting to delete it from my credit report.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I requested Validation for a Bankruptcy that isn't mine, XXXX was verifying it was verified I contacted the court was told they don't have or provide any information to the credit bureaus, I was notified this was removed by my credit monitoring the inaccurate bankruptcy was removed between XX/XX/18-XX/XX/18 & without notice from XXXX was placed right back on the same day with no notification or reason why? this is a violation of the FDCPA & FCRA I am requesting this removed immediately or my next recourse will be legal assistance, This information isn't accurate.
Consumer complaint received 2018-04-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (WA)

Please see complaint XXXX for background. The credit company listed in previous complaint would not answer my attempts to resolve debt. New York HESC passed the claim my account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. All communication between myself and NY HESC documented in previous complaint. They then sold my debt at of XX/XX/2018 to XXXX. They ignored multiple communications from myself attempting to resolve this debt and have now passed along my details to another debt collector who has added additional collection fees. The debt keeps raising and no one is willing to resolve this debt because they say it is no longer theirs, as XXXX XXXX did on the original complaint. Is this behavior legal because it appears to be a manipulation to extort additional fees and an active ignoring of my attempts to resolve this debt. This pattern began with XXXX XXXX and has continued.
Consumer complaint received 2018-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

My private student loan was through Discover but has been handled by XXXX XXXX XXXX. A payment of {$900.00} was made on XX/XX/XXXX to XXXX XXXX for this student loan. Then we received a letter that Discover was taking over the loan servicing. The {$900.00} was not credited to my account. We spoke with " XXXX '' at Discover on XX/XX/XXXX and she contacted XXXX XXXX who confirmed we did make the payment. We were told to upload the receipt and bank statement showing we had made the payment to Discover and they would subtract the {$900.00} from the minimum amount due. She gave us the amount the new balance would be. They never subtracted the {$900.00} from the minimum balance due. We spoke with " XXXX '' on XX/XX/XXXX, " XXXX '' on XX/XX/XXXX, and " XXXX XXXX '', a supervisor on XX/XX/XXXX. She told me she had to get information from headquarters to figure it out. I have left messages for XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. She has not returned my phone calls. Essentially, they took the {$900.00} from our bank account and did not subtract it from the minimum balance due. It is as if we never gave them the money. Each time we have made other payments, the amount of the payment is automatically subtracted from the balance due. But they refuse to do it for the {$900.00} payment.
Consumer complaint received 2018-04-15
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: DISCOVER BANK (NY)

I am a victim of identity theft. My office was broken into and several identity documents were stolen. The following inquiry showed up on my credit report and was not authorized by me and was made without my knowledge or consent. I have attached a copy of the police report. 

Discover Bank Date : XX/XX/2018
Consumer complaint received 2018-01-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (KS)

The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to Security Credit Services , LLC. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.
Consumer complaint received 2017-11-17
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: Experian Information Solutions Inc. (SC)

I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

XXXX, XXXX & Experian : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2023-03-05
Product: Credit reporting, credit repair services, 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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Information Solutions Inc 18 usc 241 and 242 15 usc 1691c 15 usc 1692k 15 usc 1642 15 usc 1681m 12 Cfr 1002 12 Cfr 1002.7 All parties failed to conduct a reasonable investigation pursuant to the FCRA, they failed to review all relevant information provided by me pursuant to the FCRA, failed to correct and update the accounts credit report, and failed to take appropriate measures upon notice of the disputed debt as outlined in the FCRA. The Complaint asserts a single cause of action alleging numerous and multiple willful, reckless or negligent violations of the FCRA, and seeks actual and statutory damages pursuant to 15 U.S.C. 1681n ( a ) ( 1 ), punitive damages pursuant to 15 U.S.C. 1681n ( a ) ( 2 ), and reasonable attorneys fees as iam Attorney-in-fact and costs pursuant to 15 U.S.C. 1681n ( a ) ( 3In accordance with United States Codes and Federally protected consumer rights these violations are noted and probably more, 1026.13 Billing error resolution.

18 U.S.C S.s.1029 Violation 18 U.S.C c.47 Violation 18 U.S.C S.s. 1030 Violation 18 U.S.C 1644 Violation 47 U.S.C 325 Violation Notice : The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act I wish the every violation get investigated.in an timely manner thank you
Consumer complaint received 2017-11-17
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. (SC)

I have tried on at least two occasions to have credit inquires that I am unfamiliar with removed from my credit report. However, the major bureaus state that there is nothing they can do about it. 

XXXX, Transunion & XXXX : XXXX XXXX XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX/XXXX XX/XX/XXXX
Consumer complaint received 2017-11-17
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. (IL)

I submitted a police report in XXXX stating that my wallet turned up missing and that I was being bombarded with inquiries and accounts from Georgia. The 3 accounts that should not be on my account are XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts were opened in varying parts of Georgia and all were reported repossessed. I have called. I have written letters. I have submitted police reports. Years later these 3 accounts still plague my credit report. Equifax still came back claiming they had a contract signed by me for XXXX XXXX XXXX. This was not me. This credit reporting agency has not been helpful at all in the clearing of these 3 accounts.
Consumer complaint received 2017-10-06
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: Convergent Resources, Inc. (NJ)

There are 2 accounts on my credit report that are not mine. One is XXXX XXXX XXXX with XXXX XXXX XXXX and the XXXX XXXX with XXXX XXXX XXXX. I 've reported to XXXX and both of these credit agencies that these accounts are not mine I was n't living in the addresses at the time these bills occurred. Someone must 've kept the bill in my name. I request for this to be removed for fraud and incorrect information.
Consumer complaint received 2017-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Armada Corp. (PA)

I, XXXX XXXX, have reviewed my credit report multiple times. I have called/emailed the collections agency, Armada, about medical debt that should not exist on my report, as I was insured through the state of Washington, and was previously XXXX inXX/XX/XXXX. However, I did not realize that debts from years ago could be disputed. I had n't checked my credit until after I moved to Pennsylvania. I received no notices from Armada, or from the original creditor ( XXXX XXXX Clinic ) about my medical debt, which is roughly {$1800.00} or more, reported last on XX/XX/XXXX.
I tried calling Armada inXX/XX/XXXX, but the number was no longer in use. It says on their website that they still use the same number. I tried to contact them via online form inXX/XX/XXXXproviding my name, my debts, my email, and my phone number. I have not heard back. I tried to contact them again on XX/XX/XXXX, after being turned down for a loan. I still have not heard back.
Those charges on my credit report should not be on there, but I was unable to dispute it due to the identity verification process. I chose answers from " none of the above, '' because I did n't recognize any of the information - a red flag that identity theft may have occurred, or is still occurring. Regardless, if I can not reach the representatives at the XXXX XXXX XXXX to resolve the issue, then I should not be penalized, nor should my credit score suffer, as well. I have tried contacting them, but I receive no attempt to communicate on their behalf.
Please reach me at XXXX and leave a detailed message on how I can return your call. I do not answer numbers I do not recognize, especially XXXX numbers. If you leave a message, I will call back, but if you do n't, there 's a good chance that you wo n't be able to reach me. Thank you for your time and patience.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX I was notified of Equifax 's data breach and their attempt to get consumers to waive their legal rights. 

From Equifax : " Equifax Inc. ( XXXX : XXXX ) today announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Criminals exploited a U.S. website application vulnerability to gain access to certain files. Based on the company 's investigation, the unauthorized access occurred from mid-XX/XX/XXXX through XX/XX/XXXX. The company has found no evidence of unauthorized activity on Equifax 's core consumer or commercial credit reporting databases. 

The information accessed primarily includes names, Social Security numbers, birth dates, addresses and, in some instances, driver 's license numbers. '' According to Equifax, I have been impacted by this incident. 

Additionally, Equifax is attempting to trick consumers into waiving their legal rights through their offer of free credit and ID protection. 

From the XXXX XXXX. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OR)

On XXXX XXXX 2017, I made a purchase at Sears, located at XXXX XXXX XXXX in XXXX, Oregon. At the check out, the clerk mentioned that I could save {$20.00} if I signed up for a Sears card. I specifically asked the clerk whether or not the card was a credit card, or simply a store discount card. The clerk explicitly said, " this is NOT a credit card, it just gets you discounts on Sears products. '' I made it very clear that I was NOT interested if it was a credit card, and he again assured me that it was not.
After providing my information for the card, and going through the checkout process, I asked him how much I owed him. He said, the balance had been put on my card. I then forced him to remove the charge to the card and I paid with cash. While I paid in cash, it must be noted that the clerk made no indication that he was initially putting the charge on the card. In this way, he made a charge on the card without my consent. This is clear violation of the Electronic Funds Transfer Act. Please also note, that after the charge had been made to the card, the clerk said he could only reverse the charge if payment was made in the form of cash or check. Had I not had the cash or check, I would have been stuck with this unauthorized charge on a credit card I never knowingly signed up for.
Days after these events, I received in the mail, a Sears MasterCard, or in other words a credit card.
I contacted Sears via email requesting that my " Sears credit card '' be terminated. I have never received a response from Sears.
Please note the current XXXX XXXX XXXX lawsuit involving similar misleading and deceiving credit card marketing tactics.
Consumer complaint received 2017-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

Equifax security breach XXXX 2017. I was affected and now my personal information may have been stolen and used against me. Equifax needs to be held responsible for this egregious failure.
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

Back in XXXX 2016, I opened a simply right checking account with Santander bank which has no monthly fee if you make at least one transaction, starting in XX/XX/XXXX Santander bank started charging me {$35.00} dollars every month for monthly fee which I didnt notice until now, I called the bank and told them what was happening and I was told that my account was being charged this monthly fee because I had a premier bank account that I never requested to get upgraded. The representative downgraded my account back to simply right checking and said that I was go na see the fees back to the account, days passed and nothing, called back again to see why the {$280.00} worth of fees that the bank charged didnt come back, the representative said there was no request to refund the fees but that she could only refund me 2 of them, the bank only refunded me {$70.00}, I still want all my money back since I didnt sign up for that. {$210.00} needs to be sent back to me