davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-24
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. (FL)

I am a natural person, I am a living human being, I have right under 15 USC 1681. 

Experian XXXX XXXX is governed by 15 USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Experian  XXXX XXXX written permission to furnish these accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-25
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-08-24
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. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (TX)

I didnt not want this credit card because the limit they offer me is too low {$500.00} limit sucks and I want this account to be reported as close and I filed a dispute on the credit card twice with XXXX and it was rejected twice within days and I dont want this credit unless they increase the limit to {$1000.00} witch they wont .. the credit bureaus wont report it closed.. 

Second complaint is that XXXX has put tons of hard inquiries collections on my Lexus Nexis and I need have those removed because I didnt apply for any loans or have any past due loans under my name The current balance on this credit card is XXXX dollars Account number ending in XXXX
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MI)

There was an unauthorized transaction on my account with Walmart. I have notified the company paid the portion of the bill I am responsible but Walmart is still reporting unauthorized transactions to Ctedit Bureaus.
Consumer complaint received 2018-07-03
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Integrity Funding Ohio, LLC (TX)

I obtained the title loan and was making payments, but I had a XXXX and was off work for XXXX XXXX. My job did not pay while on leave and unemployment disputed those days I was in leave because they stated I was off work. I attempted to explain this to the company, but theyre response was pay all or there repoing my vehicle. I tried to get a third party to mediate with them for me, but theyre only offer was that they would except the refinancing fees of $ 700+ dollars and refinance the principal amount in its entirety. Which was not a payment arrangement, I have one week left on leave and need to resolve this without losing my vehicle.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc. (IN)

I have an outstanding debt to XXXX University. The last information I received from XXXX University is that I owed approximately XXXX for a debt for courses that I took at the university. I called Key Recovery and asked about the debt in XX/XX/2017. I was told I owed XXXX. I asked why was there a difference between what I owed XXXX and the amount that I was quoted. I was not given a response and I was not sent a written copy of the bill that included the extra charges and what they were for.
Consumer complaint received 2022-08-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies. This has not helped ; thus, these accounts are still reflecting on my credit report.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BB&T CORPORATION (CO)

I closed a personal checking account with BB & T in XX/XX/XXXX, and received a letter confirming the account was closed. 
That was the last communication I had with BB & T, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. 
The letter also stated that this negative status had already been reported to XXXX. 

I telephoned BB & T, and an associate looked over my account status. 
- She saw that the account was closed XX/XX/XXXX. 
- She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. 
- Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. 
- In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. 
- Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. 

Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to XXXX, I had received XXXX communications from BB & T. 

As a result of my contacting BB & T in XX/XX/XXXX, they closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. 

However, I now need BB & T to remove the negative credit activity from my credit report. 
I submitted a dispute via XXXX, and BB & T simply reported that the account is closed. 

I need BB & T to correct its mistake which it compounded in so many ways, and repair my credit report.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Ditech Financial LLC (FL)

I received the below email from Ditech My name is XXXX XXXX and your file has been placed in my care so that you receive the World Class service you deserve. 

You ARE eligible for a streamline rate reduction There is no need to pay that high rate any longer. 

We're reaching out to our good paying customers, to let you know that we can rewrite your mortgage w/o the hassle or costs of a typical refinance. You ARE eligible and I'd love to share with you how it can impact you financially. It will only takes a few minutes of your time to go over your savings. This program expires on XX/XX/2018! 

Here are the details of this opportunity. 

WE CAN SHORTEN YOUR TERM AND / OR LOWER YOUR PAYMENT NO OUT OF POCKET COSTS NO APPRAISAL REQUIRED NO INCOME REQUIREMENTS NO HOME VALUE REQUIREMENTS NO CREDIT SCORE REQUIREMENTS RENTAL AND 2ND HOMES ARE ELIGIBLE PAST BANKRUPTCIES AND FORECLOSURES OVERLOOKED 10yr, 15yr,20yr,25yr and 30yr FIXED RATE LOANS AVAILABLE Feel free to email any questions or a good time to speak with you. 

I can be reached directly at XXXX Have a great day!! 

When I replied. Please send me more information. They pulled my credit report ( and my wife 's ) without authorization.
Consumer complaint received 2019-05-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A. (NY)

I have an app on my phone to track my credit score, called XXXX XXXX. On XX/XX/XXXX I opened the app to see my score and was presented with a " good offer '' on a credit card from Citi ( Citibank/Citicards ). The deal was, according to what I was presented with on the app, I could make up to 4 balance transfers on to the card up until XX/XX/XXXX. There would be 0 % interest on the transferred balances until XX/XX/XXXX. I applied for the card and was accepted with a balance limit of {$1100.00}. 

My first transfer was initially rejected because I went over the {$1100.00}. limit, not having factored the 3 % transfer fee. I spoke to a representative of Citi when it was rejected to find out why, and was told the above. She had said to me I could make more than 4 transfers, " as many as I like '', as long as transferred by XX/XX/XXXX. I allowed for the fee and made my first transfer for the max allowed on XX/XX/XXXX. My plan was to pay that down quickly so that I could transfer more over to the card. I made a payment of {$400.00}. on XX/XX/XXXX. 

On XX/XX/XXXX I called Citi so that I could make another balance transfer. The representative I spoke with, XXXX - ID # XXXX, told me that he was unable to make the transfer, that it had expired. Expired? I gave him the XXXX deadline and then he said I could only make one transfer. One transfer? He dug deeper and found the offer and said that it was unusual that it would be rescinded. He filed a complaint on it and told me to call back on XX/XX/XXXX. I called on the XXXX and was once again told the same thing, expired, only one transfer, to check periodically for new deals. Right. Nothing I said mattered. I talked to the next level up, I did not get his name, who said there was nothing he could do, that they had no control over a 3rd party offer ( XXXX XXXX ), and that " the decision was made 3 or 4 levels up the chain. '' I asked who that would be, and he said the vice presidents and president of the company! 

My complaint is Citi rescinded their offer with no explanation, no nothing. I would of never taken the card on a one balance transfer with a low limit, in fact it negatively affected my credit rating. The offer provided to me on XXXX XXXX seemed like a good opportunity to get my credit paid down. I was happy about it. That offer was confirmed to me in a Confirmation Letter from Citi, dated XX/XX/XXXX ( see attached ). I view this as reckless, wanton, callous fraud. Taking advantage of people who put their trust in you, your company, people like myself of modest means up against big, all powerful, greedy banks, well that's just no way to do business. Citicards, Citibank - you should be ashamed! 

Please excuse the marginalia on the Confirmation Letter made during two separate phone calls to Citi. 

Thank you!
Consumer complaint received 2020-05-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CA)

I took out a private student loan through Navient ( Salle Mae ) in 2008 to pay for XXXX  school at XXXX XXXX XXXX XXXX ( sit for the CA State Bar ). I was fraudulently admitted to XXXX XXXX XXXX XXXX ( I lacked XXXX  credits at the time ), paid for four years of school and the school was closed due to the improprieties of the dean. I initially sought counsel, but was told I shouldn't throw good money after bad because I would never collect from the Dean. The units are worthless as I have not been able to transfer any units, so I have been paying on this loan for years for nothing. At one point, I had trouble paying my loan and Navient forced me into a forbearance, which added another $ XXXX or so to my loan. shortly before Covid broke, I reached out to Navient in attempt to resolve my issues. Basically, they gave me the XXXX. I was furloughed due to Covid and they REFUSED to modify my loan in any fashion. The only student loans XXXX XXXX XXXX XXXX offered were private loans. I wish I had known then what I know now. Private student loans seem to be the only financial service where there is no risk for the lender. Navient must be run by a group of lackeys that can't hack it in the real world, while collecting millions in compensation. I am not aware of any financial institution where the lender will not work with the consumer, especially in unique cases of fraud, job loss, etc. I have an Amicus Curiae letter drafted that will be circulated to the XXXX XXXX in your pending lawsuit against Navient.
Consumer complaint received 2018-07-03
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. (CA)

XXXX XXXX XXXX  credit card is being reported negative on my credit file and it doesn't belong to me. the account and balance do not belong to me and this is fraud. I have notified the three credit bureaus as well as XXXX XXXX XXXX and sent in the police report and this account was to be removed from my credit files. I still see I t appearing and greatly effecting my crtedit in a very negative way. this credit card and balance being reported on my credit files does not belong to me. this account should be deleted from my files as thisis fraudulent and doesn't belong to me
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Last year, I received a credit report from TransUnion because I had a question about our FICO score. Our FICO score dropped from in the 800s to almost 700. So when I received the report it showed a credit card from XXXX showing a {$520.00} bill ( which we had not EVER received a monthly statement for ). I called XXXX right away, and they couldnt give any information other than we had not received payments for months + finance charges. I paid them the full amount over the telephone, because they had my name, etc. ( My mistake ). Meantime I have made telephone calls to XXXX, was transferred to 3 different representatives after explaining what the problem was and they said that I had to be transferred to the credit card department. They couldnt help so I was transferred to XXXX, who had one of the errors on their report and said they would delete an address which I had never lived at, they then transferred me to another credit reporting company, who then told me I would have to call TransUnion, since they sent me the report to begin with. Again for the 6th or 7th time I explained everything from the beginning. Even though they had my name and former and current address and telephone numbers, they couldnt give me the lenders name for another womens name and 2 unknown addresses that was on my report. I dont know what to do, I have been on the telephone for hours. I am thinking possibly she hacked my credit card and charged something, and I am the one that paid for it. I cut up after that all my credit cards except one. From the beginning I was told if I did not pay it, my credit would get worse. Why, if TransUnion had all my info could they not get ahold of her? Especially, her name was on my report or XXXX if they had her name and 2 addresses for her so I could possibly get my money back. We have always paid our bills and loans on time or before the due dates and paid them in full. Would you please be able to help me? Thank you so very much!
Consumer complaint received 2018-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (FL)

It is an Illegitimate Debt, incorrect and false report on my credit file.

XX/XX/XXXX send letter requesting more info about their report and the investigation.

XX/XX/XXXX re-resent previous letter, due to a non response XX/XX/XXXX sent a new letter requesting investigate and send me the results ( response received XX/XX/XXXX ; but, failed to give consumer required notices and disclosures under the FDCPA. Response was unethical and disrespectful ) XX/XX/XXXX send letter notifying that, they failed to investigate their entry ; provide consumer info, and disclosure of documents, and that after more than 30 days constitute to promptly drop this info according to Section 611 ( a ). ( Response on XX/XX/XXXX, stating they have reviewed the dispute and verified and it is accurate. Fail to provide me with the information, documents, disclosures ) As of now, I don't know this alledge debt to whom belongs, when was opened, what was it, where was opened, as per request on my correspondence.

Attached Letters Attached Report from XXXX
Consumer complaint received 2018-07-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

I received a letter from Midland Funding stating I owe about XXXX dollars. I called them to see if we can work something out if anything since it said I have till the XX/XX/XXXX to respond. I spoke to a representative stating they cant do anything for me as the debt is under investigation. I asked to speak to a manager and they transferred me to XXXX XXXX and gave me the run around and told me to call tomorrow. I tried to settle so theyd leave me alone but it seems they want to use scare tactics to get me to pay a full amount for a debt I alledgly owe.
Consumer complaint received 2018-07-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I called my mortgage company, PennyMac USA, about my Loan ( XXXX ) on XX/XX/2018. I'm currently unemployed and asked for a short-term forbearance because I'm struggling to make my payments. I was rejected because I paid XX/XX/2018 and wasn't in default. They said I didn't qualify for a short-term forbearance because I wasn't 3 months behind in my payments. 

I told them I'm trying to be proactive and let them know that I'm struggling financially, but actively looking for full-time work. They said I needed to be 3 months without payment before I could qualify to " not pay. '' I'm afraid that if I don't pay for 3 months, they'll start the foreclosure process. 

Please help. I want to remain in good standing, I'm looking for full-time work, but I need a short term forbearance while I regain income. 

Thank you!
Consumer complaint received 2018-07-05
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. (IL)

I pulled a copy of my credit report and noticed that there are some inaccurate accounts being reported on my report. These accounts are in violation of the FDCPA and the FCRA. I have contacted these companies as well as the credit reporting agencies and they have been unable to verify how these accounts were verified as accurate. These accounts are affecting my overall credit profile and credit worthiness. I don't have any contracts with the companies that are alleging that a debt is owed to them. I have requested they provide evidence to support their claim in which they have failed to do so.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Ameritech Financial (TX)

Ameritech Financial helped me enroll in a loan forgiveness program for being in public service ( I am a XXXX ). They did not disclose to me that there would be a monthly payment to them for their services. I am currently paying them {$100.00} a month through XXXX XXXX XXXX ( XXXX ). 

I received a letter from the Federal Trade Commission stating that they are currently suing Ameritech Financial for deceptive practices. I am acting on the steps included on the letter I received. 

I have contacted Ameritech Financial with the intention of cancelling my account, but they have not called back due to unusually high call volume. It is my intention to seek a refund of the money I have given to them.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I have been denied a credit because of in accurate information on my file with XXXX XXXX XXXX   agency. I disputed the info last year and they supposed to delete and or correct it however they did not. I called XXXX again today and they told me they will contact the creditors and get back to me. The status information on file shows the accounts were involved in a bankruptcy, however these account were a mortgages and a line of credit were paid in full and never were involved in any bankruptcy. I need your help here to get these derogatory information being removed from the file, since other Credit Bureau has no issue with this. I am in the process of refinancing my house again and buying a new car. Please help me here. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-05
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. (TX)

I have disputed this several times not only is this inaccurate Equifax has it twice on my credit file XXXX XXXX {$140.00}, no balance owed and listed twice XXXX XXXX {$750.00} unknown and no such debt owed, no validation is obtainable, remove Please help