davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP (NY)

KeyBank is holding back our stimulus payments as people are starving. They promised all weekend that the funds would be made available on today XX/XX/2021 as it is the date the checks from the IRS are dated yet none of Keybanks customers have received their funds. Tried repeatedly to contact KeyBank but to no avail.
Consumer complaint received 2020-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Since XX/XX/2019 I have written letters to XXXX XXXX XXXX XXXX XXXX 

The correct spelling of my name is : XXXX XXXX XXXX The only address that should appear is : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX The only telephone number that should appear is : XXXX
Consumer complaint received 2016-09-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Grant & Weber (AZ)

I went and checked my credit and, saw that Company : GRANT & WEBER Account # : N/A Balance Amount : XXXX Status : Credit Report Collection but, they had NEVER contacted me first. It was a Medical Debt from XX/XX/XXXX and, ( did not know about it ) XXXX XXXX ( without contacting me ) then on a different part of the Credit report states it was XXXX XXXX Hospital for {$1400.00}.
Consumer complaint received 2018-01-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (CO)

Hello, I have been making payments to this creditor, XXXX. I received a statement dated XX/XX/XXXX which stated my payment of {$25.00} was due on XX/XX/XXXX. I made a payment 6 days later on XX/XX/XXXX, which they show receiving on XX/XX/XXXX. They told me they reported the account to the credit bureaus on XX/XX/XXXX, XXXX days later. Why am I getting reported as delinquent if it was not even 30 days delinquent? I made the payment 6 days after the due date. 
I also received a statement dated XX/XX/XXXX which reflected my new balance, which stated my payment due date of XX/XX/XXXX. I made a double payment of {$50.00} that time on XX/XX/XXXX. 
Today I called the company and asked what was going on and the lady said that they have held the account since XXXX and they did in fact receive my payment of {$25.00} on XX/XX/XXXX and then did report my account on XX/XX/XXXX. I asked since this is an error if it could be deleted, and the lady told me no. She also told me that it was set up as a hardship payment and that was only good for 3 months. They did not tell me this when it was set up nor did they send me any other letters stating we needed to redo the payment plan etc. I was not aware of that and they did not make that known. You will see on the last statement I received dated XX/XX/XXXX ( payment due XX/XX/XXXX ), it says " for your convenience we have established the following payment arrangements : monthly payment amount {$25.00} and due date XX/XX/XXXX ''. So I have been just following that arrangement. 
I am trying to get my house refinanced so I can pay off ALL of my student loan debt and this has completely trashed my credit score.  My mortgage lender referred me to you for help to get this fixed, because now otherwise I will have to wait like 6 months. I don't have that amount of time to wait! I need help. This was reported when I was not delinquent. 
I did in good faith pay off the balance of this account today ( {$520.00} ) because I was fearful of this happening again and also I no longer want to deal with this company. This is ridiculous and they refuse to fix it directly with me. They need to delete their error immediately. 
Please help!
Consumer complaint received 2020-11-21
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: Experian Information Solutions Inc. (TX)

This involves a collection dispute. I have never heard of this company that have listed an item on my report for collection. I do not have an account with them and have never had an account with them. 
i disputed this item on Experian credit report. They could not provide info on the validity of this collection account, how ever they reported it as accurate without any difinitive proof. 
they merely rubber stamp what the collection company said without investigation an proof. 
I demand strict proof!
Consumer complaint received 2020-11-21
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: Experian Information Solutions Inc. (PA)

I am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-01-04
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: AMERICAN EXPRESS COMPANY (FL)

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, AMEX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written auth orization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2021-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to Equifax. The complaint number was XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by Equifax to resolve anything. In fact, I know that there was data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later, and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach, and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-01-05
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. (NV)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. It has been over 60 days later, and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand these accounts be deleted immediately, or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach, and may have gotten into the hands of the wrong person.
Consumer complaint received 2018-01-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC (VA)

Due to health issues stemming from XXXX and confusion regarding our previous mortgage lender changing to another we thought our payments were being automatically being made. This was not the case and we fell behind on our payments. We called and spoke to the company who instructed us to start making payments via mail. We did that and a few months later the checks were returned and our house was put up for auction. 
The XXXX and XXXX led me to have a XXXX XXXX. We seek compensation for Ditech/Greentree for foreclosing on our home despite our compliance with their instructions.
Consumer complaint received 2021-01-04
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. (WA)

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, 2019, XXXX add a hard inquiry on my credit reports.
Consumer complaint received 2018-01-22
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. (AL)

I have no knowledge of any accounts with XXXX XXXX Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TX)

XXXX at XXXXXXXX XXXX - I received a phone call from ( XXXX ) XXXX stating that someone will show up to my residence, or my place of work, to provide me a lawsuit on behalf of Citi Bank. And to have my ID and SSN ready when they do. 

XXXX at XXXX - I placed a call, outgoing, to XXXX ( XXXX ) XXXX, and spoke with one of XXXX XXXX XXXX three employees. I explained I had no prior knowledge of them trying to contact me, and this is the first call ever received from them. They stated that they have been sending information to my parents, who live in NY ( XXXX in Texas ), whom would definitely let me know that I had unfinished financial issues. They also proceeded to state that Citi Bank DOES NOT place accounts into collections, until all options have been exhausted. I was scared but did say I could pay but not right now. I need time and more information. This isnt the first time someone attempted to scam me claiming its for Citi Bank. 

XXXX at XXXX - I contacted the original company I was in debt with, Citi Bank XXXX and they filed a 1099-C, back in XXXX, I believe. My debt was reported as income to the IRS. And charged-off. They have no knowledge of any third-party collection agency. 

XXXX at XXXX - XXXX contact XXXX XXXX XXXX explaining everything I just found out. They tried to explain they picked up the debt from a different third party agency, but refused to provide a name. I called back two more times, after speaking to a very rude representative, and got sent straight to hold. 

XXXX at XXXX - I placed two more calls with XXXX XXXX XXXX XXXX after speaking extensively with Citi Banks collections/Recovery Department, and politely asked for the original documentations ; original account number, the card number and what type of card, and the third party agency they received the information from. The lady, XXXX, stated [ they ] DO NOT hand out that information at all. She then refused my request for her to email me the information instead. 

That is my right to know, especially if it pertains to me, lawsuits, and my SSN floating around so freely. 

The second call, I was transferred over to the same very aggressive male representative who wouldnt let me speak, and stated they already started the dispute. I couldnt even ask them to cease and desist, before he hung-up on me. 

Im currently in business with XXXX XXXX, and they see nothing on my credit reports showing anything negative from Citi Bank, or able to verify XXXX XXXX XXXX statement of this account being in collections.
Consumer complaint received 2018-01-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (FL)

There are a number of issues wrong with this debt. For one this debt is past seven years old. Secondly this was handled by my insurance multiple years ago, thirdly this is a third party, a debt collector getting debt from another debt collector. I have no contract with this company and have no debt with this company. They have not contacted me before parking this debt on my credit report. I know the cfpb has a strong stance against debt parking, especially old debt from over 7 years ago. This needs needs to be removed IMMEDIATELY before any further monetary loss is made. Im in the middle of a home loan and if this illegal tactic effects it we will really have problems.
Consumer complaint received 2023-04-26
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: Experian Information Solutions Inc. (TX)

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 It is so many inquiries on my credit I didn't apply for and my information on my credit is not adding up. I submitted a complaint months ago about XXXX auto as well having the information wrong on my credit report and it is still wrong follow by my screenshots provided. I lost my truck to repossession in XXXX the balance was {$4200.00} not {$15000.00}.
Consumer complaint received 2018-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have no knowledge of any accounts with XXXX XXXX. Ive never ordered anything or received any services from this company. Ive repeatedly disputed this account with each credit bureau and asked for validity of this account. No one has ever sent me any signed contracts or anything verifying that I own an account with XXXX XXXX or that I owe them any money. This account is negatively affecting my credit and hindering me from obtain any good credit.
Consumer complaint received 2018-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Long term customer of Citibank ( 10 years + ) - platinum visa card. Perfect pay history with Citibank and all other creditors.

Citibank misapplied one payment ( as I had made it 3 weeks early - they erroneously applied the payment to the previous month ).

Once I contacted Citibank they fixed the error and properly re-applied the payment and reversed the late fee.

However several months later when I applied for a second VISA card - they turned me down citing a recent late payment - I explained that this was their error. They acknowledged this from notes in their system yet refused to grant further credit or reverse the credit inquiry or give me assurance that their error was not reported to the credit repositories.

I would like Citibank to reverse the credit inquiry and update the repositories that there was no late payment.

I highly value my credit rating, which is perfect and I do not want Citibank ; s error to blemish this perfect record. Thank you XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida, XXXX  XXXX XXXX
Consumer complaint received 2016-05-01
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (MD)

There is so much malfeasance with Citibank nationally and internationally that I am mad my tax dollars helped them to survive. Citibank fails to communicate with consumers when it is obvious they have made a mistake. Instead they coverup and make all seem as if its the consumers fault. 

In cases XXXX,XXXX and XXXX Citibank continues to create havoc with lies, lies lies! I recently reported a P.Vigneault on XXXX XXXX, XXXX who I feel will counter with another XXXX letter about my accounts. In XXXX XXXX I opened the case ending in XXXX. Case in point in the recent letter I received and do n't know why, he/she sent me a thick packet of the closed credit card account doc 's. I did not request this and there was no explanation as to why it was sent. 

Since the bureau in early XXXX XXXX accepted and sided with Citibanks explanation on why/when a payment is made there is no reason why a consumer needs to be informed when a payment is made, what the current balance is. Why and who ask XXXX to send me the huge packet beats me. I assumed the bureau accepted the very weak explanation why consumers do n't need to know what their ending balance is. So guess its ok for Citibank to have a consumer just pay, pay, pay. 

So, XXXX collapsed this case with the case ending in XXXX where a client liaison XXXX XXXX XXXX admitted in the XXXX XXXX, XXXX response that Citibank made a mistake purposely sending my payments ( account # written in the check memo section ) to the credit card account, and calling me a liar or as they put it when the case was opened, " XXXX XXXX claimed ... ''. In the fourth paragraph he stated " please allow 7-10 business days for the payments to be removed and reapplied to the checking plus account '' then he sent my account to collection agencies. XXXX XXXX seemed to feel the pressure of his lies, and referred the case to XXXX who is a regulatory complaint specialist to make all look as if I defaulted. 

In his/her XXXX XXXX, XXXX response XXXX stated in paragraph XXXX " in XXXX XXXX the error was corrected and the payments were transferred .... and posted as of the date they were received. There was never a letter letting me know this. Instead in the last paragraph he/she stated " It will be necessary for you to contact XXXX XXXX XXXX to discuss settlement options that might be available ''. 

These people must be on an opioid! Let 's face it Citibank, you cashed the checks in a timely fashion but, lied that they were never received then, covered up the checks were " erroneously applied to the credit card account ' ending in XXXX. Then Citibank stalled and procrastinated forl six months jerking me around, where I had to involve my Congressmen.For spike of involving my Congressmen Citibank sent the account with the new reduced amount of {$450.00} to a collection agency. Anyone who is a " logical '' thinker would see this is a coverup. So Citibank man-up and admit the truth, you lied.
Consumer complaint received 2018-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NC)

The total amounts of student loans outstanding are incorrect, partially not issued to me, and interest rate calculations are incorrect based upon status of loans at various points in time since XXXX. Please see attachments for details and explanations, dates, amounts, etc. Thank you, XXXX XXXX Direct Dispute In partnership with Submission PendingSubmitted to XXXXUnder InvestigationCompleted XX/XX/XXXXXX/XX/XXXX Estimated Completion Date Status Details XXXX received your request on XX/XX/XXXX and they are currently processing it. XXXX  normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. 
Mail : XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays MOHELA/XXXXReported on XX/XX/XXXX {$11000.00} Dispute Reason Ownership : The creditor agreed to remove my liability on this account.
Consumer complaint received 2018-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

My mortgage servicing company is taking a rediculous and incorrect amount of interest on my monthly payments on a simple interest loan. 
My payments are not being applied correctly. They are stealing interest. 
( acording to their own records attached and beginning on the last page in the 2013 year when they begun servicing the loan ).