davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hunt & Henriques (CA)

On XX/XX/XXXX I wrote a letter to Hunt & Henriques who is apparently working for XXXX ( XXXX credit card ). They had previously sent a letter to me stating I owe {$5500.00}. In my letter to them I requested validity of this alleged debt as well as I stated all documentation sent to my current home address was not valid in XXXX/XXXX because I was not in this home due to a court order. Any information they suggested they sent to me during this time, I never received. Plus due to much desolation, I was prescribed a few XXXX medications and was not myself. So ... I want all the information validated. Well, I received a letter back from Hunt & Henriques stating a bunch of mumbo jumbo legal stuff trying to confuse me stating " XXXX is not a debt collector under federal law. '' And XXXX need not validate the debt. '' And " XXXX is a debt collector under Ca law. '' Then XXXX is expressly exempts original creditors such as XXXX from any validation of requirement. '' At the end of the letter They state " Notwihstanding that XXXX is not required to validate under either federal or state law and that a debtor in NOT AUTHORIZED to request any particular documents as verification or validation of the debt. '' WHAT?? They said I have no authority to ask for validation. I thought it was part of their job. I am disgusted with Hunt & Henriques. They claim to be a law firm ... but I dont know.
Consumer complaint received 2020-05-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (TX)

Per my recent credit report, a collection was placed for the amount of {$82.00} on or about XX/XX/2018. Per the collection, the original lender is my XXXX office. I have never received a bill from my provider. There is no account number listed on the collection. This is not my debt.
Consumer complaint received 2020-05-26
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: WELLS FARGO & COMPANY (CA)

I've made numerous attempts to reach out to XXXX regarding the inaccurate information it continues to report to my credit file. XXXX special handling doesn't answer the phone nor does it return voice mails. I've left at lest 5 different messages and received not one call back. I've submitted a police report and a fraud FTC report to support my ID theft claim. The following accounts need to be deleted due to ID THEFT. 1.XXXX XXXX XXXX # XXXX 2.XXXX XXXX XXXX XXXX # XXXX 3. XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX So XXXX doesn't make the excuse that I didn't do this dispute myself Im including a copy of my drivers license and Social Secuirty card along with a police report and fraud affidavit.
Consumer complaint received 2019-09-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

XXXX XX/XX/XXXX I am formally lodging a complaint against Sallie Mae now Navient with your bureau. I have been battling this company for nearly twelve ( 12 ) years. I informed Sallie Mae in XXXX of XXXX, that I neither applied, approve, authorized nor co-signed for any loan or loans for XXXX XXXX. Whenever, I considered the average semester student cost ( XXXX University ) of nearly {$1600.00} for XXXX ( who lived at home ), I can't justify why any financial institution would ever approve reference # XXXX for any of the numerous loans of # XXXX for {$1800.00} ; {$8400.00} ; {$6500.00} and {$18000.00} respectfully? Furthermore, at no time did Sallie Mae contact me directly to verify, before executing any of these loans. 

In addition, I have obtained copies of these loans over the years and there is no actual or physical signature on any of the loan, neither mines nor XXXX XXXX, just a computered or typed in signature. Over the years, I personally have not made any monthly payment on any of these unrealistic loans. 

Since the sale of or just name change to Navient, I have stated my position as previously declared to Sallie Mae. Currently, they have declared the loans are in default and up for litigation or settlement with a reference to a IRS 1099-C. The settlement offer of {$10000.00}, would allow me as co-signer to be waived for the loans. Frankly, if I could afford it, I would not pay for any of these loans that were never authorized or approved. Furthermore, had Sallie Mae performed its ' due diligence these loans would have never been executed. 


Thank you in advance for your assistance concerning this matter. Yes I be will fighting this to the bitter end and am accepting any help or suggestions concerning this matter. 

Cordially, Ms. XXXX XXXX
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

For the past year, I have been trying to get the following taken off from my credit report due to being a victim of identity theft in XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) - XXXX XXXX XXXX ( I DONT KNOW WHAT THIS IS ) US Dept. of Education / XXXX  - All inquiries Last Dispute was XX/XX/XXXX
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

XX/XX/2020 - placed order to XXXX  XXXX - {$230.00} Received wrong part - unable to secure return info XX/XX/2020 Filed dispute with XXXX XXXX - provided conditional credit XX/XX/2020 Parts direct said they had not received return ( I awaited return instructions, and XXXX reversed credit. 
XX/XX/2020 Part received back at XXXX  XXXX  - XX/XX/2020 XXXX  XXXX  issue credit for {$220.00} - XX/XX/2020 XXXX bank says they did not receive credit and XXXX  XXXX  says their transaction detail states the credit went through XX/XX/2020 XXXX says to contact XXXX  XXXX  to issue new credit and XXXX  XXXX  says they can not because this account has come to " XXXX  '' due to charge and credit back.
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

SOMEONE OPEN FRAUDULENT ACCOUNTS USING MY NAME AND SOCIAL SECURITY NUMBER XXXX DID NOT APPROVE OR GIVE ANYONE CONSENT TO USE MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2019, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Consumer complaint received 2019-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX Reported : XXXX. XXXX, 2019 {$230.00} XXXX XXXX Reported : XXXX. XXXX, 2019 {$130.00} There are no contracts, no valid claim ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Consumer complaint received 2020-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America 's handling of my closed accounts made me feel unsafe, powerless and left me without my checking and savings funds for 12 days, in the middle of a global pandemic. The complaint is about both my checking and savings account with Bank of America. I have been a Bank of America customer since XX/XX/XXXX. 

On XX/XX/XXXX, I tried logging into my mobile banking app, when I was denied access and directed to call customer service. When I called, I was notified that BofA closed both of my checking and savings accounts for, as the customer service rep put it, " business reasons. '' I was given no explanation and told that the bank has the right to do so. I was also told that my remaining funds, {$4000.00} in savings and {$6400.00} in checking, will be mailed over to me in a cashier 's check. When I asked when, the rep said he doesn't know yet because my case is so new, and to call back the next day. Mind you, I was given NO notice of accounts being closed, and was basically left with no cash, as this was my only checking account, in the midst of a PANDEMIC. 

On XX/XX/XXXX, I call back and am told that my check has been mailed via regular mail, but the customer service rep doesn't know when the checks will arrive. 

On XX/XX/XXXX, I receive some random letter from them, titled " Advice of Credit '' and dated XX/XX/XXXX. 

On XX/XX/XXXX, I take the said " Advice of Credit '' and go to speak to a BofA banker. The banker calls BofA on my behalf and asks what's up with my checks. He is now told over the phone that my checks were mailed on XX/XX/XXXX, instead of XX/XX/XXXX, as I was previously told over the phone by BofA rep. 

On XX/XX/XXXX, later in the day, I finally receive the NOTICES about the decision that my accounts are being closed. The letters are dated XX/XX/XXXX, but the notices arrived XX/XX/XXXX, 9 days after my accounts were closed. In the meantime, a letter is mailed to my old address in California (??!! ) that my credit card was closed too. 

On XX/XX/XXXX, I finally receive my checks. My account was closed on XX/XX/XXXX. In the middle of a PANDEMIC, my bank that I trusted since XX/XX/XXXX held my own funds for 12 days without an explanation. And frankly, the fact that they closed my accounts didn't bother me as much as the way that they handled the process, and left me borrowing money from relatives for rent or using credit cards to buy food. 

I believe the bank has all the call logs and recordings saved, including the one from the banker, and they can easily listen in to double check all of the dates and claims I have made here. Their notice letters are dated XX/XX/XXXX, but the envelope is dated XX/XX/XXXX, and it only arrived on XX/XX/XXXX. And the actual checks arrived two days later.
Consumer complaint received 2019-08-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK (CA)

Hello, Please UPDATE my current address on my credit reporting to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX  AND please REMOVE ANY previous addresses like : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX  Thank you!
Consumer complaint received 2019-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AES/PHEAA (GA)

I was shocked when I reviewed my credit report and found 120 days late payment on the dates XX/XX/2018 to XXXX 2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2020-05-25
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

it has now been over 60 days with no response at all from the bureau into my problem which is in complete violation of the FCRA guidelines that govern them. I hope that by reaching out to you this problem can finally be solved.
Consumer complaint received 2020-05-26
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)

I applied for an auto loan and was shocked when the dealership told me I have a negative account. Although I was still approved my interest rate was coming out higher. I reviewed my credit report and found a negative account that does not belong to me. I called the company to remove it and more than 60 days have past I have not received a response. I believe someone used to identity to obtain good that I am unaware of. I never used this company for any type of service nor have I given anyone authorization to use my name.
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (VA)

XX/XX/20 - PAYMENT OF {$7200.00} MAILED UPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/20 - PAYMENT DEPOSITED - I HAVE A COPY OF THE DEPOSITED CHECK XX/XX/20 - LETTER SENT TO CITI BANK ADVISING MISSING PAYMENT ACCOUNT NUMBER XX/XX/20 XXXX CALLED CITI TO FOLLOW UP ON MISSING PAYMENT XX/XX/20 XXXX CALLED CITI TO FOLLOW UP - WAS ADVISED A PROVISIONAL CREDIT WOULD BE PLACED DURING THE INVESTIGATION HOWEVER NO CREDIT HAS BEEN PLACED AND CITI STILL HAS NEVER CONTACTED ME ABOUT THE DISPUTE. IN THE MEANTIME I HAVE RECEIVED INTEREST CHARGES AND A LATE FEE.
Consumer complaint received 2020-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP (NY)

I received a letter dated XX/XX/2020 from US Bank stating that it was closing my account immediately for inactivity. In almost all cases in the past, with other credit card companies, I would receive a letter letting me know that my card will be closed for inactivity in 30 - 60 days unless I ( 1 ) give them a call to discuss keeping the card open or ( 2 ) make a purchase using the card scheduled to be closed.

I found this concerning because most Banks appear to be bending over backward to help their customers during the pandemic. In this case I wasn't given an opportunity to resolve the matter and keep the credit card account open. 

I called Customer Service at XXXX at approximately XXXX XXXX EDT on XX/XX/2020 to discuss the matter as instructed in the letter. The Customer Service Representative told me that this was considered a permanent close and if I wanted it to be re-opened I would have to reapply. I didn't want to go that route so as not to affect my credit score with a new inquiry and asked to speak to a supervisor. The supervisor told me the same thing and let me know that there was no one else I could talk to. I found that surprising and ended the call. 

I just looked at my XXXX FICO Score XXXX on XX/XX/2020 at XXXX XXXX and have an XXXX credit score - nine points away from a perfect score using that model version. It appears that credit scoring was not a variable in their closure mode where they could secure a soft hit on my credit report to determine the minimal risk I present to the Bank without impacting my credit score. 

Thank you.
Consumer complaint received 2020-05-26
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. (FL)

I believe Equifax has truly done a disservice to me by ignoring to completely answer any of the disputes that I have sent to them. They have allowed for erroneous and invalidated items to remain on my credit report. I sent my first dispute to them on XX/XX/XXXX. They did not provide me any of the details that I asked for in the dispute but somehow " verified '' the accounts. They've also provided me very slow and delayed responses throughout the entire process. The other bureaus have already deleted plenty of these accounts. The last letter that I sent to them was on XX/XX/XXXX, requesting them to comply, which was sent because they are just now opening a reinvestigation, in XXXX, from a letter that I sent to them in early XXXX. XXXX XXXX notified me that they removed only one so far into this investigation. Bottom line is that they've opened an investigation based on a letter sent to them way outside of their time allowed to reply other than to comply with my demands. I have even sent letters directly to the companies reporting this information to Equifax and they have not been able to validate the accounts. As I stated before, other credit bureaus have received the same information that I've sent to Equifax and those bureaus have already began removing these erroneous items. This has been a terrible process due to their ( what seems to be ) automated replies. Equifax has continued to illegally let these companies report erroneous information. This negligent noncompliance needs to result in the disputed accounts being removed immediately.
Consumer complaint received 2020-05-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Escrow Inc ()

Since the XXXX of XXXX I have been waiting for Escrow to pay me {$100.00}, they have charged me a {$20.00} fee but not paid me my funds. 

Escrow is saying that I am using a online account that they don't accept the disbursement method, however I have added my XXXX XXXX  details and now added my XXXX XXXX  details. These are not online banks, these are 2 of the biggest banks in the XXXX XXXX. 

I sent them a screen shot on the XXXX of XXXX and XXXX at support said on the XXXX XX/XX/2020 '' Hello there XXXX, This will be forwarded to our Review Team for proper handling. Kindly give us 1 business day to process and once feedback is available we will get back to you. '' And still nothing has been done, they just continue to ignore my email and contact with Support. 

The Support reference number is - [ # XXXX ] : Re : #  XXXX XXXX - XXXX sale for XXXX I hope you can help me with this issue? 

Kind Regards, XXXX
Consumer complaint received 2020-05-26
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. (AR)

I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove. XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$40000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX  XXXX {$840.00} XXXX   XXXX {$0.00} XXXX  XXXX {$3500.00} XXXX XXXX {$6700.00} XXXX  XXXX {$2600.00}
Consumer complaint received 2020-05-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown accounts from my report as soon as possible. XXXX  XXXX {$12000.00} XXXX XXXXXXXX {$1400.00} XXXX XXXXXXXX {$10000.00} XXXX XXXXXXXX {$470.00}
Consumer complaint received 2020-05-25
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. (TX)

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute DEPT OF EDUCATION/XXXXDispute XXXX XXXX XXXXDispute