davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AR)

On  XXXX   XXXX ,   XXXX  , I made a {$400.00} payment to Best Buy credit card services for a TV I had intended to purchase. I never bought the TV, and when I went to cancel the payment I set up through my bank, I missed the cutoff date by a few days and the electronic payment went out. I went to the Best Buy store in  XXXX  and they told me I would have to talk to their credit card people. Citibank handles Best Buy credit card services. I contacted Citibank at  XXXX , I believe it was in late  XXXX ,   XXXX  . They acknowledged the payment of {$400.00} and said they would look into it. I never heard from them. I contacted  Citibank  again in late  XXXX  and again, they acknowledged that I made the payment. The young lady with  Citibank  stated she would assign a case number and get back to me. Shje / Citibank never got back to me.     I mentioned to them that if they sent me a check, if it did not come as a check, I would probably have treated it as junk mail / another credit card offer and toss the envelope in the trash. The young lady I talked to did not state if they had ever sent me a check. The young lady asked me for my bank routing number and account number. I assume she wanted it for two reasons. To check if they had sent me a check and if it had cleared my bank, or to electronically pay me so I would not treat their mailing as junk mail.     I will be glad to give you more information such as my Best Buy Credit Card Account number, as well as my bank routing and account number, and a screen shot of my bak statement showing the payment I made to them for {$400.00}. My bank says they ca n't help me because a 60 day window has passed from the  XXXX  transaction date.      XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX , AR  XXXX  PH :  XXXX
Consumer complaint received 2017-03-01
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AR Resources, Inc. (AZ)

AR RESOURCES INC.has XXXX collections reporting on my XXXX and XXXX reports.XXXX has removed.they are account XXXX in the amount of {$120.00} and XXXX in the amount of $ XXXX.The original creditor is XXXX and the duplicate collection is for a single service/bill So AR RESOURCES has double billed with a single digit account difference and a XXXX dollar fee difference and is verifying false information 3 times, according to XXXX.
Consumer complaint received 2015-12-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (MI)

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from XXXX XXXX, Analyst. I had filed a complaint against Nationstar and their lack of a loan modification without reason and imminent foreclosure ( now XX/XX/XXXX ). She had also attached letters from a XXXX XXXX, from XX/XX/XXXX and XX/XX/XXXX. What surprised me was the letters from Nationstar as I have never received any correspondence from them. It stated there were XXXX modification reveiws done in XX/XX/XXXX and XX/XX/XXXX, yet I never received any information from Nationstar and no explanation as to why I have been denied. My main goal is to remain in my home and work out a modification. My address is : XXXX XXXX XXXX XXXX XXXX, Michigan XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OH)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense XXXX this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Consumer complaint received 2017-08-01
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (NV)

I requesteded a title loan on X/XX/2017. This loan was for {$350000.00} the branch general manager advice me that if I ever had a problem paying to contact her for extensiones. First payment was due on X/XX/17 i call the store to get a extension for 3 days and the manager adivce me that i has to pay {$970.00} ( regular payment XXXX month ). On X/XX/17 I call the branch to get a pay off amount they adivce me that it was {$3600.00}. i did not uderstand why it was so much i had been told it was {$3200.00}, the explain of a daily fee of {$16.00}. That same day i recivded a call from corporate TITLEMAX number was XXXXthey call me twice at XXXX XXXX and XXXX XXXX. A person by the name XXXX XXXX told me that they would settle my account if i piad it off on X/XX/2017 before XXXX in store, she advice that it would be better if i paid with my debit card, i exaplin that my daily purcahse is not more then {$100.00} daily. She said that per her supervioser XXXX XXXX the settlement was approvde to make sure i took in a cashier check to the store for the amount of {$3200.00} i ask for time off work and went to the bank got cashiers check # XXXX for {$3200.00} to pay off my account # XXXX,XXXX XXXX i go in to the branch XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nv XXXX. They told me that there is no settlement and that i had to pay a total of {$3600.00} that was {$360.00} more then what the settlment was. i call the number of corporate and talk to the XXXX XXXX XXXX at XXXX and they said that he does not know what happen but i had to pay the {$3600.00} amount per the corporate supervisore XXXX XXXX . I vvery desapointeded of the process they gave me no explanation of what happen and the keep telling me to give them cash, something that i did not do. DONT GO TO TITLE MAX please.
Consumer complaint received 2017-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY (CA)

The dispute is with Target Corp. headquartered in Minnesota. They are reporting two 30 day late payments on all three of the credit agencies. I have 3 issues with my interaction with them. 1 ) 1.5 years ago,
I sent a letter explaining what happened with those late 30 day payments. The issue originally stemmed from the fact that at the Target store in XXXX XXXX, I was told I needed to renew my card and I later found out I was issued a new separate credit card. That was not my intention and the cashier misled me, probably in order to receive some type of commission. The second issue was at the same time, Target was switching over to chip reader on my original card. At this time, I had 3 credit cards and did n't know which one actually worked or was useable. The 3rd issue was at the same time, my wife had a XXXX issue that demanded medical attention. Since she handles the bills, the payment was late but she still would not have known which bill to pay as at the time I had 3 credit cards. After sending a letter, I never received a response from Target ... ... .not even to this day. 2 ) 3 months after I initially sent a Ietter and not receiving a response from Target, I later called and spoke to someone in credit reporting. I went through all the reasons as to why it should be removed and 45 days later I received a response saying the credit reporting was correct. My dispute was not that it was incorrect but several things occurred, most of which is Target 's fault, that caused me to be late both times.
Consumer complaint received 2016-06-25
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (WV)

On XXXX XXXX 2016 at the end of the business day. I had {$2.00} in my bank account. Nothing was pending on XXXX XXXX 2016 I deposited {$80.00} period on XXXX XXXX XXXX that evening I withdrew {$20.00} two different times. There 's a {$2.00} charge per withdrawal from each provider my bank and the ATM. That is a total of {$10.00} with the XXXX that is a total of {$50.00} that took my balance from {$82.00} down to {$32.00} which is what my balance was on XXXX XXXX 2016 when I woke up. I put {$10.00} and gas taking me down to {$22.00} in my balance. I withdrew {$20.00} from a XXXX ATM which is a fee free ATM that took me down to {$2.00} balance at roughly XXXX. on XXXX XXXX the same day. I deposited another {$80.00}. On XXXX XXXX 2016 I open up my ( remembering that each of those {$80.00} deposits XXXX of them to be exact. Were deposited at XXXX separate branch locations. The first {$80.00} deposit was that the mall branch in XXXX West Virginia. The second {$80.00} deposit which was on XX/XX/2016, was at the XXXX downtown branch. ) U app by BB & T to find that they returned XXXX of the ATM fees and charge me {$36.00} so where did {$20.00} go?
Consumer complaint received 2019-07-30
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: DriveTime (FL)

I bought a car from Drive Time with payments that were very high and was paying . XXXX XXXX XXXX the back panel of car kept coming off the whole windshield wipers hoses were corroded that It could not be fixed unless I paid for it. The Air Conditioner started going this in less then a year. No one would help me so my only option was to give it back and I got a letter from them that it sold for XXXX dollar's when they wanted over 10,000 from me.
   This I want removed and I am a Senior and felt like I was taking advantage of as no one cared to help me with these problems.
 Thank You
XXXX XXXX
XXXX
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I sent multiple validation/verification letters to this company requesting proof of my signature stating that I indeed owe this debt by contract with this company. I have attempted to make contact by letter on three occasions. I have yet to get any response from this company and it has been 90 days with no communication. I have sent letters to XXXX and to XXXX that in return is stating the account is verified and nothing else, they are neglecting to correctly verify this account is truly mine. I do know according to FCRA that I should be receiving proof that I did create this debt. I never received anything from this company or any company for that matter regarding this debt. I checked my credit and that is the only reason I know of this debt.
Consumer complaint received 2017-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Titan Receivables, Inc. (CA)

I helped a friend bail out of jail and they were going to take care of their bail but never did. I did everything in my power to get the person back into custody including going to the XXXX on a free trip paid by the bail agency to get her back.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXXXXXX {$700.00} ( Experian XXXX XXXX XXXX ) I am writing to formally request the deletion of an account listed under my credit report. The account in question has been marked with eOscar dispute code 40, indicating that litigation is involved. As per the regulations and due to the ongoing legal proceedings, I am requesting that this account be removed from my credit report.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2017-06-12
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (IL)

We have been working on a short sale for this client for over 6 months. In XX/XX/XXXX we submitted an offer for the short sale review. It has taken the lender since then to issue the FHA Approval to Participate, and they issued it with a requirement for a seller cash contribution of over {$14000.00}. The borrowers simply do not have this kind of money laying around. I asked how they calculated this amount and was told they were looking at the bank account balances. When I totaled everything, the assets were closer to {$20000.00} than the {$79000.00} the lender thinks the borrower has on hand. They then calculate a percentage of this for the contribution requirement. The cash contribution should be more in the neighborhood of {$2500.00} based on current bank balances, however the lender says they based the numbers on the XX/XX/XXXX bank statements. In one account in XXXX there was a {$38000.00} deposit made. That was from the sale of a business truck when the borrowers had to close down their failing business. They owed the franchise company ( XXXX XXXX ) for inventory and {$24000.00} of that was paid out to XXXX within a couple of weeks. This payment was reflected on their XXXX bank statement which was submitted to the lender at the same time as the XXXX statement. So the lender could see from day one that this borrower did not have that money any longer. Still, they used that amount in their calculation. The borrower is facing certain foreclosure due to this because they do not have {$14000.00} to pay at closing and can not borrow it from anyone. We need the lender to recalculate the contribution amount so we can get the short sale offer approved and move to closing
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I dont know whats going on with these reporting agencies, or if they have some fraudulent stuff going on. My score on all reporting agencies is changing all day every day. They send me results the accounts is being removed ; then they put it right back on the report the next day. My accounts are suppose to be frozen. My FICO score is informing me of the changes. I took a picture yesterday, then over night I got a message changes was made. At this point Im thinking its the reporting agencies. XXXX will not allow you to look at your report unless you pay. Ive updated my information with XXXX somehow the information changed, not allowing me access my account. XXXX XXXX has incorrect information as well. They claim they get their reporting from XXXX. These agencies will make sure they keep you in poverty ; even when the proof is provided. Ive asked them on numerous occasions to remove information thats not related to me. Ive updated my ID, SSN, and provided a bank statement to Experian as proof this information is incorrect. They rejected the information. These are government IDs and SS card. My information is exposed and everyone has an opportunity to create hardship for my family and me.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-10-18
Product: Credit reporting 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. (CA)

Upon reviewed my credit report from my Files, I noticed that the report has a hard credit inquiries that I did NOT AUTHORIZED nor Recognize. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 
I have Not given permission to anyone in the institution to pull my Credit file regarding this XXXX XXXX bank.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

On XX/XX/year> I requested to Opt-Out of the accounts listed below per per 15 USC 6802b , 16 CFR 313.7a, 12 CFR 1016.7a ( 1 ) ( 2 ) and no one has responded to my request. This is a direct violation of this law. 

XXXX XXXX XXXX acct # XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2016-06-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Leviton Law Firm, Ltd. (NY)

XXXX ( dba XXXX ) gave my personal phone number without first trying to contact me or our business. When I heard from the first debt collector, I emailed her and XXXX documentation that I had paid the final bill. I never heard anything back from either of them. About 2 months later, I started getting calls from XXXX XXXX, XXXX XXXX, and several other people at Leviton Law Firm demanding immediate payment and asking for checking account information. 

I asked them for details, and they would say things like " you know what you owe '' or would just not provide anything. It did n't sound like they had much information other than my name, personal phone number, and an amount they had been told that I owe. 

I asked them for an email address or office location so that I could forward them the documentation ; they said they could not provide that. They also said " you would n't be able to do that because it does not exist ; you know you have n't paid it. '' To date, I 've received over 20 calls from them, many of them before and after work hours. I asked if I could record the call at one point and they instantly hung up. I still have not been given any opportunity to show documentation that we have paid this ( which I have readily available ). 

Furthermore, XXXX ( dba XXXX ) has also not emailed or called back.