davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (LA)

This company called Sequiem keeps calling over and over and I do not have any unpaid bills. I have never made a late payment to anyone, but I still checked my credit report to confirm. I have blocked their number, but they just call me from another one. I do not answer the phone, but it is very frustrating. 
XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX & XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX   XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX  XX/XX/XXXX XXXX XXXX  & XXXX XXXX There are more dates and times if I need to send more
Consumer complaint received 2019-10-21
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-21
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: EQUIFAX, INC. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (IA)

XXXX dollar ongoing charges for car washes that i did not authorize for a total of XXXX. I never enlisted in the XXXX XXXX car wash program.
Consumer complaint received 2019-10-21
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CNG FINANCIAL CORPORATION (MI)

On XXXX, I went to Check-n-Go XXXX XXXX XXXX, XXXX, MI XXXX XXXX to get payday loan. After approval and all paperwork done, I was informed they had no cash and I had to receive my loan in their check or by XXXX prepaid card. Since a check is held for days at most banks and XXXX cards have transaction fees, I declined. Is this legal-for them to pay out this way? Thank you.
Consumer complaint received 2019-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY (NC)

I purchased a used car from dealership with my own financing on XX/XX/19. Dealership cashed 2 different loans for the same car, resulting in my debt to income ratio been higher and showing multiple loans. Original purchase was {$25000.00} and dealership accepted twice the amount.
Consumer complaint received 2024-10-05
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

CAPITOL ONE, XXXX, XXXX, CAPITOL ONE have not provided validation information under 12 CFR 1006-34 ( b ) ( 5 ), but yet they placed an inquiry in my consumer report. I have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ) Consumer agency is violating my consumer right by using false misleading, misrepresentation and deceptive means. This Consumer agency has no authority to furnish any account to any consumer reporting agencies without providing any and all disclosures required by law, and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Consumer complaint received 2023-11-23
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. (IL)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maury Cobb, Attorney at Law, LLC (TX)

I received a mail from Maury Cobb Attorney At Law LLC on XXXX XX/XX/2019. It was regarding a debt that I never had with the XXXX service. Most importantly, they had my contact information including my last 4 digits of my SSN. They were sending me mails very often that I was kinda having privacy harrassed.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIBANK, N.A. (TX)

I have Citi Bank Checking account with check writing facility. The bank send me the check book, but they did not send me check activation form. I have contacted them 4-5 times ( phone & online banking chat ) but no solution. They keep frustrating and i can't do high amount transfer, especially when they have no branch in Texas. They also don't give me anyway to escalate it!
Consumer complaint received 2019-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

INQUIRIES XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2019-10-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Scott Fetzer Financial Group Inc. (WA)

My complaint against UCFS is they are refusing to freeze loans or offer loan forgiveness to people who are invloved in the case study for the XXXX XXXX dispensers. This lender does not consider consumer rights. UCFS did not do their due diligence in determining that these dispensers are extremely unstable, or tested properly and do not last the life of the loan. Filters are required which were never stated to be required causing health hazards ( mold poisoning ). They are not available nor mentioned in the manual. The product is falsely advertised to produce 5-9ppm hydrogen for the Elite X machine, when in fact in produces only 2pm h2. I question whether UCFS knew that one of the of the owners of XXXX has fraud charges pending against him in another business. These machines are nothing more than malfunctioning water coolers and they were never tested properly in the US. There is no recourse from XXXX. An article from XXXX describing XXXX 's ponzi scam case study of these H2 machines explain that participants are not being compensated for the loan payments due every month to UCFS. Knowing that XXXX is under investigation and ripping people off UCFS is not answering our complaints. Other loan institutions are forgiving these loans but UCFS wont answer to this matter. Its been going on since XX/XX/XXXX.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX, a national disaster FEMA XXXX negatively affected my business XXXX XXXX XXXX XXXX XXXX I own and operated remotely from Florida . The negative impact my finances. 

I read from HUD website I could get relief and on XX/XX/XXXX I began application for a forbearance. The process finished and I got approved for 3 months plan. 

On XX/XX/XXXX I called back explaining my Fiancial situation improved and I was ready to make payments starting XX/XX/XXXX. The mortgage representative assured me over the phone that the payments could be deferred toward the end of the loan. I asked I was required to make a payment. I was told it wasnt needed. 

I was also not told about any negative credit marks and XXXX XXXX XXXX  Was made aware that Becuse of a disaster I would qualify for a defaral without negative credit impact, however the mortgage agent misled me and later a 90 day late negative mark hit my credit. I tried to dispute with the mortgage company and credit bureau without success.
Consumer complaint received 2023-07-21
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

I contacted my mortgage company about my PMI insurance and was told to submit a request to take it off. I did that then received a letter stating that the balance was not at 30 % of what I owed so they would not take it off but if I would send some money, {$150.00}, they would consider it. I did not do that cause I'm under 30 % and they are still charging me. They claim to have an appraisal but claimed to not be able to find it. I want the PMI off of my loan. When we did the refinance in 2014, I was told it would drop automatically but never and that's why I called them. I feel like it should have already come off. What can I do, I don't feel like I should have to pay to try to remove it. Thank you.
Consumer complaint received 2019-10-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (VA)

XX/XX/2019 a letter from Nissan Corporation was sent to me for a past due balance of {$820.00}. I called them on XX/XX/2019 and an agent told me to pay {$150.00} to stop repossession, so I did that day. The following week of XX/XX/2019 I made a payment of {$650.00} towards the past due balance. Then another payment of {$420.00}, in which they told me I was caught up on my payments. Then on XX/XX/2019, made a payment of {$400.00} to try to keep my account current. The only payments I've missed were XXXX and XX/XX/2019. And were making partial payments due to employment issues. Now they're saying that I'm {$2000.00} behind once again! I've written to the FTC and to corporate about this problem. Lately they've been threatening to repossess the vehicle and harassing me through email for monies so called owed. All this after I've written a letter to them clearly asking them to stop harassing me.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

Accounts : XXXX, XXXX I am filing a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ), EXPERIAN, XXXX, XXXX for inaccurate reporting of a charged-off debt, violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the Consumer Financial Protection Act ( CFPA ), the Privacy Act of 1974, and the Gramm-Leach-Bliley Act ( GLBA ). XXXX XXXX XXXX XXXX XXXX ( XXXX ) has reported a charged-off debt to EXPERIAN, XXXX, and XXXX on my credit report. This is in violation of the FDCPA, which states that when an account is more than 180 days past due, it must generally be charged off. Despite being charged off, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has failed to provide me with a 1099-C form, as required by IRS code 4681. XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the FCRA ( 15 US. .Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) by reporting inaccurate information to the credit bureaus. Specifically, they have reported the charged-off debt without having reasonable cause to believe that the information is accurate. 

XXXX XXXX XXXX XXXX XXXX ( XXXX ) actions also violate the Consumer Financial Protection Act ( CFPA ) - 12 CFR 31.3 and the CFPA 's prohibition against unfair, deceptive, or abusive acts or practices. By continuing to report the charged-off account as a debt, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX engaging in deceptive conduct that harms consumers ( Me ). Furthermore, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated my rights under the Privacy Act of 1974. The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies. A system of records is a group of records under the control of an agency from which information is retrieved by the name of the individual or by some identifier assigned to the individual. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. XXXX XXXX XXXX XXXX XXXX ( XXXX ) improperly disclosed my personal information to credit reporting agencies, specifically EXPERIAN, XXXX, and XXXX without my permission. Additionally, XXXX XXXX XXXX XXXX XXXX ( XXXX ) has violated the GLBA ( 15 U.S.C. 6802, also known as section 502 ( b ) of the Gramm-Leach-Bliley Act ) by failing to provide me with a clear and conspicuous notice of their intent to share my nonpublic personal information with nonaffiliated third parties, such as EXPERIAN, XXXX, and XXXX XXXX This coincides with 16 CFR 313.7 ( Form of opt out notice to consumers ; opt out methods ) 16 CFR 313.10 ( Limits on disclosure of non-public personal information to nonaffiliated third parties ) and 248.124 ( Reasonable opportunity to opt out ).
Consumer complaint received 2019-10-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TX)

Hello, I purchased three items of jewelry from Zales Outlet to be delivered to the Zales store located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX in XXXX. These items were charged to the credit account opened through the store and managed by Comenity Capital Bank XXXX XXXX XXXX, XXXX XXXX, TX XXXX. However the items were misplaced by the local store & not delivered to me. After two visits, the items were located & I finally received the items XX/XX/2019. 

Despite repeated discussions with Comenity Capital Bank prior to receiving the ordered products, they would not enter a disputed claim. The bank states they have no way to dispute the charges or confirm delivery with their related service for Zales & will not remove the charges or eliminate fees for the period when Zales did not deliver product or services. 

When speaking with XXXX & XXXX in Customer Care, I was told they will not dispute the charges and would only waive a {$39.00} late fee instead of resolving the issues. They would continue to try to collect late fees & interest for items not received instead of opening a dispute of the charges.
Consumer complaint received 2019-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-10-21
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TN)

This Debt was with NCC, Where it was resolved and moved from My credit report, with the help of XXXX XXXX XXXX.It has been moved to another Credit Angecy which is Transward System. This Debt has been solved, So why was it moved to another Angecy and back on My Credit Report? It needs to be Removed Again. Thank You.
Consumer complaint received 2019-10-21
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. (AL)

Between the dates of XX/XX/XXXX-XX/XX/XXXX, I have filed and sent several letters to the credit reporting agencies of fraud accounts. I have submitted copies of police reports and identity theft affidavits. The fraudulent accounts are ( 3 ) XXXX XXXX  accounts, 2 XXXX  XXXX accounts opened XX/XX/XXXXwith balance of {$900.00} and account opened XX/XX/XXXX with balance of {$460.00}, Account with XXXX XXXX, and account with XXXX XXXX. I recently filed complaints with all said companies for reporting inaccurate information. However Experian and XXXX both are still reporting these accounts after several communications with them that I never opened any of these accounts.
Consumer complaint received 2019-10-21
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERICAN ADVISORS GROUP (MD)

I am a former employee of the XXXX XXXX XXXX XXXX, after an on the job injury that was no fault of my own in XXXX I was forced to retire in XXXX from a XXXX XXXX injury! I do get retirement XXXX and S.S.D.I. I am really struggling financially and I was trying to get a reverse mortgage but I was denied because I am XXXX years old. I feel like their should should be an exception to the rule when it comes to people was XXXX! If I cant get help I feel like my only option is bankruptcy, I have tried to refinance & take a loan to pay off other debt but constantly get denied. And I have good credit, and I just dont know what to do now?
Consumer complaint received 2019-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I took out loan XXXX with Citizens One bank for an XXXX in XX/XX/XXXX and it was fully paid off. 

When I tried to take out a loan in XX/XX/XXXX I was told I was delinquent and was denied. 

I made a compliant and new bills started arriving regularly telling me I owed a lot of money. 

I called back. It turns out either XXXX or Citizens One hasnt paid back or been reimbursed {$180.00} from the original loan so it was never closed. It isnt clear if this is *my* {$180.00} or if it comes from the equipment I upgraded or where it belongs. No one knows anything. 

A repeat compliant was opened XX/XX/XXXX and now even more bills are arriving telling me Im in arrears for a fully discharged XX/XX/XXXX loan and I cant get new loans. 

Citizens One said the bills are automatic. They cant be stopped. Someone is looking into it. But nothing is happening and I want my credit repaired and I want my {$180.00} with interest if its mine. I want an apology. 

This morning I spoke to XXXX and asked for a supervisor, I was forwarded to XXXX. It has taken many hours to straighten out and its still not corrected. 

They deserve an investigation.
Consumer complaint received 2019-10-21
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. (MD)

When coming to Navient about other repayment options because of having financial hardships, I have always been directed towards forbearance. There has never been any income based repayment option offered. So I have chosen forbearance twice now as it is the only option that has been presented as a way of " help '' during this time of financial difficulty.
Consumer complaint received 2019-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (IA)

Specialized loan services also known as SLS, I have set up automatic deduction from my checking account to pay them each month. This fall XX/XX/XXXX, is escrow review and new payment schedule. All good there, they deduct at the old amount and then they changed it to the door about and I was okay with that. However, they say they did not get their payment when I did in fact come out of my account to do escrow payment about for the month and to get to do for that to continue on out from here. The bank themselves even emailed the company and facts three types but this has been paid. They say they don't get payment. I called myself I get the same runaround XXXX I don't know what else to do send here to you Maybe my checking balance sheet would you like me to send it here? SLS mortgage has this but they say they don't it's been emailed six times now