davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-04
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. (MI)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-01-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (TX)

On XX/XX/ I submitted a debt validation letter via mail to AssetCare , LLC, seeking clarification and verification of a debt they claim I owe. Regrettably, AssetCare , LLC has not provided a response within the legally required 30-day timeframe. 

Moreover, despite the absence of validation, AssetCare , LLC has persisted in their collection attempts by reporting this debt to credit bureaus. This ongoing action has negatively impacted my credit score and financial standing. 

I believe AssetCare , LLC 's actions are in clear violation of the Fair Debt Collection Practices Act, specifically failing to validate the debt within the statutory period and continuing collection activities during this time.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (KY)

I was notified yesterday that I had multiple deroogatory payments with this comapny and it destroyed my credit. I have been on autopay for over a year with the original company Byte and since being switched to Westlake I have never gotten a notification about a late payment. I told them If a payment was missing, I would pay it but I need the derogatory accounts to be removed becauyse they had two of my payment methods on file which were supposed to be automatically charged. I had sufficient funds in both accounts during this period so the issue lies with Westlake and not me. 

This was on autopay yet I have gotten four 30 days late and one 60 days late frfom them on my sttement without any prior warning or notice.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2018-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (CA)

Synchrony Bank did not correctly enter my check information and subsequently reported me as 30 days late to the credit bureaus. I tried correcting the information, but Synchrony Bank refused to help me.

It is unfortunate, but Synchrony Banks Customer Service representatives are in Third World countries and their English is often very poor. Due to that problem, they often they are unable to understand the information given and make mistakes. While Sunchrony Bank may be saving money by using offshore representative, I am the one who is paying the price for their errors. Since the Customer Service representative got my check payment information wrong, the payment was subsequently rejected and now my otherwise perfect credit is showing one 30 day late payment.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE (NC)

The credit card company is barclay and their website is https : //www.barclaycardus.com/ The problem is they disengaged the automatic pay feature on my account without notifying me that it was disengaged. When my payment was past due the lowered my available credit which caused my credit score to drop XXXX points. 

I called the company to advise them they disengaged my automatic pay. This conversation took place on or around XX/XX/year> I would like to have have the company reinstate my previous credit line to restore my credit to the same score it was prior to them lowering my credit limit.
Consumer complaint received 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services (FL)

My issue is very straightforward as is the solution I desire. On XX/XX/2023, I payed {$2700.00} for the first of my two direct subsidized loans to Edfinancial. On XX/XX/XXXX, both of my two loans got reduced to {$270.00} because I XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I payed the {$270.00} for the second loan, and my first loan showed a balance of - {$2400.00} ( signaling a refund ). On XX/XX/XXXX, my account officially reflected a refund of {$2400.00}, and my account balance went to {$0.00}. I have received no refund check/direct deposit yet. Since that date in XXXX, I have called 5-6 times, speaking with a different representative each time, seeking for information regarding the status of my refund. I have received no such information other than inconsistent timeline suggestions ( 4-6 weeks, 60-90 days, 25 business days, 35 business days, and we can not provide that information ). I have asked to speak to a supervisor TWICE, and both times they have told me to wait 24-48 business hours for a call back. Both times I have not been called back.
Consumer complaint received 2024-01-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (MD)

I opened a new checking account with Citibank on XX/XX/XXXX. With the application, I was asked to provide my username and password since I have a Citi credit card. I did. I funded the account and the money has successfully been withdrawn from my external account. I do not have any access to this account. They have not provided me an account number. I do have the last 4 digits. They have provided no virtual access. They have not provided any information to view or obtain access to my funds which have been withdrawn from my banking account. I contacted Citi on XXXX thinking it was just an error. I was advised by XXXX ( Employee XXXX ), a Citi Supervisor that I do not/willnot have any access to the account or funds until the debit card is received next week. This seems illegal. There is no way I am able to monitor account activity or even fraudulent activity. I have no access to view, withdraw or deposit in to this account.
Consumer complaint received 2018-05-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

The loan servicer Bayview failed to prove that an alleged corp advance balance was left from the previous servicer XXXX of {$1300.00}, in addition according to loan terms these charges are not payable together with monthly payments, but at any time. Furthermore, Bayview has not rights to collect any monies from this loan. As Bayview stated in its response from my former complaint indicating that he is collecting in behalf of a XXXX XXXX that supposedly is the lender/creditor, but the mbs trust was dissolved on XX/XX/2008 and the investors were several times paid. Bayview is not the original lender neither the servicer to a loan that doesn't exist. Bayview as XXXX XXXX XXXX and XXXX XXXX have been and still are illegally collecting payments from a loan that they do not own. Bayview has not responded to my QWR and XXXX   XXXX XXXX has sent me a false fabricated mortgage note with robo signing which I'm sure also Bayview is planing to use if they finally respond to my QWR. As they did with the fabricated bills of the former so called servicer XXXX who also collected and charged a lot of money from us by playing tricks like XXXX  XXXX XXXX of stopping drafting the payments from my bank and then, charging us a lot of money in fees. Bayview had the auducity in sending today a bill of the illegal monthly payment and the so call corp advancement from XXXX calling it as, '' past due '' and payable next month as a total of {$2000.00}. I'm fed up with these people committing fraud by taking advantage of responsible elderly people.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc. (KY)

" I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (KS)

I had a loan with One main Financial during the time-frame listed in their most recent lawsuit. I was urged to purchase additional add on products that were then added to the cost of loan. I recently found out they have been found guilty for the same actions that they ascribed to me. I had several loans at the time with similar issues on all of them
Consumer complaint received 2024-01-26
Product: Credit 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. (MA)

I have been trying to resolve a matter with Citibank Visa, since XX/XX/XXXX. A refund yo XXXX XXXX XXXX XXXX in the amount of {$980.00}, from Citibank was due in XXXX of XXXX. I was told by Citibank that it was done. XXXX XXXX has not received as of today, XX/XX/XXXX. I had to pay the refund in XXXX of XXXX to XXXX XXXX  I needed to renew my license and couldnt with an outstanding balance. Citibank has given me numerous transaction numbers and XXXX numbers to provide to XXXX XXXX to prove they refunded the money. They have all proved to be bogus numbers. I have spent countless hours on the phone with Citibank in the last 7 months. I have spoke with the recovery team supervisors many times, only told it was being reviewed to find out why XXXX XXXX hasnt received the refund. I have been promised phone calls with updates. No one ever calls. The last supervisor I spoke to on XX/XX/XXXX, told me I would receive an update on XX/XX/XXXX and XX/XX/XXXX. at the latest. I had to call today because no one called me back. She told me she was unexpectedly out of the office. She was sending another email to XXXX, the supervisor team member handling my case. When asked when I would receive an update, she told me XXXX was out of the office and didnt know when she would return. 
Citibank isnt disputing a refund is due. They are saying it was sent and they dont know why XXXX XXXX  hasnt received it. They will not let me speak to review team or give me an email to contact XXXX, investigating my claim. 
So 7 months later, I am still out {$980.00}. I am a good customer of Citibank. Always pay my bill and have excellent credit. I appreciate any help you can provide.
Consumer complaint received 2024-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

1. XXXX XXXX XXXX my loan was discharged in full. Nelnet still shows it being owed in full and they are showing me with 2 months of non-payment and interest accruing. 
Nelnet. When you email them after a week or so you get a reply stating " we're too busy to reply to your email sorry ''. Been emailing since XX/XX/XXXX. 
Have called several times starting XX/XX/XXXX, yesterday was on hold for 2 1/2 hours to speak to supervisor and they said " we see the letter and we agree your loan is discharged but another department updates the balance due and we're having issues right now making that work '' ( keep in mind it's been since XX/XX/2023 ). I asked the supervisor if it was going to be weeks or years until it's resolved and she said " she has no idea ''. She said she would personally take it on and look into this specific case and see if she could fix it and would call me back today... .that was XXXX days ago. 
2. Studentaid.gov - supposed to be the safety for issues like the one above with Nelnet. They are actually worse, Nelnet will answer the phone after an hour or two, Studentaid.gov number just hangs up on you saying " we're super busy, try again anotehr time ' ... and that has been the response for months now. When you fill out the compliant form on Studendaid.gov you get an email response with a case number and the statement " you will recieve a reply typically within 15 days ' ... .the case I filed in XX/XX/2023 was just closed with no response or reply at all. Same when I thought it was a glitch and filed again in XXXX ... .they just delete them to get the numbers down and don't actually do anything. 
So here I'm stuck with a loan servicer that can't reconcile my loan balance after almost 3 months, a supervisor that lied about a callback and solution, multiple multiple hours on hold ... .late payments going to show up on my credit report and the government safety net Studentaid.gov is complicit.
Consumer complaint received 2024-04-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to formally dispute a collection account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i ( a ) ( 1 ), I am entitled to have any inaccuracies corrected promptly. The collection account in question appears on my credit report under the following details : Creditor Name : XXXX XXXX Amount : {$5900.00} I am disputing this collection account for the following reasons : Inaccurate Reporting : The information regarding this collection account is inaccurate. I have never had any dealings with the aforementioned creditor, nor have I incurred any debt with them. Therefore, the listing of this collection account on my credit report is erroneous and damaging to my creditworthiness. 
Lack of Verification : The collection agency has failed to provide sufficient verification of the debt as required by 15 U.S.C 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I have not received any communication or documentation from the collection agency validating the debt in question. Failure to Provide Notice : I have not received any written notice from the creditor or collection agency regarding this alleged debt, as mandated by 15 U.S.C 1692g ( a ) of the FDCPA. The absence of such notice violates my rights under federal law.

I hereby request that you conduct a thorough investigation into this matter, as per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), and remove the disputed collection account from my credit report if found to be inaccurate or unverifiable. Please provide me with a written response detailing the results of your investigation, as well as any actions taken to rectify the inaccuracies on my credit report. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made, in accordance with 15 U.S.C 1681i ( a ) ( 2 ) ( A ). Thank you for your prompt attention to this matter. I expect a timely resolution in compliance with federal law.
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ND)

On XX/XX/, I was notified via an XXXX credit alert that a credit card had been opened in my name. I called the credit card company ( Bank of America ) and they cancelled the credit card. I was told that the account was opened with my social security number and email. At the same time, I have been signed up for email notifications from the following : U.S. Department of Labor ( XXXX ), Library of Congress ( XXXX ), Securities and Exchange ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Health ( XXXX )
Consumer complaint received 2024-01-19
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OR)

I received via e-mail a pre-approved credit card offer from Chase Bank NA. The offer included 9 different card choises all pre-approved. I called Chase Bank on XX/XX/XXXX to inquire if the pre-approaval process required obtaining a credit report. The supervisor i spoke with said " the offers are NOT pre-approved and would require obtaining a hard pull credit reoprt. 

I am a retired XXXX XXXXXXXX and well versed in the credit decision making process. A creditor has the right access the credit risk of a consumer before issuing a credit card. In this case however the promotion does not state pre-approval is subject to hard pull credit file which could negatively affect a consumer 's credit score. Therefore the term PRE-APPROVED is misleading and either say offer subject to credit approval or they should use the term PRE-SELECTED which has a different translation. 

Banks offering credit card promotions such as the offers presented to me incdicate they already use previous history and prior to the offer obtained a soft pull creditl report. The attachments all Pre-Approved. 

XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2016 Balance : {$700.00} Credit Reporting Agencies are illegally and inaccurately reporting these accounts on my consumer reports. They are negatively affecting my financial and personal life. I need Equifax, XXXX, and XXXX to remove these accounts from my consumer report and correct my score according to the corrections made.
Consumer complaint received 2020-09-06
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aargon Agency, Inc. (KY)

Argon agency out of Nevada has been harassing me for years. I've told them that I dispute the debt and to stop contacting me repeatedly, but they have called 5 times this week. I have also read that even if you settle the debt with this company that they do not remove it from your credit report.
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX and Equifax to reinvestigate these accounts : XXXX FORMERLY XXXX : # XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Consumer complaint received 2024-01-19
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: EQUIFAX, INC. (PA)

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. XXXX XXXX  XX/XX/2024 Please remove the following address from my report : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Consumer complaint received 2023-03-17
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. (IL)

to whom it may concern, i recently sent out letters in regards to inaccuracies on my credit report and yet to receive any indication that an investigation has been open or is being investigated. please see attached letters and consider this my initial dispute.
Consumer complaint received 2023-12-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (CA)

discover # XXXX and XXXX progress is violating my right by posting acct on my credit report i didnt get also they denied me in posted it on my credit report i ask for them to remove it and they posted another account on my XXXX acct as paid but never done business with them because the XXXX the acct under 15 US 1681 ( E ) ( B ) they have to have wriiten consent to post the acct i ask for them to deleted in its falsely post on my acct as paid but never did business with them. 15 US 1681 i section 6.