davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (TX)

Name : XXXX XXXX Consumer XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID Type : Driver 's License ID XXXX Address : XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX TX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX ( Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX ) Account # : XXXX Routing # XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question. XXXX a victim of identity theft and I dont recognize these accounts on my report. XXXX requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-08
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (PA)

Unethical, dishonest, and unprofessional behavior On XX/XX/2024 at XXXX pm I was trying to make a purchase online at XXXX XXXX. I decided to apply for a store card for the financing offer. I needed to make the purchase on this evening to have it delivered the next day. The application required me to call to provide " additional information ''. The representative did not need ANY information that I did not already provide online! 

I explained to him that to continue with this application I needed to be able to use the card immediately and he specifically told me that I would receive an email and be able to complete my purchase. This was absolutely untrue and he outright lied to me to have me finish the process and have the card issued! I called back at XXXX because I still hadnt received the email, this is when another agent confirmed to me he was mistaken. 

I asked her to immediately close the account and cancel everything and she said she couldnt. I would need to call back in three days to cancel. 

If he had been honest with me I could have canceled the application and used XXXX XXXX, XXXX, or another store to get my purchase delivered the next day. Now I have a hard inquiry on my credit with a new account which will drop my credit score for months. This is such unethical and dishonest behavior for a financial service provider with no thought or care to how such dishonesty can hurt those being lied to. Especially for someone who is trying to reestablish their credit in the USA after living abroad for XXXX years.
Consumer complaint received 2023-12-27
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

The debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I didn't participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the preceding two months, I've made repeated requests to TransUnion for an investigation into a particular account, and regrettably, they have failed to fulfill their responsibilities. Despite my efforts in highlighting numerous inaccuracies, their response remains a mere assertion of meeting FDCPA requirements. Consequently, I am now involving the Consumer Financial Protection Bureau ( CFPB ) to compel TransUnion to meet its obligation by conducting a thorough examination of this matter. Supporting documentation is attached to this complaint to support my claim!
Consumer complaint received 2017-07-16
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. (FL)

To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Consumer complaint received 2024-02-03
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC (NV)

I requested a loan and paid it off. Speedycash sent a receipt. 5 months later they said my bank retracted the payment. My bank told me they didn't retract any payment. I ask Speedycash to show proof via ledger or in house documentation of this retraction and I'd pay the loan but thay have refused. I've emailed over 35 times requesting information and sent bank statements yet no responses. I've also spoken with collections department and managers over 45 times since XX/XX/2022 and problem still not resolved. They refused to send me proof of retraction. They also show my loan as defaulted.
Consumer complaint received 2023-09-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (GA)

I DO NOT HAVE A CONTRACT WITH THIS DEBT COLLECTOR. 

DEBT COLLECTOR NEVER PROVIDED A CONTRACT BETWEEN ME AND THEM. 

I DO NOT VALIDATE THIS DEBT. 

DEBT WAS NEVER PROPERLY VALIDATED
Consumer complaint received 2024-02-03
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent. Transunion keep furnishing alleged transaction ( s ) on my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that Transunion identified as late / charge off-status.15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. A creditor can not treat a payment as late without complying with this section of the law! I am requesting under rule 1002 the documents that show proof that the information pursuant to section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date. Do not reply to me stating that you are furnishing accurate information because we both know you are not. Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ). If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2.
Consumer complaint received 2024-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

called citi bank Saturday XX/XX/year> several times the fraud dept was closed. Called again several time on Sunday XX/XX/year> and again XX/XX/year> again XX/XX/year> and still no explanation or resolution and i am now late paying my rent. I am a XXXX XXXX with XXXX kids and can not access any of my money. I get paid again from my job tomorrow XX/XX/year> via direct deposit and still can't access my money.
Consumer complaint received 2024-05-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (AL)

This complaint stems from an alleged debts that appears on my credit report as XXXX XXXX XXXX. See Attached. I have no contractual relations with this company and they are on notice that reporting information without my consent is punishable for defamation and trespass on person. See Attached notice.
Consumer complaint received 2024-03-04
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Stark Collection Agency, Inc. (WI)

This is a formal complaint against Stark Collection Agency for unfair and deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 807 [ False or Misleading Representations ] and 809 [ Validation of Debts ]. 
Account Details for Reference : Original Creditor : XXXX XXXX XXXX XXXX Amount Claimed by Stark Collection Agency : {$4800.00} Details of the Complaint : On XX/XX/2019, Stark Collection Agency began reporting a debt on my credit report that is already reported by the original creditor. I have never acknowledged this debt as valid. This inaccurate duplication, along with reporting a significantly higher amount ( {$4800.00} ) than originally owed, has severely damaged my credit score. 
Since XXXX, XXXX, I have disputed this debt with Stark Collection Agency. They have ignored my requests for validation and refuse to remove the inaccurate listing from my credit report. They have not provided any documentation to substantiate the inflated amount they claim I owe. 
This erroneous reporting has had a direct negative impact on my financial wellbeing. Stark Collection Agency 's actions demonstrate a blatant disregard for consumer protection laws.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FTC REPORT # XXXX ( Uplodaded ) Wow. I cant believe XXXX XXXX Equifax is allowed to get away with reporting misinformation and keeping my credit worthiness is bondage. 

XXXX is the only credit bearus who have deleted this information ( proof uploaded ) but XXXX XXXX Equifax simply ignore us. 
I have submitted proper supporting documents for my disputes and they just ignore them, like I am trash. Some needs to home this company accountable for the damage and stress they are causing consumers like myself. 

I have to XXXX accounts that have been disputed only to come back verified. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Experian is reporting and bringing my scores down on my report saying I'm now XXXX pasts due on a closed account ( XXXXXXXX XXXX ). 

Experian keeps on adding late payments to my credit report and taking points off my score from an account a creditor has long closed. How can an account closed with no access to be late or missed, that seems like a double dip... it's either closed or not. 

I've contacted them and they never help, they always keep adding fake information on my report.
Consumer complaint received 2024-05-08
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MN)

On or around XX/XX/XXXX, I applied for a XXXX credit card to make a purchase. I paid off the statement balance in late XXXX which, unbeknown to me, was late. Because the payment was late, I incurred a {$30.00} late fee. On XX/XX/XXXX, I received a text to contact ComenityXXXX about my account. I received a call the same day about the account but hung up as I thought it was a scam. Nonetheless, I checked my mail and found a statement with a {$30.00} late fee. Upon calling Comenity, I figured out I had been charged another {$41.00} late fee on top of the {$30.00} late fee, and the balance was accruing interest ( {$2.00} when I called ). The total balance was now {$63.00} and none of it was from a purchase I made with the credit card. While on the phone with Comenity, I requested a waiver for the late fees given the fact that I paid off the entire balance albeit a day late per their statement. The customer service rep XXXX offered me a {$15.00} credit which I declined, and asked to speak to a manager. The manager XXXX told me that up until two weeks ago they had the flexibility of waiving additional fees so he could only do {$15.00} today. I reiterated that my balance had been paid off since XXXX, and was happy to pay the first late fee if the rest could be waived. XXXX said that was not possible and offered the {$15.00} credit again. I declined to take it as it would not resolve the issue I was explaining. On XX/XX/XXXX, I paid the {$63.00} incurred in late fees and interest on late fees to avoid the account going to collections. As such, I believe Comenitys late fees on my account are excessive and borderline predatory given the fact that I paid my balance in full. Their excuse of a new policy to avoid waiving late fees is simply used to pass the buck leaving consumers like me without a solution. Notably, I have yet to receive a statement showing the {$41.00} late fee or interest, and was somehow supposed to know I was accruing such fees. Therefore, I request a refund of the {$63.00} which came from a {$30.00} late fee on an already paid off balance, {$41.00} late for the {$30.00} late fee, and {$2.00} in interest because the fees are excessive and I had no notice ( and still dont ) of the additional late fee and interest accruing.
Consumer complaint received 2024-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

A bankruptcy dispute was submitted on XX/XX/2024. Enclosed with the dispute was a letter from the court stating that the courts did not verify bankruptcies with the credit bureaus. This matter was not investigated nor was this account verified with the courts, despite stating the account was verified with the court on my credit report.
Consumer complaint received 2024-02-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

i have an account from XXXX ending in # XXXX that is not shown up on my consumer report ive sent in all theto the said credit reporting agency. 


THE FAIR CREDIT REPORTING ACT 623. 
responsibilities of furnisher of information to consumer reporting agencies 68 Duty of furnishers of information to provide accurate information ( 2 ) duty to correct and update information. A person who regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate
Consumer complaint received 2023-09-26
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. (NY)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-06
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. (CA)

I told Esperian via website that there are addresses on my file that dont belong to me along with a collection thats been on my file since XXXX. This delinquent account has been sold over and over again and each month and year its sold and bought the collection reappears on my credit file. I been in prison since XXXX and was released XX/XX/XXXX. There are inquiries on my report during the years I was incarcerated and up to year XXXX before the month of XXXX. XXXX also have these inquiries doing this time period on my credit file. I need help.
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TX)

On XX/XX/XXXX of XXXX. I sent a message request via the MOHELA app requesting refunds for payments made during the pandemic XX/XX/XXXX to XX/XX/XXXX under the CARES Act. The following payments were made to XXXX during the pandemic. 

XX/XX/XXXX - {$320.00} from XXXX Checking ending in XXXX XX/XX/XXXX - {$4400.00} from XXXX Checking ending in XXXX XX/XX/XXXX - {$2400.00} from XXXX Checking ending in XXXX XX/XX/XXXX - {$15000.00} from XXXX Savings ending in XXXX XX/XX/XXXX - {$14000.00} from XXXX Savings ending in XXXX XX/XX/XXXX - {$12000.00} from XXXX Savings ending in XXXX Total amount comes to {$49000.00}. These amounts were taking from my bank statements which I have copies of. 

I got a response via message on XX/XX/XXXX verifying my request, confirming that it was in process. My principal balance and interest increased within 2 weeks of the request. 

I called MOHELA on XX/XX/XXXX and was on hold for 1 hour and 49 mins until my call was dropped. I then message MOHELA via the app asking for an update. 

I never received any update via message. During the month prior to payments restarted I accumulated interest on my increased balance that I had not been paid. I enrolled in the SAVE plan but the interest that accrued prior to XXXX will be added to my balance. 

I called again on XX/XX/XXXX, a month later and was told it takes up to 3 months for Treasury to send out payments AND that they will receive a notification from the treasury when they send out the payments. That I could call them to check if that notification had been sent. So far as of today, on XX/XX/XXXX, well over past the 3 months they still have no answer. Despite adding this money back to my principal. 

On XX/XX/XXXX, I received a message from MOHELA via the app that I was noted to have called and therefore they assume my matter was handled. It was not. I called over a month after I sent the message that they never replied to, I did that because I couldn't get a hold of anyone on the phone. The gave me a non-reply over 40 days later. 

I called today ( XX/XX/XXXX ) and got the same misinformation and that it was not their problem. I requested the refund from MOHELA as I was required to do. It is their problem. I don't expect them to send me the checks, but it is their responsibility to make sure my request is being handled in a timely manner. There has been no verification if my request received by the treasury has any issues or not. 

I believe I have called MOHELA more than enough and I never get quite the same answer from them. I am owed {$49000.00} from MOHELA via the treasury. Please help me figure out how to complete this refund.