davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/2015 with a balance of {$1100.00} -This is not my account.
Consumer complaint received 2015-11-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Global Recovery Group (MO)

Received a call from " Global '' in XXXX, AZ. Phone number is XXXX. They advised that someone would be coming to my house with the Sheriff in order to get this matter handled. I had my son-in-law call them and Global refused to provide any fax number, email address, or address where we could provide written correspondence for litigation against this company.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Earlier this year, I opened a 10 % Cashback credit card with Citizens Bank. I tried to set up autopay immediately, but because the current statement balance was XXXX, the system wouldn't allow me to do that. As a result, I forgot to set up autopay later on and was late by one day for the payment due. The payment due was on XX/XX/XXXX, which is a public holiday. I paid the full outstanding statement balance on XX/XX/XXXX by phone. Nevertheless, Citizens Bank charged me almost {$200.00} in interest for a payment missed by just a few hours! They agreed to cut the interest charge in half, but still charged me almost {$97.00} in interest for no apparent reason whatsoever. Now, they keep charging me interest, even though I set up Autopay and have been paying statement balances in time automatically ever since! I found another {$110.00} in interest charges on my statement earlier this month. Please help resolve this.
Consumer complaint received 2021-05-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc. (FL)

Contacted XXXX to figure out a way to settle previous debt of {$200.00}, talked with executive office whom told me they have a collection agency they use. The collection agency bill total amount is actually more the reported amount.
Consumer complaint received 2021-05-28
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. (CT)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed
Consumer complaint received 2021-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 change. I ask that the items be deleted to correct my credit report. I reported the theft of y identity to the federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please Delete the items as soon as possible.
Consumer complaint received 2016-11-21
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Selip & Stylianou, LLP (NY)

well I had a judgement placed against me XXXX 2016 for {$6100.00} .this includes no interests as stated in jdgement. XXXX I noticed I 've made 9 payments total {$1100.00} im looking and they still have my balance at XXXX after payment I made today XXXX/XXXX/2016, but my balance based on judgment should be {$5000.00} after my 9 payments difference of {$410.00} I called the law office of selip & Stylianou llp in XXXX ny. XXXX my account representative at ext XXXX says the difference is from interests im being charged he sys per NY state 9 % {$1.00} a day???? that 's crazy how can they charge interests on a judgment that did n't include interests??? Basically making payments im being unfairly robbed cause the account will never be paid off if they are charging me interest per day this is crazy and unfair s there something I can do???
Consumer complaint received 2021-05-29
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8300.00}, {$14000.00}, {$0.00}, {$15000.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNTS 3. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- COLLECTION ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2023-09-20
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TN)

I writing because of IQDATA INTERNATIONAL, unfair practices. 
They are charging me interest every month. They have added on over XXXX to the debt The Original contract does not state where interest can be added. 

I want the amount back to the original amount. 
I am on XXXX and making the amount bigger every month is insane Thanks XXXX XXXX
Consumer complaint received 2017-05-05
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

On or about     X/XX/2016    , I calle d PennyMac Loan Service, r egarding my statement, it showed I had a Credit Balance, ( This was for   XX/X/16  Pay ment ) After being on Hold fo r 15  minutes, she said NO on    XX/XX/XXXX    Payment and just mak e  XX/X/16  p ayment. I said are you sure, she said  YES.      So I mad e  XX/X/16  on time, NOW after 6 months I get a letter in the mail stating I am Delinquent. WHY?      I have had  XXXX  loans with  PennyMac, N EVER had any issues until now.     I am on  XXXX  and I can not afford to make  2 p ayments, I only get {$1200.00} from  XXXX .
Consumer complaint received 2021-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NC)

I had student loan debt. My tax returns were offset and when I retired the payments were garnished from my retirement payments and sent to the treasury department for disbursement for loans. In late XXXX I received a payoff letter. currently I have delinquent loans on my credit report however as of today XX/XX/XXXX those loans are listed with XXXX as having {$0.00} balance. Navient is stating I owe for a loan that XXXX is reporting has {$0.00} balance. Talking to a representative of Navient I was told that the loan was probably transferred to XXXX. If so. why is Navient still reporting on the same loan for the same exact loan type and disbursement date that XXXX is reporting with no balance as of today. Im confused and my credit is bad. The loans are Group ID, XXXX XXXX and XXXX
Consumer complaint received 2020-03-07
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. (TN)

I went to help my son get a car so he can have for college and I was approved but with a little higher interest rate than expected. I try to watch my credit as much as possible and I saw an account from XXXX XXXX  and alot of inquiries I know nothing about. Please remove this from my credit 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.Im doing this on my own and has contacted the FTC and my police here.
Consumer complaint received 2023-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

I have contacted These companies to try and dispute these charges. That were done falsely in my name. And through these actions. My accounts were reported through debt collectors, despite Me. Going through the proper channels and explaining. Explaining that this was identity theft.
Consumer complaint received 2017-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (AZ)

I have filed for   XXXX   and am suppose to send information in each year. I mailed information and have faxed information several time On  XX/XX/XXXX  I received an email stating I need to make a payment.
I was told on  XX/XX/XXXX  that Nelnet had received all my income verification When I calledn today XX/XX/XXXX  they stated that they had received the information. I mailed them a copy on the XX/XX/XXXX and faxed the information as well.
What did they do with my information.Please help I made {$5300.00} working for   XXXX   XXXX   from  XX/XX/XXXX  to  XX/XX/XXXX    XXXX     XXXX   That was my income for  XX/XX/XXXX  to XX/XX/XXXX . I am mailing them the copies again and addressing them to  XXXX  of whom i spoke with today at  XXXX
Consumer complaint received 2021-05-28
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: American Credit Acceptance, LLC (TX)

This is a formal complaint against XXXX XXXX  XXXX XXXX located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, XXXX XXXX  XXXX XXXX has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Consumer complaint received 2022-12-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I am a XXXX  at the XXXX XXXX XXXX XXXX XXXX and I got a job offer from the school email about doing a research for a professor and they said checks for me to deposit it and used the money to buy gifts cards and after everything the checks bounced and I didnt get my money back.
Consumer complaint received 2015-10-05
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northeast Collection Bureau (MI)

This agency continues to call even after I have explained XXXX times - XXXX messages and XXXX direct connection - that this number no longer belongs to the person they are seeking. My phone service identifies the number as Northwestern Debt Collectors. XXXX
Consumer complaint received 2022-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX, has violated my Rights 15 U.S.C 1681 section 602 A. States I have 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
Consumer complaint received 2021-05-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Its a two part problem but both involve mismanagement of monthly payments First, I received an annual escrow shortage bill in XXXX, I opted to pay the shortage to keep my payment low well the person who took my payment over the phone placed the whole sun in escrow thereby increasing my monthly payments, remember I did this Over the phone so that the payment would be applied to keep monthly low. 
Second I made the mistake of making payments before my due date, well the system or a person, unauthorized by me place my payments in principle only Column. And then preceding to short my account for 2 months. I was reported to credit agency and HUD for counseling.I called and some payment were fixed but Im still missing a month! Ive called multiple times, theyve lied to me, delayed by telling me it would be fixed next week and nothing has changed Ive written and called multiple times, Ive also asked for an audit to no avail .I dont know what else to do and I dont want to keep calling being a giant waste of time. freedom Mortage is the company
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: SYNCHRONY FINANCIAL (TX)

Under CFPB case  XXXX , Synchrony Bank informed me that they would initiate an identity theft fraud investigation and informed me of the results after 60 days. The 60 days has passed, and I have yet to receive the findings of the investigation. I have provided Synchrony Bank a copy of a police report filed with the   XXXX   Texas police department and a identity theft report from the Federal Trade Commission. Synchrony Bank informed me of the fraud investigation on  XXXX   XXXX , 2017. I provide them the police report and identity theft report via certified mail (  XXXX  ) which was received by Synchrony Bank on  XXXX   XXXX , 2017.
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC (WA)

I signed up for XXXX XXXX XXXX XXXX  to include, cable, internet and mobile. At onset, the XXXX agent I communicated to did offer a bunch of discounts and stated these discounts were good for XXXX years. Additionally, I was informed they had no deals on wireless phones so the phone I had from XXXX that was malfunctioning due to how old the phone was ( over 7 years ) would have to do. Well, most if not all the other carriers offered a free phone or an upgrade discount well not XXXX. My cable services included basic channels and XXXX. My services cost was as follows mobile XXXX XXXX and the change would fluctuate on every bill, and for cable and Internet {$100.00} {$120.00} as it also fluctuated greatly. Then as time went on cable services went up to {$180.00} and kept climbing as well as mobile. Things only got worse from there as the Internet speeds were never fast or moderately slow. The Internet was always going down for long periods of time and getting a credit as XXXX advertises during a service outage is foolishness. I XXXX and had to explain to my company why our meetings were always being interrupted. Well, this didnt stop XXXX from trying to sell me faster Internet speeds. XXXX Internet speeds never mount up to what they are advertising as my Internet speeds seemed like dial up. The service outages also effected the cable as all of it went offline. I would always try and call and would talk to someone XXXX  or an extremely rude customer service disgruntled worker that at times yell and cut a person off from talking. Only after I waited on hold for up to or over an hour. When I moved, I was assured everything would be easy as XXXX promotes a smooth transition when moving. I didnt want to keep cable services as I was moving to a different city with cable services already started and paid for. XXXX threatened me and stated my mobile bill would go up and why couldnt I just add more services, they would not take no for an answer. Additionally, XXXX could not explain why my last bill tripled since I joined. Their half-baked answer was basically you are no longer a new customer, and we no longer need to entice or promise you anything further. The broadcast fee was also an issue as I asked about it many times and I was always told this fee was mandatory and I could do nothing to lower it. Additionally, the cancellation notice I sent states XX/XX/2024. However, on XX/XX/2024 services hadn't been cancelled as I was informed they would be as the line was tested, Lastly, XXXX refused to update my address because I didn't want to keep cable and Internet services after I moved.
Consumer complaint received 2021-05-28
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION (MD)

A Navy Federal rep responded to my previous complaint saying that as long as I was in the field of membership I could apply well I have tried on several occasions since that reply and have not had any success. When you call they give you the run around and this is so frustrating.
Consumer complaint received 2023-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (OH)

I worked with XXXX XXXX as well as resided at the property as a leasing agent they have since then sold the property. As a result of my evition I was also XXXX. Now on my credit report I have an eviction and being fired from this job.So when my background check is done this disqualified me for employment in the leasing industry But XXXX has long since sold the property but my credit has permanently been damaged by this.
Consumer complaint received 2021-05-28
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. (SC)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

I demand that these accounts be deleted immediately or I will file litigation.