davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-02
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: EQUIFAX, INC. (MD)

I am a natural person I'm a living human being I have rights under XXXX Equifax is govern by XXXXand they violated my rights numerous of times. On XXXX XXXX XXXX reported a fraudulent account saying I owe XXXX to a company that fail to turn a service off after I discontinued the service and another company I don't even use XXXX and they reported I owe them {$760.00} and I haven't opened up an account with them
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Please remove this incorrect and is messing up my livelihood 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
Consumer complaint received 2017-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (LA)

I am a former XXXX customer that has billing issues that the company has not been able to resolve through normal channels, despite numerous ongoing attempts by me. I canceled my phone service to XXXX on XX/XX/XXXX and paid off the service account at that time. The phone ( equipment ) was paid off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX leaving me with no balance for phone service or equipment. In XX/XX/XXXX I received a bill for phone service. I tried to access the account on line but I could not because the account had been paid off and closed down. I called XXXX to find out why I was receiving a bill. I spent hours on the phone because they could only see that the account was paid off and closed down and could not understand why I received a bill. After many transfers and several hours, I finally talked to someone that said that they could see that the bill was a mistake. They assured me that the account was closed with no balance. I was told that the issue was resolved and I should ignore the bill. In XX/XX/XXXX I received another bill for phone service. I again called and spent hours on the phone trying to resolve the issue until finally someone assured me that the account was closed with no balance. I was told that the issue was resolved and I should ignore the bill. This went on month, after month, after month, after month ( at least XXXX months ). Finally I decided to take their advice and start ignoring the bills that your company can not find a way to resolve. Now my account has been sent to collections and my otherwise perfect credit is ruined. Sunrise Credit Services , Inc. XXXX XXXX XXXX, XXXX , NY XXXX, ( XXXX ) XXXX is trying to collect {$210.00} & my otherwise perfect credit is ruined.
Consumer complaint received 2023-06-01
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: EQUIFAX, INC. (OR)

This is fraudulent activity Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.
Consumer complaint received 2023-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (IL)

Today ( XX/XX/2023 ), I received a letter ( copy attached ) dated XX/XX/2023 from LL Bean Mastercard ( issued by Citibank, N.A ) about my former account ending in XXXX. 

I closed the account shortly after becoming a victim of XXXX loss/theft and identity theft over a year ago, as I have advised Citi many times. I made a police report of the phone theft shortly after it occurred ( but was not aware of the identity theft ). 

I can not attach a copy of the report. My request for it was denied because the suspect was a juvenile ( see attached copy of the denial ). 

In response to the instructions in Citis latest letter, I called Customer Service ( XXXX ) and spoke with XXXX. She advised that a charge for XXXX antivirus, which I did not order, had been removed from my account recently, per my repeated requests for a mere year. 

Next XXXX informed me that I have a balance due of {$150.00}. When I asked why, she stated it was for finance and service charges, which had accrued on the recently removed XXXX antivirus charge. XXXX acknowledged that it should have been removed along with the bogus antivirus charge and put me on hold while she consulted her supervisor. 

I waited on hold for 15 minutes ( the entire call was half an hour ). The. XXXX advised me to call the security team on Mon. XX/XX/2023 as they do not work on weekends. 

Having been tormented grotesquely for attempting to communicate with Citi for over a year, I am not calling the security team, in which I have no confidence, Monday or ever. I have no complaint about XXXX, who was perfectly nice. 

My complaint is with the dysfunctional, dystopian, autocratic, techno-bureaucratic corporate-XXXX harassment to which Citi subjects me month after month after month. I am not paying {$150.00} or any amount of finance/service charge on a disputed underlying debt, which does not really exist, as Citis removal of it confirms. 

Please require Citi to stop trying to collect these illegitimate charges from me. Thank you.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, 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. (FL)

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation. 

Proof of Method of Verification Requests were ignored by the company several times since XX/XX/2022. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2023-07-16
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (MI)

Case Number : XXXX Filed a dispute with Capital One regarding the merchant XXXX XXXX sending me SPOILED perishable items which were damaged and unusable. Capital One made me jump through several hoops to provide evidence which clearly establishes I tried to resolve issue prior to filing a dispute. 

Capital One received several documents via USPS Certified Mail, including an email directly from the merchant, stating the merchant XXXX XXXX would provide me a full refund. This alone should be a slam-dunk case. 

I have an email from the merchant promising a full refund! This letter was not good enough for Capital One. They insist I provide additional documentation showing I made the spoiled items available to the merchant for return. The merchant already agreed to provide a full refund. 

I have a letter directly from the merchant stating they would offer a full refund, which was never granted. 

Capital One is not acting in good faith to honor the consumer protection laws established by the CFPB and the dispute process. I would like my account credited in the amount of {$110.00} Why would any merchant want their spoiled products returned to them? The merchant already agreed to provide full refund, and the merchant never asked for their spoiled products returned. The merchant never honored their promise. 

I requested Capital One to escalate my case to arbitration, and they refused. I provided all documents requested. I spent hours of my time gathering emails and documentation, only to be told Capital One wants additional proof I offered to return the spoiled items. 

Meanwhile, the only thing the merchant had to provide was proof of payment, shipping, and tracking number. None of this was ever disputed. All the items arrived spoiled, yet I have no remedy from the dispute process. 

The burden of proof is on the merchant, not the consumer, to establish their items were delivered undamaged. I would like a credit to my account int he amount of {$110.00}
Consumer complaint received 2023-07-16
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: CREDIT ACCEPTANCE CORPORATION (NJ)

CREDIT ACCEPTANCE CORPORATION is prohibited from reporting late payments on a consumer credit plan for and purposes 15 USC 1666B and according to to 15 usc 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

and a consumer report does not include : report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 usc 16812 ( A ) ( i ) 15 USC 1681 Section 602 states I have the right to privac
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

I was offered a new card and I thought it would be the better than original card! So I closed old account but didnt realize I that was my longest open card XXXX XXXX and that did not transfer to the new card! 
I have called and begged and pleaded to open old card that I had 30 days to change my mind but to no avail! 
I have also tried to call the bank that issued the card but there is NO way to speak to a representative unless you have a valid card. 
Macys is the department store and Citi is the credit card
Consumer complaint received 2021-01-12
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. (NY)

I Have been an a XXXX  of XXXX XXXX for a few years now. (  XXXX XXXX ) placed a XXXX on my credit report that was from XXXX XXXX. I have contacted ( XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. 

I will also file with the CFPB and FTC! I am very disappointed! I want it removed right away.
Consumer complaint received 2017-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

On XX/XX/XXXX, my wife received a request from fedloan servicing asking her to recertify for the income-based repayment plan ( IBR ). The recertification application was due by XX/XX/XXXX. We completed the IBR recertification application and uploaded it via fedloan servicing 's online portal onXX/XX/XXXX. We received confirmation that it was received on XX/XX/XXXX.
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I followed up with a call to fedloan servicing and spoke to a customer service representative. They assured me that the application was complete and that the newly calculated payment ( that would last for a period of 12 months : XX/XX/XXXX - XX/XX/XXXX ) would begin without interruption on XX/XX/XXXX. We later received a communication re : a " hold '' on the account. Again, we called to ensure that the application had been processed correctly and that the new payment would be recalculated and applied to the XX/XX/XXXXdue date. We were once again assured that the new payment would be calculated after theXX/XX/XXXX payment ( i.e., the 12th payment of the cycle ) was applied and that the XX/XX/XXXX payment would reflect this new amount.
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However, today, on XX/XX/XXXXwe reviewed our payment due on XX/XX/XXXX and noticed that the IBR recertification application had not been processed correctly/timely, as the XX/XX/XXXX payment was reflecting as unchanged ( it should have gone down as my wife 's income decreased substantially ). I called and spoke with XXXX and XXXX. XXXX indicated that she would submit an " expedited request '' to have the payment recalculated and applied for XXXX. She said that this would be completed by Friday, XX/XX/XXXX and reflected on the XXXX  statement. I asked that it be reflected on the XXXX statement and she indicated that my wife would have to make this request. I tried to explain that this is not a new request as this should have been done in the ordinary course of things had the paperwork been processed correctly back when we submitted it in XXXX.
Consumer complaint received 2023-01-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Alorica Inc. (WA)

XXXX suddenly transferred or sold my debt owed to them to an unknown third party. That third party contacted me to attempt to collect payment on the account, for which I was behind payment on. They asked for a promise to pay, and I told them I would be making a full payment including past balance on XX/XX/2023. They said they would make a note to file. I asked if they were going to close the account before then. They said they could not provide that information. This week, they apparently closed the account. I called them on XX/XX/XXXX, the moment I found out, and their phone system said that they were having technical difficulties and hung up. I believe XXXX misled consumers and sold accounts to a malicious third party in order to avoid bankruptcy.
Consumer complaint received 2021-01-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation (NY)

Homepoint financial has not responded to my phone calls or messages for the last year over an issue with loan for a home in XXXX, CA. 

They operated with two different portals and at first said they did not have any of my information as the co borrower, for their failure to inform me of any issues regarding of late payments or the home entering foreclosure. 

We tried to remedy the issues with an explanation of why we were not informed including credit disputes but they were insisted on proceeding with foreclosing and not interested in providing on little to no information as to co borrower rights. I finally discovered Home Point had no information for the co borrower in regard for communication and had to provide them with everything all over again. Still they would not allow me to pay over their online pay system and had to make payments over XXXX XXXX. 

No communication was sent or afforded with proper time to prevent fees, hardship, negative credit reporting, and preventing future dealings after the account has been paid in full and dealing with all these issues from Homepoint financial.
Consumer complaint received 2021-01-12
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. (GA)

I Have been an a XXXX  of XXXX XXXX  for a few years now. ( XXXX XXXX ) placed a XXXX on my credit report that was from XXXX XXXX. I have contacted (  XXXX XXXX ) and ( XXXX XXXX ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will file CFPB and FTC ASAP!
Consumer complaint received 2021-01-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't authorized.
Consumer complaint received 2023-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (NJ)

the below information should not exist on my credit report XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NJ, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX NJ, XXXX XXXX ID XXXX XXXX Single family XXXX XXXX XXXX XXXX CT, XXXX Address ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX Address ID # XXXX Apartment complex
Consumer complaint received 2021-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I send XXXX XXXX a certified letter requesting validation because XXXX XXXX keep reporting inaccurate information on my credit reports with Trans Union, XXXX  and XXXX. 
I demand validation, instead XXXX XXXX sent me a letter stating it acted as validation. 

All three credit agencies keep allowing this inaccuracy. Simply not demanding the correct documents from XXXX XXXX thats allowing them to hinder my credit maliciously by reporting inaccurately that I owe XXXX
Consumer complaint received 2021-01-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Student Assistance (MS)

After looking over my credit reports. I realize that this company American Student Assistance is reporting this debt on my credit report. This debt is defaming my character, ruining my life, ruining my credit profile, they are harrassing me which is a violation according 15 USC 1692 a.b.c.d. I have attached my SSC AND ID
Consumer complaint received 2023-01-02
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: BANK OF NEW YORK MELLON CORPORATION, THE (MN)

I have a XXXX debit card through XXXX XXXX. Apparently the card is serviced by BNY Mellon Bank. While I was in XXXX, the card was used in XXXX MN to charge {$89.00} at XXXX XXXX  on XX/XX/XXXX. Just a few hours later, which was XX/XX/XXXX in XXXX, I used the card to withdraw {$350.00} at an ATM. It was impossible for me to be in both places making such a transaction. BNY Mellon denied the claim, saying it was a valid charge at XXXX XXXX. XXXX was no help, just referring me back to BNY Mellon.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (MT)

On XXXX I submitted a Reg E dispute to Chase on a transaction that I did not make on XXXX. I had visited the store in question and made a purchase, I had a receipt for that purchase that was also on my statement, but disputed a transaction from the same merchant for {$61.00}. I had only made one purchase at that merchant that day. On XXXX XXXX they sent me a copy of the receipt sent to them by the merchant, saying it was a valid transaction. It may have been valid, but the receipt did not have my name, my signature or even my card number on it. I returned it saying it was not authorized by me. Today on XXXX I received their dispute resolution saying it was a valid transactions and the dispute is resolved..to my detriment! There reasoning -- my card was n't lost or stolen. I did not sign for this transaction, the receipt clearly indicates it was n't even my card, but the charge was posted to my bill. I 'm at a loss as to what steps needs to be taken, I can not understand how I can be charged when they can not provide a receipt with any of my pertinent information on it. I work for a bank and am very familiar with Reg E, I think both the resolution and the length of time it took to come to the wrong conclusion are way outside the intent of the regulation.
Consumer complaint received 2023-10-16
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One is bringing me to small claims court over an account I have no knowledge of. I have no account with Capital One and haven't for many years. It is not on my credit report and I would like them to stop harassing me.
Consumer complaint received 2022-11-18
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: Experian Information Solutions Inc. (IL)

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

XXXXXXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 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 U.S.C. 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 the information is inaccurate.