davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-02
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (FL)

I had a Banking relationship for XXXX  years with Citibank which included bank accounts and multiple credit cards. I always conducted my business with CITI in accordance with their stablished guidelines. To my surprise and without any warnings on XX/XX/2022 I received a letter from CITI advising they were closing all my accounts, I went to the branch to request information and they said that the only way to request information was writing to the company. I wrote them a letter asking for the reason and the only answer I got was that they reserved the right to close my accounts. I feel that I was treated unjustly and at least I deserve to get an explanation. I had no overdrafts, always paid my credit cards on time and I consider myself to be an honest person, the way they closed my accounts made me feel like a criminal, specially after calling the XXXX  number where an account specialist told me that it could be for several reasons including money laundering.
Consumer complaint received 2023-05-23
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX
Consumer complaint received 2017-07-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (OH)

Beginning  XXXX / XXXX /2017 started receiving calls from  XXXX . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  . On  XXXX / XXXX /17 they called @   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  .
The first couple of calls I answered not knowing who it was on the line. They do not answer me, I can hear noises in the background like faint voices and phones ringing, but they never speak. If I say " HELLO '' a second time, they hang up. I do not know who it is, what they want. I once tried to call the number back, but it puts you in a calling que ( on hold for the next available person ) but no one ever picks up the line. I 'm really tired of getting these calls especially when they do not leave a message or tell me what   they want. I would like help stopping these calls to my cell phone.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC. (NY)

Santander Consumer USA Account Number : XXXX incorrectly reported as a charge off and repossession. FTC law and Federal Truth In Credit Reporting Disclosure Act protects my credit from any delinquency reporting after seven years. There should be no lates on my credit report for all open credit cards. I prepaid my account XXXX month in advance before any due dates for all opened accounts to avoid any future problems as a catalyst.
Consumer complaint received 2023-05-23
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. (TX)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belongs to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which iare found to be opened due to identity theft. The dispute items do not belongs to me. Im attaching the required FTC Report for you and the bank 's records. The following items needs to be remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these items belongs to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-05-23
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. (TX)

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. 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 that the information is inaccurate
Consumer complaint received 2023-01-25
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: Experian Information Solutions Inc. (VA)

On or around XXXX XXXX I contacted Experian regarding their reporting of the XXXX XXXX XXXX account. Pursuant to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 

Experian is not respecting my right to privacy. Experian continues to report information that is excluded from my consumer report. On XX/XX/2023 Experian alleges the investigation is complete and my report was updated however I do not see any update to the report. I hereby request Experian to provide me a description of the procedure used to determine the accuracy and completeness of the information being reported by the furnisher. This description shall include and not be limited to the business name and address of any furnisher of the information contacted in connection with such information and the person whom they talked to along with the contact phone number of the individual. 
I have attached supporting documentation that shows XXXX XXXX XXXX states they are required by law to report my experiences and transactions with them however my contract shows NOTHING about reporting late payments to the credit reporting agencies. I have pointed that matter of fact out to Experian yet they are still " verifing '' the information as accurate. 
I never consented nor gave permission and was never afforded an opportunity to opt out to XXXX XXXX Services sharing my information with the credit reporting agencies. 
With evidence attached how can Experian lawfully continue to violate my consumer rights?
Consumer complaint received 2021-05-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS provides no real source of assistance ; hiding behind the cookie cutter paper correspondence and assigned NAMED relationship managers YOU NEVER SPEAK TO? One hand doesn't know what the other is doing! Contradicting communication with less than through information has placed me in a dire situation. They referred legal action towards foreclosure after numerous dismissed attempts on my requests for relief? Poor communication allowed me to struggle and pay during a forebearance period I DIDNT KNOW ANYTHING about? Forbearance was stopped in XX/XX/2021 unbeknownst to me and created a balloon payment thus causing foreclosure proceedings! I never agreed nor did I know this was going on ; meanwhile I was asking for help ( deferred payments, rearages on loan, lower monthly payment, etc. ) SPS Relationship Manager ever contacted me about to discuss ; no email phone call or direct correspondence, nothing! The concern is I'm struggling for COVID relief and FOREBEARANCE as depicted under the cares act. The problem is SPS appears that they are in line with the CARES ACT procedures. However, the borrower is at stake caught in the middle in dire need to save their family home during a pandemic! Please be advised in addition to this complaint I have an abundance of email communications with my relationship manager and SPS the last 2 years. Requested documents were all sent in and weren't utilized? Yet in contradiction SPS was active with my loan during the same time? Currently, I contacted SPS and emailed them regarding leaving a message with my SPS RM to finally help me ; their protocol is 24-48hrs that was last Thursday? In contradiction SPS will send a letter reflecting about HOW I'M NOT DOING WHAT I'M SUPPOSE TO ( placing the borrower at fault, in a unjustified situation )? At this point, I've contacted your organization and a housing counselor in addition to assisting me cause you can't trust the lender with your loan even with the protection of the president morandum. Consumers need protection in addition to actual relief and assistance, we shouldn't have to PAY the price for incompetent services and no real help as the government intended. 

XXXX** ( Email screens shots are attached for your reference of my communications with my lender and the profound concerns while they continue going down another path with my loan! ) *****
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (VA)

I requested my credit card with Navy Federal Credit union to be closed on XX/XX/XXXX. I had already made a payment of {$160.00}. My credit report showed clsd for XXXX. On today XX/XX/XXXX I get multiple alerts from My credit monitoring stating, I had an account status change. My credit score dropped XXXX  points. Navy federal credit card is the only account on my credit report.Navy federal reversed my payments from my credit card on XX/XX/XXXX, then waiting to report to credit card as 30 days late. They reopened my card because it now shows on my credit report as 30 days late but I closed my card over 30 days ago. As you can see in the attachment for my credit report on XX/XX/XXXX my account was closed and current but they navy federal went back and changed the status today.
Consumer complaint received 2023-09-01
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 (MA)

EdFinancial is my new student loan servicer. They have not provided account access. I have no access to my federal student loan information and am unable to make a payment before interest resumes on my loan. I was able to reach a representative after a lengthy wait ( 2 hrs ) on the phone. They assured me account access will be provided by XX/XX/XXXX. I have still not received any access to my account. This company is engaging in shady practices denying consumers access to their own financial information.
Consumer complaint received 2017-05-06
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

I am in an active wage garnishment fro m Pressler and Pressler. S o far they have gotten me for over  XXXX  and actively collecting another  XXXX . The docket numbers for the judgement are not found on any public record with the state of NJ in my name for this debt. I want my money back and I want them to resend this bogus claim
Consumer complaint received 2018-03-13
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. (MI)

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by XXXX marked XX/XX/XXXX on my Transunion report. I tried to contact XXXX directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact XXXX. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX
Consumer complaint received 2023-01-26
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. (DE)

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX Balance - ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$36000.00} ; XXXX XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX Balance {$46000.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX. XXXX ) XXXX Balance {$1400.00} ; XXXX XXXX XXXX XXXX, DE XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX on XX/XX/2022 ; XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX  XXXX Inquired on XX/XX/2022 2022
Consumer complaint received 2023-08-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

On XX/XX/XXXX, the collection made by SEQUIUM ASSET SOLUTIONS, creditor is XXXX XXXX XXXX  stated that I owed {$4200.00}. I did not use XXXX XXXX nor related with this one. 
I've already contacted XXXX. They didn't provide me any document, only said they will create a fraud ticket for it.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

I am writing to request the removal of certain information from my file. The specific items that I require to be deleted are listed in the report enclosed with this letter. I have been the victim of identity theft, and I did not authorize the charges in question. To correct my credit report, I am requesting that these items be deleted. I have already reported the identity theft to the Federal Trade Commission, and I have enclosed copies of their identity theft affidavit for your reference. I kindly request that you take prompt action to delete the aforementioned items from my file as soon as possible. Thank you for your understanding and cooperation in this matter.
Consumer complaint received 2023-01-26
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. (MO)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX for {$2100.00} dollars 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 an account without my written instructions.

15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting to any consumer reporting agency.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MN)

On XX/XX/23, I called Bank of America at XXXX to inquiry into secured credit card offer. Before proceeding, I asked if the card could be expedited. I was informed it could be, which resulted in my application and subsequent approval. After making my deposit, I was informed the representative had been incorrect in their initial presentation. I made clear to the rep that the ability to receive the card expeditiously would impact my decision to apply. I was either misinformed, deceived and/or scammed into opening a credit card account. Upon requesting cancelation and a refund, I was informed it would take up to XXXX business days. This allows the bank to make whatever interest off the money they deceptively acquired from me. The bank refused to honor what they originally promised, and only educated me on their policy after the fact.
Consumer complaint received 2023-03-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.
Consumer complaint received 2023-09-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (GA)

On XX/XX/XXXX, I unfortunately fell victim to a scam. I thought it an old friend from high school, but apparently their XXXX account had been hacked and the malicious actor was posting fake items for sell. I put a deposit down for the item, when they kept asking for more that's when the red flags popped up. I realized I had been scammed so called Venmo to see if they could prevent these transactions from going through since they were still pending, I let them know these were fraudulent payments and that I had been scammed. They seemed to accept my report and opened up an investigation they told me could take up to 30 days. The spokesperson actually recommended I call my bank and try to stop the transaction there. So that's exactly what I did, I put a block on all transactions going to Venmo. No money was transferred out of my account. All is well or so I thought. 

About 3 weeks later on 8-14, I get a call from Venmo stating I have a negative balance on my account for {$500.00} ( Two payments of XXXX $ ). Venmo apparently didn't cancel the reported fraudulent charges and ate the transaction value since my bank had blocked all transactions with Venmo. When I spoke with the Venmo representee on the phone he told me that Venmo denied my investigation, so I was responsible for the XXXX . 

I informed Venmo the day of, if not minutes after the transaction happened ( it was still pending on Venmo ) that this was fraud. They should have canceled the pending transaction on their end, nor should I be held responsible for the debt. I own up to falling to a scam, but I reported this in a very timely manner to which it could have been prevented. I have read horror stories about Venmo customer service sending folks to debt collection, and therefor affecting their credit score for this same type of thing and do not wish to be part of this statistic. 

I requested the case details/information