davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a checking and savings account with Citibank on XX/XX/XXXX. I made the required deposit amounts to take advantage of their sign up bonus. 

I followed up with their customer service through their message system in XX/XX/XXXX as it was well over the 90 ( three month ) period they stipulated as the requirements for agreement. I was confirmed that I was to receive the sign up bonus deposit on XX/XX/XXXX. The time came, and nothing was deposited. 

I followed up with their customer service again through the banks message system around XX/XX/XXXX. This time they stated that the deposit would be made before XX/XX/XXXX, but to allow up to XX/XX/XXXX. 

I contacted the customer service once again today, XX/XX/XXXX, for follow up and now they have run out of excuses. Now there is a delay with their department. 

It is now XX/XX/XXXX and I havent received the terms as agreed upon. I did everything to hold my end of the agreement. They have have more than enough time and opportunities to avoid any delays. 

I also had the history of the correspondence on the allocation. However now that I am trying to retrieve it, Citibank has wiped the information when I was in contact on two separate occasions after.
Consumer complaint received 2020-03-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-01
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MI)

I have sent certified mail on XX/XX/XXXX asking this company for debt verification I asked for the amount that they purchased this debt for I asked for original loan document and proof that this debt belongs to me. The company never responded to my certified mail. And I have proof it was delivered. So I contacted them on XX/XX/XXXX and with a unsuccessful attempt the representative was so rude I instead of supplying me with the information I requested he interstates me with a hundred questions about the account he never provided me with any proof so he hung up on me.. I then call back about a week later and spoke with another representative and now Im being told because the previous representative put notes on the account that I was being represented by a attorney they cant provide any information.. I explained to that representative that I am not in any way being represented by a attorney and that the other representative was not being truthful when putting in those comments.. The company then said send us letter stating you are not being represented by a attorney via fax or mail and then we can talk to you.. well I have since done both and this company just continues to give me the run around and not providing me with the information that I am entitled to since this account is reflected on my credit report and I have made several attempts to contact them Ive been dealing with this since XX/XX/XXXX and still no resolution.
Consumer complaint received 2020-03-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch (OH)

I was hospitalized for 2 days. After my release I started receiving bills. I could not keep up or interperet some of the billing and when I tried to make payment arraingments with the medical facility but they said I had 30 days to pay in full. I had not even received all the billings before they turned me over to a debt collection agency which has drastically negatively effected my credit scores. 
The dates originated in XX/XX/2018. I had been making regular on-time payments for 3 separate collections, one was for {$480.00}, one for {$1900.00} and one for {$150.00} those totaling {$2600.00}. 
I recently paid those off in full. The problem with this has been, instead of the collection agency paying off the lesser amounts first, theye applied all payments made toward ONLY the highest amount, leaving the two lesser amounts at 0 % paid for the last 2 years. I was unaware of this practice until I went to apply for refinancing. My credit score went from a equifax score of XXXX to XXXX. It has not improved much because it still showed 3 accounts in collections. the two lower amounts would have been paid within a few months if any money would have been applied to them, thus not damaging my credit as bad or as long.
Consumer complaint received 2018-10-02
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: EQUIFAX, INC. (FL)

XXXX, XXXX SOC # XXXX DOB XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 


XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Miscellaneous, Not Elsewhere Classified XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX Inquiry :XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2017 National Credit Cards/Airlines ( XXXX ) XXXX XXXX   Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX  Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2017 National Credit Cards/Airlines ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2017 XXXX XXXX ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC #  XXXX DOB XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-09-15
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. (DC)

When I reviewed my credit report, I discovered that some of the accounts was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Balance Owed : {$3300.00} XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$6100.00} XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXXXXXX Balance Owed : {$91.00} XXXX XXXX Balance Owed : {$31.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$37000.00}
Consumer complaint received 2022-09-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (IN)

XXXX XXXX was not allow to text or call my cell phone for an account I have with their office. I told the rep XX/XX/2022 I don't give XXXX XXXX  permission to text or call my phone. This company is sending me text messages. I didn't consent for XXXX to reach out to me via text.
Consumer complaint received 2020-03-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

I am filing this complaint against LVN FUNDING this company is purchasing and trying to collection on a account that has been disputed as Fraud with the original creditor Lvnv Funding Llc Opened XX/XX/2019 {$770.00} Original creditor : 12 XXXX XXXX XXXX XXXX XXXX I have never had a credit card with XXXX XXXX XXXX this account that is reporting under my personal information is incorrect I am request this account be removed from all reporting bureaus
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

ACCOUNT XXXX XXXX XXXX INQUIRIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following personal information is incorrect. Please remove it from my credit report XXXX XXXX XXXX XXXX. NY XXXX XXXX XXXX XXXX XXXX. NY XXXX
Consumer complaint received 2021-08-31
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: EQUIFAX, INC. (IL)

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Consumer complaint received 2020-03-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The CFPB is the biggest waste of taxpayers dollars as it is anything but Consumer Protection. This organization believed a pack of lies from Bank of America on my complaint. Refer to my complaint with Bank of America on your idiotic site. I was defrauded and taken advantage of as a Senior Citizen by a greedy Bank of America employee on the pretext of assisting me. I have a witness as well as a voicemail of admittance on my phone from the Bank of America employee that defrauded me yet the CFPB sides with Bank of America? Shame on you and I hope something such as this scam happens to a CFPB employee. This organization is a disgrace to the American Public. I challenge this organization to publish this complaint as surely it will not be.
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Over the past few months, Portfolio Recovery had sent me correspondence regarding a debt from XX/XX/XXXX. They reaged the debt and are reporting it to the credit bureaus as aXX/XX/XXXX debt. They have admitted over the phone it is from XX/XX/XXXX but refuse to correct it with the credit bureaus.
Consumer complaint received 2020-03-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (TX)

I was notified by XXXX that a collection account had been added to my report early XXXX. I immediately reached out to this creditor whom I have never heard from via phone or mail, nor done business with and asked them for immediate validation of this debt per my FCRA rights. They responded with a typed letter stating I owe {$1100.00}. It contained no contract, no original loan date, nothing at all with my name and no documentation showing their rights to even collect on this unowned debt. On my credit it also shows that this account was opened XXXX of 2020 which is impossible due to the fact I am currently XXXX overseas. After asking for validation a 2nd time the company has stopped responding completely. I have attached the letter the used as VALIDATION of this debt.
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NC)

Dear CFPB : On a span of 3 days, I received 17 calls from Synchrony Bank through different times from the same number. We have our bills up to date, but they stopped calling, even we told them to. I mailed a letter on XX/XX/XXXX, and on XX/XX/XXXX to two different addresses from Synchrony Bank ( one in XXXX and the other one in Utah ), explaining that the calls were unwelcome. We cited the law and the fines per violation. So far I received no response from them.
Consumer complaint received 2021-11-23
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amcap Investments, LLC (TX)

While submitting an application and required documentation for a home loan I provided earnest money for {$2200.00}. After several months submitting documentation and the lender changing the closing date several times we found that we did not qualify due to two auto loan payments not being verified by the processing manager. The house was put back on the market and the earnest money was not returned to me. We followed all the instructions for submitting documentation, and were given several Loan Estimate and Closing Disclosure packets. I emailed the loan team including the loan originator, processor and processing manager, but did not receive a response. Please let me know if my complaint is valid. This is the last person that emailed me to submit documentation. 
XXXX XXXX | XXXX XXXX XXXX  : XXXX | F : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX | XXXX, TX XXXX Thanks :
Consumer complaint received 2020-03-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I have been submitting ECFs since XX/XX/XXXX. As of 2 years ago my PSLF payments were accurate however for some reason two years ago they reset to zero. When I called FedLoan and emailed they stated that they would be working on the case to review and update it. After a year of no response I reached out again and still given the same reason of they are working on it. I finally reached out to CFPB several months ago to help address this issue and as of XX/XX/XXXX it was addressed via your help and the PSLF payments were updated. However the counts were slightly incorrect. I have attached their documentation for clarification but the line with " XXXX XXXX XXXX  XXXX '' should be 36 payments instead of the listed 32. The line with " XXXX XXXX XXXX XXXX '' should be 27 instead of the listed 25. The final line with " XXXX XXXX XXXX XXXX '' is correct at 12.
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

On a Synchrony Bank Account under my name, there is information posted indicating the account is current from XX/XX/XXXX., XX/XX/XXXX and XX/XX/XXXX. Never in any of these 3 months was the account ever brought current. In fact, it got worse at time went on. This is important because the account should have went into Charge Off status much sooner. It seems to me, it was put into OK status to extend the period in which to try to collect.

The Date it should fall off my credit report is showing as XX/XX/XXXX but in reality that date should be XX/XX/XXXX based on the true delinquency dates. 

I sent an e-mail to The Office of the President of Synchrony Financial in a response to an e-mail in which was sent to me regarding a matter regarding this account. This matter is a separate matter not addressed.
Consumer complaint received 2020-03-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To Portfolio Recovery Associates LLC XXXX XXXX XXXX. 
XXXX VA XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states account type as an open account, account status as open, and payment status as late 120 days. I have enclosed a copy of my credit report showing proof. 

Per violation, you are reporting an account as open, but its late 120 days, which you never received no payment from me, not only you are reporting inaccurate information, but you are also reporting an account that you have no legal right to collect. 

Per XXXX  reporting and XXXX, it states account status as derogatory, balance as XXXX, and payment status as collection/ charge-off, how is this possible, you are reporting payment status as collection/charge-off and other as late 120 days. Per violation, you can not report different information between credit agencies, which make the information invalid, delete per violation. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt. 

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering. For your records and proof, I have enclosed a copy of the credit reporting. 

Delete this account from my credit report immediately, or I will seek legal action. 

Do not send me copies of credit card statements, as this do not validate the right to collect
Consumer complaint received 2020-03-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

Hello there.On XXXX, transunion charged my and my husband {$19.00} per person for providing a credit report. We were not asked for giving permission to get charged. This is a kind of fraud. Now, they dont cancel my subscription. I want to get our money back and also dont want them to have an access to our credit cards and history. I appreciate if you could help us with this issue. 
Thank you XXXX XXXX
Consumer complaint received 2020-03-01
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: Nelnet, Inc. (CA)

FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Delete this account from my credit report immediately, or I will seek legal action. 

I`m requesting that both the CRA and the original DATA FURNISHER to supply me with proof that you both are in complaint with the FCRA and more specifically with the industry standards of reporting electronically. 

Do not send me copies of credit card statements, as this do not validate the right to collect. 


My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SSN : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2021-11-22
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: Experian Information Solutions Inc. (GA)

Back In XXXX of 2021 XXXX made a collections claim on my credit report originally with XXXX XXXX XXXX XXXX mobility for {$1000.00}, I had this erroneous claim removed in XXXX from my report. However, It seems this same erroneous account has reappeared on my report. Now, this account is with XXXX XXXX XXXX ( XXXX ). According to The Fair Collection Act, this information should not be placed back on my credit report once removed. Section 609 ( a ) ( 1 ) ( A ) of FCRA, 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. Obviously no investigation or verification was made since this account has already once been removed. Additionally, it has now been past 45 days since I requested you to investigate XXXX claim of a collections on my credit report.
Consumer complaint received 2021-11-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (PA)

The cards I purchased had 150.00 and 50.00 and I already sent in proof of the amount on the cards and the receipts and didn't register the card and the one card has a negative balance and don't have any idea why