davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CT)

On XX/XX/2022, I used Citibank 's " Pay Bills '' online banking service to remit a payment to my landlord for that month 's rent, in the amount of {$1600.00}. 

I input my landlord 's name, her physical mailing address, and the check amount. I did not enter any electronic banking information. Citibank 's bill payment service allows you to enter a payee 's name and information, and the bank will mail out a physical check in the amount ( s ) indicated to settle the bill.

For my landlord, Citibank 's system indicates specifically that " this payee will be paid via check sent via US mail to a US mailing address. Please allow at least 5-7 business days for payment to be received. '' Later in the month, I was alerted by my landlord that she never received the check. I called Citibank customer service to inquire, and they walked me through the transaction. The bill payment transaction shows a status of " paid '' as of XX/XX/2022. However, I only ordered the check on XX/XX/2022. 

The customer service representative explained that " paid '' means the check has been cashed. How is it possible that a physical check was ordered, printed, mailed, and cashed all within one day? This is not physically possible. The representative acknowledged that.

The representative suggested that it was possible Citibank electronically transferred the funds. But I never provided Citibank with any electronic banking information, so how did they know where to transfer the funds to? I called my landlord, and she said to me that she hasn't received the funds electronically, either. I asked her to double check on the specific date mentioned ( XXXX XXXX ), she confirmed that she received nothing. 

Where did Citibank send my money? I did not authorize any electronic transactions, nor did I provide Citibank with any electronic banking information. How is it possible Citibank, of its own volition, initiated an electronic transaction without my authorization, apparently to a complete stranger? 

My landlord needs her rent money. I need my bills paid. Citibank needs to rectify this ASAP. I called them and the best they can do is " investigate, '' with no clear timetable for completing the investigation. They refuse to credit me any funds in the meanwhile.
Consumer complaint received 2022-02-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (NC)

XXXX  XXXX XXXX {$14000.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX ).
Consumer complaint received 2023-06-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

Portfolio Recovery keeps harassing me about an old debt from 12 years ago and said it iwill renew again in XX/XX/2023. I asked them to send me documentation and they refuse and said they don't do that. I don't appreciate getting harassed on a Sunday and they called me yesterday. She said I can't hear you 3 times and made me say Yes this is XXXX. I am afraid they took my Yes to mean this was my debt. I never agreed that I owed this amount. It was written off years ago. She was very threatening to me and didn't appreciate it. Wanted me to make a settlement over the phone and without any documentation, I would not agree to anything.
Consumer complaint received 2022-02-15
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: EQUIFAX, INC. (GA)

A notice was sent several times to XXXX, XXXX, Equifax. I humbly requested XXXX, XXXX, Equifax to send me valid proof of bankruptcy and other accounts that they claim that they verified dated XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. I advised them that this was not a dispute, this was a consumer permissible request. I do not dispute accounts. I give proper directions and permissible requests for XXXX, XXXX, Equifax to act as an agent and correct misleading information. 

This notice was not a request for verification of the account or proof of my mailing address but a request for VALIDATION made pursuant to the FCRA and FDCPA laws. 

Further, any correspondence must be made in the form of a commercial affidavit under penalty of perjury and sent by certified mail. Any other form of service shall be deemed defective upon its face. 

I understand XXXX, XXXX, Equifax are not a bureaus nor is the agencies backed by any government agency. I am aware that XXXX, XXXX, Equifax are in fact a consumer reporting agency that has assumed, not given, a vital role in assembling and evaluating consumer credit and other information on consumers. 

Under these circumstances, I am aware of pursuant to the FDCPA & 15 U.S. Code 1681b - Permissible purposes of consumer reports. As Third party agencies, XXXX, XXXX, Equifax must comply with my written instructions. I have given XXXX, XXXX, Equifax written instructions to REMOVE multiple fraudulent and misinformed Tradelines from my consumer report. 

XXXX, XXXX, Equifax has continued to update my report with no proof of proper verification. Also that accounts are exactly the same! I will be contacting the Attorney General in regards to the matter as well. There is no way a proper investigation was done to receive these fraudulent misinformed results! 

- XXXX XXXXXXXX XXXX  XXXX XXXXXXXX - XXXX XXXX / Account # XXXX - XXXX XXXX XXXX XXXX  / Account # XXXX - XXXX XXXX XXXX XXXX Account XXXX XXXX - XXXX XXXX XXXX / Account XXXX XXXX - XXXX XXXX/ Account # XXXX - XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX XXXX XXXX XXXX XXXX / Account # XXXX
Consumer complaint received 2022-02-14
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. (FL)

I UPDATE MY CREDIT REPORT. THERE ARE SOME ACCOUNTS WHICH IS NEVER BELONG TO ME. THE INFORMATION IS NOT RELATED TO ANY TRANSACTIONS MADE BY ME. IT LOOKS LIKE SOMEONE XXXX MY PERSONAL INFORMATION. THESE ACCOUNTS ARE FROUD. IM SHOCKED HOW IT HAPPENED. I ALWAYS PAID ON TIME AND IM RESPONSIBLE FOR ALL MY PAYMENTS
Consumer complaint received 2016-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SUNTRUST BANKS, INC. (MO)

My loan started out with XXXX ( federal loan ) and it is now with SunTrust ( private ). I got the loan to attend XXXX XXXX XXXX XXXX XXXX XXXX to get a XXXX. I have never been able to secured a job through this XXXX and at the time ( unbeknownst to me ) the college was not accredited and should not have been distributing XXXX.
Consumer complaint received 2021-12-20
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. (CA)

Unverified accounts on my credit report The credit agencies Never verified or complied with the rules of the FCRA ( XXXX XXXX  XXXX # XXXX ) AND ( XXXX # XXXX ) it's been way pass 30 days Please have them delete the unverified accounts. 
Thank you see enclosed proof
Consumer complaint received 2022-02-14
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. (NY)

XXXX Bank XXXX XXXX on my credit report is showing charge off when this account was paid in full. I have had to do my own research in making attempts to clear this up and there is no contact information made to the consumer. The contact information on my report with all three credit reporting agencies is as follows : Contact XXXX XXXX  XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX This is XXXX credit card services phone number however, XXXX credit card services does not facilitate the card there is an address that you can write to which I have however, the company consistently has NOT responded and the consumer is unable to contact anyone that can directly assist in correcting data that is being reported on credit reporting documents falsely. This was a credit building card taken out as recommended by XXXX and Equifax. This company XXXX XXXX does not serve their consumer fairly. This account was paid in full years ago and closed by the consumer. This was done in a phone call to XXXX XXXX XXXX. through a branch of XXXX XXXX XXXX ( https : //www.cardworks.com/ ). When trying to speak with XXXX XXXX they circle you back to XXXX credit card services and it goes back and forth. NO ONE HAS AN ANSWER! This business is run as a " boiler room '' type of business if you will ; hacking up consumers credit profiles. There is no direct access to these business for the consumer. Therefore the consumer is left making attempts to clear up their account for months which is becoming disabling.
Consumer complaint received 2023-12-04
Product: Credit reporting 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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXXXXXX 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
Consumer complaint received 2022-02-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (VA)

My monthly payment amount went up because the escrow amount increased, and I was not aware of the increase. I am concerned about the insufficient notice I received from my mortgage company about both the rate increase and, more egregiously, the fact that my account was delinquent. 

Today is XXXX XXXXXXXX XXXX  Today is the first time I learned that my account is deficient. I learned this through two letters that the mortgage company sent to my home address, which I received today. I believe they have called my cell phone numerous times, but the messages are XXXX XXXX that do not put me on notice that there is a problem with my mortgage. In fact, they don't even identify the caller. This is a transcript of the entire call I received today, " Please return our call at XXXX between the hours of XXXX XXXX  and XXXX XXXX XXXX  XXXX through XXXX or XXXX to XXXX XXXX XXXX on XXXX. We look forward to speaking with you soon. '' It does not identify the caller as PennyMac. It does not say I missed a mortgage payment ( or a partial payment ). It's not a real person, who identifies me by name and says there is a problem on my account. Instead, it's an automated message merely asking me to call back an XXXX  number for ... an unknown reason. I thought this was SPAM. I get similar calls about student loans and car warranties ( that I don't have ) routinely. I have received other calls that I now assume were also from PennyMac, but I thought those robocalls were SPAM and did not return those calls either. A generic robocall does not suffice as notice that a consumer 's mortgage payment is past due. 

Through a series of telephone calls today, I have learned that PennyMac sent me an email months ago telling me that the escrow analysis was ready to download. I did not see this email because PennyMac sends me so many marketing emails ( there are XXXX in my in-box right now from XXXX alone -- and that's just what I haven't deleted ) that I thought this was another marketing email and did not open it. I therefore did not download the escrow analysis and had no idea my payment amount had increased. 

PennyMac should do better. They either have the ability to tell when consumers have downloaded account documents or they could have that ability if they chose to ( to know whether consumers have received actual notice of critical account changes ). They certainly have the ability to contact consumers to let them know if their accounts are overdue. A XXXX is not notice. 

PennyMac reported the delinquent XXXX payment to the credit bureaus. This will affect my ability to obtain credit, including future mortgages.
Consumer complaint received 2022-02-15
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. (NY)

Experian is reporting XXXX as potentially negative. This is a paid account. 
Experian is reporting XXXX written off. 
It's being reported fraudulently. It was paid.
Consumer complaint received 2023-12-04
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to request that the following accounts be removed from my credit report as there is insufficient information to verify them : DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX and DEPT OF EDUCATIONXXXX XXXX. I kindly ask that you investigate these accounts and remove them from my credit report as they do not have enough information to be verified.
Consumer complaint received 2023-02-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money (FL)

They did not disclose interest charges. The interest charges are 644 % which is an absurd amount of money to be charging for a {$750.00} loan. I had to pay {$2100.00} to close out the account for a {$750.00} loan for a loan I took out in XXXX and we're in XXXX.
Consumer complaint received 2022-02-16
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. (TX)

On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

Subject : Urgent : Immediate Action Required to Resolve Identity Theft and Close Fraudulent Account I am writing to express my extreme concern and frustration regarding a case of identity theft that occurred in XX/XX/2023 and subsequent accounts in XX/XX/2023. Unfortunately, despite multiple attempts to rectify the situation, the issue persists with my XXXX XXXX XXXX XXXX account. 
I reported this incident under the claim number XXXX on XX/XX/XXXX, and provided the confirmation number XXXX. 
To compound the matter, I recently received a dispute closure message from Experian Credit Agency about a XXXX XXXX account that claimed the customer is not in agreement. However, no one from XXXX XXXX has contacted me to verify any information, leaving me in the dark about their verification process. 
Despite my repeated calls to customer care, the necessary actions to close the credit card account have not been taken, even after a month. I have also submitted an appeal, including essential documents such as the police report, FTC report, lease documents, utility bills, and driver 's license details to XXXXXXXX XXXX 
I urgently request your assistance in closing the fraudulent XXXX XXXX XXXX XXXX account and ensuring its removal from my credit report since those accounts and credit card is not mine. Additionally, please take prompt action to eliminate any associated addresses linked to the unauthorized account. 
Your immediate attention to this matter is crucial, as it has been an ongoing issue that needs swift resolution. I appreciate your understanding and cooperation in resolving this distressing situation. 

In addition bank needs to compensate me for all these mental stress and for my efforts to close the account which should not have been allowed to be created in the first place without proper verification.
Consumer complaint received 2023-09-08
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mark A. Kirkorsky, PC (AZ)

XX/XX/23 M.A. Kirkorsky.P.C initial introduction to me was by XXXX. delivering to my address a foregoing copy of a subpoena in a civil case with a case no.TJ2006. The subpoena disclosed misleading information about me. Kirkorsky 's listed local phone no. that is identified and named ; debt collector, the business address a po box denighing me reasonable communication. Kirkorsky did not follow-up with me regarding the subpoena Kirkordsky neglects providing me with a debt verification, has not given me the option to dispute the debt. XX/XX/23 Kirkorsky has court filed ( 2 ) consecutive affidavits under the case no.XXXX.seemingly a case that's expired Arizona statue of limitations. XX/XX/23 a second notice of subpoena to XXXX XXXX Bank collectively gathering my current to past personal banking records. I was not XXXX. mailed a copy of that subpoena the XXXX banker sent a copy of the ( 2nd ) subpoena. XX/XX/23 XXXX XXXX  complied with the order and Kirkorsky has been delivered those personal account records.
Consumer complaint received 2022-02-15
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX XXXX and XXXX XXXX
Consumer complaint received 2022-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current (NY)

On XXXX XXXX I noticed an unauthorized ATM withdrawal of {$400.00} from my checking account with Current XXXX Bank. I called Current immediately but was told I have to wait until the {$400.00} is posted/withdrawn. On XX/XX/2022, the money was withdrawn. I filed a dispute the same day. The ATM withdrawal happened in XXXX, NY, I was in XXXX, NY at the time. I live and work in the XXXX. I sent receipts from the post office and the supermarket showing my location close to the time the unauthorized withdrawal happened. My location on Current app was on and it showed my location at the time. I still have possession of my debit card, so I have no idea how the person was able to withdraw the money. I have no idea where or the name of the merchant the ATM machine is located in XXXX, NY. Current did its investigation and said there was not any fraudulent activity so I will not be credited the {$400.00}. Current will not give me any information that was used to make their decision. Also, Current will not give me the information of the merchant where the unauthorized withdrawal was made. Current is not a bank. It is an online financial technology company. Their services are provided by XXXX XXXX XXXX. Current stated they will not appeal their decision if I do not provide more documentations or receipts to prove that it was fraudulent. All of my ATM activities were all from the same ATM machine in XXXX on XXXX XXXX in the XXXX. Even the stores that I go to and get cash back are in the XXXX. I have direct deposit from my job that shows I work in the XXXX. I gave them all that I had but Current refused to give me the evidence they have. 

I have enclosed the receipts I sent Current to show my location.
Consumer complaint received 2022-02-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

I submitted to Great Lakes a removal of my student loan based on school closing and false pretenses that once I graduate with a degree in XXXX studies I would be helped and will be able to make XXXX figure income once I graduate. That I would be placed with lawyers and law firms in getting a secured job. Once I graduated that never happened the school cancelled further schooling for XXXX studies and no longer supported their promises or claims when I graduated leaving me with massive debt for the program. Not once did they aide me in my quest for a job with any law firm since the year I graduated they ceased any further operation of XXXX XXXX  studies and abandoned me on job searches. Now Great Lakes will not cancel my student loan since the school defaulted on their promises by being bought out during my schooling by the said company that was reported defrauding students on their student loans. I therefore plead my case against my student loan and fraud!