davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Helbing Law Group (IL)

Signed up with Helbing Law Group for debt consolidation on XX/XX/2019. Made XXXX  monthly payments of {$540.00}, XXXX payments of {$830.00} and a legal fee of {$370.00}. I have been summoned to court both credit card companies. I learned today that Helbing never contacted XXXX XXXX XXXX on my behalf. I received an email from XXXX XXXX stating that I have an account balance of {$13000.00} and that I will need to pay them another {$14000.00}. XXXX also stated that my settlement amounts are XXXX XXXX and XXXX XXXX He never contacted the creditors on my behalf. I also had to pay the legal fee for representation to another creditor because they wanted to take my home. I am asking for assistance to get my {$22.00}, XXXX back from Helbing Law Group. I have sent emails and call everyday with no response. I have been advised by XXXX attorneys to contact you and I also filed a complaint with the Attorney Registration and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-20
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. (CA)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-12-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC (IL)

PROFESSIONAL PLACEMENT SERVICE has failed to validate an alleged debt after submitting a written affidavit requesting validation via certified mail. They have infringed on my private information as well as my infants private information including medical record number and date of a major XXXX. This is a major HIPPA violation because I have never done business with PROFESSIONAL PLACEMENT SERVICE yet they have attached a false medical debt to my consumer reports defaming my reputation, name and brand. I have never signed a contract with this corporation & have no idea how they gained access to our personal private medical information. They have committed identity theft according to federal law and have given me health and marital problem due to their illegal tactics. My request has gone ignored for a month now & I am enforcing the law. A final notice of default has been sent to the company via certified mail. Complaint is also being forwarded to HHS.gov.
Consumer complaint received 2019-11-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

The original issue was with XXXX  We moved and asked for a simple movers package. First the technician went to the old address. Then once he arrived at our correct new address, I elected to go wireless for a one time fee. The agreed upon monthly amount was for about {$120.00}. The first bill after a month or so was for about {$1200.00}. Naturally I called and argued with the representative until it was agreed on that if I pay my $ 125 monthly amount the billing issue would be fixed. The next billing cycle landed me a bill of about {$600.00}! I had to call and complain again until it was agreed upon that if I paid the {$120.00} my service would not be disconnected. The Next billing cycle had arrived along with a bill for around {$300.00}!!! I called AGAIN to complain about their service and the billing debacle, but this time I told the representative to just forget it and to cancel the contract. At this time I also drafted a letter and sent it stating that I wanted to cancel due to a breach of contract on their part by not charging the {$120.00} as agreed upon. The letter was sent to them by certified mail with a return receipt, but I might not be able to find the receipt after all of this time. I also told them that I don't work for them and if they want their equipment, they need to send a technician to pick it up. I never heard anything else so I thought it was over. I did threaten to file a fraud complaint but never did since I thought it was resolved. Then a collection agency started trying to collect on an account that I had cancelled. I keep receiving letters on a regular basis from different agencies with a " deal '' that if I can pay just half or so, it'll be all better. I don't feel that I have to pay anyone for a cancelled contract. And I don't believe that this should be on my credit report at all, I consider this an FDCPA violation and outright fraud. 
The original letter to XXXX and a copy of the latest collection letter will be uploaded soon.
Consumer complaint received 2024-06-02
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My name is XXXX XXXX and i'm writing this email to complain against citi bank for blocking and unsling my account for absolutely no reason. on my XXXX XXXX  i went to the branch on XXXX  NY XXXX due to my account being blocked for no apparent. i deposit a check on XX/XX/XXXX for the amount of {$50.00} from a company that i had sold my grandfathers vintage instruments to. the money was available on XX/XX/XXXX and i transferred the to my saving that day and my account was blocked automatically. i went to the branch in XXXX  and i was there for XXXX. they called costumer service and they unblocked my account. the next day XX/XX/XXXX they blocked my account again i went i called the fraud department a XXXX number and they told me they couldn't provide me with any information in regards to my account to go back to the branch which i did. 
the branch couldn't provide me any information in regards as to guy my account was force. i called costumer service again as i was still in the branch and they told me i would have to wait 24 hrs for my account to be available in order to have access to my account they issued me a new card which i got. i called costumer service to active because i couldn't log in the app and they told me they couldn't activate my account because my account is froze. ONCE AGAIN. 
i worked hard for everything i have and all the funds i had in my account and now im being robbed for all the money in my account i need answers and i need help getting the funds out of my account immediately. every time i called costumer service and the fraud department they told me something different they been playing with my account because of the amount of money i have in my account and it's extremely upsetting i've been a member with citi bank for XXXX XXXX  years and i have never experience anything like this please help!
Consumer complaint received 2023-02-28
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. (TX)

Back on XX/XX/ i did a complaint showing that the credit reporting was showing that i was late on my loan and i was not. My loan processing company has sent them over countless letters stating there not reporting that i was on a covid forbearance till XXXX XXXX XXXX XXXX XXXX XXXX XXXX its showing that im late on my payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is incorrect. The balance on my loan is incorrect. I have attached the covid letter.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. I sent letters to Transunion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Transunion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (MO)

While trying to apply for loan I realized an account was on my credit report that was delinquent. I was only an authorized user of this now closed ( charged off ) account. I do know the owner of the closed account, but this person was no part of my loan application, and they did not have permission to check that credit report. The account information should not have appeared on my report at all. Because this appeared on my account, I believe I was denied a loan that I should have had no problem getting. The only credit report they had permission to use was mine. All three credit bureaus used the information.
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent XXXX letters certified mail and have not received any original contracts. 

Also have not been removed and have been illegally reporting on my credit file and putting debt on my report and hurting me. 

For example XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-09-07
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I sent in information to Credit Acceptance. I have never opened an account with them. Someone stole my identity and they used my personal information to open a account. I never had a vehicle with Credit Acceptance. Whoever did opened an account and used my info to get it. i don't have any idea on how this happened. I have had multiple accounts opened in my name and I have never had a vehicle with Credit Acceptance. I am XXXX and don't have any money to pay this company for a that I never knew about nor owned. Someone posed as me and got a account opened with my information.
Consumer complaint received 2024-06-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (GA)

Bridgecrest aka XXXX XXXX  Gave me false information in not having to run my credit for a vehicle but in actually they did and also sent it to another bank and .I didn't recieve the opt out of reporting paperwork ..saying I could opt out of reporting
Consumer complaint received 2022-05-27
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. (CA)

Bankruptcy - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX A representative from Experian recently stated two thing : 1. All accounts reported on a credit file has an address identifier linked to it that ties to an address listed on my credit report. PROBLEM : The address identifier linked to the bankruptcy is NOT listed nor tied to an address on my credit report. YOU HAVE MERGED MY FILE! I keep explaining there are THREE generations with the same name in my family. My father, XXXX XXXX XXXXXXXX XXXX  ; Me, XXXX XXXX XXXX, XXXX ; My son, XXXX XXXX XXXX, XXXX. My dad names on my report MULTIPLE times. XXXX even has my son 's birthday on my file. Who are you verifying??? 2. The representative confirmed that Experian verifies bankruptcies through XXXX. PROBLEM : I've sent Experian the letter from XXXX that clearly shows that bankruptcy COULD NOT BE VERIFIED BUT EXPERIAN keeps claiming to have verified and this has to be a complete LIE! I think Experian knows my file was merged which is why they suddenly deleted accounts I BEEN told them were not mine BUT kept XXXXXXXX XXXX XXXX XXXXXXXX, and Bankruptcy. Plus ALL of these INQUIRIES KEEP SHOWING UP! WHY? WHO ACCOUNT DID EXPERIAN SUPPOSEDLY VERIFY? Experian has multiple violations of my rights under FCRA.
Consumer complaint received 2022-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector, asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (KY)

To start, XX/XX/2023 my bank account with Navy was hacked and money taken from both checking and credit card. They trf what I had in credit to my checking then took it using the XXXX XXXX. ( went to a XXXX XXXX XXXX  XXXX ). I have never used the App, therefore would have been at least an alert. Navy CU couldnt contact me about suspicious transaction because the hacker started by shutting down my mobile phone. I had XXXX XXXX ( suspect inhouse, was never investigated ). Ever since I have been plagued by the {$1.00} cash advance fee. The XXXX, after a couple of weeks of investigating the hack, refunded my money back, but was told I had to pay this fee because money was trf from the credit card. Would continue until the money that was trf paid back. And has continued since. Every month I have to contact them. This month Im told my msg was forwarded-a week ago. This is small, but it does affect the balance.
Consumer complaint received 2023-01-20
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)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2021-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I am a United States Veteran and XXXX XXXX XXXX I should qualify for assiatnce into help rebuilding my credit. I hired XXXX XXXX who took {$130.00} a month to repair my credit. Upon hiring them th4ey have not repaired my credit and all three credit bureaus have not chnage the status on credit report or credit scores within the last five years Ive paid of a motorcycle and house. I purchased two vehicles one was traded in for a new one. I am still seeing things on my report that have been on there more than seven years. Please investihgate my report and correct the credit bureaus for reporting low credit scores I am trying to buy a house. Please begin your invstigation. Thank you
Consumer complaint received 2021-12-20
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

RE : DEFAULT IN DISHONOR/BILLING ERROR regarding vehicle with vin # XXXX Ive been made aware of my federally protected consumer rights as holder in due course and realized several violations and billing errors. I have asserted my rights to reclaim all possessions. 

On XX/XX/XXXX, Nissan Motor Acceptance Company/Infiniti Financial Services , received and signed for my Affidavit In Fact as well as my present of payment to offset the billing for this account in accordance with 12 U.S.C. 411, 18 U.S.C. 8, and 12 U.S.C. HJR-192 ( 1933 ). 

As of XX/XX/XXXX, my affidavit has not been rebutted and the negotiable instrument ( pursuant to UCC 3-104 ) has not been returned. Pursuant to federal law, an unrebutted affidavit stands as truth in commerce and refusal to accept or acknowledge a tender of payment or return said presentment is default in dishonor pursuant to Florida Code 673.5031 - NOTICE OF DISHONOR and Florida Code 673.5011- PRESENTMENT - On XX/XX/XXXX, I received an attempt to collect a debt and a threat to repossess my vehicle for failure of payment. This is a violation pursuant to 15 U.S. Code 1692e. False or misleading representations ; ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
Consumer complaint received 2019-11-27
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. (OH)

I started a fraud dispute on XX/XX/XXXX for fraud against Florida Department of revenue. Somehow it appeared as XX/XX/XXXX. Now the Florida Department of revenue did not provide facts and continued the fraud and changed the dates and money amounts of the fraud from XX/XX/XXXX {$52000.00} to XX/XX/XXXX {$35000.00}. The Name on that fraudulent account is not mine and has never been mine. I looked up the case file and neither party named is factual there is no such person as XXXX XXXX XXXX the plantiff obligoee nor the person they claim to be me XXXX XXXX XXXX XXXX defendant obligor. So there is no way that this should be allowed and it is blatant fraud. My Name is XXXX XXXX XXXX it has never be changed to any other name. I did not know of this debt they forcefully took payments from my checks. I did not pay them they stole money from me with the fraud.
Consumer complaint received 2024-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I fell behind on my payments and contacted the bank to request assistance. I was advised to apply for a modification, which I did in XXXX of XXXX. After several applications and inches of documentation sent, I was notified on XX/XX/XXXX, that my modification was not approved due to title issues. When I called to request information for a remedy the representative told me to call the county clerks office. I called back and spoke to someone in consumer lending who told me that my home equity was charged off in XXXX of XXXX. At that time, I had taken advantage of the forbearance that was offered to me. Upon loan reinstatement, the Home equity loan was showing on my statement as part of the modification balance. I never received separate billing or any calls, letters, anything. 
The agent I spoke to asked me if I wanted to set up a separate payment plan for the home equity loan. I asked why, if this was included on my statements as part of the modification from reinstatement after the forbearance. I was told that's what is required. 
I don't think he actually knew and was brisk and did not offer to get me to someone who could help me. 
Throughout this process, I have not received regular mortgage statements, but have been making payments including a lump sum payment on XX/XX/XXXX.
Consumer complaint received 2024-03-18
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc. (GA)

Climb loan is the service the name of the school is XXXX I had applied initially to get schooling for medical coding. To cancel my loan or pay for the amount of the classes I only took. I didnt complete the full program because of personal, financial Covid reasons. I signed up for the program in XXXX the program officially started in XXXX the fine print didnt list I would owe the full program amount nor could I cancel because of issues with the amount of the loan I requested the program was XXXX I requested XXXX expecting to get the help to pay for rent and supplies I was expecting to get help with paying for rent with my loan that was why I choose the school. I felt misled because this is what they advertised when I applied. no where in the description does XXXX state nor climb credit they dont help out with rent or other programs if your in a low budget program. I reached out for help multiple times to see when the rent help credit would kick in. My account was not technically fixed not until XX/XX/2024 they hit me with 2 late fees I never graduated from the program neither took any test. Honestly delete my loan or give me the funds I requested from the loan if I have to pay back XXXX just because of interest and youll error.
Consumer complaint received 2021-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on XXXX XXXX XXXX. XXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX )
Consumer complaint received 2021-12-20
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. (FL)

I have sent XXXX letters certified mail and have not received any original contracts. 

Also have not been removed and have been illegally reporting on my credit file and putting debt on my report and hurting me. 

For example XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX 

XXXX
Consumer complaint received 2021-12-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXX XXXX XXXX XXXXXXXX )