davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (VA)

I have been trying to contact someone within Citi to help me for days. I have called multiple times and no one can resolve this issue. There was a hold up on my mortgage loan and I found out last week it was because Citi has a note in an old credit card account " Account disputed by customer ''. The XXXX bureaus all said no dispute on their end. To resolve this, I have to call Citi to get those notes removed and get a letter for my mortgage lender. I can't get my loan because Citi will not help. Citi first said, even if we could give you a letter to show there's no dispute, it would take XXXX business days by mail, we can not email or fax the letter. Then Citi said they can't help at all, there is no such letter. Then Citi said their back office may be able to help get a letter emailed to me. The letter has never came and I think that Customer Service acts like they're unsure of even what I am talking about. 

I am not disputing anything and to my knowledge, I never did. Citi has my entire life on hold because of these dispute remarks in my credit report. I worked since the end of XXXX to get a home loan and found out now, unless they send proof that there is no open dispute, which they did already verify with me by phone, I can never get a mortgage loan. I needed the letter days ago and the mortgage lender is going to close my file. I can not get Citi to send anything for me to provide to my mortgage lender. Citi knows they are holding me up and keeping me from getting a mortgage refinance that would help me greatly financially and they don't even care. It's like they are doing this intentionally to be spiteful with me.
Consumer complaint received 2017-02-22
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Bread Financial Holdings, Inc. (FL)

I recently reviewed my credit report and observed that COMENITY BANK CONDUCTED A HARD HIT INQUIRY ON MY CREDIT REPORT THAT I DONT RECALL AUTHORIZING. I am requesting COMENITY BANK to provide me physical proof that I authorized the inquiry. If the fail to provide me physical proof of my authorization COMENITY BANK NEEDS TO CONTACT XXXX, XXXX, & XXXX and remove the inquiries.
Consumer complaint received 2019-12-30
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. (RI)

In XX/XX/2019 i filed an ftc ID theft affidavit to have certain fraudulent items on my credit report blocked in accordance with the fcra. The bureaus blocked the information but now one of the accounts has re-appeared on my experian report. This account was blocked for the last 6 months and randomly is back on my report. I resent them my FTC documents and letter to have it blocked, however Experian is still reporting this item and is showing up on my reports now for some reason. This is a violation of the FCRA and I want it resolved immediately.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (MI)

Received a Request and Written for Garnishment from the State of Michigan Judical District Judical Circuit from a 3rd Party trying to garnish income tax refund/credit. This was on XX/XX/2011. This old debt from a 3rd party is Past the Statue of Limitation in MIchigan. According to Michigan law, your creditor has up to 6 years ( from the date of your last payment ) to collect on a debt, including obtaining a judgment on the debt. This is old charge off and these 3rd Parties still think they can get money off a old debt, which I don't even recognize. They can keep filing with the courts and get granted but I will NOT be paying a 3rd Party, as I don't know this bill and has been a charge off!!
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Performant Financial Corporation (MA)

I wanted to report that this company Performant Recovery was calling my co-workers on their personal cell phones in the evenings to get information about me. My co-workers gave me the numbers that the company was calling from so I contacted them to find out what this was about and they are a debt collection company. Long story short, they had the wrong person, I don't owe anybody anything, but they were incredibly rude on the phone. My understanding is that it is not legal to contact people 's co-workers at home in order to get information about them, which is what they were doing. They were asking from my social security number, address and phone number but wouldn't tell my co-workers what this was about. They never tried to contact me at work or home, although they claimed that they did. I'm in the phone book and they also had my work number but never called me there. When I finally convinced them on the phone that they had the wrong XXXX XXXX ( my name ) they told me basically it was my fault for having such a " common name ''. It's very upsetting to know that your co-workers are being contacted by someone looking for information about you but not knowing why. Especially since they had the wrong person.
Consumer complaint received 2023-03-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Klarna AB (TX)

Hello. I placed XXXX separate orders from different stores using Klarna. I was behind on payments and was given until XX/XX/2023 to pay the balance on XXXX of the orders & XX/XX/2023 for the last order. I owed them a total of {$820.00}. On XX/XX/2023, I initiated payment for all orders for a total of {$820.00}, which posted to my bank account on XX/XX/2023. My payments weren't shown on Klarna 's app so I contacted them via chat and the agent stated they received my payment & it will reflect on their app within a week. Unfortunately, they deleted this chat before I could take screenshots. 
On XX/XX/2023 I then noticed XXXX more charges from Klarna & then XXXX more charges on XX/XX/2023 ( that I did not owe ). I contacted them again and they informed me a refund will be issued within 10 days. Again I did not screenshot this because I did not think I would be going through this. 
On XXXX XXXX I received XXXX emails from XXXX, a debt collection agency, stating I owe Klarna a debt. I disputed them immediately and contacted Klarna. I spoke with XXXX Klarna agents, XXXX on chat on their app and the other XXXX the phone. They both told me my orders were sent to collections and to contact XXXX. They're both claiming to not see my {$820.00} payment. The woman on the phone hung up in my face as I was expressing my concern. Klarna then blocked my account so I am unable to contact them via app. 
XXXX is a screenshot from my conversation with klarna on XXXX XXXX after i seen the extra charges on my account* *Other screenshots from Klarna 's chat were after I was hung up on via phone call XX/XX/2023 so I was very frustrated as you may see*
Consumer complaint received 2022-06-01
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. (IL)

TRANSUNION XXXX & XXXX : 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 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 XXXXXXXX XXXX XXXX : XXXX XXXX XXXX ; XXXX & XXXX XXXX EACH company XXXXs in violation of my rights by LAW !

15 USC 1681 602 A I have the right to privacy 15 USC 1681 604 2 no consumers reporting agency has written instructions from me the consumer on what is to be displayed.

15 USC 1681c requirements to the information contained in a consumer report. I requested for all accounts to be remove only my correct information should be displayed
Consumer complaint received 2019-09-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (FL)

I need to have my alleged debt with COMMONWEALTH FINANCIAL SYSTEMS addressed regarding their practice of illegally re-aging my collection account in an effort to cause undo financial hardship on me. This seems to be a common practice with today 's debt collectors where they buy a debt that has aged out and then re-report it on your credit as of the date they purchased it. The account in question has passed any/all time limitations. This Company should be investigated for their practices not only in my case but in all the consumers they have affected.
Consumer complaint received 2019-09-13
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. (NJ)

Collection agency : XXXX XXXX XXXX Account # XXXX According to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to verify through the physical verification of the original signed consumer contract or remove the account from my credit report. not a bill or an invoice of a bill.
Consumer complaint received 2019-09-13
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. (NJ)

Collection agency : XXXX XXXX XXXX Account # XXXX According to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) the credit bureaus are required to verify through the physical verification of the original signed consumer contract or remove the account from my credit report. not a bill or an invoice of a bill.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-03-14
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. (TX)

I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Consumer complaint received 2019-12-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've sent a letter to the credit bureau around XX/XX/XXXX and never received a response. It's as if they are ignoring my requests and violating my FCRA rights by not investigating the inaccurate information on my credit report. This is extremely frustrating and stopping me from pursuing my dreams of home ownership. Why are they doing this to me? I just want them to respond or remove the inaccurate information.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

Regards
Consumer complaint received 2022-10-17
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. (GA)

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX Account # XXXX. XXXX  XXXX XXXX account # XXXX XXXX XXXX XXXX Account # XXXX The above have violated my rights. 

15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2016-04-05
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Finance Company, Inc. (CO)

I have asked the collection company for verification of debt multiple times. I have asked for signed documentation by me, XXXX XXXX, that the debt is in fact mine. The collection company has refused to send me any documentation showing that the debt is in fact mine. The collection company has refused to speak with me because they believe I have an attorney. I have spoke with my bankruptcy attorney to get documentation for the bankruptcy and the listing of PFC on the bankruptcy and that is the only contact I have had with an attorney. I was making monthly payments on the account until I realized I am already paying the debt with another collection company. I believe that the debt is not my debt and can not prove that it is or is not because PFC refuses to give me any documentation that the debt is in fact my debt. I would like a statement of account, and admission agreement or authorization of service on my account, proving that the account is in fact my account.
Consumer complaint received 2016-01-26
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Bliksum, LLC (CA)

I was in need of money to make my rent payment and was referred to the attached web address : XXXX As you note. Apr was advertised as 11.36 % Apr on web page attached and used to solicit my borrowing at zero percent interest for 7 days. 

With receipt of funds I am now being told that my APR is in nearly 140 %, I bevel this predatory lending is illegal and believe that it is in violation of the Consumer protection laws recently passed. 

See attached Notice and settlement information I am now receiving from this lender. 

XXXX XXXX The web page in now way describes this loan and appears to be some sort of bate and switch plan to trap consumers in need. 
I believe this is very much exactly what the CFPB has done to protect consumers from such predatory activity. 

My phone number is XXXX XXXX XXXX I am a California Resident and I am unable to pay these usery amounts. 

In violation of the California Constitution Article 13 Usury.
Consumer complaint received 2022-10-01
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. (TX)

Transunion removed XXXX  off my credit report I filed the same thing wit XXXX  and XXXX  but they havent removed those negative nor fraudulent claims off of there they just keep updating the wrong information wit the right information and dragging my credit if the accounts are closed due to fraudulent why they wont remove them its not fair that Im a victim of fraud and identity theft and nobody cares Im trying to get this removed or help on how I done gave them police report number and all
Consumer complaint received 2022-10-01
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. (NC)

Online IN XXXX  Account XXXX US Dept ED Account XXXX XXXX XXXX  Account XXXX n accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-11-27
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: EQUIFAX, INC. (PA)

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 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 2019-09-13
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2019 I applied for a heloc loan, I have well over 100k equity in my home, I checked my credit with the three credit bureau, TransUnion, XXXX, XXXX XXXXXXXX, XXXX XXXX, I was denied credit by Trans union that said my score was XXXX. 
I believe these places are giving one number to people on line, trying to sell their service but with the bank calls they give another number. 
I'm sure this is not the first time you have had this complaint. 
the bank id is : XXXX, but it's the trans union people
Consumer complaint received 2015-08-15
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Servis One, Inc., Titusville, PA Branch (TX)

XX/XX/2015To whom it concernsI applied for the HAMP application XXXX XXXX, 2015. I sent the application XXXX ways. I sent it by email to a BSI Financial Services and to their XXXX office. It was later determined that the information was not being processed and had been sitting in someone 's inbox. I resent the information on XXXX XXXX. I received a confirmation letter on XXXX XXXX that all of the information was being processed. The loan information was transferred from one representative to another on XXXX XXXX. My wife and I have been calling ever since. 
Here are the days that we called or correspondedXX/XX/2015 - My wife left a XXXX XXXX am - spoke with Supervisor. Verified all documents were received and that load was reassigned from one rep to anotherXX/XX/2015 - Left voicemail for repXX/XX/2015 - Left voicemail for repXX/XX/2015 - I called and left messageXX/XX/2015 - Spoke with supervisor again XXXX : everything filed on XXXX/XXXX/2015 and it take XXXX days. Normal process is XXXX days but they are backed upXX/XX/2015 - left voicemailI am just a little frustrated with the process because what normally should have happened by XXXX XXXX has spilled over into XX/XX/XXXX. I.e a XXXX day process is not has now been XXXX days and still no response whether we have been approved for the HAMP. Please helpThanks
Consumer complaint received 2017-03-19
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Firstsource Business Process Services, LLC (CA)

XXXX is using multiple debt collection services and continues to collect on an invoice that has already been paid. 
In 2016, the used XXXX from GA and now they switched to Firstsource Advantage LLC. There have been other collection services involved as well, however, I do not have access to the paper any more. 

In all these cases, we provided the sufficient evidence that the payment has been made. XXXX seems to ignore that information and is switching to another debt collection agency.
Consumer complaint received 2022-02-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (TX)

I received a letter in the mail from : Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX www.credit-control.com It alleges I had a debt in XXXX with XXXX XXXX XXXX in the amount of {$7200.00} of which I allegedly owe {$16.00}, XXXX. XXXX XXXX YEARS AGO, ARE YOU KIDDING ME. 

I have never had a debt with this company. I pay all bills on time every time. I have lived at the same residence for the last 12 years and not ever received this sort of notification, and my credit report as of XXXX of XXXX does not reflect this debt. 

I do not want to communicate with this company because I think it is a scam of some sort, and want your guidance and/or assistance in this matter. 

XXXX XXXX XXXX
Consumer complaint received 2019-09-13
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. (MO)

I'm a victim of identity theft, I've also a victim of the XXXX  data breach. Accounts has been opened up in my name inwhich I have no knowledge of. In particular the following accounts are not mines, therefore I'm asking that they be removed or support by certified physical documentation. Please remove the following accounts. 

1. XXXX XXXX {$12.00} 2. XXXX XXXX XXXX {$130.00}