davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CITIBANK, N.A. (FL)

I had negotiated a settlement with Citibank. Despite making two payments to them and receiving several correspondence that my account was fine, " out of the blue '' I started to receive what, in my opinion, is harassing phone calls form Citibank AND a debt collection agency THEY contacted in regards to my account. I made numerous and repeated attempts to contact Citibank. But, either the call gets transferred to departments that are closed or there is outright reluctance from the Citibank representative to address and fix the issue. Additionally, when I asked the most recent representatives I spoke with, " XXXX and XXXX, for their full names, they denied, saying " Company policy. " This has been very taxing on me emotionally.
Consumer complaint received 2022-01-31
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. (NV)

Someone stole my identity and applied to many different credit card company 's using my information. These inquiries are on my credit report due to the fraud taking place. I contacted the credit card company 's and reported the fraud but the inquiries are still on my TransUnion credit report. They said I need to contact the XXXX XXXX XXXX and get a report. When I tried that I was sent to XXXX website. TransUnion also told me to get a deletion letter from the credit card company 's so they will remove the fraudulent inquiries from my credit report. One of the fraudulent inquiries is from XXXX Bank on XXXX XXXX ( XXXX ) XXXX the other is XXXX XXXX on XXXX XXXX ( XXXX ) XXXX.
Consumer complaint received 2023-02-20
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MA)

I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (IL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear, Equifax Re XXXX This is not a regular dispute. Take action immediately you are in violation. 

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. 

As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible. 

1. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed. 




Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SSN : SS # : 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 : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
Consumer complaint received 2021-04-21
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 — Investigation took more than 30 days
Company: Colony Brands, Inc. (IL)

INFORMATION IN MY CREDIT REPORT IS INACCURATE, OBSOLETE, INCORRECT, UNVERIFIED, UNPROVEN AND NON COMPLIANT!! THIS INVESTIGATION WELL OVER 30 DAY 'S NO UPDATES REMOVE ACCOUNTS!!
Consumer complaint received 2021-04-21
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. (TX)

remove fcra violations : XXXX  XXXX XXXX XXXX This request can not be processed online. XXXX  maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: BAM Management US Holdings Inc. (LA)

On XX/XX/21 I attempted to deposit {$500.00} into my Binance.us account via the XXXX app. Upon hitting submit I received an error message that said that there was a network failure. I attempted to submit the transaction a second time and again received a network failure message. I then returned to the dashboard page of the app and saw that both transactions had actually processed. I immediately attempted to contact via the only means available, a form in their help section and received a template troubleshooting email in response. All other attempts to contact the company to rectify the problem have failed or been ignored by Binance.us.
Consumer complaint received 2021-04-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PNC Bank N.A. (NC)

On XX/XX/2021 I received a letter from PNC Bank in the mail indicating that 3 accounts had been opened on XX/XX/XXXX. I received a separate envelope with a virtual wallet debit card. I had not opened an account with them and have never had a relationship with them. 

On XX/XX/2021 I called the PNC customer support phone number XXXX and reported the accounts as opened fraudulently. The person on the phone did not seem interested at all in the issue and would not give me any information. Upon my insistence, she said someone in the complaints dept. would contact me in a few days. 

On XX/XX/2021 i received a voicemail from the retail support group on behalf of XXXX XXXX, with a phone number ( XXXX ) XXXX. I called the number back the same day and left a message indicating I was returning a call. 

On XX/XX/2021 I received a call back from XXXX XXXX. He indicated that he needed to verify my identity and would send a text ... to the phone number he had just called me on ... and would need me to give him the PIN. Hi then placed me on hold and I received the following text : PNC will not call and ask for your passcode or your online banking login info. Your code is XXXX So naturally I asked, why does this say PNC wont call me to ask for this code ... but you are calling to ask for this code? He got XXXX, indicated that he was very busy, and demanded that I give him the code or he would not be able to help me. I asked for His direct phone number. He gave me the same phone number from the voicemail on XX/XX/2021. This phone number is not registered to PNC. It is registered to someone named XXXX XXXX in XXXX, PA. 

I hung up and drove to a branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. When I arrived I asked for help to set up online banking for the fraudulent accounts. The branch manager would not give me any of my account details, but indicated that there was no history on the account of my previous reports that the accounts were fraudulent. There was no note to close the accounts, despite multiple contacts with the company customer service that should have initiated this. He suggested I file a police report, which I did. 

As far as I know, the accounts are still open but I am not able to access them.
Consumer complaint received 2021-04-21
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (LA)

On my credit its showing I missed a payment in XX/XX/2020. I have never missed a payment ever or been late. But I did a forbearance for 3 months. That would be XXXX, XXXX and XXXX. I was dealing with a miss XXXX.XXXX At the time. I called multiple times and XXXX XXXX  said everything looks good on their side. I tried to talk to a credit to dispute but I cant.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (SC)

The servicing company show a balance of {$10000.00} on my mortgage after the maturity date of XXXX XX/XX/2021. This would mean that I had missed 2 years of payments. I did not have any modification to my original loan agreement. i was approved for 2 times for deferment payments totaling {$2500.00}. As of the XX/XX/2021 statement I mailed in the XXXX P & I payment and the deferred amount of {$2500.00} for a total of {$3100.00}. This should have satisfied the account. Prior to the maturity of the loan, i made numerous contact with the prior servicing company, Ditech, and the current servicing company, Shellpoint. Neither has given proof showing 2 years of the missing payments nor any legal documents showing that there was a modification to the loan that would validate the balance in question. The payment documents provided by the companies do not show 2 years of missing payments but only the deferred payments.
Consumer complaint received 2021-04-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

President Trump sent emails about the moratoriums that were in place because of covid-19 and that all foreclosure sales and hearings were set aside until XX/XX/2021. Every foreclosure sale and hearing was set aside XXXX in the XXXX judicial circuit except XXXX XXXX. This caused XXXX XXXX to sell my home of 31 years to XXXX for XXXX on XXXX. The chief Judge, XXXX XXXX presiding at the time allowed this to happen. Judge XXXX XXXX wouldnt allow me to introduce emails I received from the White house signed by President Trump in any hearing as evidence. The presiding Chief Judge XXXX XXXX honor my request to recuse himself but dishonored my request to change venue. XXXX appointed Judge XXXX XXXX to honor a writ of possession fir the XXXX XXXX to remove my grandson and myself on XXXX from XXXX XXXX XXXX XXXX. The new moratorium that now in place and these judges dishonoring a presidential moratorium order set themselves each up to be charged XXXX fine plus a year in jail. All of them basically stated that the covid-19 pandemic affected everyone in the United States except XXXX XXXX.
Consumer complaint received 2021-04-20
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: EQUIFAX, INC. (CA)

There are 12 accounts on my credit report That I have been disputing since XX/XX/2020 I have sent police reports FTC and everything else which I cant upload now since I am using another computer and I dont have the files with me but nothing has been done by the bureaus I dont know how else to say THESE ARE NOT MY ACCOUNTS I HAVE NOT OPENED USED OR EVEN KNOW WHAT THESE ACCOUNTS ARE AND HOW THEY GOT ON MY REPORT. I am at my wits end and I dont know how else to come across to the bureaus but this is not fair and this extra stress is really getting to me I need help!!! 

Account Name : XXXX XXXX SVCS XXXX Account Number : XXXX Account Name : JPMCB CARD Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2022-01-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mnet Financial Inc (NJ)

Today, XX/XX/22, XXXX from Mnet Financial called me, stating I had unpaid medical debt and that I had to pay more than I was paying or it would go into their collections. ( I am in pre collection ) when this originally started the first representative told me to make an account and I could monitor everything online. We'll after several attempts, and the account never working, I had to call them back, and another representative sent me " coupons '' and told me there was one for every month till I paid the debt as I couldn't only afford {$25.00} a month. By the well if you look up the company you'll see I'm not the only one scammed out of being able to use their website. So they never sent me a statement or anything to verify my debt or balance. I paid my payments on time every month for almost 3 years. XXXX lies to me and tells me they are only allowed to send one year of coupons. But I state that can't be true as I have been paying for years. XXXX then says, she was mistaken it could be a year and a half. Again a lie as I'm almost at 3 years. She then threatens that if I don't get my remaining debt resolved in a year it will go into collection. I respond how I've paid on-time and I'm never late. And I would like a statement to verify this, since I was under the impression that I had recently paid it off after going through all the coupons. At which point XXXX says I have been paying this debt for almost 3 years and I have to pay it off within a year now. So I called her out, that she just said I've bee. Paying it for 3 years, but earlier stated I was only able to get a year and then a year and a half of coupons. And I said if I only got the coupons in the beginning and I've been paying for 3 years that makes your earlier statement a lie again. Now she's claiming she never said it and is getting loud and aggressive in her speech and tone.i asked to speak with a manager and was denied. I asked for a written statement of what I Owen and proof that I owe it and was denied. So I have no idea if I really owe any debt at all. AND XXXX who would not give me her last name, lying to me multiple times, and changing the story. If I do I fact owe this money, and I am a good payer, always paying my bill on time, why can't they verify it with written documentation?
Consumer complaint received 2023-06-29
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. (FL)

PLEASE DELETE THE ACCOUNTS ATTATCH TO THE DOCUMENTS ABOVE AND I'LL REALLY APPRECIETED THE ASAP RESPONSE TO MY REUEST AND IT'S NOT MINE.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BAM Management US Holdings Inc. (IL)

Binance as a whole does not help anyone with anything. They have never stopped tweeting, advertising, gloating and talking on all social medias, but tell the people waiting on their terrible horrnedous customer support that they are " on it ''. I am out XXXX of investing money for 2 months now without any end in sight. Complete joke of a company that has a value XXXX XXXX. 
I sent stellar Lumens to XXXX without a memo, so it goes into a fund that sits and waits until you claim it. I have done just that to no avail. 
My username is XXXX on binanceus I have provided them the transactions, video of me saying what they wanted me to say, the balance, EVERYTHING. Need someone with some sort of power to let them know this isn't ok and that we want our money NOW.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

Today XX/XX/21 was the last day I spoke with XXXX XXXX about a lost reverse payment amount of {$7200.00} and after speaking with Discover Card. Discover card they said XXXX XXXX needs to do an investigation of the lost check with Discover Card and then Discover card would look into this matter. Then I called XXXX who said their Bank Operations Dept said I needed to tell Discover Card to initiate sending documents about what they did with the reverse check. Discover Card said XXXX needed to do this and XXXX said it was against their policy to do anything. I called Discover Card back and after being placed on hold my phone was disconnected. I got the impression Discover Card didn't want to help and just disconnected my phone from them. Both companies to me are really incompetent and don't know how to help their customers. I have been calling XXXX XXXX XXXX and Discover Card to no avail for 3 weeks. Personally I believe both companies are incompetent. I really need help in getting XXXX to credit my {$7200.00} back. Both of these companies are just giving me the run around. Also, XXXX XXXX is not even giving me credit for this mistake and I have a {$5900.00} negative balance and they reported that I was overlimit to XXXX  Discover Card needs to research and find out why XXXX XXXX  didn't receive their return check for {$7200.00}. Both companies have poor customer service depts. I can no longer deal with either company. I need your help. XXXX XXXX
Consumer complaint received 2021-04-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (NJ)

On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. 
Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with CAPITAL MANAGEMENT SERVICES LLP.
Consumer complaint received 2021-01-12
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. (MI)

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I am very disappointed. Remove this fraud account at once.
Consumer complaint received 2021-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (TX)

The account is not my account and I have never had any business with Credit Management LP. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Consumer complaint received 2023-02-20
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. (SC)

On XXXX XXXX2023 XXXX Trans union Consumer Solutions, and XXXX XXXX XXXX XXXX, allowed XXXX XXXX XXXX XXXX, to place an unknown collections account on my credit report. First the company XXXX XXXX XXXX XXXX has no legal standings to collect on such alleged debt. There was no written notification regarding the alleged debt provided to me, the consumer. This is a Violation of the Fair Debt Collection Practices Act ( FDCPA ). This needs to be removed from the credit report immediately.