davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

This complaint is in reference to a previous CFPB complaint ref - XXXX, which was incorrectly closed without any resolution by Citi. 
1. Citi Executive Response Team responded to a previous CFPB complaint on XX/XX/XXXX. In their response, they did not address any of the original issues, and provided incorrect information. They provided the phone number of XXXX XXXX XXXX XXXX, which is in no way linked to their bank or this issue. They also closed the complaint without providing any resolutions. 
2. I called Citi for the 3rd time after receiving the email from the Citi Executive Response Team on XX/XX/XXXX at XXXX PM. The customer service rep, XXXX was highly uncooperative, and failed to even send text messages to verify identity. She was rude and did not attempt to resolve any issues.
Consumer complaint received 2020-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY ()

The new bill for XXXX arrived with an annual fee of {$390.00}. Usually, we receive a travel voucher for same amount with American Express travel to be used by XXXX. 
I am having difficulties getting paid through my work. I requested Amex Credit Team on the XX/XX/20 at XXXX ( XXXX ) to extend my time to pay the fee over 2 months without paying interest. She declined and advised me to pay it off monthly and pay interest or call up to have the interest removed after payment date. This would affect my credit ratings. I have been a customer of Amex for 33 years without a single default. I am also questioning their attitude towards their annual fees as the travel vouchers can not be used for an unforeseeable time. 
XXXX asked me to cancel my card if I was not happy with her answer, but I would still have to pay the fees, even though this fee is a fee paid in advance. I would have liked to keep my card but will cancel if they do not remove or defer the fees.
Consumer complaint received 2020-04-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C. (OH)

TRIDENT ASSET MANAGEMENT is Debt Parking Unvalidated Debt : TRIDENT ASSET MANAGEMENT is posting information on credit profiles that they have not validated nor had communications with my person before posting such updates on my credit report. The XXXX XXXX  and TRIDENT ASSET MANAGEMENT has in prior posted on my account and has failed to validate debt listed as XXXX XXXX XXXXXXXX XXXX XXXX and was forced to remove the record : On XX/XX/XXXX TRIDENT ASSET MANAGEMENT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX TRIDENT ASSET MANAGEMENT, Did post on my credit profile a unvalidated on my credit reports Collections without validation Dear, CFPB. I received information from my credit alerts that a company listed as TRIDENT ASSET MANAGEMENT, has placed negative information on my credit profile and is attempting to collect the listed alleged debt. 

Please advised TRIDENT ASSET MANAGEMENT, that I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. The original creditor is listed as Original creditor : XXXX XXXX XXXX  XXXX for which I have no knowledge of any account. I affirm that TRIDENT ASSET MANAGEMENT, is illegally attempting to collect an alleged debt and money that I do not owe. TRIDENT ASSET MANAGEMENT, has not allowed the consumer to validate the debt by providing a debt validate letter by law, and giving the consumer up to 30 days to review the claim and respond. As per the law, TRIDENT ASSET MANAGEMENT, shall cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter is being provided to the Consumer Financial Protection Bureau ( CFPB ) for full review of this illegal act of posting to my credit profile. The CFPB is authorized to investigate this matter and receive related information. If TRIDENT ASSET MANAGEMENT, fails to remove the entries does not comply with this letter, CFBP See complaint : XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE I may turn the matter over to an attorney. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-04-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Collection Services, Inc. (CA)

I went to XXXX  XXXX XXXX on XX/XX/XXXX, that say I owe a balance of {$830.00}. I do not have that amount of money I am a XXXX  XXXX who got furloughed by their job. I barely received this notice on XX/XX/XXXX. They did however give me 30 days to pay of this debt. I need help I dont know what to Im so young  and I dont want my credit score to drop how am I going to pay this debt if I dont have enough money.
Consumer complaint received 2020-04-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (OH)

XXXX had purchased my loan via XXXX XXXX aka XXXX years prior. In the original letter from XXXX I/we were told to continue payment as usual. I've always paid my mortgage every other week with XXXX. Now that I've continued to do so XXXX continually charges me late fees and I continuously receive notices that my payment is past due. My account is caught up and I am not late nor have I even been late with them. XXXX XXXX has interceded on my behalf before for the same issue. I'm requesting the late fees be removed and for them to update my records. XXXX receives their payment on time and in advance. I am paying them the same way I paid XXXX every other week. Have worked in the accounts payable department with XXXX I'm not understanding why it's difficult for this company to process payments accurately. If I need to forward bank statements from XXXX I will.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have filed three credit disputes with TransUnion in regards to a bankruptcy and associated accounts being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XXXX/XXXX/2020. I requested that they provide me the original documentation bearing my signature for this public record and all associated accounts or promptly delete. TransUnion responded to my last request. The response letter was dated XX/XX/2020. TransUnion stated, " Verified AS ACCURATE ''. However, they did not provide the original documentation bearing my signature as requested or provided their verification method each time I have disputed these inaccuracies.
Consumer complaint received 2020-04-11
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: NAVY FEDERAL CREDIT UNION (IL)

XXXX  received U.S.P.S. letter # XXXX on XX/XX/2020. This letter contained a sworn affidavit, XXXX police report and federal trade commission report declaring my having been made a victim of identity theft. As of XX/XX/XXXX, XXXX  has neither removed the items nor offered me any correspondence regarding the matter. I have not been able to speak to a representative and I am suffering damage from their inept business practices and refusal to comply to FCRA guidelines.
Consumer complaint received 2020-04-03
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (TN)

Last week ( XXXX/XXXX/2020 ) Advance Financial took my regular payment plus an additional {$18.00} then tried to charge me {$18.00} more. I went on my account and unauthorized the automatic payments. Yesterday ( XX/XX/2020 ) they attempted to charge me {$17.00} twice ( {$34.00} total ) but not getting anything because I'm poor. This morning, they proceeded to take my last {$10.00} then tried charging an additional {$7.00}.
Consumer complaint received 2020-04-03
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$30000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$97.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$1000.00}
Consumer complaint received 2024-04-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: BSI Financial Holdings, Inc. (TN)

I make my payments and they keep saying they are returned while the money is my account!!! Then adding late fees! On top of that they have not fixed my load which clearly states I only financing XXXX!!! Then continue to claim it was XXXX! Even after I sent the paperwork!
Consumer complaint received 2020-03-24
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KGW CORPORATION (IL)

I filed a complaint with Consumer Financial Protection Bureau on XXXX XXXX XXXX XXXX this company did not reply to my complaint instead they sold thus account to West Coast Realty Services. XXXX XXXX sent me a letter on XX/XX/2020 informing me this account had been assigned to West Coast Realty Services. I have not received any communications from this company and they have not returned any of call.
Consumer complaint received 2020-04-03
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX  XXXX {$840.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$500.00} XXXX XXXX XXXX {$1000.00} XXXX  XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX  XXXX {$5900.00} XXXX  XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX {$5500.00}
Consumer complaint received 2020-04-03
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-03-24
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)

Today XX/XX/20 I was made aware of an account that was opened in my name without my permission ; The only reason I found out about this account is because I applied for a credit card and I was not approved due to this account being in negative standing. The account is from a company called XXXX XXXX XXXX. I did not open that account and I did not allow anyone else to open that account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments made towards this account. I have filed a police report regarding this unauthorized account.
Consumer complaint received 2020-04-03
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX/XXXX  XXXX {$840.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$100.00} XXXX  XXXX {$500.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX  XXXX {$5900.00} XXXX  XXXX {$570.00} XXXX XXXX XXXX {$2600.00} XXXX/XXXX  XXXX {$410.00} XXXX  XXXX {$5500.00}
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (GA)

In XXXX of 2017 Comenity Bank/Victoria put a late payment on my account. This was an auto bill pay issue and the bank recognized this on their end. They told me that they will correct the issue but have failed to do so. This account still shows late pay and popped up on the two other credit bureaus and has greatly lowered my score.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MO)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) XXXX, ( 2 ) XXXX XXXXXXXX, ( 3 ) XXXX XXXX, ( 4 ) XXXXXXXX XXXX, ( 5 ) XXXX XXXX XXXX , ( 6 ) XXXX XXXX, ( 7 ) XXXX XXXX XXXXXXXX, ( 8 ) XXXX XXXX XXXX , ( 9 ) XXXX XXXX XXXX , ( 10 ) XXXX XXXX, ( 11 ) XXXX XXXX XXXX, ( 12 ) XXXX XXXX XXXXXXXX , ( 13 ) XXXX XXXX, ( 14 ) XXXX XXXX XXXX ( 15 ) XXXX XXXX  , ( 16 ) XXXX XXXXXXXX, ( 17 ) XXXX XXXX, ( 18 ) XXXX XXXX. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( a ) ( 5 ) Section States, no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2020-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

I have filed three credit disputes with Equifax in regards to unverified hard inquiries and a foreclosure being reported on my consumer credit report. My last notarized and certified request was dated XX/XX/2020. I requested that they provide me the original documentation bearing my signature for 25 hard inquiries and foreclosure or promptly delete as required under Section 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Equifax responded to my last request. The response letter was dated XX/XX/2020. Equifax stated on pages 3 and 4 the following to each inquiry, " Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. '' They stated on page 5 that the foreclosure was verified and updated. This is unlawful and clear violations of the FCRA. 

The reporting company/agency who is reporting these inquires/accounts must have original documentation or proof on file bearing the consumer 's consent. In this case, Equifax has failed to provide this proof on at least three occasions. They did not provide me with the original documentation bearing my signature from their file or their method of verification. They are merely avoiding the verification process. These are clear violations of the FCRA. TransUnion did the right thing and promptly deleted this same foreclosure that is in question. I have attached their response letter as verification. 
I have all the dispute letters, certified mailing receipts and response letters from this company.
Consumer complaint received 2020-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A. (PA)

I have been trying to get ahold of the company for 2 weeks I'm out of work because of the virus. I made a good-faith effort of paying some of the bill this month and they charged me a {$28.00} late fee. In the past I have tried to get them to set up a program with me and they won't they won't answer my emails I I've been trying to call them and I just get booted off hung up on because they say it's too busy. I did some research and on the web it says that if you are persistent and call several times they will work with you and set up a lower monthly payment but they will not help me
Consumer complaint received 2019-04-15
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. (MO)

To the three ( 3 ) major credit reporting agencies, please remove these accounts from my credit report, I have no relations to the following accounts, no contract, nor any knowledge of these accounts whatsoever. I'm demanding that they either be removed or verified by certified physical documentation. XXXX XXXX XXXX {$3600.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$470.00}, please delete the above accounts from my report.
Consumer complaint received 2019-04-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

As most people are I was odviously out of sorts when they rushed me to XXXX in a XXXX   XXXX after a car accident at the rime i had full coverage platinum PPO with XXXX XXXX XXXX  Subscriber ID XXXX. See attached copy of claim during same time period., I ahve made several attemots to get this debt collecvter from stoppinf its collection efforts and removing the invalid debt from my credit. My insurance fully covers such an expense.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
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 2020-03-24
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)

Today XX/XX/20 I was made aware of an account that was opened in my name without my permission ; The only reason I found out about this account is because I applied for a credit card and I was not approved due to this account being in negative standing. The account is from a company called XXXX XXXX XXXX. I did not open that account and I did not allow anyone else to open that account in my name. I did not benefit anything from this account such as money, goods, services or any other benefit nor did I ever make any payments made towards this account. I have filed a police report regarding this unauthorized account.
Consumer complaint received 2020-04-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK (NJ)

I wrote two ( 2 ) letters to Mr. XXXX the CEO of Discover Card and two ( 2 ) complaints to the CFPB that because of the coronavirus I can not at present make payments! Not a word from him or Discover Card. In the last two ( 2 ) days there have been two ( 2 ) more dunning telephone calls! THIS IS AN OUTRAGE! And it shows that he and his company are being unpatriotic and un-American at this time when so many millions of Americans, including me, are because fo the coronavirus unable to pay their bills! Shame on him and his company! Even the IRS has moved the tax deadline from XX/XX/XXXX to XX/XX/XXXX. He can XXXX well follow suit!