davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (FL)

I have an account for collection from a XXXX account that I'm not aware. I've been victim of id theft and several accounts have been opened in my name. I have a credit freeze since XX/XX/XXXX to avoid this situation, however, XXXX have been opening accounts in my name. This same account was deleted XX/XX/XXXX thru other collection agency.
Consumer complaint received 2022-09-14
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A. (CA)

Hello my name is XXXX XXXX my property is located AT XXXX XXXX XXXX XXXX CA XXXX. I recently put in a application with the Mortgage relief for homeowners and they keep asking me for the same document I've loaded over 5 times for them. please help I'm running out of time.
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

I am experiencing repeated FRAUD, involving my checking and savings accounts, with {$150.00} dollars unaccounted for, involving my checking account, during the past four days, and inability to use my ATM debit card, suggesting both THIEVERY, EMBEZZLEMENT and FRAUD.
Consumer complaint received 2022-12-23
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. (NY)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2019-12-06
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. (NY)

I am disputing the following accounts with XXXX  Equifax, and XXXX  because i have been victim of identity thief : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report.
Consumer complaint received 2020-03-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (FL)

I called XXXX on XX/XX/2019 and spoke to customer service representative XXXX employee reference # XXXX. Then spoke to XXXX. Then spoke to XXXX in billing XX/XX/2019. Then spoke to XXXX and XXXX and XXXX XX/XX/2019 concerning Internet service because that's the only account I have with XXXX. 

Also, to straighten out I didn't have a cell phone account with them that they had intermingled my Internet with someone's cell bill. 

They claimed it was corrected now a year later I get a bill for a cell phone that I never had and was cleared up in 2019.
Consumer complaint received 2020-03-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (NJ)

I have already paid at least XXXX for the vehicle, I believe 2016 XXXX XXXX. the repossessed the car in the middle of the night, and sold it for XXXX they are reporting on my credit report I owe them XXXX please help me. Santander Consumer USA. My last name was XXXX at the time. ( divorced now ). 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Nj XXXX
Consumer complaint received 2023-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

I had a account with Wells Fargo and fraud was done and they ended up closing my account saying it's my fault kept the money that was missing and a year half later I receive a check tell me this money is owed to me due to there error I didn't cash right away I received two more letters telling me to cash it and since they closed my account I had hardships with paying my bills got late fees they were wrong and they knew it and no ther banks would bank with me cause of them putting up a block with check sytem
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION (AL)

On XX/XX/2020 I had over XXXX in my account I kept getting charged a {$35.00} fee then started getting charged a {$500.00} holding fee which I never understood. I would log in to check my balance and it would show XXXX for a return holding fee that was tooken from my account and was never returned they next day XX/XX/2020 I checked my account and had 2 - {$500.00} for a return fee regions was taking my money I ended up closing my account and never opened another regions I was told to dispute the transactions and I would recieve my money back its been almost 2 years and I never gotten a penny back over XXXX of hard earn money tooken from me from a bank that I thought I could trust.
Consumer complaint received 2023-02-10
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-03-02
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)

THE DEPT OF EDUCATION IS REPORTING 2-3 LOANS PER BUREAU ON THE BIG 3 CREDIT BUREAUS. ( acct no. 's XXXX ) ALL ARE INCONSISTENT BETWEEN THE 3.ALL ARE INACCURATE.ALL ARE REPEATEDLY VERIFIED AS CORRECT BY ALL THREE BUREAUS.THE BUREAUS ARE RESPONSIBLE AND FINANCIALLY LIABLE TO ME FOR 100 'S OF THOUSANDS OF DOLLARS IN CREDIT DAMAGE ( which i will sue for, if not remedied ) .THE BUREAUS ARE AWARE THAT 2ND IN COMMAND, OUTGOING COO OF THE DEPT OF ED SAYS " THE STUDENT LOANS ARE AN ABOMINATION.THAT THE DEPT OF ED IS THE LARGEST MOST IRRESPONSIBLE CREDITOR IN THE UNITED STATES.THAT THE DEPT OF ED GETS 5000000 REQUESTS FOR CREDIT CORRECTION PER MONTH AND THAT MOST ARE INACCURATE. '' ALL 3 OF MY LOANS WERE NEGATIVE, NOT CURRENT, NOT BROUGHT CURRENT AND REPORTING NEGATIVELY FOR MORE THAN 7 YEARS IN DEFAULT, LAST PAYMENT MADE XXXX XXXX MONTHS AGO I BEGAN WORKING WITH THE DEPT BUT PRIOR NONE OF THESE LOANS HAD A LEGAL RIGHT TO REPORT ACCORDING TO THE 7 YEAR STATUTE OF LIMITATIONS IN THE FCRA. 
I HAVE ATTACHED THE COO INTERVIEW, YOU CAN FIND HIS LIVE AUDIO ONLINE WITH HIS XX/XX/2019 ABANDONMENT OF THE DEPT OF EDUCATION. 
ALL BUREAUS ARE LIABLE BECAUSE THEY KNOW THAT THE DEPT OF EDUCATION IS REPORTING AND VERIFYING FRAUDULENTLY TODAY AND ON A REGULAR BASIS.
Consumer complaint received 2019-12-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc. (OH)

My car lease was for 3 years. When I returned my car at the end of the lease the GM Inspector said he has never seen such a pristine looking car in all the 20 years he has been inspecting. I realize that there was a Disposition fee and the end of the lease thinking they would take in to consideration on how clean the car was when it was returned but when I received the bill they wanted the entire balance paid with in 2 weeks.. XXXX is 2 weeks away and I'm on a fixed budget. I pleaded with them to make payment arrangements. The balance is {$520.00}. This money was for my children 's XXXX. We are not rich and can not possible make that payment. They offered to cut it in half. Pay {$260.00} today and the remainder the following month, but added another {$10.00} fee! Who is running this company ... MR.XXXX??
Consumer complaint received 2020-03-02
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. (CA)

THE DEPT OF EDUCATION IS REPORTING 2-3 LOANS PER BUREAU ON THE BIG 3 CREDIT BUREAUS. ( acct no. 's XXXX ) ALL ARE INCONSISTENT BETWEEN THE 3.ALL ARE INACCURATE.ALL ARE REPEATEDLY VERIFIED AS CORRECT BY ALL THREE BUREAUS.THE BUREAUS ARE RESPONSIBLE AND FINANCIALLY LIABLE TO ME FOR 100 'S OF THOUSANDS OF DOLLARS IN CREDIT DAMAGE ( which i will sue for, if not remedied ) .THE BUREAUS ARE AWARE THAT 2ND IN COMMAND, OUTGOING COO OF THE DEPT OF ED SAYS " THE STUDENT LOANS ARE AN ABOMINATION.THAT THE DEPT OF ED IS THE LARGEST MOST IRRESPONSIBLE CREDITOR IN THE UNITED STATES.THAT THE DEPT OF ED GETS 5000000 REQUESTS FOR CREDIT CORRECTION PER MONTH AND THAT MOST ARE INACCURATE. '' ALL 3 OF MY LOANS WERE NEGATIVE, NOT CURRENT, NOT BROUGHT CURRENT AND REPORTING NEGATIVELY FOR MORE THAN 7 YEARS IN DEFAULT, LAST PAYMENT MADE XXXX XXXX MONTHS AGO I BEGAN WORKING WITH THE DEPT BUT PRIOR NONE OF THESE LOANS HAD A LEGAL RIGHT TO REPORT ACCORDING TO THE 7 YEAR STATUTE OF LIMITATIONS IN THE FCRA. 
I HAVE ATTACHED THE COO INTERVIEW, YOU CAN FIND HIS LIVE AUDIO ONLINE WITH HIS XX/XX/2019 ABANDONMENT OF THE DEPT OF EDUCATION. 
ALL BUREAUS ARE LIABLE BECAUSE THEY KNOW THAT THE DEPT OF EDUCATION IS REPORTING AND VERIFYING FRAUDULENTLY TODAY AND ON A REGULAR BASIS.
Consumer complaint received 2022-12-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (LA)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Management , LP XXXX XXXXXXXX, for committing identity theft. I have never given Credit Management , LP XXXXXXXX, XXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Credit Management , LP XXXX, XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/22, I have not received any documentary evidence, such as a trilateral contract, giving Credit Management , LP XXXX, XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Credit Management , LP XXXX, XXXX, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Credit Management , LP XXXX, XXXX, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Management , LP XXXX, XXXX, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Management , LP XXXX, XXXX, continues its collection efforts, I will file for litigation for actual damages caused and Credit Management , LP XXXX, XXXX, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Creditors Bureau Associates (GA)

Creditors Bureau Association Placed a collection on my credit report as of XX/XX/2019 for an amount of {$1100.00} for XXXX XXXX XXXX XXXX which was opened in XX/XX/2019. I have never used this service nor taken by ambulance within this time frame. I have disputed this debt with XXXX XXXX because I believe it is fraudulent debt they are trying to place on my credit report that I do not owe.
Consumer complaint received 2019-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX and XXXX 4 credit inquires for a car loan to apply was denied but i did not authorize the approval of the application to be applied for my mother decided to apply for both of us and used my information
Consumer complaint received 2023-01-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: J J Marshall & Associates, Inc (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX XXXX XXXX is listing a debt of {$5000.00}. I'm unaware of any outstanding balance and have not used that account in over 10 years. I need the account removed from my credit report.
Consumer complaint received 2019-01-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CO)

On XXXX, I sent payment to XXXX XXXX, Paypal account he gave : XXXX, his email he was emailing was XXXX and XXXX. 
I sent payment for a condo rental in XXXX, XXXX XXXX   XXXX @ XXXX XXXX XXXX, XXXX, XXXX. We were to meet him there on XXXX to get keys to have the condo for the night. I was charged {$400.00} of which {$250.00} he would give back for deposit. He never showed up to meet us at the condo and would not respond to messages later in the day after we had waited hours. He claimed his wife was in the hospital and he had no access to his phone. I told him I wanted my money back and he said he would refund that night. He didn't. I continued to try contacting him for the refund and he wouldn't respond. He finally replied back XXXX saying he would again refund my money that evening and again, he did not. Not he is not responding to my messages nor returning my money. 
Paypal is refusing to dispute it since it was since via Family/Friends link on the site. 

I took it upon myself to do some digging and emailed this XXXX XXXX posing as a new prospective renter for his condo. He responded immediately to the emails showing his condo was available. He provided a new Paypal email address to send funds to that is different from the one I initially received as myself. I was able to talk him into giving his bank info after telling him I didn't have Paypal. I called and verified the account with the bank and have that info to give you if needed. 

This XXXX XXXX scammed me and I would take any assistance in obtaining my money back. His bank account is titled under XXXX XXXX XXXX at XXXX XXXX in Utah.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc. (CA)

I contacted the credit reporting agency to remove the inaccurate and outdated personal information in my credit file related to the addresses listed. I informed them that these are non-mailable addresses and should be removed immediately. They failed to comply in removing these items. The following addresses need to be removed immediately. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

I contacted the credit reporting agency to remove the inaccurate and outdated personal information in my credit file related to the addresses listed. I informed them that these are non-mailable addresses and should be removed immediately. They failed to comply in removing these items. The following addresses need to be removed immediately. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-02-04
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. (MD)

Hi, i'm a victim of identity fraud somebody used my information to obtain vehicle loans and open credit card accounts in my name. for example XXXX XXXX {$1900.00} date opened XXXX XXXX XXXX XXXX {$3700.00} date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} date opened XX/XX/XXXX Inquiries : XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX  Date opened XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX XXXX
Consumer complaint received 2023-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MI)

On XX/XX/XXXX Mohela auto-deducted a payment of {$580.00}. This is much higher than I was expecting. I am on the XXXX plan and I believe this payment is incorrect. It is hundreds of dollars higher than the FSA Loan Simulator estimated. Further, my account on the Mohela site lists a " tier XXXX '' payment of this amount for XXXX XXXX XXXX but then a " tier XXXX '' payment in the amount of {$230.00} starting in XX/XX/XXXX. There is no explanation of what these " tiers '' are, how these payments were calculated, or why my payment amount on each tier is so different. FSA and Studentaid.gov have no information about " tiers. '' I messaged Mohela on XX/XX/XXXX to inquire about these questions and received an auto-generated reply saying that I would get a response within three business days. I never received that response. 

On XX/XX/XXXX, Mohela again deducted a payment of {$580.00}, which I continue to believe is too high, based on the FSA Loan Simulator estimate and my own XXXX  plan calculations. I tried calling but had to give up because the wait time was long and I had to go to work.
Consumer complaint received 2023-02-10
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. (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 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 2023-02-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (OH)

I enrolled in the Citibank Accelerate High-Yield Savings Leveled Bonus Offer on XX/XX/XXXX and funded the account with {$55000.00} on XX/XX/XXXX. I met the requirements of keeping the balance above {$50000.00} to qualify for the {$450.00} bonus. The bonus was supposed to be paid to my savings account within 30 days of completing the required activities, which is either 30 days from XXXX or 30 days from XX/XX/XXXX. I contacted Citi via chat on XXXX and a representative named XXXX indicated I would receive the funds by XX/XX/XXXX. When I didn't receive the bonus, I had another chat, this time with XXXX on XX/XX/XXXX. He opened a ticket ( XXXX ) for me and indicated it may take up to 5 days to receive a response. I still haven't heard anything on XXXX. 
This savings account and my Citi credit card remained open and in good standing this entire time period. I've attached proof of the bonus offer, transaction history, statements and chat screenshots.