davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

On the month of XX/XX/2019, I found a collection account on my credit report which I have no knowledge of. I sent a request for debt validation on XX/XX/2019 addressed to XXXX XXXX XXXX. This company never sent me any proof whatsoever in regards to the collection account which in turn they are reporting to Experian and it is damaging my credit which affects in so many ways. After waiting over 30 days for a response from this fraud of a company, I never got one! Finally I decided to dispute through Experian thinking they would demand this company to show proof or validation but they are also a big disappointment since they just verified and said the account would remain on my report, just like that whitout any proof, incredible? When I contacted Experian I did it in writing through the United States Postal Service certified mail and provided them with copies of all the letters I had sent XXXX  along with proof of signature receipt from the USPS, and they only answered me through online, and never provided any evidence that these people have a legitimate right to be reporting this adverse information on my credit report. They have never provided debt validation which is my right under the credit protection laws. I would like for you to please investigate this matter and get Experian to remove this information from my credit report as soon as possible.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NJ)

I have XXXX charges from a rental app called XXXX. I bank with Citibank. They denied my dispute, saying Im responsible for the transactions. I will list the dates and amounts : XX/XX/2024 - {$580.00} XX/XX/2024 - {$85.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$86.00} XX/XX/2024 - {$87.00} XX/XX/2024 - {$86.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$82.00} XX/XX/2024 - {$83.00} XX/XX/2024 - {$87.00} XX/XX/2024 - {$87.00} XX/XX/2024 - {$85.00} XX/XX/2024 - {$160.00}
Consumer complaint received 2021-03-20
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: EQUIFAX, INC. (NC)

Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Consumer complaint received 2020-03-15
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. (CA)

To : Whom It

May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$830.00}. I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request th
e method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCR

A, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- COLLECTION ACCOUNT -- 1. 12 XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account.
Consumer complaint received 2020-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TX)

I have never opened an account with XXXX XXXX. I have never done any kind of business with XXXX XXXX. I have no knowledge whatsoever of this debt. This is not my debt. I have never done business with XXXX.
Consumer complaint received 2022-12-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Account Name : XXXX XXXX XXXX Date Opened : XX/XX/2016 Amount : {$0.00} Account Type : Charge Off, Deposit Related This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Consumer complaint received 2022-03-24
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

XX/XX/2020 right at the beginning of covid. I retired from my company after 23 years. At that time everything was okay and I received something in the mail from a third party about lowering my payments. Okay I looked into it. I ended up giving them {$3000.00} to help me refinance my mortgage as a third party they contacted my mortgage company and got me on the forbearance program so I wasn't making my payments. I thought this was all normal. I was getting nowhere except behind on my mortgage for the next few months. I then took over this process with myself with my mortgage company XXXX of XXXX. Trying to modify my loan for the next several months. I kept filling out all the paperwork and doing everything citizens one requested. I would call back. I would get put off or told that it's in processing or it was some missing something. This is gone on now for a year. I'm further behind. I just want my loan deferred and start making payments again. Whatever my options are but I'm not getting anywhere with citizens except for runaround. Thank you!
Consumer complaint received 2023-05-11
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: EQUIFAX, INC. (GA)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681. They have violated my rights numerous of times. I demand the accounts listed below be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681 : I have the right to privacy and did not give Equifax written permission to furnish these accounts.
Consumer complaint received 2020-03-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

a formal complaint that you are reporting inaccurate and incomplete credit information NOTHING RETURNED IN 30 DAY OF TWO TRIES
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I found out that I am a victim of identity theft when a debt collector called me about a credit card payment for an account that I did not apply for. I had no idea what the debt collector was talking about. That prompted me to check my credit report and I found that someone had used my personal information to apply for and get approved for several credit cards that I didn't authorize my personal information to be used for. I tried to advise the debt collector that I knew nothing about the debt and did not benefit from it, but they said they couldn't help me. The XXXX XXXX account and the XXXX XXXX/XXXX XXXX accounts should be removed from my credit profile because some criminal used my personal information without my permission to apply for and benefit from those accounts.
Consumer complaint received 2024-04-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

All of these hard inquiries were made fraudulently. I did not make any of them! None resulted in accounts opened. 

XXXX XXXX XXXX Citizens Bank XX/XX/XXXX. Tried to dispute with XXXX and was denied. Tried to call Citizens and they put in a credit report for me. 

XXXX XXXX XXXX - They would not let me dispute anything until I filed this report. 
XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX, XX/XX/XXXX XXXX Financial XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Hard Inquiry XXXX XX/XX/XXXX- I completed a dispute but this was the only inquiry that was not removed as a result of the dispute. They said it was because I have an XXXX account currently, but I did not have XXXX in XXXX.
Consumer complaint received 2024-04-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery is starting to call me and put this debt on and off my credit for an auto loan in AZ that was repossessed about 13 years ago. Last payment was closer to 14 years. They still call constantly and I have had no new loan with them since. I keep disputing this debt and it comes off and within months it is back on.
Consumer complaint received 2021-03-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

My wife and I opened accounts ( checking and savings ) with Wells Fargo in XXXX. We eventually added credit card accounts, a business account and a business line of credit. Wells Fargo, for reasons unknown to us, closed all our accounts in XXXX of XXXX. To the best of our knowledge, these account were all in good standing from their creation to when they were closed. 

We have made several efforts to resolve this issues or at least get an explanation to why this action was taken, even suggesting to them that this may have been an issues of a mistaken identity. Our last complaint to Wells Fargo was in writing dated XX/XX/XXXX. We received an unsatisfactory response dated XX/XX/XXXX. 

We want an explanation as to why they closed our accounts. Copies of these correspondences are attached to this complaint.
Consumer complaint received 2020-03-28
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: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

A fraudulent account from Schools First Credit Union is reporting on my credit. I did not open this account. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am filling this report because today XX/XX/2020 I found out about two accounts and several credit inquiries on my credit report that do not belong to me. I was denied from refinancing my car and thats how I found out about all of these items on my credit that do not belong to me. I did not open those accounts nor did I make those credit inquiries. I did not allow anyone to open those accounts in my name nor did I give those companies permission to run my credit. I do not have any written/verbal contract with any of the companies listed on this report nor did I benefit anything from these accounts and inquiries such as money, goods, services or any other benefit. I did not make any payments towards any of these accounts. I have filed a police report regarding this unauthorized accounts and inquiries that should not be on my credit.
Consumer complaint received 2020-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

Working withXXXX experian and the loan accounts show that they closed with XXXX  then show that there is a balance. Also XXXX can not show a XXXX  as collections even from the beginning. Therefore there should not be a balance after XXXX  and or in collections for false information.
Consumer complaint received 2024-04-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (OK)

A check from XXXX XXXX XXXX XXXX was made out to XXXX XXXX XXXX of XXXX, XXXX  Re : XXXX XXXX XXXX for a vehicle purchase. XXXX XXXX XXXX, who resides in XXXX, Texas was able to deposit a check for {$30000.00} into his account at a Chase Bank in XXXX XXXX, Florida. The check was not addressed to XXXX XXXX and he is not a employee of XXXX XXXX XXXX. Chase told me that they have a XXXX week clearing policy, so I am baffled how he was able to cash a check that he is not authorized to negotiate. Chase has not been able to provide a clear explanation as to how this happened. I have talked with the dealership on the check and they have confirmed that they don't have a banking relationship with Chase nor do they have any knowledge of XXXX XXXX. 

Chase refuses to give me any information, when clearly a grave mistake in policy and verification has occurred on their part. I spoke with the XXXX XXXX department of Chase to XXXX and he instructed to me to have law enforcement to call and they could get more information. He went on to say he couldn't find the check and or an account with XXXX XXXX XXXX. This has absolutely devastated me financially. I couldn't get a mortgage for my first home, my credit is ruined and I have to pay thousands of dollars for a debt that is not mine for a car I do not have.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I signed up for 'Delta Skymiles Gold Card ' from Amex on XX/XX/2021 and it says the sign up bonus would be XXXX miles given I spend {$2000.00} dollars within 90 days. 

However, they only gave me XXXX miles and said the the bonus offer would be that amount. They asked me for the email that describes the offer that I got but they never sent me the email regarding the promotion and I also couldn't find any information on the website either.
Consumer complaint received 2021-03-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Student Debt USA, LLC (GA)

After not receiving the results I was expecting from the servicer assigned to my loan, I called Student Debt USA after seeing their Ad on the evening of XX/XX/XXXX. I spoke with XXXX XXXX. I told her about the student loans my husband and I have and asked about the PSLF program. We were advised to consolidate the loans. I have learned ( now 4 years later ) that this was bad advice since consolidating our loans disqualified me from receiving forgiveness for my loan. I am a XXXX and my husband is self-employed. I am now in the process of trying to undo this. About a month of doing business with Student Debt USA I made attempts to contact them but could never get anyone on the phone. When I finally spoke with XXXX XXXX, I told him that I did not appreciate doing business through text messaging. When I call them, I expect to get a call back. After numerous complaints to them about this, I continued to receive text messages and emails in lieu of a phone call. Whenever I call I get a voice message. Whenever I email, I receive an immediate message that says " Hi there! thank you for your recent inquiry with Student Debt USA. " We have received your email and will be in touch within 24 business hours. You can also text us at XXXX or call us at XXXX. Thanks, and please see our special referral offer below to make some easy cash! Regards, Student Debt USA '' I have filed a complaint with the XXXX on XX/XX/XXXX and so again I learned that this doesn't hold them accountable as long as Student Debt USA provides a response of which they did on XX/XX/XXXX. The only time we would hear from them is when it was time for recertification but if we ever have questions that is the problem. 
I sent an email to XXXX on Wednesday, XX/XX/XXXX and to The Processing Team XXXX on Thursday, XX/XX/XXXX. Today is Saturday, XX/XX/XXXX way pass 24 hours and I have yet to receive any response. I have tried to reach them at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX which is no longer in service.
Consumer complaint received 2020-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M. G. Credit, Inc. (FL)

I was a PAY AS YOU member at XXXX XXXX  XXXX  back in 2015. As per sign up when I didnt want to use the facility anymore I could leave with out any repercussions. XXXX  XXXX  XXXX  sent me to a collection Agency MG Credit court. when I seen this on my credit I disputed them. In the dispute I specifically asked for original contract signed with XXXX XXXX  XXXX. They have yet to produce the contract. I continually ask them to remove their company from my credit report. With no such luck. Now I am reporting to consumer Financial protection in attempt to have them prove the debt with original documents or remove from my credit.
Consumer complaint received 2020-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have tried multiple times to call Experian. It is impossible to speak to a live person. No matter what number you call. Their automated messaging NEVER gives you the option. I tried to file a dispute about our mortgage with XXXX/XXXX  XXXX that was paid in full last year but still showing as owing a balance and active. This affected a recent loan interest rate because it showed I had a balance on 2 mortgages which I do not. Because I have filed a dispute once in the past regarding this same issue Experian does not allow you to file a second dispute for the same account. Most pathetic customer service!!
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I trying to start my new company business and I recently found out that I have several fraudulent addresses and unknown addresses on my file. Please remove delete the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following numbers are unknown and do not belong to me please delete remove : ( 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.
Consumer complaint received 2020-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

THIS IS NOT A DUPLICATE- I received a response from XXXX XXXX regarding the loan # XXXX, however the information that was provided by XXXX XXXX , Chief Administrator Officer was incorrect. Originally, I requested a goodwill courtesy update for the past due reporting on my credit report. I was able to review my credit report and was able to find multiple inaccuracies. According to Equifax, XXXX is reporting that this account was closed on XX/XX/XXXX, XXXX  XX/XX/XXXX and XXXX  there is no closure date. XXXX is reporting to Equifax and XXXX  that the account opened on XX/XX/XXXX but with XXXX, it is reporting that the account opened on XX/XX/XXXX. 

XXXX is reporting with Equifax that my account has 3 ( 30 Day ) late payments and 1 ( 60 Day ) late payment. However with XXXX  and XXXX, XXXX reports that I have 2 ( 30 Day ) late payments and 1 ( 60 day ). 

I have previously requested to remove past due reporting from my credit report as a courtesy because this inaccurate information is damaging my credit. However, the Chief Administration Officer stated that information reported was accurate which is considered to be misrepresentation.