davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, I had dinner in XXXX of XXXX, PA and my wallet was stolen. The thieves took my wallet, money, credit cards and several other important documents/cards. I reported it to the police. Late the evening of XX/XX/XXXX and all day on XX/XX/XXXX, I notified my bank and credit card companies. I received permanent or provisional credit from all credit card companies and/or banks but Citibank. Around XX/XX/XXXX, I received my statement from Citi. It included in the balance they requested I pay, {$960.00} in fraudulent, disputed charges. I called customer service to request a credit ( even provisional ). Citi would not do so, citing a " pending investigation. '' I questioned whether anything was pending as no one at Citi had asked for any information - police report, police name, where card was stolen, etc. To avoid paying interest, I paid my Citi bill in total ( including the fraudulent charges ). Fast forward to XXXX, the police called to say the thief was apprehended and is being charged and being held in jail. I call to tell Citi and again request a provisional credit. They refused, citing a pending investigation. I sat on hold over an hour to have the call elevated to a supervisor. No results. I have no problem with Citi continuing any investigation. I see that as a separate matter to my request for a provisional credit. They are not investigating me. It is not easy to be out of almost $ XXXX at the holidays for charges you did not make and someone else was arrested for.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In XXXX when I changed mortgage companies from a 30-year mortgage to a 15-year mortgage Trans union dropped my score by 33 points on XX/XX/XXXX with no apparent reason. After a dispute they raised my score by the 33 points and had no explanation. On XX/XX/XXXX my score went up by 45 points, on XX/XX/XXXX it dropped by 45 points. Overall, my balances decrease every month as when I make payments, I always pay at least two times as much as payment requested. For example, if XXXX has a minimum payment of {$220.00}, I send {$500.00}. My payment history on cards and mortgage is impeccable and my credit utilization is low about 35 %, I also have no negative items on either a mortgage or creditor. All my balances were decreasing. My score is like a roller coaster. I am a XXXX XXXX and the activity in the XXXX  is off the charts again, so I do not need this aggravation on top of it. it is funny that when I canceled my paid service with them the score dropped, and roller coaster began. I did refile a complaint but am at a loss because it keeps dropping as my balances decrease, my payments on time. I also complained that there were unauthorized inquiries on my account they never responded. I feel frustrated and always had score in the good range, now in poor range, when I have always paid more than a creditor requested on a monthly bill. Any help would be appreciated. My scores with XXXX nd XXXX are not a roller coaster. 
XXXX XXXX
Consumer complaint received 2022-11-23
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: Bread Financial Holdings, Inc. (MD)

I was informed by a Consumer Rights Attorney to dispute this account before we file a legal complaint. XXXX and Forever XXXX ( Comenity Capital Bank ) is under SO MUCH VIOLATIONS when it comes to my credit report. First, I gave no written consent to them to report anything to my credit report. Second, There are INACCURATE information on my credit report so there is no way this is reporting to the maximum possible accuracy, therefore this account needs to be removed because it is in violation of 15 U.S. Code 1681b a2, 15 U.S. Code 1681i ( 5 ), and 15 U.S. Code 1681e ( b ). Also paid charge off accounts shouldn't even be reporting to my credit report due to your own reporting standards on the XXXX XXXX XXXX If this account is not removed, when this is taken to court I will make sure I receive my {$1000.00} per violation.
Consumer complaint received 2022-05-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (MD)

In accordance with the Fair Credit Reporting Act. the below listed account has violated my federally protected consumer rights XXXX XXXX XXXX account # XXXX My student loans are showing that I am 90 days late on my credit report but my loans have been in forbearance for four years while I go back to school. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate
Consumer complaint received 2024-04-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (IN)

Marcus has unlawfully blocked me from withdrawing funds from my 2 savings accounts with a total balance of $ XXXX. They told me to send an affidavit of identity. I sent a notarized affidavit of identity which they confirmed they have received. Still, they are not releasing the freeze on my account. I have already provided them a notarized affidavit of identity. When I call them, they keep on telling me to call back in the next few business days.
Consumer complaint received 2022-05-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (CA)

On Thursday XXXX XXXX I received a call from XXXX at XXXX PST. The call was from CBE Group Inc XXXX XXXX XXXX XXXX, IA XXXX. I spoke with a women named XXXX XXXX she let me know that she was a 3rd party contractor for the IRS. She said that they had sent a letter back in XXXX of XXXX ( which I never received ), its now XX/XX/XXXX and the CBE group is calling my phone now with no mail notification, With all the IRS scams in the United States going on I asked XXXX XXXX for CBE Group License number so I could verify the company and also verify that the CBE Group is licensed in the state of California. XXXX XXXX could not provide their business license number to me after being on hold for several minutes, I got transferred to a supervisor XXXX XXXX, I asked XXXX for the CBE group license number after several mins and going back and forth with XXXX she wasnt able to provide a license number. XXXX XXXX, XXXX XXXX and the CBE group are in direct violation of the California Department of Financial Protection & Innovation SB 908, assembly bill 1864, senate bill 908 and the fair credit act by not providing their license number, and I still question if this wasnt a a scam Because I have a official letter from the Department of the Treasury Internal Revenue Service Notice XXXX dated XXXX XXXX, XXXX saying my overpayment was applied to unpaid balance, then it also says on this same form lower down What You need to do you dont need to do anything. CBE group couldnt provide a license number therefore how as the consumer am I to know they are legitimate or not? If your company is licensed it shouldnt be a problem to provide the license number to the consumers when asked
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2024-04-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 )
Consumer complaint received 2023-01-19
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: MRS BPO, LLC (TX)

This letter is being sent to you in response to the account furnished in my Report. When asked, your office replied that the dispute regarding the validity of the debt is not raised within the prescribed time period therefore, the same is furnished in your Report. According to 15 USC 1692a. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Further according to 15 USC g. ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer Therefore, I would like to inform you that this debt is not valid and my failure to dispute the validity of the debt will not amount to an admission of liability. I further request you to kindly remove this alleged debt from my Report Thank you for your cooperation Sincerely XXXX XXXX
Consumer complaint received 2022-05-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (PA)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE REPORTING!
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OR)

Bank of America reported that I have not made any payments on my credit card since as far back as XX/XX/XXXX ( possibly longer, but that is as far back as I can see on XXXX ). On XX/XX/XXXX, BofA reported to the credit bureaus that my account was past due. It was not. I have never missed a payment with them, and my credit report shows no other negative information for the entirety of my credit history. I have never missed a payment on any card, including this one. 

THEIR INCORRECT REPORTING IS JEOPARDIZING MY ABILITY TO SECURE HOUSING FOR ME AND MY XXXX YEAR-OLD CHILD, AND OUR LAST DAY IN OUR CURRENT HOME IS APPROACHING QUICKLY. 

I disputed this information with BofA both via XXXX 's website and on the phone with BofA on XX/XX/XXXX. I spoke with a BofA representative a couple of days later, and I was told the information was being corrected. XXXX showed the dispute as confirmed accurate on XX/XX/XXXX. I called BofA again and was told again that the bank had corrected the information. I asked for written confirmation of this and was told I could only receive this via postal mail. I confirmed my mailing address and was given case number XXXX. Two weeks later, I have still received nothing, and my credit report continues to reflect incorrect information.
Consumer complaint received 2024-04-08
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP (CO)

The US Bank let someone cash out over {$3600.00} of my money transfer {$2000.00} of my money and I was going back and forth trying to get them to stop letting them change my information address it was horrible to the point where I wouldn't even able to use my own money when I told him about it they told me make a police report I was trying to explain to them so they would cancel it and give me another card the point is is I have been stolen from over {$5000.00} worth of money if you could just look it up on my record you will see it
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (ME)

On XX/XX/2018, My report shows two driving violations that where not convictions. They where violations that where later dropped. Lexus Nexis was in error reporting these incidents.
Consumer complaint received 2021-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (NJ)

I have reached out to sallie mae ( XXXX ) at least once a month since XX/XX/XXXX to have them report my account as closed and settled. They had misreported my account as delinquent in XXXX and neglected to take action on my requests to report the settled balance. Further, I opened multiple disputes with all three credit bureaus to resolve the issues. The bureaus cleared the delinquent reporting for XXXX but did not correct the account settlement issue. Dispute Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Consumer complaint received 2019-09-06
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: EQUIFAX, INC. (TN)

I still haven't received any response from the credit bureaus and it's already more than 30 days since I sent them the letter to dispute a negative item on my credit report. I sent them a dispute letter on XX/XX/2019, and up until now, there is no response from them.
Consumer complaint received 2018-10-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

additional docs - Rushmore states that my account was still under foreclosure - affirmation docs were sent in and modification was completed around the same time. Previous servicer had the docs and therefore continued to send the statements. 

XXXX XXXX has not send statements and updated my credit score to reflect my loan was written off due to bankruptcy - thats not true.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (FL)

The company reported in correct information about late payments. the company reported a 30 day and 60-day late payment. There were no late payments because the company sent the billing statement to the wrong address. I did not receive a request to pay the bill or the amount due. 


Regards, XXXX XXXX XXXX
Consumer complaint received 2024-04-08
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I wanted to sell my property.The title insurance company located an old mortgage recording that I do not have any recollection of that loan. I contacted the local bank XX/XX/XXXX, the bank manager XXXX XXXX, forwarded the request and information on to corporate office. I have stopped and called over the following weeks and no information was available from XXXX XXXX, the corporate office has not called or communicated in any way. I contacted the XXXX  of Michigan and their reply is enclosed with this complaint, they directed me to this website. 
I have talked with a real estate broker. He thinks that the 'loan ' was probably never used or had a XXXX balance and since it was dated in XXXX that the bank has misplaced the paperwork. Since the date on the Future Advance mortgage is XXXX, the XXXX XXXX was sold to the Huntington Bank, which could have contributed to the loss of paperwork. I am XXXX XXXX XXXX and do not remember any details about this Future Advance mortgage. I am requesting a discharge of the mortgage XXXX that is recorded on my property so that I can go ahead and sell it.
Consumer complaint received 2022-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (FL)

Filed prior complaint with company and am now being discriminated against and receiving retaliatory treatment when contacting the company including not filing complaints as requested and being hung up on by the executive resolution team. This is a business practice I am quite used to and expect from Wells Fargo, hence the reason I do not want anything to do with this company that is strong arming me in to servicing my loan and discriminating against me for being a good customer they can make money off of.
Consumer complaint received 2022-05-26
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. (GA)

I've sent 2 certified letters to XXXX XXXX regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted XXXX XXXX via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.
Consumer complaint received 2019-09-06
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. (FL)

I have complained submitting numerous disputes to Experian in regards to accounts that were deleted and now reappearing, The accounts are obsolete and should have been off of the account many years. Experian deleted a few months ago and now reappearing. A representative claimed they weren't ever removed, which is false as I attached a copy of the credit report to support that the accounts had been deleted, now reappering. I spoke to someone name XXXX XXXX XXXX who indicated that that the accounts were never deleted and claims they were verified which is a way to cover up them putting them back on my credit report. I received an alert from an outside organization that there was a change to my Experian credit file two months later and I was mortified to see that the old collection accounts had been placed back on my credit file. The alert by my bank is how I discovered the 16 accounts were reinserted on my credit and when I disputed, within a day I received an email stating the dispute was finalized and it is impossible to complete an accurate investigation for a dispute in a day or so. I do not know this creditor XXXX but this collection agency is falsifying opening dates/payment history because I have not had any accounts opened in over 10 years and they have an opening date of XX/XX/2016, The company falsified information saying the account was opened in XX/XX/2016. I am attaching the credit report to show the creditor was not on my credit file then it reappears. I have attached verification requests letters that have been submitted to Experian and disregarded.
Consumer complaint received 2023-01-19
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. (MD)

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I've sent 2 certified letters to XXXX XXXX regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted XXXX XXXX via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.