davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (IL)

I have reached out to Experian and requesting information such as, my consumer file in which I have yet to receive a response. 
Experian is in violation of my rights as a federally protected consumer.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: American Coradius International LLC (ME)

The company called our daughter yesterday and clearly said that they were from a debt collection company, which I have read they are not supposed to do. I have the recorded message from my daughter 's cellphone as proof.
Consumer complaint received 2023-04-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (NY)

Two charge adjustments have been added on my account. These charges were disputed back in XX/XX/XXXX with XXXX XXXX XXXX  XXXX card ( now taken over by Comenity Bank ) and credited back to my account at that time. I never made these purchases ( nor had my wife ) and dont understand how these charges were put back on my account after so much time without even an explanation. I spoke to a Comenity representative by phone on XX/XX/XXXX and gave my information regarding the charges. I also canceled both my cards at that time. I have also notified XXXX about these erroneous charges as well and was told that they will alert the other agencies.. 
Charge amounts were & XXXX and {$330.00} both dated XXXX. Started dispute with XXXX XXXX XXXX at that time. Dispute was noted on my next statement, XX/XX/XXXX. 
Never heard another word from XXXX XXXX XXXXXXXX nor Comenity until my XX/XX/XXXX statment. 
Just charging me! No mention of the dispute outcome, name of scammer, nothing! 
Very unhappy with the way XXXX  XXXX XXXX handled the change over. I just received a letter from Comenity today claiming they had sent the incorrect reward information on this change over - after they advertised at the time that the rewards were higher than XXXX  XXXX XXXX! Also, Comenity will not pay out my rewards earned on the card and XXXX  XXXX XXXX never disclosed that I would need to claim them by a certain date.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XX/XX/2024.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Consumer complaint received 2021-07-23
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: AES/PHEAA (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (VA)

I have a open debt on my credit report with tsi Transworld systems yet I can not get a hold of them with the number listed on my credit report and no one ever answers or returns my messages when I choose that option .Agency Original Creditor Open Date Status Balance TSI/XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency TSI/XXXXOriginal Creditor XXXX COLLECTIONSStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Placed for collectionCreditor Contact DetailsTRANSWORLD SYSTEMSXXXX XXXX XXXX, XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute items on your ... 
I just want it cleared up so I can get a home loan some day and I ca n't even pay it
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GB Collects, LLC (CA)

Despite communications with XXXX XXXX who is the original creditor that no balance was due to them, they turned over this bogus balance over to an outside collection agency. I have tried multiple times to find out what happened and merchant keeps giving me the run-around and false promises. In the meantime, they have destroyed my credit on a fraudulent baseless allegation of a balance due which had previously been satisfied.
Consumer complaint received 2021-07-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 


XXXX XXXX XXXX Balance Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$910.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2015-05-28
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (CA)

My issue is really trying to collect a refund that they owe. I agreed to repay my debt back and made all payments. My very last payment that was deducted out of my bank account on XXXX/XXXX/15 was {$150.00} extra. They have only refunded me {$20.00} to day. I am still waiting for my remaining {$130.00}. Each time I call Midland Credit Management MCM I am routed to a call center in XXXX. They use fake American names and they have access to all of my personal information including my bank account, social security number, address etc. I am getting the run around trying to collect my refund and can not speak to anyone who can help me. I am very frustrated and angry as I kept to my agreement, plus I am really upset how they just released my personal information to just any one in XXXX without my permission. Please help me get my refund back,
Consumer complaint received 2022-01-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA (GA)

I have received repeated telephone calls from a caller identifying itself as Goldman Sachs, the two most recent from XXXX XXXX. The caller claims that I owe more than {$500.00} to Apple for purchases made on an Apple credit card. Because I have done business with Apple in the past, I called and was assured that I have no outstanding balance and that Apple does not request payments by telephone.
Consumer complaint received 2019-07-23
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. (GA)

Bankruptcy was placed on my Experian credit report..is not my bankruptcy..have filed formal dispute with request for supporting documentation of their verification of it..they did not provide documentation..merely said it was verified through a third party which I believe is not allowed under fcra..contacted 3rd party and tried to dispute again but Experian refuses to to investigate. please help.
Consumer complaint received 2018-12-01
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. (FL)

Please see my previous complaint regarding XXXX reporting my balance incorrectly. They responded saying they updated the balance, however, I just received a notification from Equifax that they reported the account as closed. This caused my credit score to drop 30 points! Please correct this. The account should be reported as Open, pays as agreed.
Consumer complaint received 2023-01-12
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. (TX)

XXXX XXXX ACCOUNT ( XXXX ) IS REPORTING INCORRECTLY ON MY CREDIT FILE. THIS ACCOUNT HAS BEEN SETTLED WITH ORIGINAL CREDITOR XXXX  XXXX BANK FOR A BALANE OF {$410.00} AND IS CURRENT WITH ITS PAYMENTS I NEED THE LATE PAYMENTS AND CHARGE OFF REMOVED FROM MY CREDIT FILE AS WELL AS BALANCE UPDATED TO REFLECT OUR CURRENT PAYMEN PLAN. I WOULD NEED A SPEEDY RESPONSE WITHIN 3 DAYS OF RECEIVING COMPLAINT OR THIS ACCOUNT BE REMOVED FROM MY CREDIT FILE IN TOTALLITY
Consumer complaint received 2019-11-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I was asked by my sister to co-sign a student loan to help her through school to become an XXXX when her husband ( now divorced ) refused to help his wife at the time. My role as co-signatory began in XXXX or XXXX with a loan that originated with SallieMae that was eventually sold to NAVIENT in approximately XXXX. There was one loan account with 2 loan group numbers. For simplicity I will refer to them as LOAN 1 and LOAN 2, which I would only consistently receive the monthly loan statement for the lesser of the two loans LOAN 1. I didn't even realize there were two loans until XX/XX/XXXX when the " Annual Cosigner Private Education Loan Interest '' report showed up for LOAN 2. Unfortunately, all of this came to light when my sister not only recently defaulted on the 2nd portion of the loan, but had also been continually delaying/forbearing loan LOAN 2 that has resulted in capitalized interest that ballooned an original loan amount of {$18000.00} to a recent balance of {$63000.00} as of XX/XX/XXXX. I was aware of none of this, until I spoke with NAVIENT on XX/XX/XXXX to obtain the balance information. Representative examples of the documentation will be included with this complaint, but as a co-signer I was not given full disclosure of the loan with the higher balance, but only received the " Annual Cosigner Private Education Loan Interest '' until she stopped making the payments, then the late payment notifications began arriving, yet NEVER a statement of the loan. I was able to monitor the lesser loan LOAN 1 with timed monthly statements from NAVIENT. Had I received the same level of information on loan LOAN 2 I would have been able to intervene on the careless delinquency of my sister 's pending default, and definitely before the loan ballooned out of control. I am disappointed in NAVIENT 's inconsistency with statement reporting and failure to fully disclose the information of the loan out of control, until the primary account holder, i.e. my sister, defaulted on her payments. Furthermore, there was NEVER disclosure of the interest rate or variability of the interest rate in any of the correspondence on loan LOAN 2 from NAVIENT. We are looking into legal counsel about predatory lending practice, but the concern here is lack of disclosure of all information consistently and effectively to me as the co-signer.
Consumer complaint received 2023-06-27
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

On XX/XX/XXXX my credit report was pulled from 9 financial institutions. Those companies that are reporting on my XXXX Credit report are XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX , Capital One Auto Finance , XXXX , XXXX XXXX XXXX. 

As well as XXXX XXXX on XX/XX/XXXX I have received my own financing from my bank XXXX  where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Consumer complaint received 2019-07-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Robinson, Reagan and Young PLLC (TN)

Have attempted several times to request validation of debt from this company, but the company has yet to provide it. The company has re-aged this account, which is serious violation of the FCRA, and even after disputing with the credit agency, refuses to fix the issue, or provide me with validation of the debt.
Consumer complaint received 2018-08-07
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: SUNTRUST BANKS, INC. (AZ)

I was interested in obtaining a XXXX XXXX XXXX  Debit Card offered by SunTrust bank. I read the information on their website here ( https : //www.suntrust.comXXXX  ) and was willing to pay the {$75.00} annual fee as I thought it was a good deal especially since one earns " XXXX  bonus miles after your first PIN Point of Sale or signature-based purchase. '' What is not apparent until much further down the page is that one must open a Signature Advantage Checking account to be issued the XXXX  card. This checking account has a minimum balance requirement of {$25000.00} or a monthly fee of {$25.00}. I was not aware of this stipulation until after opening an Essential Checking ( basic ) account and was then advised I would need to upgrade the account to obtain the card I wanted. I believe this practice falls under unfair and deceptive. I am more than willing to pay the annual fee for the card but can not afford to deposit $ XXXX or pay $ XXXX  monthly in addition to the {$75.00} annual card fee. This is excessive.
Consumer complaint received 2019-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC. (FL)

1. Two employees at SunTrust bank said that my mother did not have an account with them in XXXX XXXX of XXXX. 
2. We did not receive any late notices until XXXX of XXXX we received a notice of right to cure default {$6600.00} due on the XXXX. 
3. We called SubTrust and spoke to employee XXXX, then XXXX I asked if we could have paperwork on the account and was told there wasnt any paperwork it was their mistake and we would never hear from them again, Monday XX/XX/XXXX. 
4. On XX/XX/XXXX we recieived a letter from a debt collector attorney representing SunTrust a XXXX XXXX, I told him I wanted to see paperwork was that too much to ask he said no I asked if he could send it to me he said no not if I wasnt going to do anything he wasnt going to waste his time, I said ok I will and then it came in a summons on XX/XX/XXXX and there was a promissory note that I had not seen before. 
5. I filed a complaint with the attorney general office and a representative from SubTrust called me XX/XX/XXXX, she said we would hear from them in 15 days or less, I have called their team to find out if they have any paperwork on the account and they are still working on it, we just need some answers to save our home
Consumer complaint received 2018-08-07
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: CITIBANK, N.A. (CA)

On my correspondence I faxed to XXXX last XX/XX/XXXX, I explained and requested to XXXX to remove the late payment reported last XX/XX/XXXX. From the day the account was opened last XX/XX/XXXX, I was never late on this account except on that date. I wrote to them explaining the situation I had and even showed them proof that I was more than capable of paying off the minimum due let alone the entire balance of the account. I wrote to them : " The problem is, that someone hacked/stole my original email ( XXXX ) linked to my XXXX account. This was already reported to the authorities ( please see attached FTC report ). Ever since then, I never receive any notification reminder nor statement since I signed up to go paperless. Right about two weeks ago, I confirmed with one of your representatives that you still have my old email on file and the rep updated my account with my new email and fixed my login issue, which I am very grateful. But, it is too late for that Since I dont receive the statements and reminders due to my login and email problem, there are times that the payment was received a bit late and Ive been reported to the credit bureaus. '' Please see all attached copies of the documents I sent to them
Consumer complaint received 2015-07-23
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: PRIORITY HOME MORTGAGE, L.P. (TX)

When my, then partner, and I decided to purchase a home, we were referred to Priority Home Mortgage by our builder. When I met with XXXX XXXX at Priority the very first time I was clear of my relationship status and wanted to make sure that was not going to be an issue with a joint VA loan/mortgage. I was assured that everything was fine. This was XX/XX/2015. 

We processed all of the paperwork, were pre-approved for the mortgage as a couple. 

XX/XX/XXXX, I was contacted by another individual from Priority, I believe her name was XXXX, who asked for marriage documents. I relayed the same information that I had shared with XXXX. All of the sudden we could not get the mortgage, or deed to our home in both names, I had to go through the pre-approval process again. Everything. 

Once the dust settled, I went to XXXX 's supervisor, XXXX XXXX. After several conversations, he agreed that Priority personnel had messed up, and that my, now husband, and I would need a quick/Quit Deed after I closed on the house in order to get the deed in both my name and my husbands. He also agreed that Priority Home Mortgage would incur the cost of processing the second deed. Conversations as late as XXXX XXXX, XXXX confirmed that all was in order and that the Quick/Quit Deed could be processed the day after my closing. 

At my closing on XXXX XXXX, XXXX ( a separate entity ) told me that I would have to wait until I received my actual deed before I could move forward. 

I have now had my deed in my possession for over 2 weeks. I have reached out to XXXX XXXX at Priority Home Mortgage three separate times, including today, to get the XXXX deed processed and signed. I am getting no return communication from Priority Home Mortgage.
Consumer complaint received 2018-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Service, Inc. (VA)

This year on XX/XX/XXXX, my husband and I both received letters from XXXX XXXX XXXXs stating that we owed {$1200.00} to the apartment complex we previously lived in. I called on XX/XX/2018 to ask what the debt was for and then paid it in full over the phone by debit card. It was paid at XXXX XXXX. I was given a confirmation code over the phone and I also received a confirmation email. I was told that we were good to go and that we did not owe any more money and we would not be taken to court. Then a couple of weeks later on XX/XX/XXXX, we received another warrant in debt from XXXX XXXX XXXX for the same amount of {$1200.00}. I called XXXX XXXX XXXX again and asked why the warrant in debt was sent to us. They stated that there was a duplicate account made and they would delete it immediately and we would not be charged or taken to court. I requested this in writing and received a letter from XXXX XXXX on XX/XX/2018 that stated that our account was paid in full. We then received another warrant in debt early XXXX for the same amount of {$1200.00}. It stated that we are to appear in court on XX/XX/2018. We should not have to go to court and want this resolved