davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-04
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. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXXXXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX CO Inquiry Date XXXX ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX, XXXX XXXX  Inquiry Date XXXX XXXX XXXX, 2021 ; XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX & XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX  XXXX Inquiry Date XXXX ; XXXX XXXX XXXX  Inquiry Date XXXX ; XXXX XXXX XXXX Inquiry Date XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ;
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC (LA)

On XX/XX/2018, I called University of XXXX, they gave me the number to the collection agency.. I called and was informed that they put my account with ATG Credit. I called and spoke with a lady nd verifies my address, name, social security number and all. I asked her when did they receive the account and all she said was One day last month I never received a debt validation letter from them. They also had my current phone number and still never called me.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Gatestone & Co. International Inc. (CA)

I got a call from a XXXX number under XXXX XXXX that keeps calling me. They told me I have over {$3000.00} in debt outstanding with XXXX XXXX XXXX and asked about my address somewhere in Texas. Ive never lived at this address and the other phone numbers she mentioned to me were not correct or part of my family plan. I also have no debt with XXXX XXXX XXXX, as confirmed by the company. This company asked for the last 4 of my SSN and they are clearly falsely collecting this information and willfully deceiving people.
Consumer complaint received 2018-08-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MD)

Springleaf changed it's name to OneMain that's when all the problems started. I have my payments/ {$80.00} automatically debit at the beginning of the month. OneMain is reporting late payments for  XX/XX/XXXX and XX/XX/2018 which is incorrect, since I have my payments automatically debited. I've contacted OneMain several times regarding the late payments that's being reported on my credit reports.The customer service representatives are not very customer friendly. Can someone help the consumer please. Also if you google Springleaf/One Main complaints you can view hundreds of complaints of UNsatisfied customers. Thank you.
Consumer complaint received 2021-12-04
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: Eastern Account Systems of Connecticut, Inc. (FL)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately. 

EASTERN ACCOUNT XXXX XXXX Opened XXXX XXXX, 2020 Balance {$210.00} ;
Consumer complaint received 2018-08-14
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. (NC)

My attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with Equifax I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XX/XX/XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XX/XX/XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Citibank is refusing to allow me to reduce the balance on my existing credit card account using the {$12.00} check they were required to send me per their agreement with your protection bureau as is stated in the accompanying letter. I would like for them to either honor the wording of the letter or reword it to say I must either deposit or cash the check at my bank, but not transfer the funds from one of their accounts to another of their accounts.
Consumer complaint received 2021-05-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-14
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: TD BANK US HOLDING COMPANY (CA)

I was given a 30 day late mark on my credit report due to Nordstrom Card Services reporting inaccurate information. They did confirm that the error was due to them not having protective measures in place when a consumer sets up auto pay ; the consumer enters their banking account number one time only. There is no measure in place to confirm accuracy like there is on all other payment sites. After 4 years of 100 % on-time payment history, I was asked to re-enter my banking info. Un-beknown to me, I was missing a " XXXX '' ( so they say ). They were not able to withdraw the funds, removed my auto-pay and dinged my credit without notifying me.This resulted in a 70 point drop to my credit score. Had they had a simple verification step in place to protect their consumers this would not have happened. When I asked for confirmation that it was in fact my error, they were not able to provide it. Did I in fact in enter the wrong account number? WHO KNOWS? Could this have been prevented? YES! They refused to do a Goodwill Adjustment. A 70 point drop and it will remain on my credit report for 3 years. The financial ramifications of this due to the impact to my credit score will be huge as my fianc and I are buying a house in XXXX.
Consumer complaint received 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NM)

We had tried to get a modification on our commercial office building. Ocwen dragged the process on for several months. They turned us down with no explanation given. We were charged a Property Evaluation fee on our Statement dated XX/XX/2018 which we paid. We were also charged a " Professional Fee '' of {$51.00} which we've never been charged before. We paid it not realizing it was there. There is also no amount going to principal on the loan. 
This last statement dated XX/XX/2018 has a Past Due Fee and another Expense Payment Fee/Other Charges of {$100.00} of which we have no idea of what it is since we've never been late. I called Ocwen twice. First, about the two amounts. Second, I called back about there being no principal credited to us. 
Also the amount of of our principal is going down each month. Is that correct?
Consumer complaint received 2018-08-14
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (CO)

I attended XXXX XXXX XXXX College, XXXX XXXX XXXX, in XX/XX/XXXX through XXXX or XX/XX/XXXX in XXXX XXXX, CO. 

I filled out my needed financial aid paperwork and documents to try and get a loan either from Federal or State. Since at the time I was under the age of 25 I needed my parents financial information in order to complete my FASFA. 

To the best of knowledge my parents have not talked too each other since XXXX. Neither one of them wanted me having their financial information in case somehow the other got a hold of thiers.

This created a problem in moving forward with the FASFA. The financial aid director, sorry I don't remember her name just that she was a female, took me I could start and continue with my classes while the FASFA was being processed. 

She explained to me that if it did get denied that the only way I would be held liable for any costs with the books or classes is if I re-enrolled for my next semester. It didn't get approved and I never enrolled for classes past that semester. I made sure that at the student services center, or enrollment offices, that they knew that 100 %.

I did receive a few, two and possibly a third, letter from the State of Colorado within in the next two years when I received the bill in the mail. And each and every time I responded to the State and the School. Never, ever did I hear about a response from either of the two. 

After the last response I sent I never heard another word from either of them again. This was XXXX at the latest. I never went to court nor was I even summoned to court about the issue. 

Then in XX/XX/XXXX, 9 and 1/2 years after the fact, without letter or notice the debt was placed into collections and reported on my credit report. Seven years from last hearing from them I have a debt collection on my credit score.

My best friend 's father is a loan officer and works closely monitoring people 's credit and issues associated with thier credit. After explaining to him the sutitution he informed me that what they, XXXX, did was illegal mainly due to the length of time involved. 

Unfortunately since such a great and lengthy time has passed I do not have any of the original bills or responses because I thought the issue was dismissed or handled.
Consumer complaint received 2023-04-04
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. (NV)

There were inquiries fraudulently being placed on my account without recognition and without my consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

We have applied for a loan modification because our income has changed. I submitted all of the documents and then call and they would inform me they need another document. Id send the document requested call back and they would tell me they need another document they didnt inform me of during the last document request. They carry on in this manner until the documents submitted are outdated. I finally received an answer after submitting documents twice and they told me I wasnt eligible for a loan modification because I had the lowest interest rate possible at the time and I wasnt 3 months behind. Since then Ive started the process again and its the same cycle. They say Ocwen is where they help customers but they are not helping me.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P. (MO)

XXXX XXXX XXXX for a equipment that was returned. Southwest credit systems previously tried to collect. This debt was disputed and Diacharged. I received no follow up from southwest credit system after this late XX/XX/XXXX. Received a collection call from southwest credit solution on XX/XX/XXXX
Consumer complaint received 2018-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

For the past three months various phones from the XXXX company have been calling me at least once a day indicating that they want to provide information about trips that I have won and things of that nature. Every time a recording machine calls and even after using the option for them to take me off their list they are still calling. 
The numbers are the following : XXXX XXXX
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (NY)

I requested a detailed description of the alleged charges, dates, and amounts over the phone. Instead I received a letter with just the total alleged amount. I responded with a written dispute letter as I do not agree with the amount in question requesting again a detailed description of the alleged charges in writing. My dispute has not been responded to and the company continues to repeatedly call all day and night and harass my father and provide him with information that is inappropriate. They then attempted to withdraw money from my bank account fraudulently and without my permission and I had to cancel all of my cards.
Consumer complaint received 2019-04-30
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. (AR)

XXXX XXXX Transunion - XXXX XXXX XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/2019 to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX cars. 
I wrote a 2nd request onXX/XX/2019and have not received a response.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (MA)

On XX/XX/2021, I received a letter from XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX claiming that I owed {$990.00} in unpaid debt because a person named XXXX XXXX residing at XXXX XXXX XXXX, XXXX, MA XXXX failed to pay Staples  with a Citibank N.A. credit card. 

I responded in writing with a certified letter that I am not this person, have never lived at said address and never had a Citibank credit card or had an account with Staples. 

XXXX XXXX XXXX wants me to sign a document notarized indicating that this is fraud. They must determine fraud not me. My letter to them states as much. See letter attached. XXXX XXXX continues to send me demands for proof.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-07-25
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: Upgrade, Inc. (AZ)

My wife made a online purchase for vitamins for XXXX dollars this company charge my card card that amount but continue to keep charging my card. I called my credit card company as soon as I realize what was going on. And told them what had happen I was charged XXXXAfter the 1st charge I inform the card company and told them it was fraud. I have been trying since XXXX to get a refund the merchant kept giving me the run around and never refund me on cent. At first the credit card company put the money back on my card while they investigated the charges.They asked me for a receipt but I told them I never receive one it was done over the phone online. In the meanwhile in that 60 day period I never received my package so I asked the credit card company to help get all my money back. unfortunately in the 60 day time limit I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX so i missed the time i was i could not appeal and i was liable for the XXXX
Consumer complaint received 2018-08-14
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: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

We noticed that there was a charge of {$520.00} on our Bank of America credit card that we knew wasn't ours. We found out that it was from a company called XXXX XXXX XXXXXXXX that we never heard of. We later learned it is part of XXXX XXXX XXXX   XXXX. We also had a notice to pick up a package from the post office and learned it was from XXXX XXXX XXXXXXXX. 
We contacted Bank of America and also disputed the charge on our online account. The merchandise was purchased on XX/XX/2018. We spoke with someone in the fraud department and explained that we never ordered this and someone obviously stole our credit card number and info and used it at this place. She said they would check into it and credit our account and to reject the package. 

We went to the post office on XX/XX/2018 after having to wait over the weekend, and told the clerk we reject it and to send it back because we did not order it. The bank credited our account XX/XX/XXXX but reopened the case. We got a letter on XX/XX/XXXX stating we were responsible for the charge because our address was included and verified with the purchase! That's a lame excuse since any crook can find your address and info on the internet! So the charge is still on our account for something a crook bought and Bank of America wants us to pay for it! 

So we also called XXXX XXXX XXXX which as I said is also known as XXXX XXXX XXXX XXXX We spoke with " XXXX '' and after explaining this he said he would call us back after talking with his supervisor. He checked for the returned package and confirmed it was received by his company. This was XX/XX/2018. He called us back that evening but we weren't home so he left us a message on the voicemail that his supervisor said they would issue a refund by the end of the day. That didn't happen! We called them this morning, Tuesday, XX/XX/XXXX and spoke with " XXXX '' at XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. She said customer service would have to issue the refund and we had to talk to them. When she came on the phone, she said the refund would take 14 days from the previous Friday! Meanwhile we called Bank of America and they said they would reopen the case and it would take up to 60 days!!!

We are being jerked around by Bank of America and XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. We are the victims and they are protecting the crooks!
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Citizens Bank- Again.

Payments that posted as pending on XX/XX/XXXX, showed a deduction in my balance on Citizens app. Then they were again deducted after three days. I telephoned my bank and the representative agreed with me. There are several mathmatecal errors showing my ( now lack ) of funds. I've caught Citizens using magic math in the past. Now, it's becoming an epidemic.