davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (NC)

Hello, thanks for the opportunity to talk about my issue. I moved from XXXX to XXXX XXXX  on XX/XX/2022. This week I've notice a debt collection under LJ ROSS Associates was posted under XXXX AND XXXX.I didn't have the opportunity to validate if this is a valid DEBT and if so, im more than happy to make a payment plan, but first I would like to dispute and if DEBT COLLECTOR can proof otherwise I will more than happy to make arrangements. I've request USPS to forward all mails to my new address in XXXX  before I moved from XXXX  to XXXX and I never received any mails from XXXX which is the debt reported under both credit bureau above. I don't know how to deal with this. 

Could you please help me? 

Thanks so much XXXX
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rauch-Milliken International, Inc. (OR)

It is widely known that XXXX XXXX became XXXX XXXX and as a failing business model ( numerous complaints ). In the past I was contacted annually to renew my yellow page advertising. In anticipation of closing my business in 2019, I canceled my advertising. 

In addition, XXXX XXXX and XXXX XXXX failed to live up to their contract terms of providing XXXX yellow page books to XXXX XXXX. I contacted them that I had not received my annual copy of the phone directory and yellow pages. 

The amount owed is incorrect and fraud for two reasons. I terminated the agreement, never agreed to continue the 'advertising, and the company did not provide the service they promised.
Consumer complaint received 2022-03-09
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. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-09
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. (NC)

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (NY)

Good day I made a purchase for several item which was never received when the company ( macy ) state that they ship my item in XXXX of 2021 the item was never delivered I called the company and they only replace the earrings but tge necklist was never replaced I keep calling macy resolve the problem and the send me an email in XXXX saying that they are on able to resolve my issue and I have to pay for the backlist I call again in XXXX XXXX and a new dispute was open and as of now they can not resolve the issue but they can report none payment to the credit department which is affecting my credit score and they are charging interested rate every month to the item total I pay the interest rate up to XXXX of last year then I just call and close my account last year because I got frustrated and Im getting XXXX  because I dont know how to resolve this
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (TX)

FedLoan sent me a letter stating that they have evaluated *all* of my employment history for the federal student loan forgiveness program. This is not possible, as I sent in 12 years worth of history / forms, and they have only looked at and counted five years worth of my forms. This type of communication is inaccurate, and causes anxiety. They are impossible ( IMPOSSIBLE ) to get a clear answer out of. When I try to call, I am often on hold for 4+ hours, and sometimes am hung up on by the customer service rep who answers. I expect more expedient and complete counts of my qualifying payments toward my student loan forgiveness.
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I consolidated my loans due to the PSLF waiver and I repeatedly got told that if I consolidate, my loans would restart. I had over 100 and this information caused me to wait to consolidate, waste tons of time researching and call waiting on hold or messaging with no responses. I am in a limbo now with my loans and it is still showing 0 counts toward PSLF. Fed Loan is not changing any verbiage and this is freaking many out and making many more not consolidate in order to benefit from the waiver. I am also showing payments that were made and are showing that I was in forbearance but payments were made at that time.
Consumer complaint received 2018-08-13
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. (CA)

I had a joint mortgage account with my ex-husband with XXXX, and noticed that my most recent Equifax credit report contains a late payment reported on XX/XX/2012. I submitted a letter to XXXX documenting that circumstances revolving this late payment ( s ) were unavoidable on my end. I separated from my ex-husband and joint account holder, and vacated the home on XX/XX/2012. I have provided XXXX with a copy of my divorce decree showing this. I moved to an entirely different state in XX/XX/2012, and was in a different residence when the late payment ( s ) may have occurred. I have also provided them with a copy of my bank statement for XX/XX/2012 showing that at that time my address was XXXX XXXX XXXX, XXXX GA, XXXX. 

Apparently, my ex husband was working with XXXX somewhere around that time ( XX/XX/2012 ) to complete a mortgage modification, which XXXX required that the he be late on the mortgage before they would provide assistance. I was unable to make payments on the mortgage at a home I vacated, while also making rent payments for my new residence. 

The letter I sent to XXXX was sent from my current address, but XXXX will only send a response to my ex-husband 's address. XXXX has refused to speak with me by phone to rectify this issue and continues to state that I must dispute by mail, although they refuse to reply directly to me by mail.
Consumer complaint received 2018-08-13
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. (MI)

Since Last XXXX I have had an Erroneous collection Listed on my Trans Union Credit Report from a certain XXXX XXXX XXXX dated XX/XX/2017. I have asked Trans Union to investigate this with the total of more than 45 days+ elapsing with no satisfactory response. No reporting completion of any kind was submitted nor a notice or explanation of why the collection remained either. Nor Was I sent certified notices of contact from the collection furnisher.
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNTRUST BANKS, INC. (CT)

XXXX XXXX XXXX XXXX claims I owe XXXX to Sunturst, this account was closed with numerous overdraft fees charged which are in dispute, Suntrust would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused Suntrust account to become overdrawn and fees charged. Stop payment is not my error, however, Suntrust refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXX XXXX to Suntrust. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears Suntrust did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, XXXX XXXX XXXX needs to remove account from collections as well as any credit reporting agency.
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (CA)

I noticed on XX/XX/2018 that my checking account had - {$49.00} and that the reason for this was because the credit card company deducted the full ( {$670.00} ) credit card statement from my checking account instead of the minimum amount ( which I had set up to be deducted monthly using auto pay ). I immediately called the credit card company the same day to reverse this payment, which they said they wouldn't be able to do until the payment was out of " pending ''. Once the payment went through on XX/XX/2018 I called again because the funds still were not transferred back into my account, to which they said, it would be one more week until that would happen. I asked if there were any way to speed that process up. They told me the funds would go back into my account within one to two days if I faxed them a screen shot of my bank statement showing the {$670.00} that was deducted with my accounting and routing numbers attached. I sent them this information the same day. I called again, Saturday XX/XX/2018, because it had been three days since I last called and the funds were still not in my account. They told me they would not be able to begin the investigation process until the following Monday because they are not operational on weekends. I called back Monday, XX/XX/2018 to see If they had started to correct the issue. The supervisor told me it would take up to five days from XX/XX/2018 until the payment would be transferred back into my account. That was today and is the reason for my complaint.
Consumer complaint received 2021-12-02
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. (MD)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2020-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: BlueChip Financial (AZ)

I took out an XXXX loan in XX/XX/2019 with a payment of around XXXX every other week. I did miss a payment in XXXX which the company in turn increased my payement to XXXX. I have paid over XXXX on this loan already and when I asked them about a settlement to get me out of this they said that I needed to pay XXXX to clear the debt today or continue paying the XXXX for the next 14 payment ( which is over 2600 )
Consumer complaint received 2018-08-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

On 5 different occasions I have contacted Fair Collection and Outsourcing in  XXXX XXXX MD XXXX @ XXXX. 

I have sent over my police report for stolen identity. I have signed an affidavit that this was not my account. 

I lived at XXXX XXXXXXXX XXXX XXXX XXXX Maryland XXXX from XX/XX/XXXX - XX/XX/XXXX. I have provided my DL and they are refusing to remove it from my credit report. I work for the department of homeland security and have to have this unpaid debt removed from my credit report inorder to maintain my clearance.
Consumer complaint received 2018-08-13
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: JPMORGAN CHASE & CO. (CT)

In XXXX of this year, I made a trip to XXXX. During this trip, several fraudulent charges were made in rapid succession at one establishment. I noticed these charges, notified Chase bank credit department immediately ( from XXXX ) and they immediately reversed the charges ( on a temporary " credit '' basis ) while investigating the charges. Over a month later, I received a letter in the mail from Chase stating the charges were found to be valid, and the credit was reversed. I called twice more to re-review the claims and they 2 more times found the claims to be valid, without giving any reason or transparency as to why they found these charges to be valid. Finally, I called my personal banker at Chase to see what he could do, however, he has not responded to multiple attempts to contact him. The charges are over {$6000.00} and from XX/XX/2018. This is completely unacceptable, and I am getting nowhere contacting the same departments over and over again, very disappointing. Thank you.
Consumer complaint received 2022-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX # XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 Per the Fair Credit Reporting Act, a consumer may request a description of the procedure used to determine the accuracy and completeness of disputed information. It also states that the credit bureau shall provide a description of such investigations within 15 days of the consumers request.
Consumer complaint received 2022-03-09
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. (MI)

I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$56.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020
Consumer complaint received 2018-08-13
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK (TX)

Gateway Mortgage District Manager XXXX XXXX recently listed a house w/ XXXX XXXXr- XXXX XXXX that my wife and I were interested in. We had got our prequalification done months ago so we could move forward w/ an offer as soon as we found a house w/our prequal amount ( {$300000.00} ).  Soon after we submitted our offer XX/XX/2018 our agent called me to inform me there is a note on the internal portion of the MLS listing that requested the buyer to go through Gateway for their prequal. I told my agent that why do they need this if we have already prequalified and she responded that the seller ( Gateway Mortgage ) was just looking to prequal w/ them and to talk to us so we could go forward. My agent also sent me a phone # for a loan officer XXXX XXXX XXXX to give him a call and see what he had to say. I asked our agent does this mean they are taking my offer for their house and she said she would ask ( she texted listing agent and called and got no response ). My wife and I went  ahead and called XXXX. He started the conversation by telling us we could do the prequal over the phone or on line. My wife told him she did not think it was necessary and also did not feel comfortable giving the seller our personal info. At this time XXXX said he would keep it private even though his manager is the seller of the property. When we asked about his relationship w/ XXXX he said they were co-workers. When my wife asked why we would need to redo a prequal XXXX responded that it was to make sure we had qualified for an amount to cover the loan and the seller felt more secure if the loan was a local lended. This is when my wife assured him we were w/ a local lender and that he must empathize w/ us being put in this awkward situation. He said he recognized the lender and said he was just doing what was asked from him from the seller ( his manager. ) and implied that if we did not go ahead and get a prequal letter from his company that the contract may not go through. We ended the call soon after he told us of his weekend availability. Two minutes later we received a text from our agent that our offer was rejected. I asked my agent today XX/XX/XXXX for a copy of the inter MLS portion and she said they removed the mortgage steering language from the listing since Friday.
Consumer complaint received 2020-07-31
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANNER CORPORATION (CA)

On XX/XX/2020 I XXXX XXXX mailed a deposit from outgoing mailbox @ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to Banner Bank XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX. 
When it didn't show in account I called Banner Bank on XX/XX/2020 & talked to XXXX on phone, who is a teller. 
She said they had not received it yet, might be a mail delivery issue. 
It's XX/XX/2020 & still no check delivered to the same town.Usually takes 1 day. 

XXXX XXXX
Consumer complaint received 2019-03-30
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. (KY)

I was XXXX for almost 10 years. I was released from XXXX on XXXX. Almost everything on my credit reports and XXXX and XXXX XXXX reports are fraud! I could not possibly have taken out and credit or opened bank accounts during XXXX. Also fraudulent tax returns were filed in my name. Ill list credit report fraudulent accounts, inquiries, public records first. Also there are addresses and employers listed that are apart of the fraud. Ill then list bank accounts reported by XXXX and XXXX XXXX. Then Ill list the years of fraudulent tax returns. 

Accounts : XXXX XXXX XX/XX/XXXX {$67000.00} XXXX Bank XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX Credit Card XX/XX/XXXX {$1500.00} XXXX/XXXX XX/XX/XXXX {$800.00} XXXXBank/XXXX XX/XX/XXXX {$620.00} XXXX Bank XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$1200.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XX/XX/XXXX {$450.00} Public record : Bankruptcy XX/XX/XXXX Bankruptcy XX/XX/XXXX XXXX and XXXX XXXX : XXXX bank XXXX XXXX bank XXXX bank XXXX XXXX bank XXXX bad check Ive also found out that fraudulent transactions have been done with the following companies : XXXX XXXX XXXX My family is teaching me about technology and we were trying to setup XXXX and they said my account is frozen. XXXX also wouldnt let me create an account and XXXX had all kinds of security issues. 

I have been contacted by more companies stating I have outstanding debts. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I took a taxi ride outside port authority bus terminal in XXXX, to XXXX XXXX Train station in NJ, the cab driver threatened to leave me stranded if I didn't provide payment up front. He pulled over after crossing the NJ turnpike toll close to the Medowlands, he demanded my credit card upfront for payment, ( first my XXXX XXXX ) he swiped it 2 times, one for {$700.00} which was denied for fraudulent activity, and then he swiped it again for {$870.00} which did go through, he lied and said it didn't go through and then demanded my other credit card in which he charged another {$540.00} ( including a {$90.00} tip to himself on my Capital One card and he also forged a signature that barely looks like a scribble. I have a copy of the receipt pull of the XXXX website, where there is a copy and clear proof of this, both transactions were made by different card readers, I never swiped the card myself, and neither did he give me a number or a receipt, again this was all swiped during the trip not after, and he did not meter the drive. I had XXXX on the phone while he was still driving me and he was harassing me the entire ride, I made sure the XXXX rep heard everything the driver was telling me. The rep was kind enough to stay on the phone with me for about 1 hr, because of the unsafe situation.