davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIZENS FINANCIAL GROUP, INC. (DE)

This complaint is related to my previous complaint filed under # XXXX. The person by name XXXX who responded to my complaint indicated that I needed to fax to a specific number copy of my driving license and a copy of one bill which I did on XX/XX/2024. Now is XX/XX/2024, and no transfer of the reward balance was made. This is another indication that Citizens bank harasses us, XXXX citizens and national minorities and provides fraudulent responses to our complaints to CFPB.
Consumer complaint received 2023-03-21
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. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my numerous 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. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00}
Consumer complaint received 2023-03-21
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. (NJ)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still many items to be corrected. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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
Consumer complaint received 2024-04-03
Product: Credit 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: DISCOVER BANK (NC)

My identity was stolen in XXXX and fraudulent charges started to show up. I contacted Discover to cancel all of the cards and to notify them of the identity theft. On XX/XX/XXXX, they sent a new card number to the person who stole my identity at the following address : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, which they provided me with and I made sure to include on the police report that I filed. ( XXXX XXXX Sheriff 's Office, XXXX XXXXXXXX XXXX ). 
This person had called in pretending to be me and managed to get Discover to send them a new card. Large transactions followed, in excess of XXXX. I reported it as fraud immediately but Discover has still not resolved and just sent me a letter saying the Fraud claim was withdrawn by someone over the phone. This was not me. I told them as much. They are now telling me they need another 90 days to investigate, which puts us out to XX/XX/2024, when I first reported everything the first of XXXX.
Consumer complaint received 2024-04-03
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: Resurgent Capital Services L.P. (IL)

Subject : Dispute of Account - LVNV Funding LLCXXXX To whom it may concern, I am writing to address my deep dissatisfaction and concern regarding the handling of the LVNV Funding LLC account information on my credit report. It has recently come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to rectify these discrepancies.

I formally request a comprehensive debt validation process, encompassing the following details : Original Contract : Kindly furnish a complete copy of the original contract between LVNV Funding LLC and myself pertaining to the account in question.

Original Creditor : Clearly state the name and contact information of the original creditor associated with this account.

Original Open Date : Provide the precise date on which the LVNV Funding LLC account was initially established.

Date of Last Payment : Specify the exact date of the last payment made concerning this account.

Date Account Was Closed : Indicate the date on which the LVNV Funding LLC account was officially closed, if applicable.

I am fully aware of my rights under the FCRA, and it is apparent that XXXX has failed to meet its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within XXXX days from the date of this letter will leave me no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter a formal notice of my intention to do so. 

I anticipate a timely response, including the requested documentation, to be sent to the provided address. Furthermore, I expect any necessary corrections to my credit report to be promptly implemented. 

Sincerely, XXXX XXXX XXXX and wire fraud, negative status and charged-off accounts, extortion, and lack of validation are issues that need to be addressed promptly.
Consumer complaint received 2023-03-21
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: CAPITAL ONE FINANCIAL CORPORATION (WI)

Capital One consistently deny my disputes despite proof of due refund and still made me pay interest on canceled transactions. 

I disputed a XXXX XXXX XXXX  charge because I canceled the purchase within the timeframe and was still charged. I submitted email with proof of due refund and explained situation. Capital One repeatedly denied my claim and appeals within 20minutes of receiving the paperwork or I would get a notice saying it was never sent in. 
The excursion staff manager, XXXX informed me that the refund had to be canceled and processed separately by a different department due to it being charged with the room and I should receive my refund at checkout. 
I emailed back and forth with XXXX regarding my refund and spoke with the XXXX booking department. The last correspondence from XXXX was his team requesting my full credit card number which I did not feel comfortable providing via email to someone in a different country so I submitted the request to capital one. The excursion staff informed me that CapitalOne was allowing them to keep the funds and they would not be refunding me. 

The room was {$390.00} The excursion was {$230.00} TOTAL : {$630.00} Upon arrival I was charged tax making my grand total : {$630.00} I am disputing {$240.00} of this amount for the excursion and associated tax
Consumer complaint received 2019-07-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (WA)

Ten years ago, I started paying my direct federal student loans ( both subsidized and unsubsidized ) under the income-based repayment plan, as required by the terms of the Public Service Loan Forgiveness program. At this point I worked for a not for profit organization, after graduating from medical school with {$200000.00} in student loans. 

Two years ago, I realized that my payment count towards the PSLF for the subsidized loans were different than the PSLF payment count unsubsidized loans. This seemed odd because all payments made in years prior were always split between unsubsidized and subsidized loans, so how could the tally be different. 

At this point, XX/XX/XXXX, I filed paperwork to have this information reviewed. It is XX/XX/XXXX, and after a dozen phone calls over that time period I have yet to have an answer. I am at just about at 10 years and need to file my loan forgiveness application. Each time customer service says the same thing. 

Im getting tired of not being able to get answers so I can take care of whatever needs to be done to get this loan reviewed. We waited to have a family and have put off other plans trying to wait for this to resolve. The unknown makes it hard to plan major life decisions. 

Please help.
Consumer complaint received 2018-05-01
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: Experian Information Solutions Inc. (TX)

After sending information to verify myself with my disputes, Experian has sent a refusal to investigate my credit file claiming a Suspicious Request. XXXX and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules. Please investigate this pattern of gross violations of my rights. I personally know of 21 other people in my advocacy group who have gotten this same canned response from Experian because they think no one will take legal action ... 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX   XXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX  XXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX   XXXX not mine XXXX  XXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX not mine XXXX XXXXXXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXXXXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Consumer complaint received 2023-03-21
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. (MD)

I discovered that the same information on my credit report was inaccurate. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX {$13000.00}
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A. (FL)

There is a fraudulent application on my credit report. 
I talked to city bank today and the address and phone number is not mine that was used to open the account. 
I have a police report and identity theft report. 
City bank is refusing to remove the inquiry or credit even tho the information does not match mine.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2017-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CT)

Good morning I have a Navient Student Loan Account # XXXX with a new balance of {$90000.00} compounded daily at 6.800 % daily ( Direct Loan- Unsubsidized ). In XX/XX/XXXX, I called Navient for help & advise because my husband just died of XXXX. I lost my husband 's income and my student loan balance was right around {$78.00}. I graduated XX/XX/XXXX with my XXXX degree as a XXXX. 
I called and asked Navient for help ( XX/XX/XXXX ). I asked if I could reaffirm my loan and they said " NO. '' I never received any counseling on the issue. They said there was n't any other options, except Forbearance. So I had no choice. I needed to get on my feet again & pay for a funeral at that time. So I took the " one & only option. '' which was forbearance. For the last year I have accrued daily interest at 6.8 % on my loan resulting in over XXXX in loan debt. 
So three month 's ago the forbearance period was up & I started paying monthly on my student loan. My complaint is, I was n't given any other option and have accrued over {$10000.00} in interest and by balance is still increasing every month. Navient never gave any counseling or alternative & most of all they would n't help at all. 

Thank you XXXX XXXX
Consumer complaint received 2024-04-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (FL)

I had asked to talk with a rep to cover the upcoming fees. A video conference was scheduled on XXXX XXXX, and the representative XXXX XXXX did not show up to the call. I subsequently rescheduled a call for XXXX o'clock on XX/XX/XXXX with her, and she didn't show up. I called branch that I think she is assigned to, and they were not accepting calls. All I get is bought through the chat, and representatives on the phone who can not contact people within city to handle this. It always seems to be somebody else 's department.
Consumer complaint received 2023-02-10
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: EQUIFAX, INC. (NJ)

Hello, I have mailed in several disputes with the 3 major credit bureaus ( XXXX, Equifax and XXXX ). XXXX XXXX XXXXXXXX shows on my credit report as late 90 days and settled for less amount. It's showing twice which I have never been late nor settled the accounts. It should show Paid In Full Closed Never Late. 

There is another derogatory on all three credit bureaus for XXXX XXXX. I have contacted all the 3 credit companies and XXXX XXXX regarding this XXXX XXXX XXXX XXXX XXXX which I never owed. I submitted several claims and disputes by mail and online and it keeps returning with the same negative information. XXXX XXXX is not aware of this account allegedly belonging to me I am writing to you to please help me get this issue resolved. 

The following is the most recent dispute results opened on XX/XX/2023 and Results came back on XX/XX/2023Report Number XXXX Date Generated XX/XX/2023 XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

XXXX XXXX XXXX Account XXXX Remains The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 


Thank very much.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX SSN : XXXX | XXXX : XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly.

Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Also, why did you not send me copies of the verification like I asked?

As I am sure you are well aware, current case law states that Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations proposed by 1681 ( a ) ( 4 ).

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.

The law is very 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 Account {$370.00} * Please remove all non-account holding inquiries over 30 days old.
Consumer complaint received 2015-11-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ZWICKER & ASSOCIATES (TX)

Zwicker & Associates ( XXXX ) has called me XXXX, telling me that I have outstanding XXXX XXXX credit card debt. This is NOT my debt. I shared basic info about myself ( address, last XXXX of social ) and they confirmed it is not my debt. But they continue to call. I am worried they will use my information to do more damage to me.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$290.00}.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MA)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, MA XXXX ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA 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