davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (MA)

XXXX/XXXX/16 I authorized a {$280.00} payment to Citibank/Best Buy. They attempted to take {$3800.00}. I called them on XXXX/XXXX/16 after receiving an email notice of this attempt. Citibank assured me it would not occur but if it did it would take 60 days to resolve. So, I put a stop pay on my XXXX Bank account for safety. Citibank also said that they would only take the {$280.00} payment authorized. Citibank attempted to take the {$3800.00} and marked the account as Paid in Full. I kept logging into the account online to make sure the payment of {$280.00} but the account showed {$0.00} balance. All attempts by me to make the payment were declined as their system showed a {$0.00} balance. On XXXX/XXXX/16, I received an XXXX Credit Report Warning that Citibank had reported my account as past due. NOTE : this is my ONLY late payment ever in my XXXX years of life. I immediately called Citibank, explained the problem again, made the payment. Found out that Citibank could n't make the original {$280.00} payment because it deactivated all access to my XXXX Bank account for payments which was their mistake. I ended up paying {$300.00} from another bank account and was assured that the mistake would be corrected and reporting corrected to credit bureaus. In speaking with XXXX a Citibank Team leader on XXXX/XXXX/16, I was told the correction to my credit report was put through. I called again today, and spoke with XXXX, who told me this was not the case and that it was being reviewed still. I have documentation of all of this from the {$280.00} payment amount to emails from Citibank to bank stop pays to erroneous reports. I filed a written complaint with Citibank/Best Buy as well as all credit bureaus. Citibank has simply made errors, lied about correcting them, and essentially done nothing.
Consumer complaint received 2016-07-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

This is a continuation of the issue that was addressed in complaint # XXXX. Ditech addressed the complaint noted above and posted my payments to my mortgage XXXX/XXXX/16 as well as waived the late fees. I received my XXXX/XXXX/16 statement from Ditech and now my XXXX payment has not been applied to my mortgage account.
Consumer complaint received 2022-10-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (VA)

Medicredit XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Account # XXXX has been sending me collection notices in the amount of {$4400.00}, the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2019-06-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On or about XX/XX/2018, XXXX XXXX visited XXXX XXXX located at XXXX XXXX XXXX XXXX ; XXXX, Texas. Present with XXXX XXXX was : XXXX XXXX and XXXX XXXX. 

XXXX XXXX XXXX XXXX, XXXX XXXX submitted a Finance Application to Capital One Auto Finance. 

XXXX XXXX father, XXXX XXXX XXXX also joined the application as a co-buyer. 

XXXX XXXX, after agreeing to all terms and conditions of the Finance Agreement, took possession of the XXXX  XXXX XXXX. 

As a marketing strategy of Capital One Auto Finance, XXXX XXXX began receiving robotic phone messages, as well as invoices, indicating that he was the principle person listed on the loan. 

Several attempts were made through Capital One Customer Service to correct XXXX XXXX XXXX, to correct him as being the principle borrower, and to place him, as per theFinance Agreement '' back to the co-buyer. This request was denied. 

XXXX XXXX, XXXX XXXX, and their brother-in-law, XXXX XXXX XXXX, spoke with a member of the Escalations Team in the Office of the President. 

The Representative in the Office of the Presidential Escalations Team only identified herself as XXXX. She would provide no other pertinent job-related information about herself. 

XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX were all on the conversation. Proper consent was provided to the Agent, known as XXXX, to speak with XXXX XXXX, who was more knowledgeable about the issue. 

.XXXX. XXXX advised the Representative, known as XXXX it is a violation of banking laws, the Truth in Lending Act, including other state and federal laws for a Lending Institution to modify or change an Auto Finance Agreement without the express consent of all parties involved. : XXXX advised XXXX XXXX, XXXX XXXX, and XXXX XXXX, that it was submitted to the Capital One Auto Finance Company to the contrary and that Capital One Auto Finance would not modify or change the Auto Finance Agreement. Although the Financial Agreement signed at the Dealership clearly shows to the contrary. 

The parties placed XXXX on Notice, that they would be filed in violation of the Truth In Lending Act ;, and The Texas Deceptive Practices Act would be instituted against Capital One Bank and its subsidiaries, for clear violation of state and federal banking laws. 

XXXX XXXX and XXXX XXXX both submit that, the bank has failed to comply with state and federal banking laws. 

Because of these actions and/or inactions, the proposed Plaintiffs have been subjected to their personal credit reports incorrectly reporting their true credit worthiness to other financial institutions. 

XXXX XXXX and XXXX XXXX make a formal request to correct this erroneous information, and that damages be awarded under state and federal law for these intentional acts.
Consumer complaint received 2019-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

I put in a dispute with Equifax Credit Reporting Agency on my account that was in collections with XXXX XXXX XXXX in the amount of XXXX dollars on XX/XX/2019. Prior to that on XX/XX/2019, the equipment was returned in value of {$87.00} in collection debt upon receipt. On XX/XX/2019, I spoke to a representative from XXXX to get my current account status. He confirmed my account was XXXX and on XX/XX/2019 they would be reporting to the collection agencies as they do weekly to update the status of the account. On XX/XX/XXXX, I called again to confirm my account status after speaking to Equifax and noticing they did not change or update my account on XX/XX/2019 or delete the account even after I submitted a dispute on XX/XX/2019. I wanted to know if XXXX reported for deletion as I was told by them, on XX/XX/2019. An agent fro XXXX confirmed that my account balance was XXXX and on XX/XX/2019, they reported to all the credit agencies for deletion on my account that was in collections. After speaking to an Equifax representative, I was refused of any information regarding my dispute. I was told ; in order for them to remove the debt and update my credit report I needed to " authenticate '' my identity by sending in my ID and social security card because the information I gave them wasn't enough. I stated my correct information to access my credit report but was told they still needed for me to send in my ID and social security card and if not then they would not update the status of my account even after the collection agency requested for the account to be deleted on XX/XX/2019.
Consumer complaint received 2019-06-15
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. (NY)

I recently put in a complain about this company and their response was that the account listed below was not on my credit report. I waited 30 days and its still on my report. Please have this item removed because it doesn't belong to me. 


1 ) XXXX XXXX XXXX XXXX ACCOUNT # XXXX OPENED XX/XX/2018 BALANCE {$2700.00}
Consumer complaint received 2019-06-15
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SYNCHRONY FINANCIAL (NJ)

So I had applied for a line of credit through pay pal approximately 5 years ago or more .. had the line used paid it, recurved a few increased. Back in XXXX of XXXX I was a victim of identity theft and someone attempted to apply for an additional line in my name. Pay pal credit flagged it because the email was different from the one I had on file. I called they said they were going to investigate, and freeze the account. No one explained to me that I would not only not be able to use the line, I cant even access it online to make the payment, how Ive been doing it for years. Pay pal credit changed owners they are now owned by synchrony bank. Because of that know one knows what they will do to reinstate the account for something that wasnt my fault. I applied for a line of credit, its an opened ended loan, and I have no access to it. Its now XXXX and they still cant give me an answer but to reapply.. have my credit ran again. I dont see how this is right. Im not happy at all, and I plane on seeking legal action
Consumer complaint received 2024-02-08
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Problems receiving the advance — 
Company: Credit Karma (FL)

On XXXX XXXX XXXX I filed my XXXX Federal Income Tax with Turbo Tax online. I was offered to file for a Refund Advance through Credit Karma, I applied and was approved for {$1500.00} the advancement was sent to an Account that Credit Karma created called a Credit Karma Spend Account. I received the XXXX XXXX on XX/XX/XXXX into my Credit Karma Spend Account. On or about XX/XX/XXXX the Credit Karma Spend Account was closed without my knowledge. I contacted Credit Karma and was told it was system error and that it was being sent to a supervisor and that my Credit Karma Spend Account would be re-opened not to be concerned that my remaining tax refund minus the Refund Advance would be deposited into my account. Weeks passed and still my Credit Karma Spend Account was not re-opened so I contacted Credit Karma and was then told that they sent an email back in XXXX asking for me to verify my information or that my Credit Karma Spend Account would be closed, I went back through my emails and the ONLY email I received from Credit Karma was in XX/XX/XXXX that was sent to my spam folder so I was never notified but the email stated that my Credit Karma Spend Account was closed at this time. When I filed my XXXX Federal Taxes with Turbo Tax on XX/XX/XXXX in order to qualify for the Refund Advance I had to verify my information to link my Turbo Tax Account to my Credit Karma Account so at this time all information was verified and the {$1500.00} Refund Advance was deposited into the Credit Karma Spend Account on XX/XX/XXXX. In order for it to be deposited my Credit Karma Spend Account was open at this time and I was able to use my prepaid debit card that expires in XX/XX/XXXX. Now I have a closed account that I can not use, and I now have my remaining Federal Refund being deposited on XX/XX/XXXX into an account that is now closed, I can not get any assistance to rectify this situation. XXXX XXXX is blaming Credit Karma and Credit Karma just doesn't care. I paid to file my taxes and to get the Loan processed.
Consumer complaint received 2019-06-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

Our XXXX Property Taxes have not been paid. An escrow account was set up with our mortgage in order to pay for the property taxes and homeowner insurance. Amount available on our escrow account is more than enough to pay for the property taxes. Deadline to pay the XXXX property taxes was XX/XX/XXXX, and our mortgage was transferred from a company to another on XX/XX/XXXX. The previous mortgage company failed to pay within the deadline, and the current one is not paying it either despite several emails, calls, and a notice of servicing error since early XX/XX/XXXX, when we found out that property taxes were not paid. We never received feedback to our emails, we were told twice on the phone ( early XXXX, and then early XXXX ) that the taxes would be paid by the end of the month, but this was not done in both cases. Today ( XX/XX/XXXX ), the mortgage company solution is to offer to refund us money out of the escrow so that we pay the XXXX property taxes ourselves. But, this is not acceptable to us because late payment penalties have been building up since early XXXX ( ~ {$730.00} ), and we want these late penalties to be paid by the mortgage company who failed to pay our property taxes in time. 
We have been in touch with the county Tax office to explain the issue, we were notified that after XX/XX/XXXX, the issue will be handled by Tax Office to a law firm, and additional penalties and attorney fees will be due.
Consumer complaint received 2021-02-16
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. (TX)

I am working with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they worked with Avant to settle the account on my behalf. In return, XXXX negotiated the outstanding balance with XXXX XXXX and agreed to terms which they included on their letterhead. The agreement was that I would pay {$260.00} and that would settle my account. Since then, XXXX has continued to negatively report the balance on my credit, stating that I still owe a past due amount. There is no indication that the balance was settled as agreed, instead they report that they charged off the account and I still owe a past due balance as of XXXX 2020. I've disputed this reporting with all 3 bureaus multiple times and each time, they come back and state that XXXX stated that the credit reporting is accurate and will remain unchanged. I just want my report to accurately reflect that I've settled the debt and do not owe it. I've sent the settlement letters and proof of payment to XXXX to all 3 credit bureaus and they still continue to report that the tradeline will remain unchanged. I've worked hard to resolve this debt with them and they refuse to accurately update my credit report. XXXX  is the most recent bureau to deny yet another dispute of this information even though they have the supporting documents to show that the balance was paid/settled as agreed.
Consumer complaint received 2019-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

XXXX university has shut down and I still have outstanding debt with them. I was told that once the school was shut down I could file to have these loans gone due to the school shutting down I would I do this?
Consumer complaint received 2019-06-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NRA Group, LLC (NC)

There have been a collection account placed with the 3 credit bureaus on an account that was included in a bankruptcy. 
The bankruptcy in question was discharged on XX/XX/XXXX. National Recovery Agency added this to my credit reports claiming it was a new account opened in XXXX of XXXX for {$210.00}. This information is totally inaccurate And I gave them the correct information via telephone and also gave them my bankruptcy lawyer contact information, whom they never contacted.
Consumer complaint received 2020-09-24
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: CBC Companies, Inc. (TX)

I just received my credit report and I see an inquire dated XX/XX/2020 by your company. 
To my knowledge, I did give anyone from your company permission to pull my credit report. I did not file a police report because Im giving your company an opportunity to fix this matter. 

If this matter is not fix immediately, then I will pursue legal actions. Please immediately delete this inquire from my credit reports. 


Please see the inquire detail information listed below : XX/XX/2020 XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent item on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 


I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of this fraudulent item is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Item : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove this fraud item or collection account in my credit file : XXXX XXXX XXXX Balance : {$1500.00}.
Consumer complaint received 2022-10-26
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. (GA)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Leviton Law Firm, Ltd. (CA)

Received a letter from The Liviton Law Firm Ltd stating that they have been retained by XXXX XXXX. They are saying i have an outstanding balance with XXXX XXXX and want to resolve it. Only problem is i don't and have never used XXXX XXXX. This appears to be a scam. I can see how an honest law abiding person could fall victim to this. Just want to warn people.
Consumer complaint received 2023-02-24
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)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX  XXXX Balance : {$3900.00} ; U S DEPT OF EDXXXX XXXX Original creditoXXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} ; U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1600.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX Balance XXXX {$4000.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX  Balance XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Original creditor XXXX  ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.