davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (GA)

There was a inquiry placed on my credit report from Citi Bank on XX/XX/2020. 
I reached out to them to advise that I had did not submit an inquiry to the company and reported the issue as fraud. To date the inquiry has not been removed from my credit report.
Consumer complaint received 2022-04-11
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. (TN)

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-13
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

XXXX XXXX has closed several of my accounts for no reason. I have kept the cards active and paid on time. In the process of getting my SCRA benefit activated on my account. I am to the point where getting a lawyer to sue the company for wrongfully closing my account. Here are the accounts that were closed : Lowes Card : XXXX XXXX : Card ending XXXX XXXX XXXX : XXXX XXXX XXXX : Dont remember the account number but they can pull my info with social. 
I have submitted information to XXXX XXXX to process the SCRA benefit for reduced APR as well as any other fees that have incurred. Still have not heard anything back from the bank itself. Please help me look into this issue.
Consumer complaint received 2018-08-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc (OH)

This company is reporting to all 3 major credit bureaus that I still owe a debt in connection with a payday loan. I satisfied and paid this debt on XX/XX/2018 through a law firm they hired to help collect the debt. When I speak to AD ASTRA ( the company reporting the collection to equifax, transunion and experian ). They tell me they have not yet received " remittance '' from the law firm and refuse to report this accurately as paid in full. The law firm, XXXX XXXX, states they sent AD ASTRA the proof of payment on XX/XX/2018 and that AD ASTRA is the only one that can correct the reporting on my credit.

I called AD ASTRA today and was hung up on repeatedly and told they would not correct this reporting. I have filed disputes with all 3 credit bureaus and supplied the proof with documentation, but AD ASTRA has maintained this reporting to all 3.
Consumer complaint received 2022-06-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (TX)

Credit Acceptance closed my account On XXXX, we reported the account as paid in full ( voluntary surrender ), and the closed date of XX/XX/XXXX. The closed date that the company is reporting to the bureaus is re-aging the account because the original delinquency date was in XXXX. I appreciate Credit Acceptance for closed the account but they should not be re-aging the account because I made no payment to them. They agreed to close the account not no re-age it.
Consumer complaint received 2021-12-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond. I request that you take all appropriate steps to remove the information about this account from my credit files. My credit report showing the fraudulent items related to your company that are the result of identity theft.
Consumer complaint received 2022-06-11
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. (WI)

In accordance with the Fair Credit Reporting act Bankruptcy Account # XXXX, 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
Consumer complaint received 2018-08-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc. (CA)

XX/XX/XXXX I had received a voicemail from XXXX XXXX and Case # XXXX to call ( XXXX ) XXXX about a claim she had on her desk. 
I called and it was answered XXXX XXXX XXXX ( ARA ) and my caller ID said the call was from XXXX, IL. I was transferred to XXXX 's extension and was told I have an outstanding debt matched to my SSN from XXXX XXXX and they were attempting to collect. I told her I live in CA, have since XXXX, and XXXX XXXX is an east coast bank. I told her I had NO knowledge of this and she transferred the call to their Legal Dept. 
The person in legal had my personal information and said they had a court order to collect, freeze my current finances and sue me to collect. This person was NOT very nice at all and spoke to me as if I was just another liar with memory loss. I had told this person I had NO knowledge of this. He said they have the law on their side and WILL collect and advised I seek legal counsel. 
I asked the time-frame of this alleged debt, he said it was from XX/XX/XXXX and the last activity was in XX/XX/XXXX.  They claimed that ALL attempts to contact me have failed and gone unanswered. I NEVER received anything to the contrary by mail, email or telephone. I wished him good luck and immediately ended the call. Mind you my phone number is unpublished as well. 
I feel this is some sort of SCAM and will NOT have any further contact with ARA. There is NO such debt on my current credit report ( XX/XX/XXXX ) and feel this is a SCAM on all levels. Hopefully this fraud can be shutdown in its tracks before somebody is actually convinced of this SCAM and actually suffers monetary loss. 

XXXX XXXX XXXX, CA
Consumer complaint received 2023-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

While banking with Wells Fargo I received my debit card and went to make my first deposit in a drive up ATM after hours ( XXXX, Tx location ) I had somehow managed to accidentally get a clothing tag stuck in between the stack of cash that I was depositing. It had, unfortunately jammed the machine, and spit out the majority of the cash that I had deposited. However, there was still money stuck in the machine of an unknown amount in the denomination of {$20.00} bills. When I had made a claim I had let them know it was between {$100.00} and {$300.00} and {$20.00} bills stuck in the machine after over a month and a half, I have been told twice now after re-opening my claim that there was no cash to be found inside the machine, and that the machine was balanced, which I know is physically impossible.
Consumer complaint received 2022-10-17
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: AMERICAN EXPRESS COMPANY (GA)

Unauthorized use of my private information ; fraud by using my personal information to apply for credit cards and unauthorized use apply for car loans and some form of line of XXXX 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
Consumer complaint received 2021-12-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I set up a group reservation for XXXX rooms with XXXX XXXX XXXX ( XXXX ) XXXX Connecticut XXXX XXXX. Due to the pandemic the reservation could not be completed due the pandemic. When I contacted the hotel to receive my {$300.00} deposit back they informed me that I would had until XX/XX/XXXX to make a decision to cancel which in XX/XX/XXXX I canceled the reservation. I was told a refund would be processed after waiting some time I never received it. When I got back in touch all accounts had been transferred to a company called XXXX XXXX I corresponded with the contacts I had been give and they assured me I would get my refund. After repeated emails and phone calls to all parties involved I have not heard back because both have closed down with no word about my refund and no follow up information! XXXX XXXX XXXX chain ( XXXX  ) says they have no involvement in me getting my money back! I tried to file a dispute with the bank and have them investigate but that may not work because of the time I spent trying to work with XXXX XXXX and XXXX XXXX. This has been a very frustrating experience and I cant afford to just give away {$300.00}. If the tables were turned I would be in collections! 

I tried to dispute with Huntington Bank but in the time that I spent trying to work with XXXX XXXX and XXXX XXXX the bank informed me that there may be nothing they can do because of the time frame. So Im still waiting for information on the dispute! 

I have all the contracts, emails, and receipts associated with this transaction which I can forward to you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Connecticut, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX | XXXX XXXX, CA XXXXXXXX XXXX  : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (WY)

I sent a validation letter to Wakefield and Associates after i found something on my credit asking them to validate it. I sent this XX/XX/2022. It has been over 30 days and after 30 days they need to remove it off my report. The have not validated this debt or removed it. Please have them remove this debt as they can not validate it
Consumer complaint received 2018-05-25
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: ONEMAIN FINANCIAL HOLDINGS, LLC. (GA)

sent out a certified letter on XX/XX/2018, have not received a response to why ist there a unauthorized credit inquiry from the company. In the letter I stated that if there is no verifiable reasoning or proof to please delete and taken off credit immediately. I have not received a response as of yet.
Consumer complaint received 2024-02-06
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (TN)

i asked for verification of debt and a chance to pay the debt before it went to my credit report and i did not receive it. 
i stopped my service in XXXX and i returned all the equipment as well so i was unsure about the new charges and if i had any i would like to pay them off before it went to my report. 

i initiated an dispute with them before XX/XX/2024 and they ignored my rights and put this on my report anyway. 

I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative.
Consumer complaint received 2022-02-02
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: Experian Information Solutions Inc. (IL)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-12-06
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I sent a letters re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section XXXX ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (MD)

From XX/XX/2014 through XX/XX/2014, XXXX/Navient is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX/Navient.
Consumer complaint received 2018-04-13
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: AMERICAN EXPRESS COMPANY (MD)

On approximately five occasion I have opened up billing disputes with Amex regarding a {$110.00} charge that was mistakenly applied to my account. The charge originates from XXXX and XXXX XXXX XXXX. I did not make the reservation. I did not stay at the hotel. I should not have been billed. Amex refuses to refund my money without explanation.
Consumer complaint received 2018-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MO)

On XX/XX/2018 XXXX XXXX XXXX reported to Experian that my account was uncollectible. I have already paid this loan. I paid this in full. This is affecting my credit score and terribly affecting a loan I'm in the process of obtaining.
Consumer complaint received 2021-12-06
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. (PA)

This is my XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit report.
Consumer complaint received 2021-12-06
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. (FL)

I was checking my credit report and I was shocked! Where these accounts came from? I never used them. I dont understand why you put it on my name! I think someone hacked my personal information
Consumer complaint received 2018-05-25
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD (TX)

I requested Total permanent discharge for a student loan. The loan is now XXXX I can not afford im on a fix income with social security administration. Texas higher education board denied my XXXX   discharge request because my loan was in default.my XXXXXXXX XXXX started in XX/XX/XXXX I was incoherent due to my mental illness about how to fight a student loan lawsuit and was mentally impaired.I was certified XXXX by the social security administration in XX/XX/XXXX. I was sued in XX/XX/XXXX.I am unable to engage in substantial gainful activity due to my XXXXXXXX XXXX XXXX
Consumer complaint received 2021-12-06
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: National Credit Systems,Inc. (FL)

I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (FL)

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against CREDIT CORP SOLUTIONS IN for committing identity theft. I have never given CREDIT CORP SOLUTIONS IN any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT CORP SOLUTIONS IN can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT CORP SOLUTIONS IN continues its collection efforts, I will file for litigation for actual damages caused and CREDIT CORP SOLUTIONS IN will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2019-03-19
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: Radius Global Solutions LLC (NM)

Two weeks ago, I reported an account that does not belong to me to Radius Global Solutions, and the FTC identitytheft.gov report for the amount of about {$2100.00} dollars. This account is fraudulent, and Radius Global Solutions has not sent me any communication regarding this issue, and they have not removed this account from the three credit bureaus.
Consumer complaint received 2020-01-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Just recently through the complaint process with the CFPB, XXXX XXXX XXXX again pass off the responsibility of answer a question directly related to them as an alleged Trustee of my mortgage and owner of the NOTE. 

SPS the alleged servicer says that XXXX XXXX XXXX is the Account Holder of my mortgage. I disagree. I wanted XXXX XXXX to tell me that the mortgage was not paid off with Federal Relief Funds, or included in a law suit settlement.
Consumer complaint received 2018-10-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

XXXX XXXX keeps selling to bill collectors a charge that is not mine. The CFPB has assisted me in the past in getting this resolved. A new company is now trying to collect it. Please tell them to stop harassing me for a debt that is not mine.