davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

On XX/XX/XXXX, we submitted a complaint against Citibank for reporting erroneous information about our credit card account. 

The issue is this : In late XXXX, XXXX we received correspondence from XXXX XXXX XXXX regarding the above referenced Citi Mastercard. In a subsequent phone conversation, we explained to XXXX that we had : Never received any statements from Citibank about the account ending in XXXX. 
Had never used the credit card Felt that this was somehow related to fraudulent activity that had occurred on a Citi Mastercard account ending in XXXX. 

At that time, we requested that XXXX provide us with Citi Mastercard account statements so that we could review the activity. On XX/XX/XXXX, we received 12 months of back statements from XX/XX/XXXX to XX/XX/XXXX. After a review of the information, we feel that the charges are fraudulent, as we had informed Citibank and the late fees and interest accrued unjustified. 

On XX/XX/XXXX, I received a letter from XXXX XXXX of Citibank 's Executive Response Unit stating that we were correct and that all late fees and interest charges were waived. I contacted Citibank on XX/XX/XXXX and was told that there was an outstanding balance of {$7.00} on the account but the balance was not past due. 

On XX/XX/XXXX, I received an email from XXXX stating the citibank had once more reported this account as past due. I have contacted Citibank once more and received no cooperation in resolving this issue.
Consumer complaint received 2021-03-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Pangea Universal Holdings, Inc. (NJ)

Dear Sir I am COMPLETELY AT A LOSS TO INFORM THAT .It appears Pangea account has been hacked and my personal information such as my phone number and bank account details have been stolen. 
I called their office immediately on XXXX XXXX by phone after getting alerts from my bank and informed Mr.Carlos that four unauthorized /fraudulent attempts were made to withdraw {$450.00} from two of my bank accounts registered with Pangea to transfer money fraudulently to 1 ) XXXX XXXX and 2 ) XXXX in XXXX .I had never registered these recipients with Pangea and this hacking has completely shaken us which is going to serve as a deterrent to deal with Pangea in future .. 
So far a total of 3 debit entries of {$490.00} are showing in the bank accounts ( with XXXX XXXX XXXX  of New Jersey ) and I am awaiting reversal action from Pangea as my repeated request to the company has not yielded any response & they are also not responding to the call made by the bank officials. from the respective bank to secure refund of the unauthorized withdrawals. 

Kindly look into and advise how to get our money back and what steps Pangea has taken to ensure it does not happen again and valued and loyal customers like me do not suffer a loss and such a harassment again. I also spoke to their supervisor Manager XXXX and XXXX separately but have not been able to get a redressal of my complaint. He simply kept repeating follow up with your bank. 
I have documentary evidence from Pangea clearly stating that these transactions have been cancelled but still they have not sent the refund to my bank. 
Please acknowledge and initiate a prompt remedial action in the matter XXXX XXXX Realtor, Broker Associate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) Number XXXX Cell ; XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

I SENT CERTIFIED LETTERS TO ALL XXXX CREDIT BUREAUS, XXXX, XXXX, EXPERIAN AND XXXX XXXX XXXX REPORT. I SENT DOCUMENTS SHOWING MY CURRENT ADDRESS AND CORRECT SPELLING OF MY NAME, ALSO INFORMATION ABOUT ALL INACCURATE INFORMATION BEING REPORTED ON MY CREDIT REPORTS. NONE OF THE BUREAUS HAS SHOWN ME PROOF THAT THEY REACHED OUT TO ANY CREDITORS TO SHOW WHAT THEY REPORTED WAS TRUE. THEY LIED SAYING ITS VERIFIED AND WHEN I CALL THE COMPANIES, THEY SAY DIFFERENT.THERE ARE MULTIPLE ACCOUNTS I NEVER GAVE WRITTEN CONSENT TO, ACCOUNTS HAVE BEEN PAID, ACCOUNTS ARE REPORTED WITH WRONG AMOUNTS AND ARE OUTDATED. LETTERS WERE SENT FROM THE BANKRUPTCY COURTS TO PROVE JUST CAUSE. THESE CREDIT BUREAUS REFUSE TO RESPECT MY RIGHTS AS I ASKED FOR THEM ALL TO CEASE AND DESIST REPORTING INACCURATE INFORMATION WITHOUT MY WRITTEN CONSENT AND TO DELETE EVERYTHING THAT IS NOT ATTACHED TO THE CORRECT INFORMATION, ALOT OF COMPANIES ARE PULLING MY REPORTS THROUGH THIRD PARTIES THAT I HAVE NO CLUE AS TO WHY. THIS IS CAUSING HARM TO MY CREDITWORTHINESS AND CAN BE CONFUSED WITH MY CURRENT INFORMATION.
Consumer complaint received 2019-01-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd. (CA)

For over a year, I have been receiving robocalls from Harris & Harris , Ltd . The calls state that they are debt collectors, and to please call their office during office hours. These calls are bogus calls, because I've never had debt, and my credit is in excellent status. These calls can also come multiple times per day. I am finally getting so annoyed that I am filing a complaint to stop the calls.
Consumer complaint received 2020-02-05
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Premier Holdings (FL)

Company called me about an a vehicle I had and was totaled I told them issue was resolved with the insurance they said no that original creditor Had placed the debt collection with them but that I could settle for less amounts and I offered to pay {$1000.00} which I did they sent me a settlement letter and I thought I was done with that one month after I received that I owe XXXX almost {$5000.00} to another collection agent for the same situation And I spoke to them and they said that premier holdings did not forward any information to them or Forward the {$1000.00} to the original creditor so now I have a judgment against me and they have frozen my bank accounts and I have nothing
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I have a 30 days late on XXXX and XX/XX/2018 on XXXX XXXX   Account # XXXX on my credit report.The payment was setup as a automatic payment.Please correct this incorrect information.Update to a never late status.
Consumer complaint received 2020-09-23
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. (NY)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-02-05
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. (GA)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX  XXXX  XXXX , XXXX- Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.
Consumer complaint received 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CHERRY CREEK MORTGAGE COMPANY INC. (AZ)

To whom it may concern, Through the dates of XXXX and XXXX of XXXX we decided to sell our home in XXXX which we had previously bought through the same lender/broker, cherry creek mortgage ( XXXX XXXX ) also using same realtor ( XXXX XXXX ). 
We bought our house in XXXX for the first time using FHA Loan back in XXXX due to a forclosure back in XXXX. 
In XXXX we decided to sell that house bought in XXXX and buy a bigger one. 
We decided to go with the same company, cherry creek mortgage, due to them knowing our history and everything worked out well the first time. 
We sold our home and got " approved '' by our broker, Cherry creek mortgage and found a new home we wanted to move forward with. 
Paperwork was signed, inspections were done, fees where payed.

Then, 1 week before closing, Cherry Creek mortgage said that the deal was not able to happen since there was a forclosure from 7 years ago. 
Therefor we didnt qualify for the conventional Loan we had previously been " approved '' for. 
We had sold our house with them already and were waiting to close on the new one so we could leave the house to the new owner.

Then one week before closing XXXX told us that we couldn't buy the house we had already signed paperwork for and done inspections on because of the forclosure which they should've had known from before since we worked with them before and they knew our situation. 
We had to find a house to live in within a week ended up paying over {$20000.00} in rent and renting a home when we aimed to be owners not renters. All that money could've gone to our new home as the monthly mortgage payment. 
We ended losing money and time on a situation that could've been anticipated since we had previously worked with them and they had the information needed as well. 

XXXX XXXX from Cherry Creek mortgage made is lose our home and money. All of it could've been avoided. I do not even understand how we got to the end of the process if that was an issue from the beginning. It all seemed very confusing and not transparent at all.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (WV)

Fifth Third states the compliant appears to be a duplicate and then consumerfinance.gov accepts this at face value and closes the complaint. 

Fifth Third is not using my home owners policy with XXXX XXXX, which I paid in full, the annual premium in XX/XX/2018, totaling {$900.00} when Fifth Third calculate my escrow costs. Fifth Third uses a figure of {$1600.00} and I can not determine how they are allowed to use this inflated amount to insist I pay an inflated amount instead of the actual costs of home owners insurance for escrow. I spoke to XXXX in Fifth Third 's insurance division and they now my homeowners policy is with XXXX XXXX and they know the annual premium was paid in XX/XX/2018 for the full amount due of {$900.00}
Consumer complaint received 2017-12-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CA)

On XXXX/XXXX/XXXX I visited the Emergency Department for an injury that occurred at work. I filed the necessary paperwork since the injury should never have been billed to my personal insurance. It was mistakenly billed to my insurance and a balance was then determined for {$510.00}. After multiple attempts to get XXXX Medical Center to dissolve this false debt to no avail. I recently received a letter from a collection agency and they have not given me anyway to contact them without providing them with more personal information and they have requested a rebuttal in writing but have failed to give me a way to contact them in writing. The collection agency Transworld Systems who 's number is XXXX. I will try and contact them via phone but I must be able to submit something to them and writing. I only have 30 days according to the letter and it has a date of XXXX/XXXX/XXXX on the letter.
Consumer complaint received 2018-12-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NH)

I am currently under the REPAYE program and working towards PSLF while working at a qualified employer. when submitting my annual employment certification form which I have done many times in the past there was a discrepancy with the number of qualified payments between my subsidized loan and my un-subsidized loan by one payment. when I first called the discuss I spoke with someone at XXXX XXXX who did not understand the PSLF process and was told incorrect information about the amount that was needed to qualify for a payment. when I called again and found another representative I was told that in XX/XX/XXXX the payment, which i did not change and never do, was for XXXX XXXX  less than the amount that it should have been therefore disqualifying that payment towards one of my loans for PSLF. The XXXX was charged in the month of XXXX. I was told that there was nothing that can be done about this but I do not feel that a mistake from the platform used by PSLF should be my responsibility. the payment for REPAYE is set by the department of education and I do not change the amount ever and would never underpay a loan by XXXX XXXX.
Consumer complaint received 2020-11-06
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. (OH)

This is regarding my XXXX XXXX  account ending in XXXX. I have been in the XXXX  since XXXX with XXXX and complications and just came home today!! Back in XXXX I think it was I finally got ahold of someone after HOURS OF GETTING THE RUN AROUND, and told them I had XXXX  and they said they would put projections on my account and a payment would not be due for that month. Not long after that call, my condition got worse and I ended up on XXXX XXXX  for about 4 weeks. I have not been able to call anyone to get help with my accounts. My husband then tried calling to tell XXXX XXXX what was happening. NO ONE WOULD TALK TO HIM BECAUSE HE IS NOT ON THE ACCOUNT!! As a result now my credit is ruined!!! I have {$100.00} 's in late fees and who knows what else!!! How is someone on XXXX XXXX supposed to get help if these creditors won't work with people!! 

My balance when this stared was around {$4000.00} wish. I now owe close to {$6000.00}!!! I have no job, just got out of the hospital, I can hardly provide for my kids and now to top is off, my husband passed away three days ago from XXXX. 

XXXX need to do something! They need to fix my credit ASAP! I can not pay for my husbands frugal because I can not get any sort of loan to pay for it! Then they need to waive ALL MY LATE FEES!! LASTLY, THEY NEED TO SETTLE THIS ACCOUNT AND MAKE IT A PAYMENT I CAME HOPEFULLY SOMETIME AFFORD WHEN I GET BACK ON MY FEET! 

THE CREDITORS SHOULD NOT BE ALLOWED TO DO THIS! WHEN YOU HAVE XXXX, YOU CAN NOT WORK, I ALMOST XXXX, I HAVE NO SAVINGS NOW AND LOST MY HUSBAND. MY CREDIT IS RUNIED NOW! HOWAM I SUPPOSED TO RECOVER?!
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a 30 days late on XXXX and XX/XX/2018 on XXXX XXXX   Account # XXXX on my credit report.The payment was setup as a automatic payment.Please correct this incorrect information.Update to a never late status.
Consumer complaint received 2022-07-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (ND)

I was served back in XX/XX/XXXX about a debt and responded back. I then responded in the allotted time. I also submitted a request for production of documents which I never got a response to. I then sent a letter back in XXXX of XXXX stating I had never received a response and it had been 60 days. I asked them to drop the lawsuit since the process has not been continued. I never heard back. In XXXX of XXXX, I received a letter stating they had made an error and never responded. I then sent them a letter asking again to drop the lawsuit since it had been a year and a half with no response as well as their admission to not continue. I have had a few letters sent from them since then threatening to take this further and that I have no basis.
Consumer complaint received 2020-08-03
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

I opened a Trust Checking account on XX/XX/XXXX, No checks were required for the account, Blank Checks were issued by the Bank anyway that were not ordered. XX/XX/XXXX The Bank mailed the Blank checks to an incorrect address. 
The Blank checks were intercepted by someone and wrote fraudulent checks against the account draining the account. Total {$14000.00} ( XX/XX/XXXX to date ) No statements, alerts, calls or notices were sent to advise me of the fraud against my account. 
I did not issue an online account until i was ready to use the funds I called customer service as to assist me to login to the account as i could not log in. When logged into the account XXXX/XXXX/XXXX, I saw that the account was in the negative. 
All the monies had been drained from the account and I was being charged fees for having a low balance and return checks fees. 
I immediately as for a claim on the phone with the claims dept and filed a police report, On XX/XX/XXXX I called the bank as i had not received the fraud packet and they informed me that my claim was denied. I submitted a dispute telling them that they send checks i had not ordered to the wrong address. Then i immediately received a second denial. 
I just want them to honor the fraud as i did not order the checks to begin with.
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC (FL)

The company Sequium Asset Solutions , LLC out of XXXX, GA has been contacting me now for almost 30 days via telephone and via mail. I didn't authorize them to contact me without verifying the debt first. It is now becoming a harassment at this point and it needs to stop now. Also they have report to all 3 credit bureaus that I owe a debt to them without first validating the debt. I spoke to a today and advised I need this contacting to stop now and remove the negative information from my credit report. 

They stated to me that they wouldn't stop. They say that I owe {$72.00} to them.
Consumer complaint received 2020-02-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX   XXXX- Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX  XXXX  XXXX , XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.