davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-17
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: CITIBANK, N.A. (NJ)

On XX/XX/2018 two charges were made at a vendor called " XXXX XXXX XXXX '', one in the amount of {$180.00} and one in the amount of {$210.00}. I was first made aware of the charges by Citi as they were flagged as fraud and I was contacted to see if I authorized the charges, which I did not. The charges were then removed from my account as fraud. 
About a month later they reappeared on my statement, I contacted Citi and they said they decided I did make the charges. I DID NOT. 
I have paid tens of thousands of dollars on my credit cards and not been late once, it's preposterous to accuse me of blatantly lying about under {$400.00}! I have even been paying many more dollars since Citi has so insulted me by accusing me of lying on other Citi cards themselves that I have. 
It is ridiculous that Citi can totally destroy my credit over charges I DID NOT MAKE!
Consumer complaint received 2019-06-17
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 (AZ)

On XX/XX/19, I purchased a laptop screen in the amount of {$160.00} using my Capital One credit card. Within a few days of the screen 's arrival, I determined that the screen was defective. I attempted to reinstall it multiple times and ran a full diagnostic on the computer. I have a background in technology. THE SCREEN IS DEFECTIVE. This is a SCAM. I provided Capital One 's dispute department with a written and signed statement, evidence of a warranty offered at the time of the sale as well as the communication log between the retailer and me. In that communication log, I requested a new screen within the warranty period. The retailer has done nothing but stall and has not followed through on the warranty. Further, you will see in the conversation log that I requested a return shipping label which the vendor completely ignored. Capital One stated Visa wouldn't support me because I still had the screen. I guess they're illiterate because I clearly made an attempt to return the screen and it was ignored. 

Capital One is requesting a copy of the " purchase Agreement / contract ''. Who the hell signs a purchase contract for an XXXX-like transaction?? This entire situation defies logic. I'm done with them. Just spent nearly 50 minutes on hold only to have the call conveniently disconnected. Of course, they never called back despite confirming my call back number on the call. WORST CUSTOMER SERVICE I'VE EVER EXPERIENCED. What does it take to win a dispute? The product is defective. The product has a warranty. The communication log between myself and the retailer was provided evidencing my request for a replacement. I ASKED the vendor to send a return label. THEY NEVER RESPONDED and still haven't TO THIS DAY. XXXX VISA and XXXX Capital One! They don't have your back anymore. So here 's where I'm at. I will not pay this bill. I have a superior credit score and I'm willing to sacrifice it on principals alone. Would appreciate your help but if the matter isn't resolved through your firm, I'll be closing my account with the unpaid balance. Thank You,
Consumer complaint received 2019-06-17
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. (NV)

I was shocked when I reviewed my credit report and found late payments on the dates below : Account Name : US DEPT ED Account Number : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was shocked when I reviewed my credit report and found late payments on the dates below : Account Name : XXXX XXXX XXXX Account Number : XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-06-17
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Simon PLC Attorneys & Counselors (OH)

I have a judgement against me for around {$23000.00} for a loan that I took around 16 or 17 years ago for {$10000.00}. In an effort to help me my son tried to settle the debt with the attorney XXXX XXXX, XXXX XXXX is trying to collect this debt on behalf of XXXX XXXX XXXX XXXX, XXXX. I was unaware of this contact and never gave XXXX XXXX, any agent or representation of XXXX XXXX to speak with any of my family members or anyone else regarding my debt. I did not know my son was doing this and he did it because my Daughter has been threatened by XXXX that she is responsible for the debt and that he was going to sue her for fraud. During his multiple conversations ( at least 4 phone calls and multiple emails ) with my son he doubled down on those threats saying that he would collect this debt from either me or my daughter while sharing information on my debts and judgements. My son made 2 offers to settle this debt for {$2500.00} and then {$5000.00} to XXXX XXXX on behalf of XXXX XXXX XXXX and they declined in writing to even propose a counter offer. He is now trying to subpoena personal records for my Daughter and continues to harass her even though she is not signatory on any loan I have ever taken nor does she have any judgements against her. My daughter worked for my XXXX   XXXX business at the time of the original loan and XXXX claims that since it said father daughter run business on my website in recent years that makes her responsible for this debt. My daughter has sent him a cease and desist and he continues to harass her with threats and now court filings to obtain her personal information. I am on Social Security and they have tried to garnish my bank accounts on multiple occasions. XXXX has also threatened to continue racking up legal costs with continued court filings which never seems to end.
Consumer complaint received 2024-02-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

I have reached out the companies asking for removal of these inaccurate accounts, I spoke with XXXX and they told me all inquires was removed but I still see these accounts reporting, I also reached out to EXperian and all companies and the items are still reporting
Consumer complaint received 2019-06-17
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: HSBC NORTH AMERICA HOLDINGS INC. (MD)

This agency has contacted me several times regarding an unverifiable debt. When I asked for additional information, they could not provide it. They have threatened to have me served with court documents. As such, I told them that I would be happy to appear in Court on this because they would have to prove the validity of this debt. They have called numerous times before and I've responded in the same matter. They still have not served me with any paperwork. This situation is out of control because they contacted my mother ( at work ) and my family member, even though I have spoken with them and tried to arrange a time for them to serve me with paperwork. This isn't the first time they've contacted me but it is the most recent. Even after speaking with them on Thursday, they contacted my mother at work on Friday. This is unacceptable. I would like some assistance in dealing with this collection agency because at this point they are violating my rights as a consumer.
Consumer complaint received 2019-06-17
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: SYNCHRONY FINANCIAL (MA)

There are two different accounts on my credit file that I do not know where they came from, I noticed that both accounts have a weird name like syncb/old navy and syncb/payP. I did my research online and it says that these accounts came from synchrony bank. I sent a letter to XXXX, XXXX and XXXX asking them to validate these accounts because I do not recognize where they came from and all that this company sent me is a copy of my credit report saying that the accounts were validated without providing me an original contract bearing my signature. I asked for documents that would show an original contract with my signature or something that binds me to these accounts but up to this day I have not received anything like that from them. These accounts are showing with a status of discharged in bankruptcy and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows that these accounts were open on XX/XX/2014 and synchrony bank as the original creditor but I never had an account or a contract with them. I want to see the contract with my signature on it if they are claiming that these accounts belong to me. By law all information on my credit file must be 100 % accurate, without any mistakes.
Consumer complaint received 2019-06-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: STL HOLDING COMPANY, LLC (LA)

DSLD has a mortgage company, they are a builder, and have a title company. 
DSLD mortgage appears to be violating the intention of RESPA due to the fact that they will not pay closing costs if it goes through another lender but will provide a the builder agrees to pay $ XXXX in closing costs if the borrower agrees to use their title company and lender. 
Since the buyer has to pay more based on some contingent factor from a builder, lender, or other party isn't this a RESPA issue? The additional amount paid would generally be considered a kickback  to the benefitting party. 
Home builder incentives ( buyers have to use the builders mortgage company or pay thousands of dollars more for the home ). 
Lender incentives ( imposing an additional fee on homebuyers who elect not to use an affiliated company ). 

Mortgage companies that do not operate within the confines of the law and attempt to operate in contravention of the federal consumer protection laws have an unfair advantage to that of bank lenders as well as present the potential for significant consumer harm.
Consumer complaint received 2019-06-17
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: SECURITY CREDIT SYSTEMS INC (OH)

Asked both of these companies for validation of debt. Original creditor XXXX   aka XXXX XXXX XXXX XXXX and debt collector Security Credit Services has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.
Consumer complaint received 2019-06-17
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: Experian Information Solutions Inc. (OH)

Asked both of these companies for validation of debt. Original creditor XXXX aka XXXX  XXXX XXXX XXXX and debt collector XXXX XXXX XXXX has only provided me with a letter stating that the debt is valid. Under the FCRA that is not proper documentation to be submitted to credit bureaus.
Consumer complaint received 2016-10-17
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: Empowerment Ventures, LLC (TX)

I have a car note that was refunded to my rushcard on XX/XX/2016 I spoke to XXXX different agents who stated that I will receive my funds within 10 days I am delinquent with my rent thanks to Rushcard.. 1 agent stated that they neededa email from the Merchant which was sent then they stated that the pending status would fall off after 10 days ... still no funds. Had a conference call with my Merchant and Rushcard agents..the Merchant told the agent they cancelled out the payment and released my funds but the Rushcard is holding my funds Not sure what to do to get my monies to pay RENT
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

On XX/XX/17 I placed a security freeze on my Equifax credit report in response to their massive data breach. In the past year I have tried twice to remove the freeze temporarily so that I could open new credit sources. The first time after hours on the phone with multiple customer service agents I finally determined that Equifax had changed the email account of record on my account without my knowledge or permission. This past weekend, I again tried to temporarily lift the freeze using the new email address but was locked out of the verification process. I again spoke with multiple agents to no avail. Finally one of them suggested I speak with a US based supervisor when they became available on Monday morning ( all weekend customer service is provided by foreign nationals who are clearly just following a script and have no discretionary authority ). I began at XXXX and spoke with XXXX, who transferred me to XXXX in the US.She listened to my story, acknowledged that she could not help me either, and put me on hold for a supervisor. After being on hold for 2 hours I gave up and filed this complaint. This is straight out of XXXX. Equifax mishandled my data and compromised my identity. I reacted by trying to protect myself and now they are punishing me by denying me access to new credit. Who's paying the price for their breach?
Consumer complaint received 2018-04-16
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 have tried three times to get the payment lates on my account removed however instead of investing each time all they do is change info on late and not remove. I have submitted two different investigations and neither are correct there for all the agency is doing is guessing and submitting to credit bureaus
Consumer complaint received 2023-03-31
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. (NC)

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX  XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CORELOGIC INC (TX)

CoreLogic was requested to investigate on an account that does not belong to me.

This account also had missing information reporting using terms like N/A, details left blank, - and still CoreLogic choose to send me a response saying that it has completed its investigation.

Pursuant to FCRA, no reporting agency can report information that can not be verified. Why is this account in my name when it is not mine and can not be verified?

I am days away from filing a lawsuit against CoreLogic and XXXX  for wrongful reporting and willful non-compliance of the FCRA laws.

This account is so inaccurate that on its CoreLogic XXXX report has the last date reported asXX/XX/XXXX, while the original CoreLogic has the last date reported as XX/XX/XXXX.

Both reporting the same account listed as XXXX XXXX. But reporting this account while it can not be verified with missing data.

After this complaint is closed, if this account is not removed from both reports ( CoreLogic and CoreLogic XXXX ) I will file a suit.
Consumer complaint received 2019-04-13
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Action Financial Services, LLC (IL)

I filed jointly with my husband for the first time this year, and we were told we would get a refund of {$1400.00}. We received a notice stating that our entire refund was being offset to defaulted student loans. My loan servicer XXXX  notified me that while I was behind on payments that I had not yet defaulted on my loan or entered " pre-default '' yet. I contacted the debt collection agency ( Action Financial Services ) who were very helpful to a point, asking lots of information bout my household income, and lots of info about our expenses. When I asked when i had defaulted on my loans they informed me that they had taken over the loans in XXXX of XXXX, but they were not able to provide me with info as to who my loan servicer was prior to this.The provided me with number to contact to inquire about this information. I reached out to the loan locator number they gave me and found out that my loans were being serviced by XXXX prior to them being sent to collection in XXXX. 

In XXXX I contacted a company that was helping people with filing for a debt forgiveness program through the government. The company needed my PIN and asked for {$900.00} up front to use as good faith payment to XXXX ( may have been under XXXX XXXX still at the time ) and they also used up my last deferment I had available to me as part of the process. I would never had agreed to this process if I had not had two other people I know go through this process and have their loans drastically decrease. 

On the XXXX website they have multiple stafford loans listed as consolidated or not owed. And I had assumed that this was because the loans had been paid and processed by the government program I had signed up for. But now I am not sure. I do not remember receiving anything from XXXX that my federal loans were being handed by another loan provider, and if i did i would likely have assumed that due to the program I had worked with that this info did not pertain to me. 

The current loan holder and debt collector have stated that they will help me get out of collection if I make payments that are between {$480.00} and {$440.00} ( both amounts which i have informed them that I can not afford pay ), for a consecutive 9 months, and then my debt would be moved to yet another loan servicer. I was informed that because both my income and my spouse 's income were being used to calculate what I was expected to pay, regardless of what I as an individual were able to pay, that was low as the payment could be made. The only other option offered to me was that I could open another loan through an outside company ( that i would have to find ) and pay off the defaulted debt all at once, and that they would waive the late fees associated with account. If i did not do this, then I would be paying on the total amount due of over {$42000.00}.
Consumer complaint received 2019-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (AZ)

i got a refi loan and my creit score dropped 38 points i have over XXXX XXXX credi available need restore me my score to XXXX score please responed to thise matter as soon as possible my soc # XXXX
Consumer complaint received 2019-06-17
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. (IL)

purchased XXXX XXXX XXXX XXXX thru XXXX XXXX  XXXX that was paid off in XX/XX/2017 and i have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.
Consumer complaint received 2019-06-17
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. (IL)

purchased 2006 XXXX XXXX financed thru XXXX XXXX XXXX  that was paid off in XX/XX/2017 and i  have the care title in hand and a payoff letter from the bank and they are reporting i still owe XXXX and showing late payments collection and charge off on my credit report and non of the credit reporting agencies will remove this info. I have sent in proof multiple times and the bank will not fix the error or the credit agencies will not fix this error. NOTE if car was not paid in full why do i have the title and a payoff letter stating it was paid in full.