davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE (PA)

I received a notice dated XX/XX/XXXX that my credit line was being reduced by {$5000.00}, from {$6000.00} to {$1000.00}. I have had this account for almost 6 years, and my credit report has no delinquencies, collections, nor have I had any serious issue making payment on this account when due. I've been paying this and other bankcards in full, I own 3 properties, and the only accounts, including this account, with balances are 0 % promotional balances.
Consumer complaint received 2018-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

Account number XXXX XXXX XXXX Its mine. My forgiveness loan is with another company. XXXX XXXX XXXX not XXXX. 

XXXX account XXXX shouldnt be in my report anymore. XXXX XXXX XXXX is my provider for my loan forgiveness Sears/cbna account XXXX thats not my account a shouldnt be in my credit report Home Depot/cbna account XXXX. I reported the card loss to Home Depot in 2013 along with everything in my wallet. Ive been calling them to make some types of arrangements no response. Please advise!!! 

I need help with this matter. I am a XXXX XXXX XXXX with XXXX kids. Just wants to fix this matter as quick as possible to move forward. 

Best XXXX XXXX
Consumer complaint received 2018-07-08
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. (NV)

I disputed 23 inquiries and a chapter XXXX from XXXX  Alabama with Experian. I have done my research and suggest Experian do the same. Over half of these inquiries were done online and in Alabama. This is the letter Experian sent me. Let me share this i flew to Alabama to see a investigator in refrence to Fraudulent Activities on my credit report. As a result somebody in Alabama did this. At the time i was there i visited the court house in refrence to this matter. The clerk advised to call the reporting credit bureau .they didnt report. Experian see my cards from detective in Alabama .Please remove these inquuries and chapter XXXX immediately. I have Nevada id from XX/XX/2012 to present. Unless my name is XXXX. There is no earthly way i reside in 2 states and work a full time job in Nevada for over 5 years. Final attempt before i hire a attorney and file suit. For damaging my credit.
Consumer complaint received 2021-04-13
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sierra Holdings LLC (PA)

The credit card company has an obligation as Trustee of the account to file all of the IRS Tax forms related to the account in order to follow all of the GAAP -General Accounting Accepted Practices. I am asking for receipts of those filings. Also it has been established by an Act of Congress, abolishing debt peonage according to public laws attached to the documents below. PUBLIC LAW -Thirty Ninth Congress Sess II Ch 187, 188 1867 Pg. 546. March 2 1867, CHAP XXXVIL. 
This company contacted XXXX, XXXX XXXX a private citizen concerning a debt that was purchased from another company. There is no wet ink signature contract with this company. There are deceptive practices occuring.
Consumer complaint received 2019-01-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: PRESTIGE FINANCIAL SERVICES INC (OH)

Prestige claims to be a second chance loan offering. They aren't. They take advantage of people with incredibly high interest rate loans that they tack fees upon fees on to the note. They offer to help but they really seem to want to hurt people more than anything.
Consumer complaint received 2019-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (CA)

I recently checked my XXXX  Report. The credit report showed a credit inquiry by US BANK ( DATE : XX/XX/2019 ) that I did not recall authorizing. I am a victim of identity theft. Please help me to resolve this problem
Consumer complaint received 2019-04-22
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. (TX)

I have been disputing these accounts with XXXX, XXXX and Experian they keep coming back with updated and verified I have sent XXXX XXXX several validation letters and they have not sent me anything in the mail. I have also reported to the FTC to see if I may obtain more help. The credit bureaus say it was updated and the update has not changed its like they are not investigating. I have XXXX bank and XXXX XXXX Bank that sold the accounts to XXXX XXXX.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6400.00}, {$16000.00}, {$0.00}, {$210.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 


-- AUTO LOAN OR LEASE 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- REAL ESTATE LAON 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.
Consumer complaint received 2021-07-13
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. (CT)

On XX/XX/21 I have sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. It has been over 30 days they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-01-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AES/PHEAA (MA)

I have been trying to consolidate my two student loans with the Department of Education, so that I can place the one student loan in deferment and attend college for an accelerated XXXX  program with a local university in the field of XXXX XXXX. I have not had any luck getting the Department of Education to understand my long term plans. A XXXX degree will essentially double my income, and at the age of XXXX I believe that now is the time to move forward. Therefore, I would appreciate the proper direction to get the consolidation of both loans structured by the US Department of Education, and the federal agency can communicate with me by email to expedite the process.
Consumer complaint received 2018-09-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

This company has a fraudulent inquiry reporting on my credit file and I have called the company several times only to be left on hold or someone acts as if they will help me and then the phone mysteriously disconnects. All I want is a fair investigation as described in the Federal Fair Credit Reporting Act.
Consumer complaint received 2018-11-27
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: INVESTORS BANK (NJ)

I took out a loan from XXXX XXXX for XXXX they deposited the money into an account They then issue a temporary check book for the Purpose of transferring monies from that account to my new checking account my payments were adjustable rate and were billed to me as accordingly related to the money I used during the loan then stopped my line of credit I continued to pay 15 years of payments and paid off the loan at the end of the original agreement was a pay-off of some XXXX I approached the bank manager to get the record of the amount of the original loan was used and where I was told the info was in an archive and it would cost me XXXXdollars per page to access this do this day I can't positively prove how much money I actually was able to use they send me a monthly bill requesting I pay the full XXXX balloon payment in full they recently taped a note to my front door stating I contact them witch I did repeating my request for disclosure of necessary info they said they would get back to me the next day it's been two weeks no info they have posted the loan on my credit report and added XXXX in fees these numbers never added up I have documents and other info pertaining to this loan also I have a XXXX file that's important I was unable to upload
Consumer complaint received 2019-01-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This is an update to XXXX-XXXX  about USAA and XXXX-XXXX about USAA. 

The company ( usaa ) never gave it back as ordered by the president and ceo ( XXXX ) XXXX XXXX, or the XXXX ( XXXX ) that never belonged to them. 

Attached is a current update if the account ledger. They shuffled numbers around and erased and added some new stuff either way it is fraudulent and they still owe me the funds as reported to you. This is an update of the reports on USAA the two instances where they owe me XXXX. And later XXXX. 


It was never given back to me even after I was emailed and called and told that it would be given back.
Consumer complaint received 2018-11-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ATG Credit, LLC (IL)

This company/ Collection agency ( Atg Credit ) reported that I owed {$27.00} dollars to them for the original creditor XXXX XXXX XXXX. Atg Credit reported a negative report to the Credit reporting agency XXXX on XX/XX/2018. I called to verify the information and asked them to send proof to me of the transaction with my signature on documents showing it was me and they declined to do so. The Act # is XXXX. I explained to them that the account does not belong to me and it is not mine. The information for Atg Credit is as follow : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX and their phone number is XXXX
Consumer complaint received 2019-01-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect me.
Consumer complaint received 2019-01-14
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

I have a daily interest mortgage loan. This loan has changed financial institutions several times since I took out the mortgage loan in XXXX. I have had problems paying my mortgage in the past due to an identity theft and the haulting of my Social Security Benifits. I sought help with getting the then mortgage holder at the time to defer my payments. I have since had to file Chapter XXXX bankruptcy. I filed my bankruptcy case in XX/XX/XXXX. During my bankruptcy filing the mortgage changed hands again. A company called Bayview Servicing is now handling my payments for whom ever has my mortgage. My payments of XXXX I often rounded off and was sending XXXX dollars or XXXX.The original mortgage company was applying the overpayment to my principal. This new company is holding my over payment for over a year as unapplied funds. I have ask them several times to apply the funds to my principal. This company is holding my money and it is not benefiting me by lowering my principal. I was told they are holding my money because it is not a payment, I repeat this is a daily interest mortgage. If my payment was a day past the due date the company would not hesitate to take the additional interest from my payment. Bayview has been holding XXXX of my money for over a year. I want these funds and the annual interest it would have saved me had it been applied to my mortgage applied to my mortgage.
Consumer complaint received 2019-01-14
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. (OH)

My mortgage servicer started accepting payments in XX/XX/XXXX after requiring that I restructure my loan.I was only 2.5 month behind in XX/XX/XXXX but they refused to accept any payments once I got back on my feet and drug the whole process out until XXXX. 

Even though I have presented them with proof from their own website that all of my payments since XX/XX/XXXX have been on time they did not correct the reporting error on my credit report. I was even told by a staff member that it should be corrected but after numerous phone calls ( most of which were recorded ) and a very detailed letter accompanied by supporting documents they have not corrected this obvious error. 

Where as I have been current since XX/XX/XXXX my reports show that I did not make a payment until XX/XX/XXXX. 

I can prove my claim with bank statements and a printout from the servicer 's own site.
Consumer complaint received 2019-09-07
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: EQUIFAX, INC. (CT)

This company never wrote to me about the hard inquiry. The complaint was closed because I did not respond in time. I'm sorry about that, but I am making the same complaint again. The company is : XXXX XXXX XXXX Inquiry  from XX/XX/2019 2019
Consumer complaint received 2022-07-27
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. (AL)

On XX/XX/2022 I sent a letter to Equifax about the inaccurate reporting on my credit report and that I would like them to provide documentation on how they verified my information. I have not received a reply from Exquifax and at this point, I feel as if I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) states that the CRA must conduct a reinvestigation of any item of information in a customer 's file if the customer alleges the item is inaccurate. and if the CRA does not conduct a reinvestigation items must be removed from an individual credit report within 30 days. This inaccuracies that Equifax is reporting to my account should be deleted promptly or I will file for litigation for the stress they have caused me, my information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I am a XXXX of students with XXXX for over a decade. I was assured multiple times by multiple people at FedLoan Servicing that I was signed up, on-track, and making payments towards the Public Service Loan Forgiveness ( PSLF ) I am eligible for. In fact, the only reason I am with this loan service at all is because I signed up for this loan forgiveness opportunity. But then I received an email on XX/XX/XXXX alerting me that my payments would no longer count towards my loan forgiveness if I did not update to a different repayment plan. I emailed and called customer service ( several times ) for next steps, only to eventually learn that I have not been signed up for the forgiveness plan since XX/XX/XXXX! Therefore, they told me none of my payments had counted! If that's true, I will end up needing to pay off my entire student loan before I would be eligible for forgiveness! But I had been reassured so many times that it was alright. When I went back to school in XX/XX/XXXX, my loans automatically deferred. I called back then in a panic thinking that this might ruin my loan forgiveness, but the representative then assured me that wasn't the case and even passed me on to a PSLF specialist to be sure. The customer representative I spoke to on XX/XX/XXXX, although professional, did not have anything to say for the company or for my astonishment and complaints other than he can not speak for someone else. How can it suddenly change like that? Why do none of my previous payments count anymore? Why did several representatives all assure me I was on track if I wasn't? I feel scammed and betrayed by this company.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank America send a agent to my parents house demanding to pay around XXXX I was never notified before of this and I found it harassing and threatening parents where scared as the agent slammed on the door aggressively
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL (NY)

I just opened a an installment account with jc penney I made my first 2 pmts which were stopped by XXXX because of an old fraud hold which was not removed after the first stopped payment.The jc penney account was cancelled because of the SECOND STOP.As a result of XXXX direct negligence my credit was adversly affected The account was reported closed and an inquiry was recorded. 
JCpenney requested i contact XXXX and clarify the situation but to no avail XXXX would not correct the matter
Consumer complaint received 2019-09-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

This collection appeared on my credit report and it does not belong to me. I have not received any bill or notification.verification of this debt therefore I need it removed from my report. 

COLLECTION SERVICE OF ATHENS Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/2019 Original Amount Owed {$49.00} Amount COLLECTION SERVICE OF ATHENS XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE (OH)

This is NOT a duplicate complaint!!! Any other complaint was submitted without XXXX knowledge. This is in regards to my adult son who is XXXX XXXX. He was taken advantage of by an online company that racked up several thousand dollars in charges. As his guardian, I need to let Huntington National Bank know what has happened. As I said, my son is XXXX XXXX. He is on social security XXXX. He doesnt have the XXXX XXXX to know what he is doing. He was duped by a company called XXXX. They duped him into making debit card charges directly to them and through XXXX. I didnt even know he had a XXXX account until going over his bank records. These charges are on his bank statement as XXXX XXXX and XXXX . It looks like some of these have been refunded but others have not. The ones that werent refunded are ... XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$530.00}, {$1000.00}, {$1000.00}, {$1000.00}, {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$750.00}, {$1000.00}, {$860.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$540.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$1500.00}, {$1000.00}, {$1000.00}, {$1000.00} XX/XX/XXXX {$300.00}, {$500.00} These funds were supposed to pay for his in-home care. Im an old man and cant take care of him like I used to.
Consumer complaint received 2019-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc. (CA)

No one ever showed me a bill or contract info regarding this collection. 
No idea where it comes from. except that it it was in 2013. I have NOTHING. and my credit is perfect if not for that.. 


AWA COLLECTIONS XXXX XXXX R XXXX XXXX XX/XX/2013 {$520.00} {$520.00} XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX 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