davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (IL)

I spoke to CFPB Representative, XXXX, yesterday, XX/XX/2021, at XXXX XXXX ( CT ). I advised XXXX that I did not get responses from XXXX Credit Card a/k/a " Citi '' " Citibank ''. Well, this evening, I received an envelope with invoices and a letters from XXXX Credit Card XXXX " Citi '' " Citibank '' whom double charged my XXXX credit card account with a second charge on XX/XX/2021 that I did not make, I am disputing the charge! I purchased the XXXX XXXX XXXX XXXX XX/XX/2021 that are defective and delivered on XX/XX/2021. There is fraudulent activity on my XXXX account! XXXX XXXX, XXXX Credit Card a/k/a " Citi '' " Citibank '' has committed fraud on my Wayfair account. I did not make a charge on my XXXX account on XX/XX/2021, and, I am disputing the charge on my XXXX account. 

I did not make a second purchase from XXXX XXXX, in fact, I asked for my XXXX Credit Card to be closed. The XXXX Credit Card was opened to purchase the XXXX XXXX Dryer XXXX ONLY ; and, it was my one and only purchase on my Wayfair account! Again, I do not owe XXXX Credit Card a/k/a " Citi '' " Citibank '' money! XXXX Credit Card a/k/a " Citi '' " Citibank '' owes me XXXX refund, {$1400.00} ; then reversal of all finance charges, late fee charges, and repair my credit report with all credit reporting agency XXXX
Consumer complaint received 2022-10-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA (IL)

When my XXXX credit card transitioned from XXXX XXXX XXXX XXXX XXXX XXXX First National Bank of Omaha XXXX FBNXXXX XXXX this year starting around XXXX, I paid two bills online to XXXX ( by mistake ) rather than to FNBXXXX. I paid {$160.00} on XX/XX/XXXX. I paid {$420.00} on XX/XX/XXXX to XXXX for a total of {$590.00}. This money should have either been forwarded to FNBXXXX or returned to me. I learned of my mistake when I called FNBXXXX about late fees for non-payment on my XXXX Statement as FNBXXXX hadn't received payments. FNBXXXX reversed the late fees and interest, and I paid FNBXXXX in full. 

I called XXXX on XX/XX/XXXX, using a phone number that XXXX at FNBXXXX  happened to have handy and spoke with XXXX. At first XXXX claimed XXXX returned my money to my bank however my bank doesnt show any credit for the two amounts involved ( {$160.00}, XX/XX/XXXX ; XXXX, XX/XX/XXXX ). Then, after putting me on hold for a time, XXXX came back and said XXXX would work on the problem, that I would get a confirmation by email in three days to confirm XXXX was really working on figuring things out. He said it might take three weeks to get my money. When I asked for a tracking number as a means to follow-up, XXXX was unable to provide a tracking number so he gave me his badge number ( XXXX ). I never got a confirming email that XXXX was actually working on my problem. 

I wrote a letter to the CEO of XXXX on XX/XX/XXXX, ( copies to XXXX, FDIC, and CFPB ) explaining this problem in detail along with Proof of Payment documents from my bank both payments. As my account at XXXX is closed I don't have a way to see how the payments may or may not have been applied. I have not received any response from XXXX. I understand from FNBXXXX that I was not the only one to submit payments to XXXX  that should have gone to FNBXXXX
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 2022-10-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc. (PA)

Earlier this year I rented a washing machine and dryer combination from XXXX XXXX. Upon receipt of the item, it contained 4 prongs and my outlet had 3. This company was notified on multiple occasions that I was unable to use the item. They attempted to schedule a tech 3 times. All of which the tech cancelled and I was advised to call for a new appointment. I then quickly moved from where I was staying and called to advise instead of a repair, they would have to pick up the unit. Upon closing out the account I told the rep, I was NEVER able to use the unit. She understood and made a note that she saw my complaint and would note to NOT send a bill. Suddenly there is a bill on my credit report for {$60.00}. I am not responsible for a unit I could not use and they were notified on multiple occasions. I would like all of my notes on my account sent to me immediately. This has caused great harm to my credit report. Selling a debt to an agency that is not owed.
Consumer complaint received 2022-10-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TH Professional & Medical Collections LTD (IL)

I do not believe the amount being charged is correct. Over the amount agreed upon. Insurance should have covered the amount. They must have way over charged for service if amount is correct on their end. There isnt any itemized service charges attached to bill. No itemized bill for all consumables used or itemized charges for services. I have no idea what its for specifically. So XXXX cant dispute what insurance has paid vs what may still be owed.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX 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 Balance : {$0.00}
Consumer complaint received 2022-05-13
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: Radius Global Solutions LLC (GA)

My truck got totaled out. Was purchasing a new one. Old account with XXXX was paid by XXXX XXXX. Still being reported on my report. Rep did a hard pull and I expressed XXXX had already done it. Rep said it was nit a hard pull it was a soft pull but showing up on report as hard inquiry. They initially denied my new application based on my income that is more than what I had at the start of previous account. Was in good standing and had to verify identity in the same way multiple times due to lack of communication in the company. Even contact CEO XXXX XXXX who had his assistant call and threaten me that Id not be able to get the loan. My fianc who is new to XXXX had to do none of that. They treated me horribly during this transaction and I have been nothing but a great customer who pays on time every month. As a victim of identity theft its scary giving your information to people you dont know. They even had me send my social security card and photo ID in a text to the dealer. Our plates came and went to an XXXX didnt give the dealership or XXXX XXXX XXXX current address. They reported the wrong address and personal information to XXXX as well as others. XXXX XXXX doesnt mean to treat people like theyre a XXXX  human. I also have a XXXX so this really took a toll on my mental health
Consumer complaint received 2022-02-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (PA)

XXXX XXXX {$530.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2022-10-19
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: CAVALRY INVESTMENTS, LLC (NC)

There is a credit card that went into charge-off status in 2017. This has not been on my credit report in a few years from the original Creditor ( XXXX ) due to the North Carolina Statute of Limitations. Just recently a collection company popped up noting the debt as new and demanding payment. I called and tried to discuss with them, but they refuse to remove this. I have checked with North Carolina law and have been advised that this is absolutely passed the statute of limitations and this creditor is illegally trying to collect and running my credit.
Consumer complaint received 2020-12-18
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: EQUIFAX, INC. (NV)

I received a copy of my credit report after receiving a call from a debt collector that I'd never done business with. I believe my info was a part of the Equifax data breach awhile ago and someone has got my information and using it to open multiple accounts in my name. I filed a police report and an identity theft report. I also sent my ID, social, bank statement showing my address and all pertinent info to all 3 credit bureaus and they still have not removed the items I disputed as fraudulent.
Consumer complaint received 2020-12-18
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. (NV)

I received a copy of my credit report after receiving a call from a debt collector that I'd never done business with. I believe my info was a part of the XXXX  data breach awhile ago and someone has got my information and using it to open multiple accounts in my name. I filed a police report and an identity theft report. I also sent my ID, social, bank statement showing my address and all pertinent info to all 3 credit bureaus and they still have not removed the items I disputed as fraudulent.
Consumer complaint received 2019-04-26
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: TD BANK US HOLDING COMPANY (CT)

Last month my heart sank when I looked at my credit report and found out that my score had plummeted from between 825 to 840 to just above 600. After some investigating, I found out that TD Bank had reported me delinquent on something. I say " something '' because to date neither myself or TD Bank can tell me why this report was made, how to correct it or what department to contact. One agent even told me TD Bank owes me money!. I have spent hours on the phone trying to contact credit reporting agencies and TD Bank but the pain persists. Strangely enough, the negative mark went from a loss (? ) to being late and my credit went up but again but only to XXXX as there is still a negative mark where again, NO ONE CAN TELL ME WHAT ACCOUNT, WHY, WHEN or HOW TO CORRECT IT. I have written every one I can think of and can not get this corrected. I looked online and saw at least hundreds of others experiencing the same circular XXXX involving TD Bank even see a report of them settling a class action suit in 2016 involving ruining innocent consumers credit and am wondering how they can be allowed to reap so much ruin on consumers with impunity? 

Any help will be greatly appreciated!
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

I am being charged for attending XXXX XXXX where I have NEVER attended. I applied to the school but never enrolled nor attended. I have called and wrote Navient from XX/XX/XXXX until XX/XX/XXXX to validate the charges said that I owe. 

I have asked several times for Navient to validate the said loans allegedly owed to them by providing documentation that I agreed to pay these funds, breaking down an audit of the payments, what school the said money was sent to, proof that I even attended the school ( s ), how was money applied, what was my balance and where is any or all documentation. 

I was verbally coerced into some form of consolidation that would temporarily make my payments $ XXXX monthly while my account is being investigated. However, these amounts are still being reported on my credit report without any proof that I owe the monies.
Consumer complaint received 2022-05-13
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money (FL)

Having Trouble paying off this loan, Not being able to make my Rent on Time and having nothing left for Groceries for my family of XXXX let alone gas to get back and forth to work this is now XXXX payments in of XXXX That is well over what we borrowed of XXXX They have now collected XXXX I need them to stop taking money from me and my family its hard as it is with them charging such a HIGHER than normal interest rate telling me that it is going to total out to be XXXX on a XXXX loan that is absurd.
Consumer complaint received 2020-12-18
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: Rent Recovery Solutions (SC)

I, XXXX XXXX XXXX, did attempt to resolve this with rent recovery solutions, and they blatantly lied here to the CFPB. I only attempted to have Rent Recovery Solutions send ANOTHER letter to XXXX  because XXXX  said they DID NOT receive the first one. 
I called every week once a week until now, because Rent Recovery Solutions NEVER REPLIED TO VOICE MAIL OR EMAILS. They are the problem now, they are reporting an account that does not belong to me, that is fraudulent and in fact,, Rent Recovery Solutions is BREAKING THE LAW by not getting their account off my credit file. They lied about me, they refused to listen to my issue, they transferred me to XXXX instead of sending another letter to XXXX because XXXX  claims they did not get the first one.
Consumer complaint received 2022-10-19
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: EQUIFAX, INC. (SC)

Whom it my Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, Incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

I am now enacting my consumer and Civil Rights to compel you to annul with permanent Deletion of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.

The following derogatory account accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be remove immediately. Do so TODAY, even right NOW! The obvious infractions are as follow : Alleging Creditor and Account as is reported on my credit report : XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) Account- XXXX Comment : inaccurate, DATE OPEN, on my XXXX and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX Comment : inaccurate, DATE OPEN, on my XXXX XXXX Equifax and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my XXXX XXXX Equifax and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX Account : XXXX DATE OPEN, on my Equifax report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX XXXX XXXX Account : XXXX XXXX, XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) Account : XXXX DATE OPEN, on my XXXX and XXXX report NOT ACCURATE ACCORDING TO Metro 2 Guide Lines XXXX XXXX- Everytime I dispute with Portfolio the Company raise the fees by {$200.00}. 00, or more after the dispute they lower it to the original amount.
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

I reviewed my consumer reports and noticed that I had four late payments on my XXXX account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ] Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks!
Consumer complaint received 2024-03-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

CEASE AND DESIST This is not a normal complaint this complaint is to expose the bureaus fraudulent practices that you the CFPB can do what you are supposed to do and shut em down until they do manage to do business by the law. Ive complained about this issue several times. I need action and recourse. CFPB it is your whole reason for existing. to make sure that these institutions dont take advantage of consumers. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681i, which mandates a reasonable investigation of disputed items on a credit report within 30 days, I have found your lack of action and correction unacceptable. The Accounts listed in the attachment have not been properly investigated nor verified with the diligence the law requires. 

Moreover, under 15 U.S.C. 1681b, the FCRA stipulates conditions under which you are permitted to report consumer credit information. Express permission is a requirement not to be overlooked. Without my consent, the reporting of any such unverified and incorrect information constitutes a direct violation of these statutes, effectively amounting to the illegal dissemination of data. 

Let this letter serve as a formal notice for your agency to CEASE AND DESIST all reporting of the aforementioned unverified and incorrect information related to my consumer credit files. Immediate rectification actions are required to address these inaccuracies, including but not limited to the deletion of these items from my record, to bring your operations into compliance with 15 U.S.C. 1681i ( a ).
Consumer complaint received 2022-10-19
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (VA)

I bought a XXXX  auto insurance policy and a few months in I cancelled the policy and bought a policy with someone else but there was no money owed to XXXX, the collection agency doesn't help and this is on my credit report and it is not owed. I have called customer service repeatedly to let them know I paid all of my bills and they still refuse to take this off my credit report and call me everyday please help
Consumer complaint received 2019-02-08
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. (NJ)

self lender/ XXXX XXXX  is being reported on my credit report. I do not have any knowledge of this loan, this is a fraudulent account that has significantly lowered my credit score, damaging my credit.