davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-25
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. (RI)

I recently pulled my credit report and noticed credit inquiries that I do not recognize, unauthorized and NOT mine. I must have been the victim in acyber hack or identity theft. These Non Account holding inquiries with : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX, XXXX, are NOT mine, I do not recognize and did not authorize them. These inquiries arefraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violate the ( FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these items effective immediately! Thanks in advance!
Consumer complaint received 2020-02-27
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 — Investigation took more than 30 days
Company: CITIBANK, N.A. (CA)

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2020-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

USAA is holding funds of my paychecks from my employer and will not tell my why. I deposited the first paycheck, they froze most of, via USAA 's mobile app on Friday XX/XX/2020. On Saturday XX/XX/2020 I attempted to withdraw {$400.00} to pay some of my bills and the ATM said USAA declined the transaction. I called USAA to figure out the problem. The rep told me the funds are on hold and could not give me a specific reason as to why they're on hold. This is approximately the 16th check I've deposited from my employer. No check I have ever deposited with USAA has bounce and none have ever had funds on hold. I called back Tuesday XX/XX/2020 to demand the release of my funds as I had emergency vehicle situation. On XX/XX/2020, I filed a complaint with the XXXX XXXX XXXX, complaint attached. USAA has been shamefully unaccommodating and giving me the run around for over a month now. This is completely unacceptable. I have bills and have lost money in fines, fees and predatory interest via payday loans to cover my expenses for the week hold USAA has place on over half the funds of all checks since XX/XX/2020.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (PA)

XXXX and Experian are not reporting my credit card account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Account Number : XXXX My account is reporting with XXXX but not with the other two companies. Can you report this account with XXXX and Experian? 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (CA)

I have XXXX credit cards with Synchrony Bank, a XXXX card and a XXXX Credit card for my animals. Because of a divorce, a lot of my bills became a hardship so I chose to add the XXXX card into debt relief. I kept the XXXX XXXX because I need it for my senior animals with medical conditions. I have had this card for years and I have made, and continue to make payments on time, and on occasion I am able to make an extra payment. Once they started negotiations for my debt relief on the XXXX, they all of the sudden deemed me a risk to not pay and closed the XXXX XXXX account without advising me first. I do not miss payments and I can show that I have paid it every month. I would like to contest this closure. I called the debt relief program and they will not help me with this bank. I called the bank and they will not work with me either. I was told that even though one card is a completely different department than the XXXX and one has nothing to do with the other, Synchrony Bank is taking action against me for putting them in debt relief. They closed this account under false accusations. They have no proof that I will not pay because I have always paid.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

I have written many letters to LVNV to dispute this account that LVNV is reporting on my credit. I am not familiar with this account. I asked LVNV to verify this debt for me. They have yet to do so. I am at my wits end. they need to verify this account or delete it from my credit.
Consumer complaint received 2018-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (TX)

During my 20 years of being tied into the XXXX frequent flier program and using their tortuous credit card, I am forever locked into this card because of the potential of losing miles and I can't transfer out to a more customer friendly company than XXXX XXXX without potentially losing my miles. Over the years this company is getting more and more zealous in frequently locking up my card for no reason, and today was the final straw leaving me stranded in the Texas summer heat at a gas station and refusing to unlock my account. I have been to the top of this company before and they work entirely off an antiquated fraud detection system. For example, if you make yearly purchases from the same company, since their fraud detection software goes back only 6 months, so that for whatever arbitrary reason ( the name of the company you are buying from sounds " foreign '' ) they lock out the card frequently without reason ( can't say, they tell me because after all it is their flimsy excuse for a secret powerful processor of insight and fortune-telling ). 

Also they have begun to demand recently that you give them a text number on file so they can communicate with you. I never signed up for providing CitiCard my phone account to use at their leisure and if they want me to receive texts from them, then by all means they should send me a pre-paid phone out of their own proceeds, not mine. 

Not once in the many, many holds they have put on my account, have they ever caught someone defrauding my account, so to me it seems they have an issue with their fraud tracking software and they need to " stay off my back for something I've NEVER done!
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2020-02-27
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: WELLS FARGO & COMPANY (GA)

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.
Consumer complaint received 2020-02-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (VA)

In XX/XX/XXXX, I disputed an account reported by XXXX on the file you maintain under my Social Security number. 
I was informed on XX/XX/XXXX XXXX that the item was deleted from my credit report.You have now reinserted this FALSE Negative item BACK on my credit, as of XX/XX/XXXX, it is still there. It should not have been updated or VERIFIED, but remain DELETED!!

The FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), says they are required to notify me of the reinsertion in writing within 5 business days.

I received no such notification. This is a very serious violation of the FCRA,. 
Please delete the item from my credit report .It is actionable and they are in violation
Consumer complaint received 2023-04-14
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: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-02-27
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. (NJ)

FTC violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX all us dept of education XXXX XXXXXXXX If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
In the settlement agreement reached with the FTC, the University XXXX XXXX will pay {$190.00} XXXX, of which {$140.00} XXXX will be used to forgive some student loans for certain borrowers who attended the university. 
These claims will be paid out of a {$1.00} XXXX Settlement Fund established by XXXX to pay all claims, attorneys ' fees and costs, class alks between the big student debt collector and the government broke down after President Trump 's victory. Now XXXX is making its case ... 
XXXX has said allegations in the various lawsuits are unfounded. ... In XX/XX/XXXX, the Justice Department settled with XXXX, which paid nearly XXXX service members {$60.00} XXXX in compensation for having charged excess interest on their student loans.XX/XX/XXXX
Consumer complaint received 2020-02-27
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)

FTC  violations XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  all us dept of education XXXX XXXX If a bill collector violates the Fair Debt Collection Practices Act, you might be able to sue and recover money and other damages. The Fair Debt Collection Practices Act ( FDCPA ) protects debtors from harassment by debt collectors. If a collector has violated the FDCPA, you can sue the collector in court. 
In the settlement agreement reached with the FTC, the University XXXX XXXX will pay {$190.00} XXXX, of which {$140.00} XXXX will be used to forgive some student loans for certain borrowers who attended the university. 
These claims will be paid out of a {$1.00} XXXX Settlement Fund established by XXXX to pay all claims, attorneys ' fees and costs, class alks between the big student debt collector and the government broke down after President Trump 's victory. Now XXXX is making its case ... 
XXXX has said allegations in the various lawsuits are unfounded. ... In XXXX, the Justice Department settled with XXXX, which paid nearly XXXX service members {$60.00} XXXX in compensation for having charged excess interest on their student loans.XX/XX/XXXX
Consumer complaint received 2022-01-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (SC)

on XX/XX/2021 I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office National Credit Adjusters to provide me with competent evidence such as original contract interest rate disclosure payment history something that I have any legal obligation to pay you National Credit Adjusters if your office fails to respond to this validation request within 30days from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately. National Credit Adjusters did not remove nor sent me a copy of such deletion should've been sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA This account hasn't been Validation my Name is also spelled wrong look at my consumer file it stayed I made payment I didn't this account was a charge off never received 1099C NOTHING they did not respond within the 30 days
Consumer complaint received 2016-03-15
Product: Credit card — 
Issue: Credit determination — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I have been a credit card holder at bank of america for a while, and I recently applied for joint co-ownership of a travel rewards credit card since XXXX 2015. Every single month when the statement is due my travel rewards account disappears from online account when I sign in. I call them every single month to be able to see it and they assured me this wo n't happen again since XXXX, but they have n't done anything about it. Without being able to see my account online I wo n't be able to pay my payments on time, which I am afraid will affect my credit score. I ca n't even close my account as it will also hit my credit score. So, I am stuck in a quagmire, having to call them persistently every single month, which is hectic and super frustrating. I wish they took serious action towards it and that 's why I decided to complain about the issue.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (LA)

I have written many letters to LVNV to dispute this account that LVNV is reporting on my credit. I am not familiar with this accounts. I asked LVNV to verify this debt for me. They have yet to do so. I am at my wits end. they need to verify these accounts or delete them from my credit.
Consumer complaint received 2022-01-25
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: MidAmerica Mortgage Inc (CO)

Loan XXXX with Mid America Mortgage was modified XX/XX/2019, but my monthly statements never reflected the modification or showed me current ( and yes I was making my payments ) until the loan was transferred and sat on for 4 months. Loan balance at the time of modification was {$130000.00}. with a maturity date of XXXX/2047 this was reflected on XX/XX/2019 statement. On XX/XX/2019 statement my monthly payment as well as a payment amount of {$25000.00} was shown in my unapplied balance. Neither amount was posted so I was still showing past due. I called the servicing company and asked why this was and was told they were working on my loan so I continued making payments over the phone. Then my loan transferred to XXXX XXXX XXXX loan # XXXX and I finally received a statement in XXXX after not receiving XXXX. I was upset to see that the program made to help XXXX XXXX came at such a huge cost. My new statement still showed me past due with additional fees added that came from the previous servicer according to XXXX XXXX. Well after 2 years of phone calls and life changing events I was able to bring my account current and hoped they would take me seriously and correct all the months of fees and interest that accrued in error. And post my payments correctly so my statements are understandable. I have sent several requests and made more phone calls and have gotten no response. MidAmerica Mortgage operates under several names and seems to change servicers following a modification or charging you huge fees.
Consumer complaint received 2021-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (WA)

In XX/XX/XXXX, I opened accounts ( 2 ) with XXXX  XXXX XXXX XXXX. In XX/XX/XXXX, I had to voluntarily repossess my vehicle and could not pay on the personal loan due to an employment termination of my late husband. It has been 8 years since the account was closed, however, Experian shows the account was closed in XXXX and shows the account as a Serious Delinquency. 

I have disputed this several times with Experian Credit and XXXX  XXXX XXXX XXXX, and I was told that this reporting can stay on my credit report for 10 or more years. The Experian report has shown different dates and account numbers for the same account and I feel the company ( s ) are re-aging my account information. XXXX  and XXXX  shows the issue has been cleared and has been removed from their reports.
Consumer complaint received 2021-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

Back in XXXX last year, I asked for hardship assistance since my husband lost his job, they approved me fir payment plan which {$910.00}. Higher than what I was paying {$730.00}. Then I skip one payment they send me a certified letter saying if o dont pay the full amount, my account is in default and o have to pay {$3100.00} other ways I will have foreclosure on my property. And they refused to modify my interest rate which is 6.75.
Consumer complaint received 2019-10-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TN)

Occurrence Date : XX/XX/2019 Amount : {$130.00} ( approx ) Debt Collector : I Q Data International Inc Received call from Debt Collector. The conversation turned to harassment, they kept stating that I was unwilling or reluctant to pay the amount, and I said " no '' that is not the case, but I am disputing the amount ( charges ), but they kept insisting that I pay now to avoid being reported to Credit Reporting, so had to provide Credit Card now. 
This was first contact by them, so I had no idea as to their validity nor did they disclose the fact that I had rights to dispute the charges, as stated below : " Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. '' They were threatening to go to Credit Reporting without sending any written notices or allowing me the chance to dispute ( 30 ) days, so again felt I as being harassed and undue pressure to force payment.
Consumer complaint received 2015-08-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I paid off a XXXX Countrywide Loan through a refinance in 2004. This lien is still showing on my title. I now have XXXX Countrywide liens on title. Bank of America now owns the loan, but XXXX XXXX XXXX is servicing the loan. Neither XXXX or Bank of America will respond to this issue. I would like my title to be free and clear of this lien.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I applied for credit with CITI and was denied App # XXXX & XXXX The reason they stated I was denied was due to information they recieved on a consumer credit report. This is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. CITI has violated my federally protected consumer rights per the codes listed below. 1. 15 U.S Code 1642 2. 15 U.S Code 1681 M 3. 12 CFR 1002
Consumer complaint received 2021-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R.M. Galicia, Inc. (TX)

The collection company never sent me a notice that they had the account as required within five days of them receiving the alleged debt. I found out the amount by pulling my credit report two YEARS later. On XX/XX/XXXX I was seen at the emergency room of XXXX XXXX XXXX in XXXX XXXX, CA. I never received an invoice from XXXX. They turned my account over to Progressive Management Systems for collection. XXXX XXXX NEVER sent me anything, just reported my account to the three collection agencies. On XX/XX/XXXX I sent a payment for delete letter, which has been ignored.