davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Braviant Holdings, LLC (TX)

Hi there, thank you very much for listening to my saga. I am a XXXX XXXX with XXXX XXXX  and XXXX XXXX XXXX. This event is killing me. I am not able to take my children on the vacation we had planned, it's a mess. 

Back story : I saw that {$220.00} was taken out of my account every XXXX weeks. 
XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$220.00} XXXX - {$220.00} XX/XX/XXXX - {$220.00} *I will admit it took me longer to realize than it should have but I was dealing with a custody battle and extremely distracted *Much later I went through every bank statement and saw {$1200.00} was deposited into my checking account *Now I find this part odd. I actually did take out a legitimate loan with XXXX XXXX and XX/XX/XXXX was the exact day my first payment was due to them and subsequently debited from my account. 
Side Note : Why would I need a loan like this if I had just received my loan from XXXX XXXX. 

Flash forward to this past Monday, XX/XX/XXXX : - I was really at a loss as to go about remediating this issue. 
- The transactions on my bank statements are all labeled - " XXXX XXXX XXXX '' - I googled " XXXX XXXX  XXXX '' and found a phone number to call but it was incorrect incorrect # - XXXX The person who answered the phone actually gave a number correct # - XXXX - an inexperienced girl answered and finally I asked to speak with a manager, she would not let me talk with him - Finally I got manager on the phone and we spent an inordinate of time arguing back and forth but he wouldn't help me get my money back. 
- We went around and around time and time again and I finally just hung up. 

Other odd things : 1. This " loan '' does not show up as an account on my credit reports 2. Take a look at the " receipt '' I received ( attached )
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

This issue is an existing problem which Equifax, and XXXX  wasn't able to resolve.. The student loan was reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA ..Credit Bureaus could not give me concrete explanation as to why they wont delete it..Please step up CFPB and delete. Their investigation solve the problem. They said they have verified it but did not give details on how their investigation went..Just remove the accounts asap DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX, DEDXXXX  XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX,
Consumer complaint received 2017-05-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commercial Recovery Systems (MI)

I keep getting collection calls for a " XXXX XXXX XXXX '' ( have only heard it, so it might be spelled differently ). I am not this person, nor related to this person, nor know this person. I have called the company before and told them they have the wrong person. However they continue to call and have called for more than a year now. <P/>Here is one of the latest voicemails from ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXX : " This message is solely intended for XXXX XXXX. This is XXXX calling you from CRS. This call is in regards to a legal matter that has been linked to your name and social. If you 'd like to make a formal statement, please contact our office at XXXX. Make reference to case number XXXX. '' Another voicemail from ( XXXX ) XXXX, XX/XX/XXXX XXXX XXXX : " We 're calling today with XXXX XXXX XXXX looking to get in touch with XXXX XXXX XXXX. It appears we have a scheduled delivery of sealed legal documentation that requires a signature and form of id. We will be out between the hours of XXXX and XXXX tomorrow XXXX. If you 'd like to reschedule or have any questions please press 1 and a live representative will be right with you. Thank you. '' Another voicemail from ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX " We 're calling today with XXXX XXXX XXXX looking to get in touch with XXXX XXXX XXXX. It appears we have a scheduled delivery of sealed legal documentation that requires a signature and form of id. We will be out between the hours of XXXX and XXXX tomorrow XXXX. If you 'd like to reschedule or have any questions please press 1 and a live representative will be right with you. Thank you. '' Other phone numbers used with similar messages : ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX I told them they had the wrong person on XX/XX/XXXX. I was told they would remove my number.
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Overlimit fee — 
Company: CITIBANK, N.A. (TN)

I opened a small limit ( {$500.00} ) credit card at Home Depot to use for minor purchases made infrequently. HD 's system is supposed to reject charges that are over limit. However, it let me charge beyond the limit ( around {$300.00} ), then proceeded to charge interest in an amount larger than the minimum payment. I caught this scheme when my balance did n't change & paid a substantial amount to bring the total below the {$500.00} limit. They also then reported my credit as over limit. That is was over limit was due to their system and/or deliberateness to enable profiting from interest payments. I believe this to be a predatory practice and is probably a large scale one. They use a company not called Home Depot to do billings & collections but surely you can find out.
Consumer complaint received 2023-08-15
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. (MI)

I am currently in the process of renovating my home. I wanted to take out a loan but I checked my credit report before doing so. I noticed some items listed on my credit report that I never gave consent to. 

On XXXX XXXX my credit was ran without my knowledge or consent by XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC (AL)

I recently disputed a collection account on all 3 CRA with JH Portfolio Debt Equities several times and the account continued to remain as debt owed. I also filed a prior complaint due to not accurately updating my information on my credit report as I am in a Chapter XXXX bankruptcy. The company responded with the date they purchased the debt and also uploaded 3 credit card statements that had nothing to do with when the validation of the debt took place. 2 out of 3 of the statements you uploaded are not my current mailing address. The response also stated I filed a dispute prior to JH being notified, I notified JH after seeking an alternate number. I spoke with a customer service representative and provided the necessary bankruptcy information and the company continued to respond to XXXX as debt owed. Pull your company recorded lines to verify you dropped the ball on this. I would also like for the company to provide accurate information on when and where letters were mailed and how they attempted to collect this debt. I never received any information from JH Portfolio to dispute. I am not seeking credit card statements, I am seeking information on when a validation letter was mailed and it must be verifiable.
Consumer complaint received 2019-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

I contacted Experian XX/XX/XXXX to dispute a public record Bankruptcy showing on my credit. Experian informed me the information was verified and referenced XXXX. I disputed again XX/XX/XXXX, and was advised the item remained unchanged from the processing of my previous dispute. I also disputed incorrect addresses and names in XX/XX/XXXX and XXXX of XXXX. I disputed these items again XX/XX/XXXX. Incorrect information still remains on my report. My information was suppressed from XXXX in XX/XX/XXXX.
Consumer complaint received 2020-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This company illegally procured me a motor vehicle financing loan without a license. They did this for the entire loan they also contracted with a towing company who's business was tax forfeitures and did not have a non consent towing license
Consumer complaint received 2023-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I had 2 credit cards for citi Bank. The one balance was an amount under XXXX. The other credit card had a larger balance of around XXXX. A portion of the card with the larger amount was going to start charging me interest so I did a balance to XXXX. It was around XXXX. During the balance transfer process there were fraudulent charges on that citi card so that card number changed and I got a new card. Once the balance transfer was paid by XXXX XXXXXXXX added the XXXX to the credit card with the balance under XXXX which then made that account over paid. Ever since XXXX I have chatted, talked to them over 12 times. They keep moving money, fees, and payments all over the place between the cards. They have my accounts a complete mess and can not fix this. I am beyond frustrated and I don't know where to turn. I am so upset. This is my money they are playing with. Adding and subtracting amounts and everything else. I am a good paying customer with good credit. I'm to the point they better fix this or I'm not paying it. It's not right what they have done. At this point they should have to pay for this mess they have created. I didnot mess the balance transfer up to begin with. This was not my fault at all and now I am the one who is suffering. They keep making it worse and worse. Please help... please
Consumer complaint received 2019-06-26
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: PENTAGON FEDERAL CREDIT UNION (CA)

My name and social security number got into the wrong hands through a contact of my son 's ( he is house bound and has several cyber contacts ). 

This was a scam and the perps. are using my info. to open and close accounts. 
I am working with my credit bureau - but they don't seem to have an answer as to how I can keep these people from opening and closing accounts in my name.
Consumer complaint received 2019-06-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates, ( XXXX ) from the original creditor : XXXX XXXX. 
Account Number : XXXX Merchant : XXXX They have failed to show anything bearing my signature with a valid Identification. They will not work with creditors to take it off my credit report.
Consumer complaint received 2020-02-09
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: Onity Group Inc. (TX)

phh voiolations : race or color. national origin. religion. sex. marital status. age. * applicant 's receipt of income from a public assistance program. applicant 's exercise, in good faith, of any right under the Consumer Credit Protection Act. 
please remove the unlawful lates. 

XXXX  : XXXX Is Facing a {$100.00} XXXX Lawsuit Over Its Service Plan. ... The state isn't suing XXXX for bad customer service per se, but for the sorts of misleading claims and practices that have given XXXX such a poor public image. ( XXXX XXXX Exchange programs ; filing of information and other materials ; filing fees ; unlawful acts in connection with an exchange program. 

XXXX Provisions requiring purchase or lease of timeshare property by owners ' association or purchasers ; validity. 
XXXX  XXXX XXXX :
Consumer complaint received 2023-04-10
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.
Consumer complaint received 2023-04-10
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. (IL)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX : {$290.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00}.
Consumer complaint received 2020-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (KS)

I have attempted to contact Transworld Systems Inc separately with no resolution. I also attempted to contact XXXX XXXX XXXX XXXX. They state that I have an active balance through XXXX XXXX XXXX XXXX of {$61.00} I provided documentation to both Transworld and XXXX XXXX XXXX XXXX 6 months ago showing that I have the payment confirmation receipt for this debt. I paid it on XX/XX/2019. The debt still remains on my credit report. 

I filed disputes with all three credit bureaus. XXXX  and XXXX quickly removed the item from my credit report once I provided support ( 2 days ). 

XXXX conducted a sham investigation that took nearly a month to complete and refused to remove the item from my credit report. I filed a second dispute and they again refused to remove the item from my credit report. 

I am filing this complaint because I do not think it is just to have to pay a debt twice due to faulty record keeping between XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX credit reports
Consumer complaint received 2019-06-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

These accounts are wrong and have been placed back on my credit report after they were deleted, see dates of deletions XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. 

Bankruptcy # XXXX XXXX # XXXX XXXX consults # XXXX
Consumer complaint received 2019-06-26
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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Two years ago I wrote a letter into the company asking for a good will to remove late payment on my account for XXXX, XXXX And XXXX in 2017. The company has not replied to my letter and this is having an adverse impact on my credit score. It was an unfortunate time when it happened during the back to back passing of my aunt and father ; Ive sent them evidence of their passing to prove my unfortunate circumstance. I was their primary care giver and prior to that and after up until this date Ive maintained immaculate payment record with the company.
Consumer complaint received 2019-06-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

My bank and I have tried numerous times since XXXX 2017 to remove a duplicate item on my credit report. My bank has attempted corresponding with Experian to get this resolved, but them item remains on my report. My bank has provided letters that I have attached to my dispute, and each time, the dispute comes back as validated, and does not report the inaccurate item. I have attached the letters and email from my bank.
Consumer complaint received 2019-01-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (NV)

Obtained 2nd mortgage ( No Doc ) via CitiMortgage in XXXX We requested $ XXXX, but broker up sold us to $ XXXX at 6.5 % and convinced us of its advantages due to our excellent credit During recession, second mortgage payment became unaffordable. 
Initiated modification process in XXXX Have submitted all docs upon request and resubmitted repeatedly after continued loss of docs by CitiMortgage. This process has continued for 9 YEARS and CitiMortgage still has not offered any solution. 
We have retained the services of 3 different law firms to represent us ( since communications with Citi turned out to be impossible, attorneys had given up ) We  have been through over 70 CitiMortgage representatives over the years promising a quick modification resolution ( all records and emails available upon request ). 
Settlement ( as requested ) finally offered by CitiMortgage ( via email ) in XXXX. Our attorneys immediately followed up to discuss, but again - NO RESPONSE from CitiMortgage. 
Presently, situation remains unchanged ( of course, they are continuing to ask for updated docs ) We feel CitiMortgage has stalled for 9 years waiting for house values to rise in XXXX XXXX. 
As a result of the above, we feel Citimortgage has not done business in good faith, as prescribed by law.
Consumer complaint received 2019-10-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc. (NJ)

I disputed the account in the amount of {$510.00} that I do not owe and I received a copy of a bill. Not a contract with my signature, social security or identification attached. Now in their letter they said this is accurate proof which is a lie. In my validation letter I asked the following : 1. Assignment clause 2. Notarized letter of debt purchase 3.Signed contract from original creditor 4.Copy of license to collect in the state of NJ None of this was submitted so they failed to prove 100 % accurate as per fair credit act.
Consumer complaint received 2019-06-26
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: Credit Karma (FL)

I noticed on my Credit Karma report that there was a credit hard inquiry on my account ( first appearing on todays report, XX/XX/2019 ). I have not applied for an loans, apartments, new lines of credit, etc. Of course, Id like to know who and why theres a new hard inquiry.
Consumer complaint received 2023-04-10
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. (CA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX XXXX Balance XXXX {$300.00}
Consumer complaint received 2019-09-19
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: Navient Solutions, LLC. (FL)

My daughter, passed away on XX/XX/2015. After she passed away I had to take care of her affairs. Thats when I discovered she falsified my signature to obtain a loan for educational purposes. I did not authorize her to use my signature or my likeness to obtain a loan or financial purposes. I have contacted all three credit bureaus, the department of education and Navient who holds the loan and they refuse to remove it from my credit report. Its hard enough to lose a daughter but to have to deal with this as an ongoing reminder is more than one should bear.
Consumer complaint received 2023-04-30
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. (TX)

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 Dear Credit Bureaus : I am requesting four inquiries are removed from my credit report : # 1 XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 2 XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 3 XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX # 4 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX I am requesting my credit history with XXXX XXXX is updated on all bureaus. I am requesting a rapid rescore as my scores have been low for the past XXXX years. 

Thank you.