davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
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: Experian Information Solutions Inc. (IL)

Below are inquiries on my report that I do not recognize along with the dates that the inquiries occurred. Can you kindly verify these inquiries and remove them? 


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 XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

Credit bureaus failed to positively verify collection accounts. Credit bureaus did not provide me a copy of verifiable proof for alleged accounts listed below XXXX  ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX Experian ACCOUNT # XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2018-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (NY)

I had opened a secured credit card in XX/XX/XXXX and I decided to close the account and paid the balance in full {$190.00} in XX/XX/XXXX. After that I disputed the debt because the unpaid balance of {$18000.00} appear in my Credit Reports. I tried to validate the debt two times and they were not providing the details. I dont recognize the purchase transaction that happens in XX/XX/XXXX, and other unexplained transactions that appears after that. 

Also, I want to mention that after the account was satisfied they started to accumulate late fees until XX/XX/XXXX that results in the balance of {$18000.00}. 

I initiated an investigation and in XX/XX/XXXX then Citi sent me a letter receiving the dispute, but until today I have never received an explanation about the transaction details. After that some communications were sent and calls done but were not successful to resolve the issue. Last call was done in XX/XX/XXXX and they said they can not retrieve any history and they didn't have the transactions in their systems. Instead they are asking me to provide the documents. 

Under my knowledge I paid the account in full in XX/XX/XXXX and I have never received the {$200.00} secured deposit.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (WA)

I received a letter from XXXX XXXX, XXXX on XX/XX/18. This letter was for debt collection of {$750.00} from Paypal Inc. I do not owe Paypal any money. 

I called Paypal and verified that, I did not own them anything. The person I spoke with stated that they do not do business with XXXX XXXX. He told me to ignore the letter. 

I called XXXX XXXX and explained the situation. The representative told me that I owed the money, and suggested that my Paypal account had been hacked. I told him, I would file a criminal complaint on this issue, and he asked me if he could file the complaint. When he stared asking me personal questions, I told him, I would do the complaint myself. I had no idea who this person was. 

This morning I did a XXXX search on the company, and found that they have a long track record of collection fraud.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (FL)

I have reported this before on this site and it continues to be closed without them answering my questions. Monterey financial has violated the fdcpa! They have given me the wrong amount twice over the phone and the calls are recorded. I have ask for an agreement to be made on settling this account and they refuse to accommodate at all even though they have lied. They are reporting missed payments and threatened me multiple times that if I dont give them money immediately that they will send me to collections. These threat were given to me after I told them that I read the contract myself and I know that I dont owe them XXXX   dollars and I actually owed XXXX. They have responded saying they never told me XXXX even though the last time I spoke to them they said that the people gave me the wrong amount by accident. I dont want them to send me the dates I signed a contract or lies that they never told me that, what I want is for someone to contact me about finally ending all of this once and for all
Consumer complaint received 2020-12-15
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: I.C. System, Inc. (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop XXXX I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.
Consumer complaint received 2020-12-15
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: Experian Information Solutions Inc. (GA)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2019-11-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CITIBANK, N.A. (GA)

I entered military service in XX/XX/XXXX and put all of my student loans into deferment while I went to XXXX XXXX and got into a routine and made a little bit of money. Around XX/XX/XXXX, I was stable enough to start making payments on my student loans, and I started to do so. However, when restarting payments on my loans, I forgot about the {$30000.00} loan I had taken out with CitiBank. Over time, the payments became very delinquent. There was no attempt to contact me that I am aware of, either through email, phone, or mail. 

I found out about the delinquent account because my clearance was at risk in XX/XX/XXXX. I called the company to try to figure out a payment plan because I am WILLING AND ABLE to make payments. The debt has been passed around through various companies, and this required calling all of them. CitiBank gave it to a company called XXXX, who sold it to XXXX XXXX XXXX, who sold it back to CitiBank. I received no notification that my debt was passed around, and who I should be making payments to. I called Citibank late XX/XX/XXXX to try to make a payment plan, and they refused, saying that the only option for me was to pay a settlement equal to 65 % of the amount owed. The amount owed is {$42000.00} and the settlement payment is {$27000.00}. 

I told the representative that I talked to that I am unable to make a settlement payment, but that I am WILLING AND ABLE to negotiate monthly payments, and my request was refused. When I asked to speak with someone else or a supervisor, my request was denied and the representative stated that he did not have a supervisor and that he is the only one that I am allowed to talk to. 

I considered getting a consolidation loan, but I can not get a loan with bad credit. I can not fix my credit until I get this loan taken care of. This is an endless loop that I am stuck in despite my willingness to fix it and make it right.
Consumer complaint received 2020-11-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc. (CT)

As of XX/XX/19 I finalized my refinanced with Caliber Home loans. Prior to finalizing I was told that my sewer taxes were to be included in my total escrow and included ultimately in my total monthly payment. Prior to being made aware of this I was asking questions because my total monthly savings wasnt really enough to sign the deal. But once told that my sewer taxes where included and that was the reason my monthly savings didnt seem like a lot. I signed off on it after proof via email that the addition escrow being taken out was in regards to the sewer taxes. About mid XXXX I got a letter from my town saying there was a intent to Lien on my property because of a overdue balance on sewer tax. I reached out to caliber everyday for a week straight to finally have them resolve it. 2 months later I went to pay my mortgage and realized I was now being charged an addition XXXX dollars a month for 5 years to make up for low escrow in the account. Numerous times I explained that there was plenty of money getting taken out to cover both property taxes, insurance and the sewer tax. Ultimately their final decision was to rework the refinance and I was assigned a new loan officer since the original one was no longer with the company. We agreed to go ahead with the refinance at the end of XXXX. We are currently 3 months into the refinance and still havent closed. As every closing date approaches we get more set backs. With that said we have to reach out to caliber to see what the delay is. We are now being told we have to bring almost XXXX dollars to closing to make up for the Loan to value ratio. We did not make this mistake and Calibers only option is to dispute the appraisal In hopes that we can make the money up. I asked what the next step would be after that and was told it is what it is. So due to calibers mistake I have to suffer. I have made one payment so far with the additional escrow added and about to make a second due to their delays and lack of communication.
Consumer complaint received 2018-04-25
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: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX I wrote a letter to Experian to pursue my rights to request information on the method Experian used to obtain their verification, as well as the details of said verification.According to the law, it is my right to receive proof of the verification and if that proof is missing, to have the inaccurate entry deleted. Since you failed to furnish the information you used to validate the information used with XXXX XXXX XXXX XXXX on my credit report. This is my notice to sue under section 616 of the FCRA due to non compliance on your company part. The following items are unverifiable which is why you haven't submitted the information used to validate this information. 

Legal actions that can be taken : Defamation, financial injury US Court of Appeals, XXXX XXXX, No. XXXX, XXXX vs. XXXX XXXX. Extent of damages incurred by the wronged party as deemed by the courts. 
Defamation, willful injuryFCRA Section 623 XXXX, v. XXXX XXXX XXXX US Court of Appeals for the XXXX XXXX XXXX Case 115 F.3d 220 XX/XX/XXXX, Filed ( D.C. No. XXXX ) .Extent of damages incurred by the wronged party, as deemed by the courts.
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lloyd & McDaniel, PLC (KY)

My bank accounts have been frozen in order to collect a debt from 2015. I contact the lawyers who have submitted and obtain the freeze legally however, the correspondence regarding the debt was sent to an address I have never resided in. I had no way to choose to pay the debt or to act to keep my accounts from being frozen. I explained that I have never lived at the address they have on file and they are refusing to assist me.
Consumer complaint received 2018-10-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service (TX)

I am a 100 % XXXX Veteran that was XXXX XXXX in XX/XX/2013. Due to service connected injuries, I have become unable to work. I fell delinquent on the AAFES/Star Card account and have had my tax returns taken since leaving the military. 
I would like a printout showing the original balance owed when the debt first became delinquent, as well as something showing the $ XXXX total that has been offset from my taxes- applied to the debt. They have taken over {$4000.00} total and are now garnishing my SS XXXX benefits in the amount of {$250.00} per month. They send billing statements with no decrease to my balance and refuse to mail me anything showing the original balance upon separation and a detailed list of all of the funds they have taken from me, applied to the account. I am told to contact the debt collection company they transferred the debt to, with them refusing to provide information as well. I can not pay a debt that the balance continues to grow. I do not need a statement that shows nothing but the current balance. Where has all that money gone? I have already lost everything I own, from being unable to work, yet this company continues to take my money and refuses to provide documentation of all money that has been offset. I am at a loss. This is why XXXX commit XXXX.
Consumer complaint received 2022-06-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (WI)

I had insurance during this time. The office for XXXX XXXX OF THE XXXX XXXX was submitting my old insurance for this bill. They were not submitting the invoice to my NEW insurance which was prodived to them multiple times. So they sent the invoice to collections. The total invoice was 100 % covered by my insurance. It can not be covered by insurance now because it was sent to the debt collector over a year after the service debt. I should not owe this debt because it WAS covered by insurance. The doctors office clearly can not do their job in the billing debt to have had it processed correctly. Attaching documents of when my insurance started and is still covered to this exact day.
Consumer complaint received 2021-10-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. That is a huge difference experian paints me as a XXXX. my fico say I have good credit. What the heck is going on here. I have almost no debt and my identity was stolen causing my score to drop n I made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have four negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the accounts and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 10 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned inthey are causi ng me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2022-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I opened a case ( # XXXX ) regarding XXXX XXXX ID # XXXX on my credit report XX/XX/2022. I found a response from the court it appears they do not report to the credit bureaus. And they did not provide me any paperwork saying this account is mine. I attached a copy of the letter sent to me by the courts. In the response that I received from Transunion it shows that this account was verified by the courts. Or at least that's how it looks to me, I also attached that notice as well.
Consumer complaint received 2020-12-15
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (MO)

At the beginning of XXXX or so I was contacted by the phone number XXXX to pay a debt. They told me they were a lawfirm ( did not say who ) that was basically going to take me to court if I didn't not begin paying my debt. They have been withdrawing from my account ever since.
Consumer complaint received 2020-12-15
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. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.