davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-21
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. (MO)

My identity has been compromised, documented, and I'm still finding myself fighting for my true identity in order to give me my accurate report. These accounts has been disputed many times, however Equifax credit agency refuse to abide by the laws of the FCRA, Section 609, Section 611, and Section 623. My next and only way to deal with this is to either a law suit and/ or file with the FTC . Equifax is reporting unverified accounts from sources without being provided physical documentation and shared with the consumer. I have demanded that Equifax provide me with the Method Of Verification inwhich it took in denying my dispute by responding account verified. Who verified these accounts, what was title and name of the employee who represented Equifax, what day and time / year did this take place. What communication devices was used, phone, fax, email, certified mail, etc. Please provide me the consumer with this information per these accounts ( # 1 ) XXXX XXXX XXXX {$920.00}, ( # 2 )  XXXX XXXX, XXXX {$730.00}, ( # 3 ) XXXX XXXX XXXX XXXX {$26000.00}, ( # 4 ) XXXX XXXX XXXX {$1000.00}, if not please block these accounts permanently and immediately. I do not have a contract with these corporations. It is not my job to contact them, Equifax is the company that's reporting items that's one sided without providing physical documentation along with The Method Of Verification used. Please block accounts immediately.
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXXXXXX 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 2022-07-21
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Upon reviewing my reports, the incorrect account was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX : {$12000.00}
Consumer complaint received 2021-11-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (GA)

Navient says that I can lower my payment from {$300.00} to {$25.00} per month based off of the Income Based Repayment Plan however, when I go to the Federal Student Aid and, talk to the people there, they say that I dont have any loans so, I can not do the income based repayment. I have been going round and round with Navient but, they will not help.
Consumer complaint received 2024-02-24
Product: Credit 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. (IL)

I noticed on XX/XX/XXXX that two charges occurred on my Citibank American XXXX credit card. I disputed both charges online. I waited for Citibank to respond back and we called them early XXXX to see the status ( which can take up to 60 days ). They said they are still investigating. When I called again in early XXXX, they said it was resolved but I told them I still see the charges on my account. They stated that they sent a letter asking for more information but I told them we NEVER received it. So they reopened the case again and on XX/XX/XXXX, they sent a letter online stating that I need to write a statement on what happened on the very same letter and to either email it or fax it back to them. So on XX/XX/XXXX, I sent all required information by email and they confirmed receipt. I called again XX/XX/XXXX and she confirmed receipt and it was still in dispute. I called XX/XX/XXXX and they claimed they didn't receive the information, and when I provided the date, she found they did have it and reopened the case. I have asked for this to be resolved as this has been going on for months now. 

This has been going on now for SIX MONTHS and Citibank is reporting to the three credit bureaus that I am late on my account ( even thought they confirmed that the account is in dispute and I do not have to pay a XXXX while this dispute is still happening ) and my credit is now damaged. How do I know this? Because I asked for a credit line increase on another Citibank credit card account and I was denied and the reasons stated were " late payments '' and " delinquent account on an associated account ''. It is plainly obvious that Citibank 's dispute department is badly organized and don't know what they are doing. Now my good name has been tarnished and who knows how many other consumers that Citibank is doing this to.
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days  prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (NY)

I am on the do not call registry and I keep getting calls from these companies saying that my credit card needs to be updater or my information needs to be updated and I don't have a credit card when I ask to speak to a supervisor I get disconnected. 

If I am on the Do Not Call Registry why do I continue to get these calls.
Consumer complaint received 2022-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aargon Agency, Inc. (PA)

I am submitting this complaint as there is no third party involved, I am making this complaint to AARGON AGENCY INC on my own behalf. Because I believe this business is infringing on my right to privacy. The Privacy Act of 1974 is being pursued. 

This company exploited my personal identifying information without my permission, which is considered identity theft under 15 USC 1681a ( q ) ( 3 ). Also, this company is penalizing me, damaging my name, and undermining the public confidence by furnishing an account to the consumer reporting agencies for which they have no legal power or direct contract to try to collect on this supposed obligation. 18 USC 894 prohibits such conduct. " Collection of extensions of credit by extortionate means
Consumer complaint received 2018-04-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I tried to open a core checking account last year XX/XX/XXXX at BANK of AMERICA online. Was not approved immediately, the system was pending. Never received any mail from BANK of AMERICA, never received documents, never received ATM card.

<1>This year XX/XX/XXXX I got to know that BANK of AMERICA was charging me XXXX   dollars monthly fee every month, totally XXXX dollars or more till now. ( I do not recognize that. Never used Bank of America Service at all. ) <2>Also BANK of AMERICA blemished my debit and credit report at certain credit reporting agencies, because BANK of AMERICA claim I owe monthly fee as unpaid debt. ( Information sharing was not authorized in any format. ) Talked with BANK of AMERICA on the phone in XX/XX/XXXX. Did not solve the problem.

Account number XXXX XXXX XXXX
Consumer complaint received 2022-07-21
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)

This is my 7th endeavor 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. 
XXXXXXXX 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 2021-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (KY)

In XX/XX/2020, I opened a CC with Apple/Goldman Sachs for the purchase of 2 XXXX  when I purchased them at the Apple XXXX. I was already on an installment plan for my old phones and the Apple rep assured me that this would be the same and that my auto-pay would be setup the same. Sometime around the end of XXXX or beginning of XXXX, I received a phone call from Goldman stating that I was 3 months late on payments. I asked them why this was the first I had heard from them and they stated that had tried to email me. I later found out that these emails were being intercepted by XXXX XXXX spam filter - so I wasn't getting them. I immediately paid the account current and was advised that Goldman would clean up the mess on their end. Approx 30 days later I was notified by the Credit bureaus that Goldman erroneously reported my XXXX payment late but had reported XXXX and XXXX as " on-time ''. I filed a dispute with the 3 CC bureaus but Goldman insisted that their reporting was accurate. An accurate report would have been that I was technically late XXXX, XXXX AND XXXX but Goldman said that they would clean it up since my auto-pay was messed up. I called Goldman @ XXXX to inquire about just paying the account off and closing it - they hung up on me. I thought it was a mistake but they have my call back number if it was a simple disconnection. This issue has caused my credit score to go from XXXX down to XXXX and resulted in a higher rate for a car that I recently purchased.
Consumer complaint received 2018-12-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A. (FL)

My wife and I filed for and completed our chapter XXXX bankruptcy plan and received our discharge papers. PNC Bank holds our second mortgage and is showing our account as being behind 1 payment behind after completing the plan. After several requests PNC completed the " Notice of Final Cure Payment '' and it shows that our first post petition payment was due on XX/XX/XXXX. My wife have made XX/XX/XXXX payment, XX/XX/XXXX payment and are going to send out XX/XX/XXXX which is due on the XX/XX/XXXX. 

There is no way that we can be behind after completing the plan and the fact that the cure notice confirms this is disgusting that PNC will not rectify it. If there are delinquent monies with our loan, PNC should have addressed them with the bankruptcy court prior to completing the Final Cure Notice. Now that we are no longer under the protection of the courts, they are claiming that we are behind. 

I have made about 15 phone calls and have spoken to many of representatives from PNC, but no one has any authority to make this right. The last person that I spoke with was a XXXX XXXX at XXXX. He explained that PNC 's attorney would reach out to our Bankruptcy attorney to figure things out. My attorney has called them several times but no one will call him back. 
My wife and I can not continue to pay a lawyer for making phone calls and sending out letters because our mortgage company does not have their act together.
Consumer complaint received 2018-12-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SIMMONS FIRST NATIONAL CORPORATION (FL)

I took a mortgage on an investment home I own in XXXX XXXX, FL    from a local bank in Colorado  called Simmons Bank ( XX/XX/2018 ). Simmons Bank agreed verbally and in writing ( by email ) to issue the mortgage loan without hurricane insurance and has acknowledged this several times also by email ( see attachment ). 

However, Simmons subsequently ( within months ) sold the loan to XXXX. It appears in retrospect that Simmons was concurrently planning to sell the loan while originating it ( without disclosing this fact ). The mortgage broker was aware that an important reason for working with Simmons was my understanding that they would hold the loan in house ( as they had for my principal residence in CO  ). 

XXXX is now demanding that I pay for hurricane insurance, which is approximately {$20000.00} per year. Without hurricane insurance, pursuant to the closing disclosures provided by Simmons, the estimated taxes and insurance were listed as {$1400.00}. Therefore, hurricane insurance would more than double my total tax and insurance liability. The mortgage has a 30 year term, so the damages are substantial. It is also very important to note that I would not have qualified for the loan if the requirement for hurricane insurance had been included in the loan terms from the start. See attached email where the mortgage broker calculates I have a DTI of 44 % WITHOUT hurricane insurance. If this is not resolved, I will have to sell the property, which would be a significant loss for me.
Consumer complaint received 2022-06-10
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

US DEPT ED # XXXX, Date Opened : XX/XX/2016, has violated my rights. Reported Twice! Wrong! 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

US DEPT ED # XXXX, Date Opened : XX/XX/2016, has violated my rights. Reported Twice! Wrong! 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-14
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)

I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove it once its confirmed that it is not mine.
Consumer complaint received 2018-04-10
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. (GA)

Not mine inquires/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

CRA VIOLATION NO KNOWLEDGE INACCURATE WITH XXXX ACCOUNT # XXXX AND XXXX/XXXX XXXX XXXX XXXX   ACCOUNT # XXXX APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Consumer complaint received 2018-12-06
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. XXXX, XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-07-21
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. (CA)

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : 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 XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Consumer complaint received 2018-12-06
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. XXXX, XXXX, XXXX XXXX XXXX XXXX.
Consumer complaint received 2018-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (MO)

I applied for a Chase Sapphire credit card that advertised an intro offer of {$0.00} for the first year. On receiving the card they charged me {$95.00}. When I contacted them, they told me that in that small window of me applying for the card the terms had changed. Even though the offer still shows on my acct and has been there for many months ( it shows even today ), they will not remove the charge, nor would they transfer my call to past second level to discuss.
Consumer complaint received 2022-08-17
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: Experian Information Solutions Inc. (PA)

I feel like I'm being taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its removal from my credit report.