davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2019-10-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

You say that your company has reinvestigated these accounts and verified them as being accurate but it is obvious that you have verified nothing. All you have done is parroted information given to you by other sources and shifted the burden back to me to prove that the reported items on the accounts listed below are not valid which is clearly in violation of 1681 ( a ) ( 4 ).
Consumer complaint received 2022-03-22
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: CITIBANK, N.A. (CA)

XXXX XXXX ( XXXX XXXX XXXX : XXXX Top 1 % ) Account : Citibank Costco Visa Card Credit Line : XXXX Account Status : Excellent - 4 years held paid balance off every month -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Citibank Closed our Account - again in good standing w/ all balances paid 100 % monthly. 

They claim a call center agent said we 'Refused a Term ' but no such exchange occurred nor can they document. We don't pay any credit card interest and would care about any term ( rate ) changes as we don't live our life 's paying any interest to any of our XXXX ( unused ) lines of credit. We know the Credit score game this is how we have a XXXX XXXX  score. 

Damages : This Closing of a XXXX line of credit for no cause, with zero documentation or even an excuse has caused our well managed Credit Score to drop by XXXX points. 

This big company can not harm or damage us for no cause. 

They may be big but we are smart and will be loud. If they are making up fraudulent reasons to harm good creditors like us ( we are blessed ) what on earth are they doing to lesser fortunate souls? 

I am starting here and need your assistance to pursue all courses of action. They are not too big to be accountable for their mistakes! 

XXXX and XXXX XXXX Email : XXXX ; XXXX XXXX
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Google Compare Credit Cards Inc. (OH)

I purchased three Google XXXX  gift cards totaling {$150.00} on XX/XX/2019 to provide to a friend. The first card was redeemed. The second card was determined to be damaged and was refunded to my Google account. The third card came up with an error message wanting more information. Believing this would be handled in timely manner, two more cards were purchased totaling {$100.00} to replace the other two unredeemed. These two were also refused redemption. The information requested by Google has been sent to them 5 times. They have been called dozens of times to resolve this. I have been lied to numerous times about the problem and I have not been given any explanation as to why they continue to refuse to allow redemption.
Consumer complaint received 2019-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I am a custimer of Citizens bank. 
I attempted to make a bank deposit via an ATM at the citizens bank branch where i reside and before the money was deposited, i pushed a return cash button because i realised i need extra cash with me. The machine did not return my money and didn't credit my account. 
I filed a complaint immediately and although the manager promised i will receive my fund within 24hours before the money would be returned, I did not get any money. 
About 9 days later, the original amount was credited to my account and all seem well. 
I was surprised today when i made a deposit to my account and found my balance negative after the deposit. I called the customer care and the lady told me the bank withdrew the money they had earlier deposited after concluding their investigation. 
So the bank took my {$70.00} in my balance.
Consumer complaint received 2019-11-02
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DC)

on XX/XX/XXXX I obtained line of credit from BANK OF AMERICA , N.A, with amount of {$250000.00} with account number # XXXX on XXXX bank of America breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia . 
on XXXX I filed chapter XXXX bankruptcy, and case converted to chapter XXXX unlawfully, and since trustee transfer all of my money from DIP account ( {$91000.00} ) to his account I was not able to pay BANK OF AMERICA LINE OF CREDIT since XX/XX/XXXX. 
and BANK OF AMERICA, N.A close that account on XX/XX/XXXX. first third party debt collector XXXX XXXX XXXX XXXX tried to collect # XXXX when they could not and find it was forclosure, then third party debt collector XXXX XXXX XXXX XXXX try to collect same line of credit with different account number # XXXX ( amount of {$160000.00} BANK OF AMERICA, N.A closed it on XX/XX/XXXX ) and under name of XXXX XXXX XXXX XXXX for amount of {$250000.00}. 
and after forclosure BANK OF AMERICA N.A transfer account # XXXX to XXXX XXXX XXXX, XXXX since both account is under one line of credit agreement and both closed and breached and passed statue of limitation. by forclosure and transferring it to debt collector XXXX XXXX XXXX, XXXX BANK OF AMERICA, N.A caused a lot of harm and damaged financially and mentally to I, and my family, I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX complaint several time at least 11 times and they ignored me. third party debt collectors finally without any court hearing all hearsay and with different case laws that are not related to the case without any facts or evidence with deceptive action, got judgment against I, and my husband ( he is not party in alleged debt ), to foreclose my home stead property with a line of credit that was breached and passed statue of limitation. alleged case : XXXX at SUPERIOR COURT OF THE DISTRICT OF COLUMBIA, BANK OF AMERICA, N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX V XXXX XXXX XXXX, XXXX PLAINTIFF ( S )
Consumer complaint received 2022-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

A check which was supposed to go to Oil company ( I mailed it on XXXX XXXX ) was stolen and forged. A person stole the check, changed everything ; date, amount, to whom, signature. Back of the check was not signed. The check was cashed on XXXX the XXXX. I noticed it when looked at my account on the online banking on XXXX the XXXX. I spoke to a bank person at Bank of America on the same day ( XX/XX/XXXX ). The bank put {$5000.00} back the day as temporarily solution ( XX/XX/XXXX ). I went to Police station to make a police report ( Police report # XXXX XXXX XXXX  XXXX XXXX and gave it to the bank ( XXXX the XXXX ). I have been talking to the bank people at investigation Department several times, but the bank has not return our money fully yet.
Consumer complaint received 2019-08-02
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. (NY)

THE DISPUTED ACCOUNT DOES NOT BELONG TO ME. IT IS CAUSING SERIOUS DAMAGE TO MY CREDIT REPORT AND I WOULD LIKE FOR THE NEGATIVE ACCOUNT TO BE REMOVED OFF MY FILE. PLEASE LOOK INTO THIS MATTER FOR IT HAS HINDER MY REPORT.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Sterling Infosystems Inc. (CA)

I had a background check completed ; however, upon reviewing the documentation, I found another name listed alongside mine. The name belongs to a " XXXX XXXX '' ( the Spelling may be off ). However, I have never claimed the name ; I don't know anyone with the name and would like said name removed if possible.
Consumer complaint received 2019-08-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (UT)

I received notice today that my credit limit has dropped by {$3600.00} which has negatively impacted my credit score. As far as I knew, my credit card was paid off in XX/XX/2019 When I called synchrony bank I was told I had a past due balance of {$2.00} for several months. The amount increased to {$6.00}, which I received a notice about last week and paid online. I was shocked to find out my credit limit would be dropped so much for {$2.00}. I was told back in XXXX and XXXX my payment was late. I called back when that happened and let them know one of my children committed XXXX and they worked with me. I don't understand why 8 months later they would decide to drop my credit limit due to this. I have made payments on time and paid off the card several times.
Consumer complaint received 2023-06-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (PA)

Dynamic Recovery Solutions somehow has gotten my phone number and proceeded to call me and even texting me- a feature I NEVER opted into - in order to collect a debt my deceased father owes. They must have somehow gotten notification of his death in XXXX and have decided it's appropriate to harass me in the months following his death over a debt because I haven't received these texts prior. It's also important to note I was not on my dad 's phone plan for years so them obtaining my number doesn't seem legal either. My father had no estate and I am not obligated to pay this debt. How they got my number, which is also on the national do not call list, and then have proceeded to opt me into communications with them all while I'm still grieving the loss of my only parent is horrendously disgusting and, based on what I've read, not legal.
Consumer complaint received 2017-06-02
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. (NM)

I was contacted by XXXX and XXXX of XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX in XXXX XXXX, Ca. XXXX -- Ph # XXXX. In XXXX 2017 XXXX, the assistant to loan officer XXXX requested a credit report in order to verify a possible interest rate deduction. When asked if the report would be a 'hard ' pull, he responded in the negative. After a couple weeks of back and forth on mortgage 'replacement ' offers they proposed, it became evident that the loan I already have is most appropriate for me, not needing to pull any additional equity money out to pay any bills -- I have none that recur other than current mortgage.
<P/>
During our communication XXXX stated that the credit report request would not affect my credit score as they are to replace an existing mortgage. It is important to me not to have a negative effect on credit score because once retired, one 's income is lower, making it harder to qualify for another home or other big ticket item.
However, when I received my credit report from Experian, it now shows not one, but XXXX HARD Pulls from their organization. I believe they need to be requested to reverse what they have done, and to not do that to another prospective client. They have not responded to the email I sent requesting them to do so. Unfortunately, the credit bureaus will not perform this adjustment ; it must be done by the potential creditor.
Consumer complaint received 2022-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (MD)

There are two late payments on my report. Both of these are incorrect. I have paid all of my bills on time. The notable late payment is from XXXXBarclays on my XXXX  XXXX XXXX I paid this but the payment did not go through because of the transition by XXXX from XXXX XXXX BarclaysXXXX. I resolved this with the companies, but it still shows on my credit report. 

Please REMOVE THE LATE PAYMENTS on my report as soon as possible. I am applying to new apartments in new York and desperately need my credit score to be above 700. 

Thank you so much for your help. Please don't hesitate to call if you have any trouble resolving these errors. 

Thank you! 

XXXX XXXX XXXX
Consumer complaint received 2022-03-22
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. (WI)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 and XXXX and 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 XXXX 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 .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 inquiries 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NM)

I have not been able to access my Experion account because when I try to log in it wants to text me an access code to the number on my account. The number is an old landline that has been disconnected. I have been trying to speak to someone and keep getting the same recording with only 2 options neither of which is tech support or a live agent. There arent enough expletives in the OED to cover how I feel about Experians lack of customer support. Please direct me to someone that can help. 
XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Per 15 usc 6801 And b ( 3 ) I wan na opt out of you sharing my personal non public information that has been harmful to me and has been beyond nonpublic personal information following 15 U.S. Code 6805 - Enforcement and 16 cfr 313 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.pursuant to Privacy act of 1974.
Consumer complaint received 2017-06-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NV)

The lender has failed to respond to our QWR and Notice of error request sent on  XXXX / XXXX / 17  and are proceeding to sale set for  XXXX / XXXX / 17  - the lender is in violation of regulation  X- 12 USC 2605 ( e ) ( 1 ) and the clients right to counsel.
Consumer complaint received 2017-06-02
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. (MD)

I have disputed an Account on all 3 of my credit reports : XXXX XXXX XXXX Filed XX/XX/XXXX Charge off Last Updated XX/XX/XXXX XXXX - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} Transunion - Disputed XX/XX/XXXX - Reporting at the time {$15000.00} XXXX - Disputed XX/XX/XXXX- Reporting at the time {$15000.00} I requested that they validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from their credit file. All three Credit Bureaus replied with a letter stating " Verified ''. No Documentation was provided as requested in the letter. <P/>As a result of the Disputes I sent on XX/XX/XXXX to the Credit Bureaus, XXXX XXXX XXXX has chosen to be really spiteful by increasing my Balance with the Credit Bureaus to affect my credit report. Which has been done as my scores have dropped tremendously. <P/>XX/XX/XXXX - XXXX XXXX XXXX Increased from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Listed a New account name " XXXX XXXX '' XX/XX/XXXX -XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} XX/XX/XXXX - XXXX XXXX XXXX Increased the Balance from {$15000.00} to {$15000.00} All of these changes due to me disputing an account that they will not provide the documentation as requested. The Credit Bureaus did not complete a thorough investigation as they are supposed to and the account needs to be removed from all three Credit Bureaus.
Consumer complaint received 2022-07-07
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Principe & Strasnick, P.C. (MA)

I received a letter in the mail in XX/XX/XXXX from Principe & Strasnick , P.C . Attorneys at Law charging me a private loan for XXXX XXXX XXXX XXXX XXXX of {$5000.00}. on XX/XX/XXXX I emailed XXXX XXXX back a authorization letter with my bank information and signature for them to process a monthly payment of XXXXXXXX XXXX  on the XXXX of each month to pay off the owed amount. I had spoken to them on the phone that day as well to discuss the owed balance of {$5000.00} which they told me it includes interest charge as well. This letter was the 3rd time I had received it, the first time I thought it was a scam letter and the 2nd time I called them and they told me they need to collect a debt balance for the school I went to from XXXX to XXXX which was only a 6-7 month program for a certificate. I received the certificate in XXXX for medical office assistant and they had no graduating ceremony for us and they did not want to give me my certificate until I went to go pick it up. The school was not a great school for me because they were low staffed with teachers and did not have all the medical equipment needed in order to learn. They are to over priced for a technical school just to receive a certificate. I would never recommend this school to anyone because they make false promises to students just to bury them with a huge amount of federal and private loan. Right now my federal loans for this school are on pause which they are thru XXXX because of the pandemic except this private one they are pushing me, harassing me to pay it off all at once. The attorney on the phone asked me if I can pay off the whole sum of {$5000.00} which I could not because I do not have that much money to pay that to them so they started bargaining and said they can reduce it to XXXX if I can pay it off all which I still could not, so they told me I can set up a payment plan with them and they asked me how much I can do each month, I told them XXXX $ a month is what I could afford and they said okay and emailed me they're authorization form to include my bank information and signature so they can deduct that amount the XXXX of each month starting XX/XX/XXXX which they never did. They made a court case with XXXX District Court in Massachusetts for XX/XX/XXXX for me to attend for this balance without ever taking any payment plan I had already made with them back in XX/XX/XXXX. I was willing to work something out with them and they did not take out the balance because they must want the full amount of {$5000.00}
Consumer complaint received 2022-07-07
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: Resurgent Capital Services L.P. (AK)

XXXXXXXX XXXX XXXX sold my account to Resurgent Capital Services. They harassed me and intimidated me into paying the balance owed, which a representative told me, after I paid in full the charged off status would be removed from my account. It was not.