davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A. (CA)

I was a Citibank customer for more than a decade. The checking account was opened as a Total Free checking according to the contract and I had been using the checking account for years without any fees being imposed on the account. Several years ago, I switched to XXXX but didn't close the Citibank accounts. The Citibank bank accounts were inactive for several year since I switched to XXXX. I did not received any notifications on changes of service/fees on the checking account until couple months ago, out of total surprises, Citibank bombed me with many notifications asking me to pay $ XXXX monthly service fee - confirmed with customer service that the entire {$920.00} was monthly service fees accumulated over years when the account was inactive. 

I tried to resolve this issue by working with Citibank 's customer service, but have been unsuccessful. Citibank intentionally not to send me any notification earlier when the service fee balance was much lower - they have been secretly accumulating service fees on my account for years without any communication so that they can charge me a huge amount at once, without any agreement. 

I hope someone could help me to resolve this issue, but don't know where to go. Hopefully, publishing this horrible experience of mine with Citibank can help other consumers not to be victimized by this bank.
Consumer complaint received 2017-06-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

Good evening, after reviewing my credit report since  XXXX   XXXX  to present. I noticed a few discrepancies. I have contacted Transunion on numerous occasions via certified mail, phone calls, faxes, etc. and to this day, they have disregarded my requests. I have made contac t  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . Each time Transunion either sends me their generic letter that states that  a company does n't have to have your permission to pull your credit. Or that I need to contact the actual creditor. I have sent letters to those companies and called and the creditors exact words are " Unfortunately, we are unable to assist you b/c you do n't have an active account with us '' " what you should do is dispute this with the credit bureaus. Can you imagine my frustration? Numerous unauthorized inquiries is making it very difficult for me to acquire credit as I 'm looking to purchase a home for my family and I. Most of the inquiries listed on my TU report pertain to auto loans, I do n't have a need for a auto loan nor am I searching for a vehicle. These inquiries were performed under false pretenses. The inquiries are fraudulent and I 'd like to have them deleted immediately. I know my rights as a consumer and again this is becoming more frustrating each day. I have no knowledge of these inquiries and I am requesting that they be deleted and removed immediately. Your attention to this matter is much needed, thank you!     I will also submit a complaint for another reporting agency known as  XXXX  as they are giving me a hard time as well.  XXXX  is the only company that has helped me in removing inquiries.      XXXX   XXXX   XX/XX/XXXX ,  XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX
Consumer complaint received 2021-11-18
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please remove the following accounts below : ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

I'm being charged interest on subsidized loans despite being in school for 6 straight years and currently being in grace period until XX/XX/XXXX. Nelnet says my schooling isn't reported as multiple programs over 6 years and the NSLDS website shows my max term for SULA was 1.5 years. I completed my XXXX XXXX degree in 4.5 years, with SULA i should have had up to 6 years ( 150 % of the length of the program ). Then immediately went to grad school with loans in deferment. I reached out to both Nelnet and my university in XX/XX/XXXX and was told there's nothing that can be done. My school showed me they reported my degrees correctly, Nelnet won't give me any information other than that my subsidy was lost after a year and a half ( so this would've been in XX/XX/XXXX or XX/XX/XXXX ) meaning I've been being charged interest on about 6 loans for 4 or 5 years.
Consumer complaint received 2023-09-01
Product: Credit reporting 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. (PA)

I XXXX XXXX Have unauthorized inquiries appearing on my credit report I have attached documentation below. 
1 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 2. XXXX XXXX Date of inquiry : XX/XX/XXXX 3. XXXX XXXX Date of inquiry XX/XX/XXXXXXXX  4. XXXX XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2023-08-29
Product: Credit reporting 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. (NY)

I DO NOT RECOGNIZE ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7300.00}
Consumer complaint received 2021-11-18
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX of inquiry XX/XX/2020
Consumer complaint received 2018-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Sortis Financial, Inc. (MD)

I notorized and signed a loan modification agreement with Sortis Financial on XX/XX/18 ; and Sortis signed it on XX/XX/18. The new terms are interest rate of 7.6 % for 25 years with new payment amount of {$990.00} starting on XX/XX/18. The XXXX payment was sent electronically on XX/XX/8 in the amount of {$1100.00}, the old payment amount. On XX/XX/18 an electronic payment for XXXX was sent in the amount of {$990.00}, which is the new payment. Attached is a copy of the loan modification and agreement signed and notorized by both parties, with a copy of the envelope they mailed it in. On XX/XX/18, I received a letter in the mail dated XX/XX/18 from Sortis that my mortgage had been sold to XXXX XXXX XXXX ( payments - XXXX XXXX XXXX XXXX, Tx, XXXX ; correspondence - XXXX XXXX XXXX, XXXX, CA XXXX or XXXX ), effective XX/XX/18. It says that Sortis will receive payments with respect to this loan thru the day before transfer. 
Something does not sound right regarding this transfer after the loan modification agreement. 
In addition, I received back from Sortis, the original signed and notorized loan papers, with no explanation or cover letter.
Consumer complaint received 2021-11-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (CA)

Hello there. I am writing about a debt that is not mine. I am not alone on this matter as many XXXX drivers who leased a car from a company called XXXX XXXX is getting debt collection letters from a debt collection agency named RPM ( Receivables Performance Management ). I leased a car from this company starting in the Spring of XXXX and returned the car XX/XX/XXXX. Sometime around early XXXX, XXXX XXXX contracts and portfolios were sold to a company called XXXX XXXX XXXX. They took over the leases from XXXX XXXX. I have always paid my leasing fees ON TIME and in a timely manner. Now, suddenly after a little over 3 years of returning the car I get a very mysterious debt of {$4200.00}. On the Debt collection letter, it states that the Current Creditor is XXXX XXXX XXXX, XXXX. Original Creditor listed as XXXX XXXX XXXX. I already sent a dispute letter to RPM. As for XXXX XXXX XXXX, fraud or accounting negligence ( or maybe both ) must of occurred once XXXX XXXX was sold to XXXX XXXX XXXX. I satisfied the contract to XXXX and believe that RPM 's bill is based on bad information. So, the XXXX big players here that should be looked into are : Receivables Performance Management , LLC ( Debt Collector ) XXXX XXXX XXXX, XXXX ( Creditor ) Fair Acquisition, XXXX ( Leasing Company When Car Was Returned )
Consumer complaint received 2021-11-18
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. (NY)

This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Please remove the following accounts below : 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 2023-03-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the following charge off accounts on my credit report : XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account I believe these accounts are reporting incorrectly on my credit report. [ Add any additional information here, such as if you've paid off the account or if you don't recognize the account. ] As such, I am requesting that you investigate these accounts and remove them from my credit report if they are found to be inaccurate. 

Please provide me with written confirmation once this dispute has been resolved. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (FL)

On XX/XX/ XXXX XXXX sent a debt validation letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX GAXXXX, Its been more than 30 days and they have not responded my request. ( letter attached ) I am distressed that SEQUIUM have included the information below in my credit profile and that they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy. 

Re : Account # XXXX Please remove it from my credit report. I respectfully request to be provided proof of this alleged item, specifically the contract with me and your company SEQUIUM, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. 
Please delete this misleading information and supply a corrected credit profile to all consumer reporting agencies who have received a copy within the last six months, Pursuant to 15 USC 1692c ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with through any and all mediums.

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX XXXXXXXX XXXX out the balance on this account Deletion from all consumer reports. 

Best Regards XXXX XXXX XXXX
Consumer complaint received 2022-12-02
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 

XXXX XXXX XXXX Balance {$47000.00} XXXX XXXX XXXXXXXX XXXX Balance {$18000.00} XXXX XXXX  XXXX XXXX Balance {$9400.00} XXXX XXXX XXXX Balance {$400.00}
Consumer complaint received 2022-03-25
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO. (MD)

Around XXXX 2019, I contacted collection agency XXXX, XXXX and XXXX PA to settle the Ford Motor credit acct and I was told by their representative that when I paid the {$10000.00} that they would delete this account from the three credit reporting agencies ( XXXX, XXXX and XXXX ) and the original lender Ford. Also, I was told that if I didn't pay they would garnish my wages and income taxes.

However, when I reviewed my credit report I noticed that Ford Credit act # XXXX is still reporting on my credit report after paying the {$10000.00} as instructed. Secondly, based on the agreement with their representative I'm respectively requesting that they honor the agreement and delete this account from all three credit bureaus and have the original lender delete the account. I would have not paid the account off if not assured that they would honor it.
Consumer complaint received 2021-08-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (FL)

I am appalled at this debt collection post card I received at the beginning of XXXX from FIRST FEDERAL CREDIT CONTROL , INC . The alleged debt that they claim I owe was already paid upon arrival at my doctors appointment last year, XXXX its ridiculous that I receive something like this in the mail with everything going on today. You would think theyd have a little empathy. I have never agreed to do business or agree to any contract with FEDERAL CREDIT CONTROL , INC. Ive never given them any of my not only private, but also personal information. This is exploitation Theyve violated multiple USC codes with the letter as I exhibited it and made notes with disputes and have sent it back to them. I AM A CONSUMER. I have every right to point out that according to 15 USC 1692d, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. They have threatened to report me, a natural living person, to a national credit bureau if supposed debts are unpaid. According to 15 USC 1692e a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. According to subchapter 5 of 1692e they did exactly that. Theyve plastered their logos all over the invoice which is yet, another violation. I refuse to allow such abuse and mistreatment from a fraudulent company like this one. I am looking forward to their response wthin 30 days from the date XX/XX/XXXX.
Consumer complaint received 2021-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I had a credit card with XXXX  XXXX XXXX  and XXXX XXXX XXXX bought my debt contacted me and I paid them in full with the agreement of deleting it off of my credit report and it is still on there I would like it removed. It is no longer on my XXXX  but it is still being reported on XXXX  and TransUnion with a balance of XXXX when it has been paid.
Consumer complaint received 2022-03-25
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. (VA)

I spoke with TransUnion and they keep saying they verified a bankruptcy in my name with the courts. I have a letter from the courts stating that they do not communicate with credit reporting agencies. So TransUnion is lying about verifying the bankruptcy that they are reporting. I have tried to dispute this with them several times and provided the court letter which they verified that they do have, but they still will not remove the inaccurate bankruptcy from my credit report. This situation is causing me a great amount of stress. It is illegal for them to so this. I am again, attaching the letter I received from the court for TransUnion to review and remove the bankruptcy. This letter proves that they lied about who they verified my bankruptcy with, therefore the bankruptcy must be removed. Also, I would like the name of the person and company that they are claiming they verified this bankruptcy with. It is my right to request and for Transition to provide proof under the FCRA provisions 609 and 611.
Consumer complaint received 2018-07-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (MO)

I terminated my services with XXXX XXXX XXXX on XX/XX/XXXX and I owed them {$370.00}. They continued to charge me and send me a bill for XX/XX/XXXX and XX/XX/XXXX and when I contacted them and told them I terminated my services on XX/XX/XXXX they said sorry XXXX XXXX you are correct we will straighten the final bill out. But they didn't they kept sending me a bill for XXXX.After that they send it to a collection agency and I tell them that's the wrong amount and dispute it in writing But XXXX XXXX XXXX   comes back with the same amount. So I contact XXXX XXXX XXXX by phone twice the last time being XX/XX/XXXX and I talked to XXXX and she said the correct amount was {$370.00} and that she would talk to her manager and get her to sign off on the right amount and send it in the mail to me. They never sent the paper work, I've disputed this bill twice and with no resolve. I tell the collectors I agree to pay what I owe but not when it's the wrong amount and each time I dispute the claim the company don't respond back to me within 30 days. I feel this should be removed off my credit report because they are not reporting the true amount and not responding like the should. I have no trouble paying the correct amount when they give it to me in writing but I truly believe it also should be removed from my credit report. Thank you.
Consumer complaint received 2021-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : XXXX XXXX
Consumer complaint received 2021-11-18
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. (FL)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX CARD-Date of inquiry XX/XX/XXXX PREMIUM-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2021-11-18
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. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021