davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (NC)

On XXXX XXXX some XXXX had applied for XXXX credit cards under my name without my consent, Bank XXXX XXXX XXXX XXXX, Citibank XXXX I do not acknowledge any debts, Im a victim I want everything to be deleted. Thank you!
Consumer complaint received 2022-07-06
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: Paypal Holdings, Inc (TX)

On XXXX, XXXX I purchased what was advertised as a **Brand New In Box** XXXX XXXX  Programmable Thermidistat that was advertised on XXXX. It cost {$460.00} + {$10.00} shipping + {$39.00} tax for a total of {$520.00}. The merchant is XXXX XXXX, XXXX. The purchase was made using my XXXX XXXX XXXX via Paypal. When I received the item on XXXX XXXX, XXXX it was in a XXXX shipping box ( not the original box ) wrapped in bubble wrap, clearly was a used thermidistat and was missing a part. I immediately emailed XXXX XXXX asking him to address the issues. He offered to send me the missing part, refund me if I returned it or he had a different brand, brand new in the box. At this point I had no desire to continue to do business with a dishonest merchant so I elected to return it. Reluctantly, per his request on XXXX XXXX, XXXX ( I waited until after the XXXX rush ) I paid another {$8.00} to have the used item shipped back to him. The {$8.00} included a tracking number and up to {$50.00} insurance but the claim has to be filed within 120 days so that time has passed to even file a claim with XXXX. Now the tracking number has also be archived so it can no longer be tracked. I didn't take out any extra insurance because this purchase clearly falls under Paypal 's Consumer Protection Policy considering he advertised a new item and sent me a used item. Unfortunately, according to the XXXX tracking number it was never delivered to him. After waiting a reasonable amount of time for it to be delivered, I opened a dispute with Paypal. After getting the run arounds with Paypal ( they were waiting for the item to be delivered ) I had no choice but to open a dispute with XXXX on XXXX XXXX, XXXX to keep from having to pay the {$520.00} charge. I have had to reopen the dispute several times with XXXX because they keep resolving the case in the merchant 's favor and apparently Paypal responds back that it is a valid charge which is is NOT! Paypal will no longer talk to me about it since I opened a dispute with XXXX. The final dispute has been closed with XXXX and they are still siding with the dishonest merchant!
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (CA)

On XX/XX/XXXX I filed a complaint with CFPB case # XXXX regarding Lexis Nexis reporting false information to the three credit bureaus about a chapter XXXX bankruptcy they say I had in XXXX. This incorrect reporting has resulted in my credit being damaged, and has prevented me from being able to purchase a home. 

On XX/XX/XXXX Lexis Nexis responded to the complaint stating after re-investigation they had removed the chapter XXXX bankruptcy case number XXXX satisfying there obligation under the FCRA. They go on to say that on XX/XX/XXXX, a resolution letter along with an updated copy of my consumer report was mailed to me for review. 

On XX/XX/XXXX I received the resolution letter ( see attached ) in the letter Lexis Nexis states after re-investigation, Lexis Nexis found that the disputed record on my report prepared by Lexis Nexis XXXX XXXX XXXX XXXX is accurate as reported. In addition to this they never provided an updated consumer report. 

I need to have this investigation re opened. Lexis Nexis is not only in violation of Federal Law which clearly states that an individual can not file chapter XXXX twice within 8 years. I filed in XXXX, therefore according to law I can not have filed again in XXXX. In addition to it being the law, I also provided a letter from the XXXX bankruptcy court that clearly stated I could not file chapter XXXX because it is within 8 years. 

I am perplexed at how a company like Lexis Nexis can get away with direct violations of Federal and State Laws and still be allowed to continue in business. My next complaint is going directly to an attorney to file a civil suit against them with regards to the damage to my credit.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (LA)

I've been disputing my credit file with the 3 credit reporting agencies XXXX XXXX and Equifax to correct the inaccuracies found on my credit file. The 3 credit reporting agencies have received my certified letters and have not corrected the inaccurate accounts. The inaccurate accounts has either not been investigated, no notice of dispute recorded, verified but still reports inaccurately, duplicate collection accounts, Re-Aged accounts, Open accounts Payment data history does not coincide on any accounts, Revolving accounts creditor remarks reports amount in H/C column is credit limit. Revolving accounts high balance does not coincide. Last payment does not coincide, Equifax does not report my monthly payments made in the historical payment data history on any of my accounts, Inorrect Personal Information reporting Wrong social security number reporting. This type of recording is negative and damaging to my credit score and report and is in violation.
Consumer complaint received 2019-08-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Advance America, Cash Advance Centers, Inc. (OR)

XXXX today i was contacted from a someone who serves document for suing and being taken to court. i was given a phone number and a case number from this individual over the phone. 
i had called the phone number given at XXXX XXXX. 
i had proceeded to contact this company and listen to what they had to say. i had explained to them that this debt is not a valid debt as i have been in contact with company i had gotten the loan from. after about 3-5 minutes of explaining. she had put me on hold and talked to her supervisor and told me that this is valid. she said that i would have to look at the documents to get the information from. i was told that someone had stopped by yesterday XX/XX/XXXX and there was no answer from the door and that someone will be out again today XX/XX/XXXX. she couldn't tell me the amount that was supposedly owed. as i had gotten the name of the company and i had talked to them months before and now they are changing there tactics. i had asked for them to please stop calling and that i will be blocking this phone number. this time was a different phone number not a robo caller but i did get a live person and i haven't in the past they had answered right away i had tried multiple times in the past for them to call the loan company and i was told this is not my job from a/the supervisor. 
XXXX i had called the original company where this was all started. I had talked to someone in the front office as they called it. i had talked to them for about 10 minutes at this point. she had transfered me to the back office i had talked to another individual. she pulled up my account and had confirmed as well that this debt is not a valid debt. she is sending me a screen shot of the debt not being owed and that it is no longer valid along with the collections agencies that have been reporting to them. she had also told me that this was done back in the year XX/XX/XXXX from a washington location. i am still waiting for the this to be emailed to me at this time.
Consumer complaint received 2022-07-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions (TX)

Rent Recovery Solutions at 1945 XXXX XXXX XXXX XXXX XXXX, GA XXXX has been sending me collections notices in the amount of {$6900.00}. The collection has been reported as pasted due balance. I do not know this company I have never done any business with this company this company does not have a contact with my signature.
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Tromberg, Morris & Parnters, PLLC (NY)

Please help me. My employer informed me today that they received an EMAIL from an attorney 's office for a judgement creditor named XXXX XXXX, XXXX. In the letter, was my complete social security number that ( by way of that email ) went to several persons within my company. 

I am completely embarrassed that this went to several persons in upper management and I feel that his has caused harm to my reputation. I did read about the XXXX XXXX XXXX XXXX and I feel that my rights have been violated. in that first ; they sent this to my employer, second ; they released my entire social security number to many individuals and third ; they have tarnished my reputation with a company that I have been employed with for 23 years. 
I have attached the letter that was emailed to my employer, but I hid my SS #. 
What recourse do I have? 

Thank you, XXXX XXXX
Consumer complaint received 2019-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MI)

I submitted information to update my REPAYE with Fedloan in XXXX of XXXX for the XXXX year. XXXX took months to complete the review and during that time my account was put in forbearance and interest accrued significantly ( nearly $ 6k ). My income has drastically decreased from the XXXX to XXXX  year ( I am currently starting a business and have no income ) and my payments actually went up from the previous year. I called every week to check in on the status of my account and was assured that there was nothing I could do to speed up the process/have the interest taken care of. Long story short, my student loan has increased $ XXXX in interest due to the extremely slow paperwork review process at Fedloan. I consolidated with this company in XXXX and my loan has actually increased by nearly $ 25k ( to $ XXXX ) since that time. I have pleaded and pleaded with this company to help me have the loan decreased or forgiven but have received absolutely no help from them in this regard, besides being advised to be put in a repayment program where the interest keeps accruing despite my on time payments. In this situation, I will never get on top of the loan and it will continue to increase despite on time payments.
Consumer complaint received 2021-03-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (FL)

In my credit report they see 2 credit cards with this company because I was a victim of identity theft and they opened 2 accounts with them and with different companies. I have sent them on several occasions a police report and different documents to prove to the company that it was not me who opened these accounts, but they investigated and determined that one of the accounts was opened fraudulently and the other they began to charge me for middle of the court. I have asked them to validate if the address and all the information that appears in this account is the same as the account that they deleted me because none of the 2 accounts belong to me and they tell me that they do not know how it was valid because that is a department apart and that they do not outline. 

This was the letter I sent to the company today. 


I am writing this letter because I received a letter from the court where I was summoned for an account that appears under my name with you, this account and another account that appears in my credit report was disputed more than a month ago because I was a victim of theft of identity and this and other accounts were opened under my name. One of the accounts I had with you that ends XXXX was investigated and deleted because it did not belong to me either. I need this account to be investigated again and stop any type of collection through the courts because I have evidence which was sent to you a month ago certifying that I was a victim of identity theft and these accounts do not belong to me. I need you to validate all the information you have about this account, such as my driver 's licenses, social security and any document from which these cards were received when they were opened. I will be sending the police report and all the documents that I send so that this investigation can be opened and investigated in a fair manner. How is it possible that one of the accounts you delete because it does not belong to me and the other not because you believe it belongs to me. I will be filing a complaint with the Consumer Financial Bureau to ask them to investigate you because you are not complying with federal fair credit laws.
Consumer complaint received 2022-12-16
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I sent out a credit repair letter to Transunion on XX/XX/2022. The letter stated that Transunion went against my rights and I put inside the letter that they would send me this exact letter about me using a credit reporting agency, in fact, no law states that I am not able to use a credit reporting agency I provided TransUnion with the following statement below in my letters and they sent me back the attached mail. This is no excuse not to process my documents and I demand they dispute the items that I listed within 30 days or immediately take the disputed items off my credit report.

" I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. ''
Consumer complaint received 2019-08-01
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION (FL)

Mrs. XXXX XXXX, License MLO # XXXX from XXXX XXXX  was the Mortgage Loan Originator for the purchase of my home on XX/XX/2014. 

I didn't have previous experience in the purchase of a home and I entrusted Mrs. XXXX to handle all the documentation for the transaction. 

In her eagerness to close the loan and benefit herself with the commission, Mrs. XXXX offered me the First Time Home Buyer Assistance Program from the Florida Bond. She stated that the could " give '' me {$10000.00} towards down payment and closing costs and that, if I lived the home for 5 years, that debt would be pardoned/waived. 

Of course, it sounded great to me since I am a single mom, going through a separation and a rough financial time, so I took the course, got my certificate and received the assistance. 

5 years will be on XXXX, and I am in the urgent need of buying a second home for my relatives using the equity on my home, so I started contacting the bank who owns my loan now and asking about those $ XXXX, they said that the information received from the Loan Originator, Mrs. XXXX at the time is inaccurate and not true. they said that it was processed as a second mortgage and it would have to be repaid not matter what is done with the property, sale or refinance. 

When I received this information from the bank, I immediately contacted Mrs. XXXX to ask her about this and she admitted that she didn't looked for the accurate information and just told me what she thought it was. 

With this circumstance, I am not able to purchase another property for my family as I so much need since I am XXXX short to be able to buy them a decent home. 

I hold Mrs. XXXX accountable for her mistake of providing me with deceitful and misleading information to use for her convenience, close the loan so she could profit from it. 

I feel that Mrs. XXXX took advantage of my inexperience & circumstances at the time and abused my trust in her to profit herself from it, leaving me with an unexpected and obviously unwanted debt.
Consumer complaint received 2022-07-06
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (LA)

Pacific Union Financial is reporting 4 late pays on my credit reports. I have disputed this erroneous information with the 3 major credit bureaus. Every time it comes back the same, unchanged, as reported I have sent bank statements proving that the payments were not late but they will not change their reporting. the late pay dates are, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX. I have asked for deletion but they have ignored my request.
Consumer complaint received 2018-07-04
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. (TX)

I have disputed several fraudulent accounts, names and addresses associated with my Equifax credit report the last year and Equifax has failed to remove them. 

I have sent certified mail, faxed as well as called and spoke with a live representative over the phone to no avail. 

3 addresses still show on my credit report that does not belong to me. 4 fraudulent accounts still remain even after sending police report, IC3 report, and FTC Fraud report. 

I am unable to review my report online or dispute items using the online route due to the verification questions asking questions unrelated to my real identity due to the fraudulent accounts and addresses. Due to this, I have to mail in my disputes which takes longer than normal. I have faxed in my ID card and SSN more than a few occasions yet Equifax are continuing to display a mispelled name on my credit report!
Consumer complaint received 2022-10-08
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. (FL)

I have sent letters to you requesting that you remove inaccurate, incomplete or unverifiable accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests. Be advised that I am considering filing a complaint with the FTC due to your noncompliance with the FCRA. 

I have kept all records of my communications with you, including the letters I have sent, proof of your receipt of the letters, and evidence of your noncompliance. It has been over 45 days since your receipt of my original request to investigate the remove the following accounts, and you have failed to comply with the FCRA. 

In good faith, I ask that you please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts : I ask that you remove the following unauthorized inquiries that remains on my credit report. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I also request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within XXXX business days after the completion of the reinvestigation.I DO NOT CONSENT TO E-OSCAR FOR VERIFICATION.
Consumer complaint received 2019-08-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: State Collection Service, Inc. (DE)

On XX/XX/2019 I received a notice of collection from State Collection Services ;  located at XXXX XXXX XXXX XXXX, WI XXXX. I sent a letter on XX/XX/2019 notifying them that the debt is in dispute and to cease collection efforts, until the debt is validated. It is my belief that the collection company has illegally continued to collect on a debt which has not been verified, after they received a notice to cease collection. This has been done by putting it on my credit report, thereby damaging my credit and potentially forcing me to pay it off in order to receive a loan from future lenders. This company has broken the law by not providing a verified debt to collect upon after they have been informed to cease their collection efforts.
Consumer complaint received 2021-04-15
Product: Credit card or prepaid card — Store credit card
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. (CO)

I have had a credit with home depo CBNA for over four years with no late payments. Back in early 2020 i paid this account off but would still get email msg stating that a payment would be charged to my banking account because it was set on autopay. I called in to turn auto pay off. After this recent virus experience i noticed some of my credit cards where being reduced in credit due to inactivity. So i charged {$36.00} at home depo to show activity but i assumed my autopay was still on. After i received notice that i was charge a late payment i called home depo to explain what happened and asked for forgiveness due to oversight and to review my account to verify i was in perfect payment status. To no prevail they have repeatedly denied my request and feel this is being unreasonalable. Please help with this matter, simple mistake