davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America has determined to retire the credits of {$540.00} and {$140.00} they gave me for a claim I did due to some fraudulent transactions I saw on my account, based on a none trustable prove that is completely absurd, saying that decision was made because ( Ive been before on one of the places where the fraud was committed ), and of course Ive been there and who hasnt because they are very famous places to visit here on my city, XXXX everybody has visit those place before wish os a completely absurd excuses. I want everybody to know whats happening here that Bank of America is a bank institution that doesnt protect their client against these type of events wish is a terrible problem now these days where millions of people are victim of identity theft .also Im letting you know that Ill do everything on my power to let everybody know about my case on every social network and my friend circle who most of them have Bank of America account, and trust me they wont be happy at all with what you guy did to me
Consumer complaint received 2021-04-28
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. (IL)

Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION. 
I have not supplied proof under doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefor any such debt, in fact exists Please remove all fraudulent accounts as I have no knowledge of them. Due to the XXXX  data/identity theft breach my identity was compromised. According to FCRA 605B this information must be blocked immediately until investigation is over.
Consumer complaint received 2019-11-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

Account # XXXX I recently filed a complaint about me not receiving credit toward PSLF due to being in Chapter XXXX bankruptcy. My FedLoan is in bankruptcy status even though my student loans was not included in the filing of the bankruptcy. 

The response I received from my previous complaint stated " Because you previously stated that your Direct Consolidation Loan should not have been included in the bankruptcy process, we are responding to your concerns, in general, until the documentation required to end the status is received. " I provided documentation XX/XX/2019. I uploaded the document in the drop box of FedLoan. I am going to attach it to this complaint as well as a screen shot from the trustee website.
Consumer complaint received 2019-11-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (GA)

Last reported to Equifax on XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX ( 1 yr ) Original Creditor Name : XXXX XXXX {$200.00} I've never had this account. 

Last reported to Equifax on XX/XX/XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ( 1 yr, 10  mos ) Original Creditor Name : XXXX  Balance : {$6800.00} INQUIRIES XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions I ask for proof of contracts, accounting history, taxes returns showing that I owe this.
Consumer complaint received 2019-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NY)

I am writing this letter in the hopes that you will help me with this unfair and overwhelming Situation that I find myself in. I believe now that these original credit card balance was paid off I have been paying this Citibank credit card, original account # XXXX since XX/XX/XXXX. Almost 10 years later. Citibank still want to keep charging the same amount by Citibank was illegal and violated my rights as a consumer & my civil rights. I will list Below some of the issues and facts that are the most obvious and reference which laws were violated By them. 1. Predatory credit card Lending : 1 a. Flipping and charging interest so my balance never go down and still the same over 10 years : The practice of encouraging customers to frequently refinance balances and loans solely for the purpose of earning loan-related fees : 1 loan and balance 2 flipped loans and balance with fees and very high interest rollovers. On XX/XX/XXXX,  XX/XX/XXXX and XX/XX/XXXX. 1 b. Risky loan terms and structures : The practice of making loans with terms or structures that make it more difficult or impossible for borrowers to reduce their indebtedness. Citibank Cycle of Debt : Citibank used illegal debt collection tactics to create a false sense of urgency to lure overdue borrowers into debt traps. They would encourage overdue borrowers to temporarily pay off their loans and then quickly re-borrow from them again. Even after conveying to them that I could not afford to repay the balance, Citibank would continue to pressure me into taking on more debt only making me paying mimimun balances for 10 years but the balance never goes down. I would pay new fees each time they took out another balaance from them. I am sure you will find that Citibank created a false sense of urgency to get delinquent borrowers to take out more balances in the credit card is abusive. Abusive Acts or Practices : Section 1031 ( d ) ( 2 ) ( B ) of the CFPA ifit takes " unreasonable advantage of ... the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or Service. '' 12 U.S.C. 553 l ( d ) ( 2 ) ( B ). Citibank has engaged in unfair, deceptive, and abusive practices in connection with its collection of credit card loans in violation of the Consumer Financial Protection Act of2010 ( CFPA ), 12 U.S.C. 5531 ( a ) and 5536 ( a ) ( l ) ( B ). Citibank want to transfer that to debt collector company Cavalry the amount of {$10000.00}. Citibank balance account a total of {$10000.00} after paying for 10 years minimum of {$150.00} payments, it never went down and I paid back to Citibank around {$18000.00} in 10 years, almost {$10000.00} more! and they want other {$10000.00} more!
Consumer complaint received 2019-02-21
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: EQUIFAX, INC. (TN)

I have asked Equifax to provide proof that XXXX XXXX XXXX XXXX show proof that i am responsible for the debt that they have listed on my Equifax report. I have asked Equifax and the XXXX XXXX to provide a Copy of a id or SS Card. They have not complied with my request. Even tho i have asked numerous times.Please help me in this matter.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I received a notification from my credit report that I owed a collection bill to ARS. I was not sure who this was or what it was for. After doing research I contacted ARS and they advised that they are a collection agency for XXXX XXXX XXXX and this was for a hospital bill. I advised that I had not received notification of this and would like to know more information because to my knowledge I did not owe this amount. The person became rude so I asked that she provide me the information for me to provide to my attorney to review before I proceeded with anything. At this time I was told to have the attorney contact them and hung up on. I then contacted back and was again told that they could not speak with me if I had an attorney, I advised that I never said that I had obtained representation, I stated that I was going to ask that my attorney review the information reported for advise. I then asked the representative I was now speaking with if it was standard practice to hang up on a customer, i was not rude or vulgur, I just wanted to understand what something is not that is now affecting my credit for such a minimal amount. She began to advise me that they can not speak with someone if they have an attorney, I again asked if it was practice to hang up on someone. I have gotten no where with this company, I still do not know what I am paying for. I want documentation on what I am being charged for and if that is unable to be provided I want this removed from my bureaus.
Consumer complaint received 2021-07-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (AR)

My account is being reported as 30 days late from XXXX in XXXX from a bank error. This issue was raised back in XXXX when the inaccurate data first showed up on my report and was corrected. Recently the account has been reported 30 days late from that same time in XXXX of XXXX. I call to correct this error and it is temporarily corrected until the next statement cycle occurs. 

The previous CFPB Case number : XXXX Company Response : Dear Mr. XXXX : We are in receipt of your correspondence to the Consumer Financial Protection Bureau regarding your Fortiva Credit Card account. Thank you for the opportunity to respond. On XX/XX/XXXX, our records indicate that you spoke to MrXXXX XXXX regarding the concerns you were having related to the billing of account maintenance fees that caused your account to go past due. As a courtesy, Mr. XXXX advised that we have waived a late fee in the amount of {$10.00} and we have advised the credit bureaus to show your account as never past due. As a reminder, pursuant to the terms of your Cardholder Agreement, an account maintenance fee is billed to your Account each month as long as your Account is open, or you have an outstanding balance. Sincerely, XXXX XXXX On behalf of Fortiva Credit Card* *XXXX XXXX XXXX XXXX is the creditor of the Fortiva Credit Card account XXXX 

I also have attached a screenshot of my current credit reporting from FORTIVA and pulled my Tri-Bureau report from Q4 of XXXX to show the change that has occurred in the reporting. I have attached a letter from FORTIVA indicating the credit file is reporting no delinquencies.
Consumer complaint received 2019-02-21
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. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : 1. XXXX/XXXX/2017
Consumer complaint received 2018-07-16
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: EQUIFAX, INC. (NY)

XXXX credit reporting agency did not remove 2 inquiries on my credit report. They were to be removed on XX/XX/18. The 2 inquiries are for XXXX XXXX XXXX XXXX. The initial inquiry was 2 years ago. I just checked the report that is current as of today XX/XX/2018
Consumer complaint received 2019-02-21
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC (PA)

This should be a very simple request but, it has been a complete nightmare. I am in the final stages of closing on a refinance loan with another loan company. I have a HUD government loan that will be forgive providing, I have not been late on the loan. 

XX/XX/2018, I requested my payment history from Ditech. Ditech has sent the printout for my payments from XXXX to present in-which, I have NOT been late. 

Here in lies the problem ... .There is a UAF / Susp field on the printout. The HUD loan processor denied the loan, thinking they are late charges. I asked Ditech to send a Verification Mortgage Letter that clearly shows that there are NOT, and has not been any late charges. The HUD loan processor needs a letter to state just that and will not except a conference call ONLY a DOCUMENTED LETTER. 

Ditech tells me we CAN NOT!! send a letter like that explaining the UAF / Susp field. We can only send the mortgage verification letter. I don't know why a letter can not and will not be created to explain that this UAF /Susp field has nothing to do with my account!!! 

I am suppose to close in 3 weeks and have been struggling to get a letter. I have called and written to corporate and still NOTHING!! I just need the letter to state I have never been late and the UAF / Susp has nothing to do with me. No one will create this letter. What company can not create a letter to explain the field. I am beyond despondent!!!!
Consumer complaint received 2019-02-21
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. (CA)

My XXXX XXXX Credit card account has late payments reported that should not be there. I contacted them and they waived the late fees but didn't correct the lates which should have never been reported on my account XXXX XXXX
Consumer complaint received 2019-02-21
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. (CA)

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Those dates are : 1. XXXX/XXXX/2017
Consumer complaint received 2017-09-14
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)

A attorney filed information in XXXX County Court for XXXX XXXX XXXX XXXX. The debt was not for me ; therefore, the judge dismissed the case. I attempted to contact XXXX in writing but the USPS was unable to delivered the letter since XX/XX/XXXX.  USPS finally " disposed '' of the letter sometimes after XX/XX/XXXX. 

I contacted Equifax in writing twice. Equifax refused to remove the XXXX information for {$920.00}. I also called Equifax and still the information was not removed. According to the FAIR AND ACCURATE CREDIT TRANSACTIONS ACT, reporting information must be accurate. Since it is not, I requested Equifax to remove the incorrect information 3 times. As of today, it has not been done. 

I am requesting that Equifax immediately remove to incorrect information from my credit report.
Consumer complaint received 2021-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

XX/XX/2021 text message from citizens bank totally a scam as I do not have an account with citizens bank. 

XXXX  CASE # XXXX : SUSPICIOUS CREDIT/DEBIT ACTIVITY VERIFY YOUR ACCOUNT IMMEDIATELY : mineXXXX  Here 's the website they are using please stop this
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2021-03-31
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)

remove incorrect info FCRA VIOLATION see attached documents XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Auto Lease Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$8600.00} Highest Balance {$0.00} Terms 42 Months
Consumer complaint received 2021-09-17
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. (FL)

I am writing you this notice as a follow up for my previous notice sent on XX/XX/XXXX to dispute the following information in my file ; fraudulent information listed on ID Theft Affidavit ( see enclosure ). 

The following items listed on my credit report are inaccurate. I am a victim of identity theft. 

I did not authorize anyone to use my name or personal information to seek the money, credit, loans, goods or services described in this report. 

I did not receive any benefit, money, goods or services as a result of the events described in this report. 

My identification documents driver 's license and social security card were stolen on XX/XX/XXXX. 

I do NOT know who used my information or identification documents to get money, credit, loans, goods or services without my knowledge or authorization.
Consumer complaint received 2021-02-10
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: WELLS FARGO & COMPANY (NJ)

Score Decrease Your FICO Score has decreased by 3 points. 

XXXX  XXXX  / Credit Card Inquiry WF CRD SVC got a copy of your XXXX  Credit Report. 

Today What happened? 
WF CRD SVC made a Bank / Credit Card Inquiry by checking your XXXX Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : XXXX  XXXX  : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( BYM ) AIL-ONLY What Now? 
If you're still searching for the perfect card, explore your matched offers and apply with confidence through XXXX. 


Not Correct? 
You are receiving this alert because your membership includes XXXX  XXXX XXXX XXXX XXXX. 

What is XXXX  XXXX XXXX XXXX XXXX? 

Close I did not apply for, nor have I ever applied for a Wells Fargo account of any kind ( credit or otherwise ), ever! 

XXXX XXXX,
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-31
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: ENOVA INTERNATIONAL, INC. (GA)

Every month I receive notifications from an email address that I dont use often in regards to a loan application that is being denied by NETCREDIT ... I have contacted them several times to inform them I am a victim of identity theft that I AM NOT APPLYING for loans but they continue to process these applications causing negative inquiries on my credit file
Consumer complaint received 2021-03-31
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: ALLIANT CREDIT UNION (FL)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX Inquired on XX/XX/2020 2020
Consumer complaint received 2021-03-31
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (NM)

I been affected by XXXX I loose my job and couldn't keep paying for an apartment XXXX XXXX send my info to the credit bureaus and don't want to assist me to lower my payments on that debt.