davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: IQOR US INC (IN)

XX/XX/XXXX charge off charge on my back stamens for XXXX I believe XX/XX/XXXX call to set up payment plane of XXXX on XXXX of every mo. Fail to take funds out They called in XXXX adv them unacceptable to pay. 

XX/XX/XXXX revived a call saying I never made payment on this account kept over taking me and they drew getting smart Advised i did make a payment. Was treated very unfair and fining miss information was told they received the account file in XX/XX/XXXX.
Consumer complaint received 2019-10-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NM)

My wages are currently being garnished from a charge off on my credit card back in XXXX. The original creditor was LVNV funding LLC, which was taken over by XXXX XXXX XXXX XXXX in XX/XX/XXXX. The original complaint was filed on XX/XX/XXXX, and my case was taken over by two judges since then. I received a letter in the mail on XX/XX/XXXX, informing me that my wages were going to be garnished from my job. The letter contained information that XXXX was notifying me that a Writ of Garnishment has been received as of XX/XX/XXXX. During the period of the two judge transfers starting on XX/XX/XXXX, no action was taken. My question is I never heard anything until just recently that the case was reopened after five years. Why am I being garnished after five years of no contact? They are wanting {$9200.00} when the last amount of charge off was {$5700.00}. I'm not sure what to do at this point. The amount of {$180.00} has been garnished from my XX/XX/XXXX paycheck. I can not afford 25 % taken from my paycheck every two weeks when I only make {$2200.00} a year.
Consumer complaint received 2021-08-11
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: EQUIFAX, INC. (IL)

OnXXXX XXXXXXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should XXXX deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2019-10-30
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. (IL)

I originally filed a compliant against Citibank, XXXX which a rep with Citibank resolved on XX/XX/2019, per the received letter. To date, they haven't removed the late, delinquency from my credit report with each bureau, per the information stated on the letter. I have contacted Citi 's customer service on several occasions, and they are not even aware of the received letter. I've reached back out to the person who was assisting via customer relations, and I haven't received a reply. I did receive the letter, after our last conversation which I appreciate ; however, the final steps haven't been taken, removal from each credit reporting agency. In addition to contacting Citibank, I've contacted each bureau. I was told, Citi would have to request for the removal, they couldn't just remove the information from my report. Please assist with the final steps, removal. Thank you.
Consumer complaint received 2017-08-09
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: United PanAm Financial Corp. (NC)

I would like validation of the credit application and signature sent to my mailing address. I do n't want any verification through any other company. I would like this removed from my Credit report if there is no valid validation.
Consumer complaint received 2020-05-08
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. (AZ)

I have requested verification According to the Fair Credit Reporting Act, To the credit bureau 3 times according to Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all account request also on the 4th letter i requested for the description of the procedures used to determine the accuracy and completeness of the disputed information, in compliance with the Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) and none of this was provided to me they only send back a letter saying is been verified.

they did not comply I have been requesting this information to them for over 6 months already and they are still reporting without verifying the accounts
Consumer complaint received 2019-10-30
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: REVERSE MORTGAGE INVESTMENT TR (OH)

I am the executor of my mothers estate who passed away XX/XX/19. We sold her home and closed on the loan XX/XX/19. She has a reverse mortgage. The bank that closed the loan has been trying to get a payoff from the reverse mortgage company since XX/XX/19. At first they told the bank it would take 5 days but when the bank contacted them again today they said it would take 10 days. Now they are going to have to request another payoff XX/XX/19 and wait another 10 days. Every day longer they take costs the estate more money. They should not be allowed to drag their feet like this.
Consumer complaint received 2020-05-08
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. (CA)

BEING A VICTIM OF IDENTITY THEFT AND AS A CONSUMER I HAVE REACHED OUT TO XXXX XXXX   XXXX AND TO THE BUREAUS TO REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I HAVE SUBMITTED MY IDENTITY THEFT AND ACTUAL STATEMENT TO PROOF MY IDENTITY AND SIGNED AFFIDAVIT NOTARIZED THAT I AM VICTIM OF AN IDENTITY THEFT. I NEED THE FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT CARD. I DON'T HAVE ANY INFORMATION ON THE THEIF OR ON THE FRAUDULENT ACCOUNT. THE ACCOUNT IS CLOSED AND IT HAS A XXXX BALANCE, I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED FROM MY CREDIT PROFILE.
Consumer complaint received 2019-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Santander Consumer USA Holdings Inc. (VA)

I have XXXX XXXX and XXXX there are over 15 inaccurate things on my credit in was XXXX  from XX/XX/XXXX, until almost XX/XX/XXXX, so all my stuff that's on those years were not me I had a fiance at the time who I knew could and would have done all kinds of stuff including spending all money in my XXXX XXXX selling my car, etc XXXX XXXX XXXX XXXX
Consumer complaint received 2017-10-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CO)

Last month I paid my dad 's XXXX TV bill over the phone with my debit card. My dad was low on cash and payment was due. Well XXXX charged his payment again ( this month ) without my authorization on XXXX XXXX. My father called to tell them the contract was in his name and they should use HIS debit card and they told him to call back the next day which was XXXX because the charge was still " pending ''. When he called back, they said tha there was nothing they could do. I tried to dispute it thru Chase Bank, telling them that I did n't authorize the 2nd charge or recurring charges. Chase wo n't do a XXXX thing. I am concerned that XXXX will charge NEXT month 's payment and Chase still wo n't do anything to stop future auto-payments. I 'm left with claiming my debit card as lost/stolen and now hate my bank.
Consumer complaint received 2022-10-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MN)

On XX/XX/XXXX of 2022, a balance transfer was completed from XXXX XXXX to Citibank on my behalf. I had the amount of {$3200.00} paid to Citibank from XXXX XXXX. The balance transfer was posted to the Citibank account before the end of the billing cycle. Unfortunately for me, Citibank is charging me {$40.00} dollars in interest on " standard purchases '', yet I haven't purchased anything with the card since the balance transfer, and the card doesn't carry a balance because the balance was paid in full. The card doesn't have an annual or monthly fee, so this amount they are charging me isn't a fee just for having the card. It's literally interest on purchases, which I should not have to pay if I had a {$0.00} balance on the card. I contacted Citibank about this on XXXX and XXXX and both times they refused to work with me in reversing the charge and insist I have to pay the {$40.00} in interest on a {$0.00} balance. I've done balance transfers in the past and never had this problem before, as long as the balance is paid in full before the end of the billing cycle and the account doesn't carry a balance into the new billing cycle. I'm so frustrated with Citibank. Their customer service is awful.
Consumer complaint received 2024-05-19
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (MI)

Lvnv Funding Inc apparently sued me after repeat harassment of my family members being called and emails non stop being sent to me to speak with them. One individual threatened my father and uncle that they were looking to sue me if I did not return their calls. Next thing I know after I got my tax return for state, I was being garnished and my tax return was taken for it. I recieved no notification from the treasury nor the company about the garnishment. I only found out by having to call the Michigan treasury about why I was being garnished after going online to verify where my tax return was at. I don't even know what Court house to go through since I have nothing to figure out about it to challenge it.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (AL)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

FCRA and FTC Violation ... I have contacted Experian on two separte instances by certified mail ( XX/XX/XXXX and XX/XX/XXXX ) requesting their investigations into these two collection account that appears on my credit report ( XXXX XXXX XXXX XXXX Acct XXXX XXXX & XXXX XXXX XXXX  Acct XXXX XXXX. I have requested full validation of these two accounts and asked Experian to show my signature on the account. As of today I have not received anything back from the credit bureau. Since it has been more than 90 days of my request for validation of the collections, I am demanding the removal of these two collections from my report by Experian.
Consumer complaint received 2020-09-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp (VA)

Bottom line, I am requesting your assistance ( 1 ) correcting this company 's current billing ; and ( 2 ) directing this company to make updates to my credit report as the information reported is inaccurate. 

Between XX/XX/2020 - XX/XX/2020, on a monthly amount of {$1000.00}, I owed this company {$8400.00} ( excluding any penalties from past due amounts/reversed payments ). 

During the period above, I paid the company {$9200.00}, which is approximately {$820.00} over what would ordinarily be due on a regular monthly cycle. Despite 17 payments over 8 months, the company has reported to the credit bureaus ( 1 ) that I have been at least 30 days late on my payment, and ( 2 ) created an image of a less than stellar payment history. I acknowledge on six instances, one or more payments were reversed ; however, 50 % of those reversals were borne from Lending Club not honoring my request to stop its ACH payments, in writing as required by its policy. This led my bank ( XXXX ) to place a block on any payments from this lender. The company has FAILED to compare the past eight months against a long and stellar payment history, which again, began after the company refused to follow its process and stopping any ACH payments. 

Additionally, I have also called the company 's attention to a plethora of erroneous notices that I have received, indicating that my monthly payment of more than {$3000.00} ( which is $ XXXX above my monthly amount ). I recently provided proof that its system was not processing payments online, although the 17 payments alone likely render any past due or payments owed, not required ; yet, the company continues its troubling practices. 

Finally, it is unclear to me, due to the litany of billing, processing, and payment errors ; this company has committed, how much I owe this company. Despite receiving thousands in payments this year, the balance appears to decrease, incidentally. Furthermore, the company 's slow processing/handling of non-Lending Club institutions ' payments is very disturbing. When processed via the company 's website, payments are processed within 48 hours ; however, when payments are processed via external institutions, payments have taken up to seven days, which exposes consumers to considerable and avoidable financial risks, particularly given this company 's billing errors.
Consumer complaint received 2021-11-26
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It appears that information on my report is being reported inaccurately. I have 19 accounts on my report in good standing and all over a year old. I paid off my car loan with XXXX XXXX XXXX, and it is no longer being reported on my report, yet there are nine paid accounts shown as potentially negative. It appears there is one collection account that I have disputed. I certainly do not understand the credit scoring process as it relates to my credit report. It seems that I am not receiving the correct scoring that should be a much higher score. I have been in good standing for over three years or more, and my score is fair. I don't have a lot of inquiries. I explain to the agency the information that I have can verify something on my report is inaccurate, and they still don't update the information correctly. Yet, they take the word of the creditor. It appears to me that there is a slight bias going on here. I do not like to call the race card, but I am concerned when I look at my report and have never been late, and I prove it, and it still isn't removed. Enough is enough. I am demanding that this matter be resolved immediately.
Consumer complaint received 2021-08-11
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: Resurgent Capital Services L.P. (NY)

To Whom This May Concern, This my second reaching out to these company 's through your Company .Both of the accounts have been deemed closed by your Company. I demand for the company 's to reach out to the credit bureaus on removing the Closed accounts and updating my credit report.
Consumer complaint received 2023-02-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (OH)

The mortgage servicing company " Shellpoint Mortgage '' did not pay the XXXXoperty taxes for one of the rental properties last year. After receiving the delinquency notice from the county in XXXX XXXX XXXX I paid the taxes out of the business account and notified the company of their error. They have still not reimbursed me for the tax payment 4 months later. They also overcollected and overpaid the property insurance bill on XX/XX/XXXX XXXX XXXX. 
They should have collected and paid {$3700.00} but instead they collected and paid {$11000.00}. The insurance company already issued a refund to Shellpoint and although I requested an escrow review and refund for the overage of {$7500.00} I have yet to receive anything.
Consumer complaint received 2023-01-30
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)

This is my numerous request that you delete this inaccurate information. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

They keep putting names that I do not go by on my credit file and let people pull my report with names that are not mine they are to remove the name that i do not go by or be sued for false information contain in my credit file the report is to have accurate information the names are not accurate remove the names at once
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ACIMA CREDIT, LLC (GA)

I disputed the account with Acima on XXXX or XXXX occassions. The information came back verified but updated. The information on my credit report is still incorrect. The account is reading ccount charged off. {$14000.00} written off. {$4500.00} past due as of XX/XX/2024. I was never notified the account was ever in collections, or that they were charging it off. When I contacted Acima I was told the past due was only XXXX and that I can make the payment in the month of XXXX. I disputed the information, but Acima keeps reporting this incorrect past due amount.
Consumer complaint received 2022-10-07
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: Experian Information Solutions Inc. (MI)

In accordance with the fair credit reporting act XXXX account : XXXX XXXX : XXXX has violated my rights. 

15 U.S.C. 1681 section 602a states I have the right to privacy.

15 U.S.C. section604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-08-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (IL)

On Tuesday, XX/XX/2021 monies from Illinois unemployment that was scheduled to post into my bank account was instead transfered into a Wells Fargo account. I have never banked with this banking institution, so I am confused as to why a deposit with my name can go into an account that does not have my name on it.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-19
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. (IL)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX   XXXX {$320.00} XXXX XXXX XXXX XXXX {$150.00} US DEPT ED XXXX {$1500.00} XXXX XXXX XXXX {$430.00}