davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC. (MA)

In XX/XX/XXXX, I was the victim of credit card fraud. Two large, fraudulent purchases were made on my XXXX XXXX XXXX Credit Card, issued by XXXX. As soon as I noticed the charges on my credit card account, I immediately called XXXX fraud department to dispute the charge and cancel my credit card so that no additional fraudulent purchases could be made. 

One of the purchases was for {$840.00}, and was made on XXXX. XXXX 's fraud department subsequently conducted an investigation into this claim, and notified me that because the charge was made fraudulently, the charge had been permanently removed from my account. 

On XX/XX/XXXX I received a letter in the mail from the debt collections company Caine & Weiner, claiming that I owed {$840.00} to XXXX XXXX XXXX XXXX After receiving the letter from Caine & Weiner , I called XXXX security department, who informed me that they had received no communication from XXXX XXXX or from Caine & Weiner regarding this issue. They said that if the company ( XXXX XXXX ) wished to collect on a fraudulent charge, they needed to contact the bank that had withdrawn the payment ( XXXX, the issuer of the credit card ). 

On XX/XX/XXXX I wrote a letter to Caine & Weiner notifying them that I was disputing their claim that I owed this debt, and instructing them to communicate directly with XXXX if they or XXXX XXXX wanted to continue to pursue this collection. 

On XX/XX/XXXX I sent a signed copy of this letter to Caine & Weiner via certified mail. I received notification that it was available for pickup at the XXXX XXXX on XX/XX/XXXX, and was delivered on XX/XX/XXXX. After XX/XX/XXXX, I did not receive any more communications from Caine & Weiner or XXXX XXXX until XX/XX/XXXX. 

On XX/XX/XXXX I received an email from XXXX confirming that they had completed their Fraud investigation and that they had permanently removed the charge from my account because it was a fraud charge. 

On XX/XX/XXXX, I received another letter from Caine & Weiner about the debt, asking again that I submit payment. They have clearly ignored my previous letter, since they have still not contacted XXXX. This is a bad faith effort to collect, and now constitutes harassment. They are trying to scare and harass me into paying a debt that I do not owe. If they want to collect on this fraudulent charge, they need to pursue that with the bank that withdrew the payment ( XXXX ) and not with me.
Consumer complaint received 2021-01-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX  and Experian are reporting the same account furnish by Dept ED/ XXXX with two different account numbers, there can only be one. The payment history is incorrect and confusing, it shows 90 and 120 day lates following a made payment. Experian is reporting 120 day late for XX/XX/XXXX and XX/XX/XXXX, but XXXX is not. This information must be the same. The payment status field is reporting different. This account has been verified as accurate when it is not.
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

XXXX keeps reporting discover card and acceptance now and not updating my name and current address. Trans union is also doing the same with other account that are old and incorrect personal information being reported and XXXX as is not updating fast enough and my identity was involved in the breach that they were sued for where my information was sold and given to the dark web by them. I am a victim of identity theft.
Consumer complaint received 2020-11-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I noticed that this company has been reporting inaccurate items on my credit report that are negatively impacting me. I reached out to these companies over 60 days ago and still haven't gotten my issues resolved nor have I even got a response. I attached the letters and documentation to verify my identity for confirmation
Consumer complaint received 2017-09-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have contacted Capital One and I am having issues making and getting credit for payments. On XXXX occasions Capital One has stated that my payment did not go through when in fact I have read my baking information XXXX times. My bank had indicated that my payment did go through last month, which is the month of XXXX. 
I recently contacted customer service and tried to make a payment with my XXXX card. 
Customer service is providing me with a hard time trying to take my payment and will not wave late fees due to their error that I would need to speak with a supervisor. 
I have to waited hours on end to speak with a supervisor with the reason being that both hurricane XXXX and XXXX has impacted Capital One 's business. 
If this is the case, then my late charges should be waved, if Capital one is making errors due to this impact, and is short staffed.
Consumer complaint received 2019-11-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

On XX/XX/19 received an alert that a possible fraudulent charge of {$85.00} had been made to my checking account. Contacted financial institution to make them aware that I did not use my card at said merchant or give anyone permission to use my account in the amount of {$85.00} and that I had had my card the entire time. 
A dispute was opened by my financial institution for this charge/amount on XX/XX/19. Payment was pending until XX/XX/19 and the bank stated they were unable to do anything while payment is pending. {$85.00} was officially taken out of my account on XX/XX/19. I again contacted my bank concerning not having access to my funds, to which they told me that it would be an additional 4 days until a reimbursement could be made to my account. As of XX/XX/19, no reimbursement has been made to my checking account, preventing me from paying any necessary bills.
Consumer complaint received 2019-11-12
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. (CT)

I've contacted Equifax about fraudulent inquiries on my report. Edid not remove the inquiries. I have an active fraud alert on my account and disputed fraudulent addresses on my credit report.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (MI)

To XXXX XXXX. I am writing this inquiry to dispute account with XXXX XXXX that is being report on my credit report as delinquent. The account involves a vehicle that was leased, and I was the co-signer. I do not refute being a co-signer on the lease and bear responsibility for the contract. My issue is Im being held responsible for a situation that I had no knowledge was occurring, and I was never notified by XXXX XXXX the account was delinquent. I have now learned the following information from contacting XXXX XXXX. During the lease period the borrower developed a pattern of delinquent payments. While this was occurring XXXX XXXX at no time contacted me by letter, phone or email to notify me of the situation. By not informing me, I believe XXXX XXXX is negligent in their duty to me as a co-signer. During this time I was also a loyal customer with XXXX XXXX in good standing. The borrower turned the vehicle in early and again I was not notified by XXXX XXXX of this situation. Information provided to me from XXXX XXXX advised they and the borrower entered into a separate agreement on payment plan to satisfy the lease. Once they agreed to the new terms on the contract, which I did not agree to, I believe I should be dislodged from any obligation or consequences of the transaction. Given there is a payment plan which will compensate XXXX XXXX, my credit score is being unfairly impacted given XXXX XXXX being made whole on the transaction. To this day I have never been contacted by XXXX XXXX   about the status of this account, and did not learn about it until I attempted to apply for credit. 
I was a loyal customer to XXXX XXXX, but I believe they are acting in bad faith by negatively impacting my credit without involving me in remediation of the credit issue.
Consumer complaint received 2022-08-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (SC)

Citibank closed my savings account on XX/XX/2022, because they thought there was some kind of fraud committed. The only transaction that was done by me was to reverse two transfers from my Citibank savings back into my originating XXXX XXXX XXXX. 

After many many calls to Citibank customer service and their Fraud Department, and two detailed letters this matter is still ongoing!!!!!

ALL THIS FOR JUST REVERSING TWO TRANSFERS FROM MY SAVINGS!!
Consumer complaint received 2021-09-13
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I went to my bank to deposit a check that was given to me through a settlement and was issued in my name the administrator of the estate. When I was given the checks I was told by my attorney they could be put directly in my personal account and the estate was only mentioned because it was part of my title. At the bank the teller and the rest of the employees believed the money should go into my account instead of the estate as well. Upon calling her supervisor in front of me they told her what to do and her response was are you sure it hundreds of thousands of dollars after a side conversation and realizing what amount of money was involved the story changed to force the money into the estate
Consumer complaint received 2018-06-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION (TX)

I recently initiated an e-Check payment to my credit card company, XXXX. My bank rejected the transaction and charged me a {$38.00} NSF fee. My account balance had enough to cover the debit, though. I have attached a screenshot of my mobile banking history hereto. 

I am shopping for a new personal checking account, but I still need the {$38.00} fee they assessed to me back in the meantime.
Consumer complaint received 2020-09-09
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. (FL)

I recently conducted a review of my credit report, and I noticed that your agency showed 14 credit inquiries that I find to be problematic. 

The inquiries in question are : XX/XX/XXXX XXXX XXXX/XXXX   XXXX, XX/XX/XXXX XXXX  XXXX/XXXX,XX/XX/XXXX XXXX   XXXX/XXXX, XX/XX/XXXXXXXX  - CARD SERVICES, XX/XX/XXXX XXXX - CARD SERVICES, XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX,XX/XX/XXXX XXXX XXXX, XX/XX/XXXXXXXX  - CARD SERVICES,XX/XX/XXXX XXXX/XXXX,XX/XX/XXXX XXXX XXXX DEALER SERVICES, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX. 
I contacted all these companies, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue over 2 months to no avail. Now I'm asking you to investigate these inquiries Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 

Thanks for your prompt attention to this matter,
Consumer complaint received 2018-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

I HAVE SENT THIS COMPANY A DEBT VALIDATION LETTER ASKING THEM TO VALIDATE WITH A SIGNATURE OF MINE THAT PROVES I AM THE PERSON RESPONSIBLE FOR THIS DEBT. I AM A VICTIM OF IDENTITY THEFT AND THIS ACCOUNT WAS OPENED BY SOMEONE ELSE FRAUDULENTLY. THEY HAVE NOT SENT ME ANYTHING THAT VALIDATES I AM INDEED THE PERSON RESPONSIBLE ALL THEY KEEP DOING IS FLAGGING THIS ACCOUNT TO ALL THE CREDIT BUREAUS AND THEY HAVE NOT PROVEN THAT I AM RESPONSIBLE. THE FTC SAYS THAT I HAVE THE RIGHT TO REQUEST VALIDATION NOT VERIFICATION OF THE INFORMATION THEY HAVE. I HAVE NOT RECEIVED ANYTHING. A BILL IS NOT VALIDATION AT ALL.THEY ARE RUINING MY CREDIT
Consumer complaint received 2023-01-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-09-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have disputed a collection on my account from XXXX XXXX XXXX requesting verification of this debt..i have also submitted 3 requests through CFPB and each of those complaints came back that this collection company is not responding, i have sent certified letters to this collection agency also and never got any responses either, when i dispute with Equifax each time they just say it was verified despite me asking constantly for verification i have no knowledge or verifications of this debt, i disputed with XXXX and XXXX and they been removed it but equifax has yet to verify or provide me with anyrhing this is unfair to be being reported and despite my multiple attempts to verify i still get no responses and also when CFPB sends complaints they dont respond back to them neither
Consumer complaint received 2023-01-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In Accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2020-11-04
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: Experian Information Solutions Inc. (MS)

I am writing this due to non-compliance with XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. 

Months ago I addressed an account on my Experian Credit Report that had a XXXX/XXXX  XXXX account listed. This account in no way belongs to me. It is continuously hindering my ability to obtain credit and I need it removed immediately. The amount is {$400.00} and it says paid. I have attached XXXX  and XXXX  reports. Neither of the reports contain this XXXX account. Other than this negative remark on Experian I have exceptional credit. I am highly disappointed that it has not been corrected and frankly feel violated. This issue needs to be rectified Immediately!
Consumer complaint received 2021-04-03
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. (PA)

My grievance is DIRECTLY with XXXX XXXX reporting false information to equifax. 

I need someone to call equifax ASAP and call me at XXXX because XXXX XXXX  loan is FALSELY reporting that XXXX XXXX closed my account!!!! When in fact it is current and ACTIVE. 

Need someone to report to equifax credit bureau immediately that my account is current and not repossessed AND NOT CLOSED DOWN. Please call them and dispute. Ive attached PROOF that XXXX XXXX is falsely reporting this information to the credit bureaus. 


Info : Confirmation # is : XXXX for Equifax to fix dispute The Follow up equifax direct # to call for dispute : XXXX XXXX confirmation dispute # : XXXX
Consumer complaint received 2021-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (PA)

My grievance is DIRECTLY with ally financial reporting false information to XXXX 

I need someone to call XXXX  ASAP and call me at XXXX because ally financial loan is FALSELY reporting that ally financial closed my account!!!! When in fact it is current and ACTIVE. 

Need someone to report to XXXX  credit bureau immediately that my account is current and not repossessed AND NOT CLOSED DOWN. Please call them and dispute. Ive attached PROOF that ally financial is falsely reporting this information to the credit bureaus. 


Info : Confirmation # is : XXXX for XXXX  to fix dispute The Follow up XXXX direct # to call for dispute : XXXX Ally confirmation dispute # : XXXX
Consumer complaint received 2019-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

I am being harrassed my my lender XXXX XXXX about making a payment. I informed them and sent my class schedule from the XXXX XXXX college website with my student number proving my enrollment. I have been enrolled and attending my local XXXX college since 2015. My school says that they send an update to XXXX and they refuse to do their jobs and update the information or reach out to XXXX when they need more information. I don't understand why I have to continutously do their jobs. They are now threatening to report my lack of payment to the credit bureaus. It is my understanding that I do not have to make payments while enrolled in at least 6 credit hours.
Consumer complaint received 2021-09-13
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. (MI)

I AM XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. I RECENTLY CHECKED MY CONSUMER REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES.
Consumer complaint received 2021-09-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (OR)

I'm including a PDF of my XX/XX/XXXX Letter to Specialized Loan Servicing ( " SLS '' ). The XX/XX/XXXX2021 letter to SLS is the latest in multiple communications with this loan servicer. 

As you will see in the attached XX/XX/XXXX PDF/Letter/Attachments, we have substantive unambiguous documentation which confirms that we are no longer responsible for the debt they are endeavoring to collect. 

We have been providing documentation to SLS since their first involvement. The XXXX XXXX XX/XX/XXXX, the originator of the HELOC, should have released our home as security for this debt following a dispute resolution exercise they inspired in in 2019. 

In the simplest terms, our obligation to the debt, for which SLS is now threatening a foreclosure, no longer exists.
Consumer complaint received 2021-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (TX)

Between XX/XX/XXXX-XX/XX/XXXX I lost my chase credit card and alot of purchases were made with it for around {$3900.00}, the last time I used it was at XXXX XXXX and when I contacted chase Bank they removed all the fraud charges and was told the card would be cancelled and have a new one sent to me. Fast forward few weeks later I checked my account and saw all the charges were put back into my account. I should not have to pay for charges I didn't make and I contacted the bank as soon as I found out I didn't have my card with me.
Consumer complaint received 2021-04-30
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

I ORDERED A PURSE ONXX/XX/XXXX FROM XXXX  FOR {$170.00}, THEY SUPPOSEDLY SAID IT ARRIVED ONXX/XX/XXXX AND THAT I SIGNED FOR IT, FOR ONE THING I WAS NOT HOME WHEN IT ARRIVED NOR COULD I HAVE SIGNED FOR IT, THEY WILL NOT SHOW ME PROOF, I CONTACTED CAPITAL ONE AND THEY SENT ME A FORM TO FILL OUT I DID IT ASAP AND NOT ONLY FAXED IT BUT MAILED IT, THEY THEN ASKED FOR IT AGAIN AND I SHOWED PROOF THEY RECEIVED THE FIST FAX ALREADY BUT I SENT IT IN AGAIN FAX AND MAIL, THEY THEN PRETTY QUICKLY DENIED MY DISPUTE BY SAYING I DID NOT FILL OUT THE FORM PROPERLY I CALLED AND ASKED THEM WHAT WAS WRONG AND THEY WOULD NOT TELL ME, I HAVE ALL MY COPIES AND I DID GIVE THEM ALL THE DETAILS I HAD, I WANT MY {$170.00} BACK, THIS HAS BEEN GOING ON SINCE XXXX.