davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

Made a dispute with Equifax on XX/XX/2020 which was received by certified mail # XXXX that was received on XX/XX/2020 per the certified mail receipt. Addtiionally, I sent the same dispute on XX/XX/2020 that was received XX/XX/2020 certified mail # XXXX per the certified mail receipt received. The dispute letter sent both times is listed below : XX/XX/2020 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, California XXXX Equifax Equifax Credit Information Services,  XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Re : Disputing Credit Report I recently received my credit report from your company and located the following incorrect information. This credit report does not accurately reflect my true payment or credit history and is therefore extremely injurious to me. 
I request for any and all documentation associated to verify my account including my signature. If you fail to produce any documentation I ask for this information be deleted from my credit report. My disputes are as follows : Designed Receivables Account # XXXX Designed Receivables Account # XXXX XXXX  XXXX Account Never Late XXXX/XXXX  Account Never Late Please send the names and addresses of the persons contacted to verify this information. If this is not resolved with in 30 days a have the right to small claims litigation as I can legally seek {$1000.00} for each violation : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act  Additionally, I would like to have all other names, addresses, phone numbers and place of employment indicated on my credit report removed, as I believe they are cross-referenced with other individuals with similar names. 
My correct name is : XXXX XXXX My correct address is : XXXX XXXX  XXXX XXXX, XXXX XXXX, California XXXX My correct employer is XXXX XXXX I believe creditors have not entered my name correctly when requesting my credit file. Please remove all other names and addresses and employers. I do not wish to be confused with individuals going by any other form of my name ; therefore, they must be removed. 
Signature and SSN redacted for privacy
Consumer complaint received 2023-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

My daughter and I have some joint accounts. On XX/XX/XXXX my daughter unknowingly deposited a fraudulent check. All of our accounts including savings were immediately blocked by citibanks fraud unit. Repeated phone calls by me and my daughter and visits to two branches have not resolved the issue. Citibank did not give the option to simply dishonor the check rather they chose to block our accounts. Representatives in the banks fraud unit were rude to me and to my daughter. My daughter and I are blocked from approximately XXXX in savings and my daughter can not access her checking account that has payroll deposits. No option was given to open new accounts. I am a retired Citibank employee and have had a banking relationship since XXXX. Why is the bank penalizing us for a bad check that was given to my daughter. She did not write the bad check nor overdraw her account. This has been a total nightmare for us and I should mention we are considered citigold clients. I need the immediate release of our savings and my daughters checking account.
Consumer complaint received 2023-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-09-21
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7400.00}, {$20000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account.
Consumer complaint received 2020-06-02
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. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} DEPTEDXXXX   XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} DPT ED XXXX XXXX {$180000.00} DEPTED XXXX XXXX {$2500.00} XXXX XXXX XXXX {$11000.00} USDEPED XXXX {$2500.00} XXXX XXXX XXXX {$12000.00} DEPTED XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2020-09-21
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. (NV)

I was aware of this fraud account on my credit XX/XX/2014  XXXX XXXX XXXX. I am not aware of where it came from or who used my information. SinceXX/XX/2014, I have been trying to get this account removed off of my credit.
Consumer complaint received 2017-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Gatestone & Co. International Inc. (CA)

On or around XX/XX/XXXX I began services with XXXX XXXX XXXX uner the Internet Access program - $ XXXX/month for internet, no installation fees, activation fees, or monthly equipment fees. From the beginning they billed me at the incorrect rate of nearly $ XXXX/mo plus equipment and other charges. Every month I would call, explain I was under the Internet Access program, they would adjust my bill, and tell me it would take a few billing cycles for the discounted rate to be properly applied to my account and I would just have to call every month to correct it in the interim. I proceeded to follow the instructions until in XX/XX/XXXX or XX/XX/XXXX, the discounts were n't applied correctly. I called about 15 times, talking to managers and supervisors, explaning the situation over and over again, waiting on hold for hours, taking up my entire lunch break day after day. They kepting promising to fix the bill but then nothing would happen. They sent the bill to collections, because I would not pay the incorrect about of close to {$300.00} ( thats about 30 months of service ) and I knew if I paid it they would NEVER refund it or properly credit my account. I formally disputed the bill in collections on XX/XX/XXXX, shortly after I found out. They still submitted this collections account to the credit bureaus and now its coming up on my credit when I am in the process of obtaining a mortgage loan. My loan is through a HUD counseling agenecy where they do n't necessarily look at credit scores ; they look at " credit character '' .Meaning this looks even worse for me because it looks like I just defaulted on a bill. I know without your help they will not remove this from my credit reports, even though it should NEVER have been there to begin with. I have put SO MUCH time and energy into this yet still they have failed to correctly bill me and I am suffering damages because of it.
Consumer complaint received 2017-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX began calling my husband demanding payment of {$6500.00} on a supposed unpaid account. We never opened an account with this XXXX  company and I told the gentlemen he was mistaken. We also immediately pulled a credit report and found no such collection on any of the reports. They have been calling my husband every week. We feel this is either a scam or they are seriously mistaken.
Consumer complaint received 2023-02-08
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (CO)

In XXXX of XXXX I was approved for a loan modification after exiting the XXXX special forbearance. With the assistance of the CFPB and VA mortgage helpline, Caliber offered a loan modification. Some of the terms of the modification were that Caliber would submit to the VA a request for a partial claim payment, and offer an interest rate of 4.375 %. Despite processing the loan modification, Caliber has continued to refuse to accept online payments, and " lost '' several checks I sent in as payment. I have previously documented these issues with the CFPB, yet Caliber continues to refuse to offer an efficient and modern way to pay my mortgage. 
In XX/XX/2022, servicing of my loan was transferred to XXXX. When the loan was transferred, Caliber failed to notify the new servicer of the partial claim payments, or any payments I had made on the mortgage, resulting in XXXX calculating an alleged debt of {$88000.00} as of this writing. I received a notice from a XXXX XXXX threatening foreclosure, despite the fact that I had requested XXXX and Caliber update the data regarding my mortgage in their respective systems. 
Caliber has a long history of improper communication and failing to process payments and other loan documents as shown by my previous complaints, and Caliber 's responses, or rather lack thereof. I am pleased that my mortgage is no longer being serviced by them, but this final mistake may cost me my home.
Consumer complaint received 2020-09-21
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 — Was not notified of investigation status or results
Company: Sequium Asset Solutions, LLC (GA)

Sequimm Asset Solutions also know as Focus Receivables Management is posting a paid collection on my credit profile with the major reporting bureau this is the 3rd attempt at having this paid collection deleted from my credit profile the company is falsely reporting this debt and is in violation of my rights granted to me under the Fair Debt Collections Practices Act, this account was turned over to this collection agency whom i am not under contract with nor have i ever been under contract with nor was i ever notified of the attempt to collect on this debt upon seeing the debt posting to my credit profile i contacted the company and settled the debt i was never notified that this debt was due prior to posting nor did i ever have a chance to validate and dispute this debt. which the FDCPA grants me the rights to do those things before they can post to the major reporting agencies .by continuing to post this Paid debt to my credit profile is illegal, deceptive, and abusive i was never notified of this attempt to collect this debt. The FDCPA states that within 5 days of attempting to collect this debt i should have received a validation letter, Section 809 Stats that legally i should have been notified of the debt and then had i chance to dispute this debt which i was never granted, the company listed are in violation and if the collection is not removed from my report farther legal action will be taken
Consumer complaint received 2020-06-02
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. (AL)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$630.00}
Consumer complaint received 2017-08-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CT)

I 've been struggling for years to repay my loans at 13 and 11 percent interest rates. I 'm 60k plus in debt. The customer service reps wo n't tell me what enitites hold my loans, and due to the exorbitant costs of my interest rates, I ca n't touch my principal. They offer scant info on refinancing and my credit suffers as I try to make ends meet. The best way I can describe Navient 's tactics is predatory.
Consumer complaint received 2020-05-06
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)

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2017-08-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (SC)

I took out a loan with santander consumer USA a on XX/XX/XXXX. I made the 1st payment when due in XX/XX/XXXX and then I made the next payment that was actually credited on XX/XX/XXXX for the XX/XX/XXXX payment. I made another payment on XX/XX/XXXX which came out of my bank on the XX/XX/XXXX and one of these is the payments in question not credited properly. I then made a payment on XX/XX/XXXX that I thought was the XX/XX/XXXX payment not knowing that santander had lost the XX/XX/XXXX payment. So my XX/XX/XXXX payment went backwards to the XX/XX/XXXX payment. I then started to make a payment for XX/XX/XXXX and it took 2 weeks to get paid but it was paid and yet santander lost this payment also. They reported me to the credit bureaus 30 days late and then 60 days late. I have been fighting with them sending bank statements and santander always had a complaint about the statement sent whether it was elegible Or not sufficient. I have dealt with several managers and even the office of the president in their lack of communication with me is appalling because it 's my credit that 's hurt over XXXX points and they still have not properly credited me. I then spoke with their fraud area and investigations and they said things that were not true and so I invoked my attorney to send them a letter demanding that they credit my account properly and fix the credit-reporting. I submitted them to sworn bank statements from the 2 different banks from which those payments came from in XX/XX/XXXX and in XX/XX/XXXX. They have not responded to me in over a week. At this point I do n't want my credit hurt any longer and I do n't wan na pay monies backwards 2 and a 1/2 months especially when 2 payments are out there that I did pay. They do not correspond timely and yet they continually report me wrongly. Ask them why they are not correcting my account when they had sworn bank statements proving that they are wrong and yet they 're still trying to blame me.
Consumer complaint received 2021-11-03
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (LA)

I applied for an apple credit card and was declined after my application was accepted. I received an email on XX/XX/21 stating that my application was reviewed and that I was denied for having too many inquiries and high limits on current cards even though Im paying my bills on time. This is discrimination again me a federally protected consumer who has the right to extend credit.
Consumer complaint received 2020-05-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TX)

In XXXX, I switched phone companies from XXXX  to XXXX XXXX XXXX. The first few months of being with them were good but down the line, I realized that 1, they were charging me almost {$200.00} for a one line phone on top of charging me and other $ XXXX for tv and internet. In XXXX of XXXX, XXXX XXXX XXXX proceeded to turn off my phone and told me i needed to pay a certain amount to get the phone turned on, which i did but they told me that I needed to pay more in order to get the phone turned back on. I called customer service and was on the phone for over an hour with 3 CSR and they proceeded to argue with me instead of correcting the mistake they made.I ended up switching back to XXXX and some months later, I checked my credit and saw this debt on there and have not received anything in writing. The truth of the matter is, they will not be getting any money from me because of their fraudulent ways. XXXX XXXX XXXX is a money hungry company and they will do anything to make a buck off of someone.
Consumer complaint received 2020-09-21
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. (NV)

I was aware of this fraud account on my credit XX/XX/2016. I am not aware of where it came from or who used my information. Since XX/XX/2016, I have been trying to get this account removed off of my credit.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 2020-09-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY (PA)

Since XX/XX/2020 my TD Bank account has been frozen and my login credentials updated to lock me out of my account. When I called them and went to a branch manager the only thing I was told was that my account was sent to fraud for a fake account. I brought that exact check to a branch in XXXX pa and they refused to even look at it. I called the main td line to figure out why I cant even access my account. All they told me was somebody in td was looking into it with no name or number on file. I have since called them every week at least 3 times a week to no new information. Most of the time I call they hang up immediately after I give my account number XXXX
Consumer complaint received 2017-08-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections (UT)

Worked with billing processor for 3 + months to resolve balance. XXXX sent by check from XXXX  XXXX account which was not applied to correct account. Biller did not send claims to insurances based on coordination of benefits. Took all info into dental office to assist employee in billing claims properly. The {$1500.00} the insurance sent was received by dentist office but not applied to the correct account nor were the claims billed to primary, secondary and health savings account billed in the correct order based on insurance guidelines.