davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (GA)

Someone used my Home Depot credit card which is underwritten by citibank. They went into the store without the card and charged a {$3300.00} refrigerator. I have disputed this charge multiple times and customer service refuses to return it. They are referring me back to the store, and the store is referring me back to citibank. They are now attempting to sue me for a purchase that I never made. Someone has been using my name for years for the purposes of identity theft fraud. Please see attached FTC affidavit!
Consumer complaint received 2018-04-02
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IN)

I have been making payments on my student loans through Navient since XX/XX/XXXX. They informed me that since I was making payments that my taxes would not be withheld in XX/XX/XXXX. Not only is my total not going down, my taxes were withheld yet again this year, over {$2000.00}, in XX/XX/XXXX, which is what they had withheld from me last year, in XX/XX/XXXX. They are also calling my entire family trying to get money and information out of them. They are lying and not doing anything they have informed me of, taking my money and not applying my payments to get me out of default.
Consumer complaint received 2023-01-19
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: SANTANDER HOLDINGS USA, INC. (GA)

request that all data from my credit file that occurred during a credit breach timeframe be removed from my credit report. I believe that my personal and financial information has been compromised as a result of a credit breach, and I am concerned that unauthorized accounts may have been opened in my name. 

I have taken the necessary steps to protect my credit and financial information, including placing a fraud alert on my credit report, filing a police report, and contacting the company or organization that suffered the breach. I have also requested the creditor of any unauthorized account ( s ) to close the account ( s ) and remove it from my credit report. 

I understand that it is important to ensure that the information on my credit report is accurate, and I am requesting that you investigate and remove any data from my credit file that occurred during the credit breach timeframe. I would appreciate it if you could confirm receipt of this letter and let me know the status of my request. 

Please let me know if you need any additional information or documentation from me. 

Thank you for your time and assistance in this matter.
Consumer complaint received 2022-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX, XXXX, Equifax information on my credit cards accounts are wrong. They have Total Accounts numbers, wrong payment histories each credit bureau is showing the wrong information. Plus, they have old addresses on my credit report. I tried to inform them with the current and nothing was changed. All information was upload attached.
Consumer complaint received 2021-11-09
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. (IL)

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681is the same as it is under 15 usc 1602 ( l ) which is the term credit card means by any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate the consumer credit transaction in the letter I sent. Transunion, XXXX, and XXXX violated my rights as a consumer, I also included a screenshot of the law
Consumer complaint received 2021-05-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (MN)

I used Specialized Loan Servicing to apply for a HELOC in XXXX. This XX/XX/XXXX I paid the loan completely. When SLS promised to send to my XXXX XXXX XXXX XXXX of Minnesota ) a satisfaction notice, they did not do it. First they promised me that it would be sent in 45 days, then 90 days, but as of today ( over 100 days since the loan has been paid off XXXX XXXX XXXX says that they still have not received the notice of satisfaction, so the lien on my property remains and I am unable to sell my house. 

Whenever I call SLS they have no real answers for me and no manager to speak with. They often send my call to the " escalation department '' that also has no answer for me. I am beyond frustrated because we can't sell our home.
Consumer complaint received 2022-04-29
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. (TX)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2020-01-24
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: U.S. BANCORP (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 XX/XX/2018 XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (IA)

On XX/XX/XXXX I received a letter in the mail and in that letter was another letter which was from XXXX. XXXX had sent the letter to an address in XXXX XXXX Iowa and that occupant had opened my mail. I have never lived in XXXX XXXX. I've lived in XXXX all my life. I know they have my correct address because they have mailed a letter before and I disputed.
Consumer complaint received 2019-03-15
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MD)

The options in the previous section were not specific to my complaint. Midland Funding is the collection agency who apparently purchased a charge off from XXXX XXXX XXXX  in XX/XX/XXXX which was {$300.00} and is now {$630.00} as I pulled my report today and saw it reported to all three bureaus. I called Midland Funding to discuss the debt as I want it off of my credit report so I called to discuss options and I was told that they will not speak to me about the account because I submitted a cease and desist letter in writing to them in XX/XX/XXXX. I told them that I do not recall doing so, that I disputed the account on my credit report but that that was not a cease and desist request. After speaking to a manager I was told that I had to fax in a letter removing the cease and desist and acknowledging the debt and my identifying information and that then I could call back in 3 days to 10 working days to see if they could now speak with me. I explained that even if they had received a cease and desist letter from me that that meant they could not contact me, but not the other way around, that I certainly have the right to contact them about what they are reporting on my credit. I was not heard and was told again to send the fax if I wanted to discuss any options. I feel this is a violation of my rights and they are using deceptive tactics so that they can go back to harassing me and starting over a statute of limitations on how long they can continue to contact me.
Consumer complaint received 2020-01-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC (IA)

On XX/XX/XXXX I received a letter in the mail and in that letter was another letter which was from ERC. ERC had sent the letter to an address in XXXX XXXX Iowa and that occupant had opened my mail. I have never lived in XXXX XXXX. I've lived in XXXX all my life. I know they have my correct address because they have mailed a letter before and I disputed.
Consumer complaint received 2021-05-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AZ)

in XXXX of XXXX i was given a HELOC by Washington Mutual bank Interest Only for a maximum loan amount of {$100000.00}. I paid on the loan, paying some on the principal of which i had problems with the bank applying all payments to my account. I received the amount in 2 payments $ XXXX {$55000.00}. XXXX, XXXX the bank realized they had made a mistake in issuing the full amount to me, they had no instrument to collect any fees or interest, and at the time unknowing i signed a loan modification for an additional {$50000.00}, amount i never received, to cover fees and interest rates. I had to do a loan modification after Chase bank took over Washington Mutual due to accelerated interest rates on credit cards and the modification included a deferred amount of {$79000.00} plus an unpaid balance of approx. XXXX which i am currently paying. I am requesting Chase to either absolve the deferred amount or allow me to negotiate it down so that i may have the ability to refinance my current mortgage at a lower rate as i would like to remain in home. I am XXXX XXXX XXXX on a fixed income and it is a hardship for me to try and continue to be self sufficient. As i have been advised by Chase if i don't pay the HELOC my home may end up in foreclosure, even though it was discharged in bankruptcy 10 years ago
Consumer complaint received 2022-04-29
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : Collections XXXX XXXX XXXX Opened XXXX {$300.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX {$1200.00}
Consumer complaint received 2022-04-29
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: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : Collections XXXX XXXX XXXX Opened XXXX {$300.00} XXXX XXXX Opened XXXX {$990.00} XXXX XXXXXXXX XXXX XXXX Opened XXXX {$1200.00}
Consumer complaint received 2021-05-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (GA)

WAKEFIELD AND ASSOCIATES  at XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX, has been sending me collection notices in the amount of {$2000.00}. The collection has been reported as past due balance. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-04-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (KY)

I created an account with TransferWise.com in XX/XX/XXXX to transfer some USD to DKK for a trip to The XXXX XXXX  in XXXX, XXXX.. I did not use the account after that. TransferWise.com then changed to XXXX in XX/XX/XXXX. In XX/XX/XXXX, the email address that was associated with my XXXX account was 'spam-bombed '. I could not send/receive emails for several days as a result of my email address receiving thousands of unsolicited emails. In XX/XX/XXXX, I had worked to try and 'unsubscribe ' from the hundreds of sites that I had been receiving emails from, and began trying to use my email address again. I found an email from XXXX saying that my account had been deactivated because of an outstanding debt of {$15000.00}. I searched through the tens of thousands of emails I had received and found one in XXXX that contained a PDF saying that I had tried to convert {$15000.00} of USD to PLN on XX/XX/XXXX, and XXXX, XXXX. The bank account numbers on the PDF were not mine. It's clear that someone compromised my account and changed the bank account numbers and attempted to wire/transfer currency in my name with a bank account that does not belong to me. I have tried to contact XXXX numerous times. They will not help me via email because my account has been deactivated. When I try to call, they have very short hours during the working-day, and when I do have time to call I am told that there may be a wait time of 30+ hours. They will not schedule a call-back, have no chat service, and yet I have a document claiming that they will send me to collections for what is clearly fraudulent activity.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc. (TX)

On XX/XX/2015, a account was opened in my name with the company named Ginnys/Colony XXXX I never opened or ordered anything from them and believe it was my ex spouse that opened it in my name.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

These inquiries were not made by me and are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (WA)

We received a notice from a collections company named Hunter Warfield on XX/XX/2021 for {$7400.00} to XXXX XXXX apartments. We sent a letter the next date XX/XX/2021 stating that we dispute the entire amount. There is no judgment, this is just an assertion based on an unenforceable contract. 

A collector from Hunter Warfield began repeated phone calls to both of our phones and places of employment, as well as emails starting XX/XX/2021. Today, after speaking with him he said that they do not accept the " dispute ''. 

I followed up with another letter letting them know they do not have our permission to contact us and that once again this is not our debt. They can contact XXXX XXXX or refer to their own counsel. 

XXXX XXXX XXXX complex also DBA XXXX XXXX XXXX was given all of the information prior to turning this over to a Collection company that we do not accept this debt. They were given a letter by my attorney as well.
Consumer complaint received 2020-01-24
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. (FL)

XXXX XXXX XXXX is reporting on my credit reports that I owe {$2900.00} to a XXXX card this is one last chance for XXXX XXXX XXXX to DELETE from my credit reports or i will sue both XXXX XXXX XXXX and the credit BUREAUS for reporting fraudulent information on my credit reports. This was paid in FULL and I only had a {$500.00} credit limit the card was paid in full. They supplied me with credit card statements but nothing showing why they say I owe {$2900.00} when I only had a {$500.00} credit limit which was paid in FULL I do not owe this and i will win in court if I have to go that route. I think this may have been part of the XXXX breach. The dicuments sent prove nothing
Consumer complaint received 2020-01-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Northland Group Inc (DC)

On or before XX/XX/2017 I called Northland Group to pay off a debt in the amount of {$560.00} in exchange for them to delete this collection account from my credit file. The agency agreed to a pay for deletion. I paid the total amount of {$560.00} but the creditor has never removed this collection from my file like promised. I was not aware that if they agreed to delete for payment that they have to uphold this agreement until now. This creditor breached the verbal agreement and they need to make good on their part of the agreement.
Consumer complaint received 2018-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

I check my credit report with XXXX XXXX daily. I recently received a unsecured credit card from XXXX XXXX to build my credit. Today XX/XX/XXXX I checked my credit with Equifax and my credit score went down 19 points. I called Equifax to find out why and the representative could not tell me why. The inquiries I have on my credit report are inquires from last year and there were only 16 total. According to Equifax there have been recent inquiries I am unaware of and I would like to dispute the inquires with Equifax, she told me that she could not file a dispute and that I would have to contact a the lenders that made the inquires. I told her that I only had 16 inquires last year in XX/XX/XXXX not 34. Equifax is cooperating with this complaint. my credit score went from XXXX to XXXX because of this. Please contact Equifax and address this matter. XXXX
Consumer complaint received 2022-01-11
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: EQUIFAX, INC. (OH)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-08-18
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. (OK)

I wrote directly to the US BANKRUPTCY bank in XXXX  GA & was advised they did not report or furnish info to ANY BUREAU .. I then wrote XXXX XXXX regarding the issue & today XX/XX/21 I confirmed they have removed all bankruptcies from my file .. your report individually states you fraudulently obtained & published by your bureau. 
1. XXXX XXXX stole the info and didn't have a permisseable purpose to report it. pursuant to 1681b. ( 2 ) REMOVE MY STOLEN INFO REGARDING BANKRUPTCIES from your file
Consumer complaint received 2021-05-06
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (PA)

We found this XXXX. It is on mine and my mothers name. Neither one of us cashed it out. The original bank has changed hands several times. We would like to be able to cash it in but. I one we have talked to know how
Consumer complaint received 2024-01-07
Product: Credit reporting 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. (OK)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm Disputing all of theses inquiries. I haven't completed a security 's collateral application with these corporations.
Consumer complaint received 2021-11-09
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. (GA)

XXXX XXXX credit card shows 30 days late for the month of XX/XX/2021. This information is not reporting correctly. I have never paid late. I told Rep that the first time i seen this report on my credit.
Consumer complaint received 2022-04-29
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. (NY)

I have reached out to the Credit Bureaus for over 30 days and I am yet to receive a response, these items are inaccurate and I demand to have the removed.