davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (AZ)

This complaint relates to my account at Citi : XXXX XXXX XXXX XXXX  XXXX. In late XXXX, the autopay did not go through because my checking account was slightly short due to an unexpected expense. On XX/XX/XXXX, within a few days, I manually paid the full statement 's prior balance of {$2900.00}, and that was taken from my account and reflected on my statement. Citi continued to attempt to take the same {$2900.00} again several times ( I tried to get them to stop, but long wait times prevented me from getting help ), and they were successful on XX/XX/XXXX. I called multiple times and they refused to refund the duplicate payment or assist in any way. I advised them I would contest the XX/XX/XXXX payment with my bank, which I did. The bank reversed the charge and redeposited the funds on XX/XX/XXXX. I thought the situation was settled, but on XX/XX/XXXX Citi manually reversed the XX/XX/XXXX payment off of my credit card statement saying it was a " customer request '' - it was not- and I was charged a {$29.00} returned check fee. I called and, once again, got the runaround. The agent asked if I can make a payment today- THEY HADMY MONEY! The funds were not redeposited in my account. Citi 's customer service is so poor it is tantamount to a deceptive practice. For context, I am an accountant, so I understand how this should work.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (LA)

I made an agreement with Nissan Motor Corporation, and paid them off on XX/XX/2020, and they are not reflecting this on my credit reports. I have a letter showing that the agreement happened, and Nissan is reporting balances that do not exist. Nissan is also reporting an incorrect account number on my credit report. Both of these factors are a direct violation of the FCRA, and the Nissan Motor Corporation entry on all 3 of my credit reports need to be deleted immediately. Nissan is reporting my account number begins with a 9, however according to my account statements, and Nissan 's online portal, my account begins with a 0. I have attached my agreement letter showing that I have a settlement, screen shots of the Nissan entries on my credit reports showing balances that do not exist, my credit reports incase you want to verify the screen shots, my account statements which show a different account number than what Nissan is reporting, the agreed upon amount withdrawing from my bank account, and a screen shot of Nissan 's website showing a different account number than what Nissan is reporting.
Consumer complaint received 2021-03-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Consumer complaint received 2018-06-26
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. (GA)

I pulled my credit report in XX/XX/2018, I noticed inquires and a XXXX XXXX account on my report. I did not authorize for anyone to run my report for the inquiries were made without my permission. Also i did not apply for a XXXXXXXX XXXX card, nor did i authorize for anyone to apply for that. I ask that Experian, XXXX, and XXXXn investigate to verify the inquiries and account listed on my credit report. 

I ask that they summit written documents with my signed signature, credit cards and debit card bill statements showing that i payed for this. Fair credit act law states that a creditor must have signed, written documents to even run my credit.
Consumer complaint received 2016-09-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (IL)

I have been trying to refinance my house with planet home lending Free the last six months and they have been stringing me along and allowing me to think that this was going to happen then today they informed me that my loan had matured XXXX XXXX and that there was nothing more that they could do to help me they said because it was a 15 year loan if this happened in six months none of this would have occurred. I do not know what to do I am living with my wife my daughter and her boyfriend and XXXX children grandchildren and XXXX baby I do not want to lose my house I have been offering planet home lending money to continue to pay the mortgage while all this is being done. Then today I find out that the loan has matured and they have not even asked my XXXX mortgagee to subordinate they made no offers to them which they said they were going to do my XXXX lien company had stated to them that they were willing to subordinate what planet home lending made no offers I am just looking for some help hereI can make the mortgage payment today and continue to make them I just need them to assigned me another loan and keep me in my house please help me
Consumer complaint received 2022-09-13
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. (OR)

I believe I am a victim of Identity theft there are multiple accounts that are on my credit report that I did not open or authorize. I really don't know anything about credit until I recently check my credit report and seen these fraudulent accounts. I am just confused how someone can open accounts in my name Without my consent or authorization Please look into my investigation Thank You
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Equifax is incorrectly reporting a paid collection account on my credit report for XXXX or XXXX XXXX  XXXX, a utility company. I have asked them to investigate this and they have failed to investigate this numerous times, and recently reported the same account twice on my credit report causing even more credit damage. This is unbelievable and I am beyond frustrated at there complete disregard of maintain accurate records. This XXXX   account is highly disputed and under litigation - I am currently suing XXXX XXXX   XXXX for this, and now Equifax has decided to report the same account TWICE??? 
I am adding a copy of my credit report to show Equifax reporting this same account twice. I demand a full removal of both of these tradelines.
Consumer complaint received 2020-07-20
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)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX XXXX, XXXX XXXX & XXXX, XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX  gave me two letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX  XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2020-07-20
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: WELLS FARGO & COMPANY (CA)

XXXX XXXX  is fraudulently trying to bill me {$5700.00} They sent me a letter. The XXXX  account number reflecting is XXXX I conclude this is identity theft or have me confused and mis-shuffled my XXXX who is XXXX XXXX. I called and spoke with reps. Made MANY attempts to remedy the situation to much dismay. 

XXXX is known for taking on false accounts, and renewing fraudulent judgements which they did this to me using my fathers identity.THey served that at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't work there, my father does. 

These crooks make a living trying to collect frivolous money at the detriment of others. 
THey are investigated by the FBI and have been on the newspapers by journalists on XXXX. THere main corporate I believe is in XXXX. THe office trying to bill account XXXX is in XXXX XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2020-07-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC (FL)

I have never done business with this company or any company associated with thus company. I have never provided any of my personal information to this company or any company associated with thus company. I dont have any information regarding this company or this debt. There is a collection account reported to my credit report and this account doesnt belong to me. I have never provided my social security number or any other personal information to thus company or any company associated with this company. Please remove this account from my credit report this account doesnt belong to me.
Consumer complaint received 2019-05-31
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I received a bill from XXXX XXXX XXXX. I owed XXXX I sent a letter XX/XX/XXXX to inquire verification of debt. I asked them in writing for more information on the their company as well along a copy of the judgement against me. I did go to University XXXX XXXX for a semester XXXX, my cost was to be XXXX. I paid back around XXXX .Cost sent me another bill from them XXXX along with a generic promissory note with a date XX/XX/XXXX which I went to school XXXX. I just want to know what they are charging me for, I want a breakdown of what I am paying for and they will not give me.
Consumer complaint received 2020-07-20
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)

Someone in Experian and XXXX  credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. XXXX/XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX these account are fraud, having my false identity. They gave me XXXX letters of release stating the debt wasn't mine Experian and XXXX  keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX XXXX XXXX, AL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A. (FL)

I have owned a Costco visa credit card, and I was having a XXXX  emergency for an aunt who was battling the virus and later died. At the time in mid XXXX, I spent above my credit limit, but the credit card company harshly went ahead and closed my account permanently. 
I now have privacy issues with the credit card company because it has logins to my bank account together with the account balance. I find this intrusive and unheard of.
Consumer complaint received 2020-07-20
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: ENCORE CAPITAL GROUP INC. (CA)

Midland FUnding is fraudulently trying to bill me {$5700.00} They sent me a letter. The MCM account number reflecting is XXXX I conclude this is identity theft or have me confused and mis-shuffled my Father who is XXXX XXXX. I called and spoke with reps. Made MANY attempts to remedy the situation to much dismay. 

Midland is known for taking on false accounts, and renewing fraudulent judgements which they did this to me using my fathers identity.THey served that at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't work there, my father does. 

These crooks make a living trying to collect frivolous money at the detriment of others. 
THey are investigated by the FBI and have been on the newspapers by journalists on Midland. THere main corporate I believe is in XXXX. THe office trying to bill account XXXX is in XXXX XXXX -- -- XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX CA XXXX
Consumer complaint received 2019-05-31
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: 2288984 Ontario Inc. (KS)

Sent email to them on XX/XX/XXXX advised them not to contact me. 
Contacted them on XX/XX/XXXX to make settlement. Got email back wanting more information, sent that to them. Still did not want any more calls. They then called that same evening. 
Then on XX/XX/XXXX they called again I called them back and told them no more calls they said they would no longer contact me and she was blocking all communication. 
XX/XX/XXXX they called again.
Consumer complaint received 2019-05-31
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

BANK OF AMERICA REVOLVING ACCOUNT OPEN DATE XX/XX/XXXX AND XXXXXXXX XXXX   XXXX XXXX ACCOUNT # XXXX OPEN DATE XX/XX/XXXX. THESE ACCOUNTS ARE BOTH FRAUDULENT ACCOUNTS. I HAVE BEEN DISPUTING BOTH ACCOUNTS AS FRAUDULENT AND I NEED THEM TO BE REMOVED FROM MY CREDIT REPORT, I HAVE SUBMITTED MY IDENTITY THEFT REPORT TO BOTH BANKS. THANK YOU
Consumer complaint received 2022-09-13
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. (ID)

There are two accounts that do not belong to me. I have a perfect credit rating and these two accounts are now damaging my reputation and needs to be removed immediately. Note, I have not ever signed a contract with these two creditors listed, nor have I ever did business with them. Again, they need to be removed from my credit reports. My currently drivers license does have my correct address as well. Thank you.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSWORLD SYSTEMS INC (OH)

I have a loan with TRANSWORLD SYS INC/XXXX XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, TRANSWORLD SYS INC/XXXX XXXX, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2022-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CT)

Mr. Cooper paid another homeowners hazard insurance policy out of my escrow account on XXXX and still havent reimbursed my escrow account. I have made 5 phone calls and this still hasnt been resolved. I have a shortage in my escrow account and there is an escrow analysis that will be happening before the end of the month. If this is not resolved my payment is set to increase by approximately {$200.00} per month. I need this resolved immediately and Mr. Cooper has not been cooperative for their error.
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. They failed to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2019-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Toledo, Inc. (OH)

I reached out to these medical collection agencies for verification of the debt as I had never received any notice of collection prior to these accounts being added to my credit report. They were in violation of my HIPPA rights as they had very personal information about my medical visits. During the time of these medical visits I had insurance and it should have been paid through the insurance company. Even then I still tried to reason with these companies and get them paid and have then removed from my credit report to no avail. The companies are Finance Systems of Toledo, XXXX XXXX XXXX, and XXXX XXXX XXXX. These are all very small collections that I would never have defaulted on.
Consumer complaint received 2019-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ORG GC GP BUYER, LLC (GA)

G C SERVICES XXXX is on my credit file affecting my credit I can't get housing or anything else because this is a collection on my account for a XXXX account that I did not authorize. I have not lived at this address for over 2 years. My ex wife lived there and then rented it to a bunch of strangers and now someone totally different lives at this address. I am frustrated because they will not remove this. I assure you I never authorized this on my credit. they are trying to stick me with a Collection account that states that I am " {$1200.00} past due as of XX/XX/2019. ''
Consumer complaint received 2019-04-05
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: Diversified Consultants, Inc. (OH)

XXXX keeps adding diversified consultants ( XXXX XXXX ) after ftc told them XXXX XXXX credit report had identity theft. This was never his item.. XXXX has police reports and ftc reports in file on this account
Consumer complaint received 2020-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (OR)

On XX/XX/2020 I needed a temporary release for my credit reports, this was for a refinance of my home. Experian has this " policy '' concerning the release/temporary release of a credit freeze I placed on my file a little while back. Unless I " subscribed '' the the new Experian credit monitoring service ( XXXX a month ) there was no way to get a temporary lift on my credit freeze. Unless I paid them the " fee '' the only way to get a release on my file : 1 ) download and print release form. 2 ) fill in dates of release and sign form. 3 ) include copy of picture ID with form ( nothing gets returned ) 4 ) send all items to Experian via SNAIL MAIL. After they receive everything then they will put a temporary lift on my file. I was talking with the mortgage company when I was SURPRISED by this. I needed lifts on my credit within 24 hours not 7-10 days. I will not pay to have access to my credit history. If a reporting company will not allow instant access for free to all consumers then they should not be allowed to control this information.
Consumer complaint received 2019-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PHH Mortgage Services Corporation (NJ)

My husband has had some very significant health issues during the last few years with XXXX XXXX and XXXX dramatically reducing our household income. I also had to take a considerable amount of time off to tend to his needs. During this time frame we fell behind on our mortgage payments and reached out to PHH Mortgage for assistance. However, instead of helping us, they took us through their loss mitigation process and denied us for mortgage assistance because we were had two car payments. We can not believe that they would turn us down for help without allowing us the opportunity to refinance or pay off our vehicles. We now have a foreclosure sale date on our house scheduled for XX/XX/XXXX and it appears that we will be homeless. We are too old to start our lives over and the house is set up perfectly for my husband. He would be very disorientated if we had to move into an apartment or with family. We have plenty of money to afford a reasonable mortgage payment, but we do not believe we can get PHH Mortgage to treat us fairly. We have never had a single point of contact that we could speak to, as they are never available and are constantly changing. We never understood how we paid our mortgage on time since XXXX and everything was good, but when my husband and I hit a financial blip in the road, PHH Mortgage turned their back on us. Our financial situation has been resolved and we are back on solid financial ground. We should have contacted you sooner to get help in dealing with PHH Mortgage and am hoping it is not too late. We just feel that PHH Mortgage has not followed proper protocol in reviewing our loan and are rushing to foreclosure on us. This is all avoidable as we have sufficient income to afford a reasonable payment and we do qualify for assistance based on our government guidelines.