davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (GA)

I sent this collection agency a validation of account letter on XX/XX/19 trying to get information about the original creditors. I asked that they provide me with documentation showing the original creditors, account number, complete payment history. I also requested documentation showing that I agreed to pay the past due amount on this account, any agreements that were granted authorizing them to collect this alleged debt because Ive never had any written or verbal contract with this agency. The only information I was sent was original creditors address, account number, and balance. They didnt provide any clarification showing how this alleged debt was calculated or my responsibility for this account. I disputed the original creditors file on my credit report and when they couldnt provide me with the information asked for they were deleted from my credit report so they decided to give the alleged debt to this collection agency who like I said before Ive never had any sort of contract with to collect on something that they havent provided any accurate information about this alleged debt. This agency is continuously running this alleged debt every month on my credit report damaging my score which isnt fair because they have failed to provide me accurate information. Would someone please assist me in correcting this matter.
Consumer complaint received 2022-11-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Offices of Hayt, Hayt & Landau, LLC (NJ)

On XX/XX/22 I received an envelope from a debt collector firm, Hayt, Hayt, & Landau, LLC stating they are interrogatories, which is a false and deceptive statement creation of false and deceptive forms to the court. Instead its a court packet with a dock # that isnt mine and lists a court that is not in my jurisdiction with information of another consumers non public identifiable information stating they owe a debt and suing. Which are Violations of the FDCPA, XXXX XXXX XXXX XXXX and the PRIVACY ACT. I am now skeptical and have reasons to believe they did the same to me. The misrepresentation of material facts, false and deceptive statements, violations FDCPA and other consumer laws has caused grave injuries to myself and the other consumer whos information was breeched and leaked by XXXX XXXX XXXX which is also defamation of character.
Consumer complaint received 2023-03-28
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. (SC)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the disputed items will be corrected or deleted ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

Citizen One bank ( Citizens Bank ) opened two fraudulent lines of credit in my name. 

I discovered the first line of credit on XXXX and contacted the bank. I had to explicitly request that they check if other lines of credit had been opened in my name, at which point I was informed that there was a second line of credit in my name. It took them over more than seven business days for them to send an automated email with instructions on how to submit a dispute. There is no way to contact the ID Theft Department directly -- I am forced to go through the regular customer service line ( they indicated that this was because of volume -- they just didn't have enough people to answer all their identity theft related calls ). The email they provided would not accept attachments -- even though this is the way they instruct you to submit your dispute materials ( I zipped and reduced the size of the files, and I tried from two different computers and two different browsers -- no luck ). They have yet to acknowledge receipt of my dispute packet, and I am unable to get through to any human being able to confirm anything related to the process. They also disputed my credit dispute with XXXX -- telling them it was accurate. 

I am appalled how little responsibility this bank has to address the problem. I am appalled that they allowed these two lines of credit to be opened in my name -- anyone actually reviewing my credit history ( excellent ) would have easily seen that I did not require two different microloans for two XXXX. As a consumer, I have been left with no way to get this problems fixed -- I am wholly at the mercy of this bank.
Consumer complaint received 2020-11-04
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. (SC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2019-08-20
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: Carvana Group, LLC (IL)

I have been trying to contact this company every since the inquiry reported on my credit report to no avail have i been able to contact company though number or address showing on my credit report
Consumer complaint received 2021-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

Without notice my Citi XXXX  XXXX XXXX  credit card account was closed on XX/XX/2021. When I called to ask why I was told that I would receive a letter explaining the reason. I received a letter on XX/XX/XXXX with no explanation, just the requirement to send a letter via snail mail to get a reason in writing. I can find no reason why my account was closed. 

Additionally, their closing my account had a very undesirable impact on my credit score for no obvious reason.
Consumer complaint received 2023-07-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC (AL)

I get multiple calls at least XXXX a day from this company and number. Sometimes they go as far as to using a fake number. Theyve even reached out to my family in regards to everything and I never have put anything down with my family which is invasion of privacy
Consumer complaint received 2021-08-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery filed a collection against me for a debt I had believed to be settled. They called me at my employer once previously using my employers phone number. I told them then to cease and desist, and requested any further communication be through mail. They stopped for a little while but now I receive 3-4 calls a day through varying phone numbers from them. If I block one, they use a different one. I warned them before if it continued I would file a complaint, if that does not work I will contact my State Attorney General.
Consumer complaint received 2019-03-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NJ)

Citibank never credit the bonus I should get as they advertised and lying through their teeth by Citigold account rep and the branch manager. 

XX/XX/XXXX, Citibank had an online advertisement saying " For a limited time, new or existing Citi Priority or Citigold customers can earn up to a $ XXXX- {$700.00} cash bonus. To enroll, simply speak to a representative at your local Citibank branch or call XXXX ''. 

XX/XX/XXXX, I enrolled in this promotion with a representative named XXXX. 

XX/XX/XXXX, {$25000.00} was transferred from XXXX XXXX XXXX to my Citibank 's Saving Plus account and the fund is shown at Citibank on XX/XX/XXXX. 

XX/XX/XXXX, after 4 and half month of deposit, Citibank didn't credit the bonus. I called and spoke to XXXX ( who did not want to give me his last name ), questioned the cash bonus. He wasn't able and not willing to provide any help. 

At beginning of XX/XX/XXXX, I spoke to Citigold Relationship Manager XXXX XXXX, he insisted I have to sign the " Citigold Team Engagement Terms '' form, even though he acknowledged that this form has nothing to do with the cash bonus, but I signed the form anyway. 

With numerous attempt try to get this resolved with XXXX XXXX, but all he did was telling me that he would look into it. He didn't do anything and never returned any of my calls. 

XX/XX/XXXX, I called XXXX again and was luck enough he answered phone. He told me that he was going to speak to his manager and would get right back to me, bu again he never did. 

XX/XX/XXXX, I escalated this to the branch manager XXXX XXXX, She promised she'll look into this and give me an update in two days. 

But she didn't and never provided me any update. I made repeated inquires on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all she did was telling me that she would look into it. But she never did anything, never provided any update or any resolution. 

More than 13 month after the deposit was made and the repeated requests to have this rectified, Citigold account rep and branch manager refused to take corrective action. This was not just only a deliberate false advertisement and deceptive business practice, it also demonstrated Citibank 's customer service 's culture which is full of lying and deceiving. 

As a Citibank customer for more than 3 decades, I should deserve an explanation from Citibank management team, why Citibank breach their promise and refuse to credit the bonus they advertised? Why the Citigold account rep and the branch manager keep lying to their customer.
Consumer complaint received 2021-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Evergreen Recovery Solutions, LLC (CO)

enhanced recovery put this XXXX collection on my credit without notice which is a violation per the fair credit act. also it was disputed in XXXX of this year and removed becuase they had no proof it was mine and there was no validation of that. well on XX/XX/2021 i woke up to it back on my credit. i do not owe this debt period.
Consumer complaint received 2020-11-24
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (PA)

i have attached a copy of my report for this CB/Bon Ton account XXXX account. I do not owe them anything ... they shut down the store and have a mess going on with their reporting during their transition..thats on them. Ver irresponsible of them to hurt my credit score by reporting this inaccurate information..i have send them and all 3 credit bureaus letters to validate and verify this account for accuracy. How can they have conducted this thorough investigation for 100 % accurate reporting? they didnt ... .take a look at the reporting between the 3 bureaus it is all over the place ... delete this account now and do not resell this to collection agencies as then i will have to deal with this inaccuracy again
Consumer complaint received 2018-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

The company is XXXX XXXX XXXX located in XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and they are reporting on my credit report that I owe a debt from XXXX XXXX XXXX. I have sent them letters certified mail, return receipt asking for signature proof of the debt because I do not believe it is mine. when I write them, they respond with the same form letter, but nothing more, claiming " we are uncertain of what you are specifically disputing '', when I specifically say I want signature proof that I signed for the debt. Which I know I did not ... .They refuse to provide it and continue to report it on my credit. Based on the info they did provide, the debt is over 7-10 years old and while I have purchased computers from XXXX, I always paid by credit card so it was likely ID theft and again, they will not provide what I have asked twice to confirm I owe the debt
Consumer complaint received 2018-03-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I am with Bank of America. They have XXXX  built into the app. I thought it was a service very similar to XXXX/XXXX where if fraud occurs you can cancel the payment. It also advertises it as being secure. Which BOA having a contract with them makes it feel very secure. I was frauded on a concert ticket sale. The Confirmation number is XXXX. The amount was {$60.00}. Perhaps BOA should have a more reputable app built within their mobile platform one that has similar security to that of XXXX.
Consumer complaint received 2020-12-02
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. (NV)

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XX/XX/2020 via USPS certified mail. Per Federal Law ( Fair Credit Report Act ) the credit reporting agencies are required to complete a full re-investigation within 30-45 days. Unfortunately, as of today I still have not received any responses from XXXX  or TransUnion credit agencies. I did receive a response from XXXX  but they did not resolve all of my issues.
Consumer complaint received 2019-03-12
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

My private loans started with Sallie Mae and are now managed through Navient. At this present moment I am {$63000.00} in private student loan debt and my monthly payments are roughly {$480.00} per month. Ive spoke with several representatives whove misinformed me about co-signer release information. On XX/XX/2018 I spoke with XXXX, reference XXXX she informed me that after 12 on time monthly payments I would be eligible for the co-signer release program. This information was false, I spoke with representative XXXX, reference XXXX who informed me that borrowers who only pay interest on their private loans are not eligible for the co-signer release program. I have difficulty repaying my private loans due to issues with lowering my monthly payment. I am a single mother of XXXX children- the cost of living which includes rent, car note, daycare, not to mention groceries and clothing for my children make it very difficult and at times impossible to make on time payments of {$480.00} per month. It is unfair that Navient/Sallie Mae fail to educate college loan officers to counsel students appropriately when making the best financial decisions to pay for school, such proper counseling will also assist with lowering the students position of being in financial debt post graduation. I am constantly misinformed by Navient representatives. I am in dire need of assistance to lower my monthly private student loan payment so I can afford to care for my children.
Consumer complaint received 2021-08-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GUARANTEED RATE INC. (TX)

In XX/XX/XXXX we entered a forberance plan with Guarenteed Rate. According to the CARES act if the loan was in good standing when we entered the forberance plan, then the lender would continue to report the same status during the forberance period. Our loan was sold to " The XXXX XXXX XXXX XX/XX/XXXX. 

" Guarenteed Rate '' reported my loan as 120 days late therefore violated the CARES act provisions on forberance.

Due to the delinquency, it caused irreprable damage to my credit affecting other credit lines including my care credit card which was set asside for an imminent medical peocedure.

I've contacted guarenteed rate over the phone twice and both cuatomer service agents agree my loan should not have been reported past due, the issue was not resolved they did not fix the reporting. 

On XX/XX/XXXX I emailed them a request to formally request they update the credit reporting and havw not received any correspondance. 

This situation is making this diffucult time worst.
Consumer complaint received 2019-08-20
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Allegiance Accounting Services, LLC (VA)

Allegiance Accounting Services contacted me via phone number XXXX on XX/XX/19 stating that I owed a debt to XXXX XXXX. They had all the information, bank account information, drivers license number, last 4 of my social security number and stated they legally had to call me and tell me that on XX/XX/XXXX at XXXX they would be filing suit against me for the debt. I contacted my lawyer who stated to not pay the debt it was a debt collection scam. I also contacted the original debt owner, XXXX XXXX XXXX who advised that the company calling me was not the company that had the debt. They advised that it was fraud and to file a complaint with FTC about the occurrence. XXXX was professional with their help and stated to not pay the debt. A debt collector sends collection notices through the mail they do not call in attempt to collect debt. 

Alligiance Accounting services had contacted me a total of 5 times this day stating that they would file suit if I did not pay the debt and sent a link after i requested all files on the debt to be sent to me via mail and email, the link was to pay the debt only not any other documents.
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation (TX)

Paid debt with a collection company known as united revenue corp was paid on XX/XX/2020. Account was still sold to a different collection company known as XXXX XXXX XXXX claiming previous debt collector said they were not paid. I have sent the receipts and proof and refuse to get it off my credit report claiming they are waiting on previous collection company to provide information. I have tried disputing but XXXX XXXX XXXX still claim their information is accurate when it is not.
Consumer complaint received 2021-04-29
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 — Investigation took more than 30 days
Company: United Consumer Finance, Inc. (MA)

Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Consumer complaint received 2022-11-16
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. (PA)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure