davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

See attatched XX/XX/2019 USAA statement. First page CONFIRMS CREDITS XXXX  {$200.00} {$280.00} {$150.00} XXXX {$230.00} Next page Continues with $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX ( TOTAL CREDITS SHOWN with minus signs above total line FOR THIS PERIOD IS TRUTH ** IS AN INCORRECT TOTAL OF THESE CREDITS. CORRECT TOTAL IS {$2.00}, XXXX. WHY IS USAA IS MISSING {$1.00}, XXXX CREDITS. USAA TOTAL CREDITS THIS PERIOD ARE ONLY {$910.00} all merchants credits. THIS IS INCORECT MATH. THIS IS SUPPOSED TO BE A ** TRUTH IN LENDING STATEMENT. USAA DECEIVES. ( USAA ONLY PRETENDS TO GIVE CREDITS BY LISTING THEM ) ** Kindly Note with cute little ( - ) MINUS SIGNS that ARE NOT INCLUDED IN TOTAL CREDITS. Then REVERSES MERCHANTS CREDITS AS USAAs LEAVING CONSUMERS WITH THE ORIGINAL FRAUD AS IF MERCHANTS CREDIT WAS NEVER PROVIDED. HUH?? USSA POSTS A NEW TRANSACTIONS FROM CREDITS NOT APPLIED??? HOW DECEPTIVE??!!! THIS IS NOT TRUTH IN LENDING FAIR CREDIT!!!
Consumer complaint received 2017-09-23
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (CA)

I have an open credit card account with Citibank, and have consistently communicated to them that they have the wrong phone number on my account. The phone number listed has not been active for nearly 5 years. As seen in my log-in earlier today, Citibank continues associate my account with the wrong number ; as such, I am rarely able to access my account. Attached is an image showing the associated wrong number despite the corrective actions Ive done on a consistent basis to update my information with Citibank. 

My concern is that Citibank is inaccurately reporting a XXXXdelinquincy on my account. I have had good credit for the past 10 years, but Citibank recently reported a XXXX delinquency XXXX approximately {$260.00} XXXX and never properly communicated to this balance and failed to properly communicate to me even at the XXXX delinquency. 

I tried resolving this issue with Citibank immediately once I found out about a past due balance as I thought this to be an unfair representation of my credit. Ive never had a delinquency reported payment on my credit. Immediately after finding out about this past-due balance, the same day I made sure to make a full payment to ensure that Citi was paid in full. 

On or about XXXX XXXX XXXX my Citibank representative admitted to have called the incorrect number when communicating to me about the XXXX delinquency ; this was the same day I made a payment to Citibank. I also explained to the representative that this was not fair and that I have communicated numerous times about the number indicated was wrong. Despite my explanation and efforts to remedy the reporting, Citibank communicated to me that they would not reverse the XXXX delinquency. My actual payments posted on XXXX/XXXX/XXXX which resulted in my balance with Citibank to this day to be {$0.00}. 

On or about XXXX XXXX, XXXX Citibank representative confirmed that she had updated my correct information for my mobile/home phone number. I only have one number. Interestingly, when I log online, the phone number shown and associated to my account is still wrong. 

In addition, Citibank had stopped sending me paper statements and, instead they started sending e-statements. I revisited my emails and looked to see if I had received some warning or notification, but no XXXX or XXXX delinquency messages were found. On or about XXXX XXXX, XXXX, I verbally communicated to my Citibank representative that I would like to continue receiving my paper statements. 

As a result of this miscommunication, the incident worth {$260.00} negatively impacted my credit score and reduced this by approximately 100 points. I am hoping for your consideration in remedying this XXXX delinquency reporting, which I feel to be an untrue reporting of my actual creditworthiness. I truly appreciate your time and consideration on the matter.
Consumer complaint received 2020-12-09
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Direct Account Management (AL)

The company Direct Account Management contacted me on XX/XX/2020 XXXX yesterday ) in regards to possible student loan forgiveness. They seemed to be a legitimate company due to personal information regarding my loans they were able to provide, but I now believe they are fraudulent. They called to help me fill out an application to see if I qualify for any Federal programs for loan forgiveness and/or repayment. Using my personal information, like my social security number and emails, they were able to access loan servicer accounts ( XXXX XXXX, XXXX XXXX, and my FSA ID account ) to see how much I owed. They said they submitted the application and required paystubs ( which I did not provide ). My " loan advisor '', XXXX XXXX, said I qualified for income-based loan forgiveness and explained to me how much I'd be owing to the program ( it was explained that the program would pay off the servicer and I would pay the remaining part of the loan, that was not forgiven, back to the program ). After this he provided documentation that I needed to sign virtually. I was not given enough time to actually read and fully understand what i was signing and pressured me to sign it, which i did. I did not feel comfortable signing the document and I did not understand what was actually in the document. They had access to my parents private information when looking for my loan information and it is unknown if they used it or plan on sharing it ( or mine ) at this time. 

I have been trying to cancel all services with them, as well as, rescind all information that was provided and documentation that was signed. 

The following documents were signed and are attached below ( all information blocked out ) : - Document Preparation and Service Agreement - Exhibit " A '' to Service Agreement Fee and Service Schedule - An Exhibit " B '' was not listed - Exhibit " C '' to Service Agreement - Disclosures and Acknowledgements - Limited Power of Attorney - Selection of Method of Payment
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc. (CA)

COMMONWEALTH FINANCIAL XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX This company continues to report inaccurate and unverifiable information to my report. I have noticed an account with a balance of {$910.00} reappearing with changed information. The company continues to change the date opened on the account so it appears recent. The account is currently reporting the account to be opened XXXX 2018. I have seen the date change many times. The account is in collections on my report but reporting as Open. I have requested this account to be removed with the company with no progress or response. This is a violation and needs to be removed immediately.
Consumer complaint received 2020-11-16
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 am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts from my credit report immediately. 
The information is not information relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Consumer complaint received 2017-09-23
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: Resurgent Capital Services L.P. (IL)

I have a debt on my credit report of {$1800.00} from a company called XXXX XXXX XXXX Says it was opened on XXXX XXXX, 2013. It was purchased from another company called XXXX XXXX XXXX XXXX. It states that the original balance was {$2400.00}. I have no idea who either one of these companies are. I tried to find out if there is another original creditor. I also asked if this was mine, when was the last payment that I made? Does this company have to give me this information? Can this fall under time-barred?
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX refused to refund me the interests paid on the loan already paid. The account had been paid in full, with additional interest paid out of pocket. They are also reporting inaccurate, negative information on my personal credit report causing grave stres when applying for credit. They refuse to send me my car title, and refund me my money already paid ( interest ) on a loan that was already paid.
Consumer complaint received 2022-11-17
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. (SC)

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX  ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX ), XXXX XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2020-11-16
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. (CA)

These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts as soon as possible
Consumer complaint received 2017-09-23
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: Experian Information Solutions Inc. (TX)

I have tried to submit a dispute with the credit bureaus and I keep getting a file can not be located. I sent for a claim to be disputed on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time they have sent it back saying my file can not be located. This is unethical and against the law. There 's is only one person with my name, address, Date of Birthday, and social security number. Which I have proveide to them on every letter. They not wanting to do their job and they refused to do their job. They should be held accountable. I ask for the bureaus to remove the account that does n't belong on my credit file. After their investigation, send me a copy of what they just to verified the account if they deemed the account to be mines. I have already spoken to the business that stated the account was mines and they could not provide me any documentation that the account belongs to me. So why is the accounts still on my credit file. Why have n't the credit bureaus sent me anything documentation which stating the account belongs to me. They 're not granting my request of permissible purpose, and if they do have permissible purpose, where is their proof? Where 's the promissory note or contract with my signature binding me to the contract. The representative told me over the phone that the my used a screenshot of what the creditors sent them to verify the accounts. That 's against the law.
Consumer complaint received 2020-12-04
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

We were originally supposed too close on XX/XX/XXXX, since then we've had multiple addendums for extensions. These extensions also cost me an additional {$2500.00}. All closing documents were signed on XX/XX/2020, yet Bank of America has yet to wore transfer the funds into the escrow account. According to the contract, FHA guidelines, and loan documents, this transfer should have taken place within 24 hours of signing. I have over {$20000.00} sitting in escrow, yet I still get a key to get into my home. All closing costs were paid. Please help! Bank of America is not answering my calls, and they keep giving all parties involved excuse after excuse with no definitive explanation.
Consumer complaint received 2020-10-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

THE INQURIES LISTED ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS USING MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-04-28
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. (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 XXXX XXXX {$150.00}
Consumer complaint received 2022-08-13
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. (AZ)

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to XXXX, Equifax, and XXXX Credit Bureaus was dated XX/XX/XXXX and sent a follow up Letter dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I am submitting this compalaint requesting that the Credit Bureaus correct the following items to protect my rights under the Federal Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DEPTEDXXXX  XXXX XXXX : {$1200.00} DEPTEDXXXX  XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXXXXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-13
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2017-09-23
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)

this is in regards to Equifax 's data leak from their web application reported by XXXX on XXXX XXXX 2017,  and that you were listed as a potential victim
Consumer complaint received 2017-09-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Regional Management Corporation (TX)

On XXXX/XXXX/XXXX, I was contacted by a XXXX from Regional Finance located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, stating that I had cashed a check for {$2400.00} on XXXX/XXXX/XXXX and that I had missed payments. This was the first time I heard of Regional Finance, and I did not cash a check for {$2400.00}. XXXX, from Regional Finance, informed me that Regional Finance buys information from credit card companies, pre-approves people for payday loans, then mails the payday loan to the address. Unfortunately, the check got mailed to a previous address of mine, and someone else signed the check in my maiden name and cashed the check. XXXX, from Regional Finance, informed me that my driver 's license was on file, but when she read me the driver 's license number on file, driver 's license number on file did not match up with the number on my driver 's license. They also told me that the email address on file was XXXXXXXXXXXX, which is not my email address. I asked XXXX, from Regional Finance, how they got my telephone number, and she said they " googled it. '' XXXX, from Regional Finance, also informed me that if I did not come into their office to sign an affidavit, my credit would be affected.
Consumer complaint received 2017-09-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NC)

CITI closed my Home Depot credit card without prior warning. The account was in good standing, payments were set on autopay. I 'd been a loyal customer for many years. They said they closed it due to too many credit inquiries, which I do n't see how that is any of their business. This bank has the right to close account of course, but how they are doing it is unfair to consumers. They should provide a few days notice at least so you are n't caught off guard with a rejected card in public.They should not be allowed to do business this way. I performed a search online to see if this has been happening to others and found several complaints going back many years. If there is anything you can do to make them change this practice, it would help consumers. We deserve a little advance notice. It 's so unfair.
Consumer complaint received 2021-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (NC)

I have requested that they provide me with documentation that this account belongs to me. Also I have not received proper notification prior to it going to collections. I provided my ID, Social Security, start date of current lease, attempts to login their system which I am in return rejected, and a dispute letter. They are attempting to utilize the information that I provided them with and change account information that I have no knowledge of and change the start of collections over with out notifications. I have disputed this with the credit burial and the debt collector. The credit burial have sent me my dispute results and it reads address in question is deleted and found not mineand the consumers concluded that the information they have is accurate. Impossible I cant login to their system with my personal information. The debt collector have received all required information from me and have not provided any information that this account belongs to me they have updated this account utilizing the information given by me to disclose Im not responsible and held me accountable which is unlawful and unacceptable.
Consumer complaint received 2023-01-10
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. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed from my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX