davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (PA)

I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized SANTANDER CONSUMER USA Date of inquiry : XX/XX/2023 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-04-15
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. (NC)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2700.00} ; XXXX XX/XX/XXXX.
Consumer complaint received 2020-10-20
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. (PA)

I have Unauthorized accounts & inquires on my Credit report. According to the FCRA Any Unauthorized items on my report must be removed if not 100 % Accurate & Verifiable. Please Remove this From my report.
Consumer complaint received 2024-03-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A. (NY)

Please note that I have been a Citi gold client for decades prior to this. 
On XX/XX/XXXX, Citibank advised me, via a letter, that all my bank and investment accounts were being cancelled. No reason was given and subsequent phone calls either went unanswered or to an employee that could provide no information. I also went to my bank branch and dealt with my client services manager who told me that this has been a " wholesale purging '' of clients and that it was way above the bank 's ability to intervene or gain information on this dilemma. Within days, I responded to XXXX XXXX XXXX, who initiated transfer of my assets regarding savings, checking and my multiple investments. 
Citibank actually had the gall to charge me for these forced transfers ( {$75.00} each ). I left for an overseas vacation shortly after XXXX XXXX XXXX, returning on XX/XX/XXXX. Shortly thereafter, I was advised, via letter, that my three credit cards with Citibank have also been cancelled. Please note, once again, no reason was given, despite my meticulous record of payments for years with them. In their short notice, I was told I may write to receive a specific statement of reasons why my account was closed. Furthermore, {$77.00} in earned Dividend dollars and XXXX in THANK YOU points ( value {$260.00} ) will not be returned to me. My third Citibank card, an L.L. Bean Mastercard, despite being cancelled, offered 30 days to use my points ( XXXX {$0.00} XXXX ). As instructed, I immediately sent a letter to the Citibank address on these letters. I received XXXX responses this week, each saying practically nothing regarding reasons or answering why they were keeping a total of {$340.00} of money that I earned on the two above mentioned cards. I violated no terms on either of these credit cards.
Consumer complaint received 2023-04-15
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-09-11
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. (FL)

I am a victim of identity theft. Someone unknown to me is using my name and information and may attempt to access my accounts or open new unauthorized and fraudulent accounts. I filed the report XXXX with the FTC and contacted the creditors and bureaus
Consumer complaint received 2017-03-31
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (CA)

I had a dispute in the amount of {$240.00} with XXXX XXXX on my card ending in XXXX with the merchant. The most recent dispute reference number is XXXX. I detailed in the most recent dispute that the merchant was contacted to attempt to resolve this problem and they ignored my contacts. The merchant was supposed to fix a check engine light and did not do so, and I was billed. American Express is refusing to honor the Fair Credit Billing Act in refusing to provide a credit for services not properly rendered. American Express has not given me ample opportunity to tell my side of the story and refuses to refund the charge when a refund is due.
Consumer complaint received 2016-07-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Date : XXXX/XXXX/XXXX To Whom It May Concern : TransUnion XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also included the following minimum XXXX ( XXXX ) proofs of my current mailing address Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-04-29
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. (MD)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved, so it prompted me to check my credit report. I've reach out to the FTC and I've also made a complaint to the local precinct. The items listed are not mine and need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. There are also inquiries on my credit report that do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX RXXXX XXXX XXXX.
Consumer complaint received 2024-03-14
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Early Warning Services, LLC (NV)

I need to get my unemployment funds off this Nevada XXXX card into my overdrawn checking account from XXXX. I have spent all morning calling Zelle and XXXX in trying to get money into my account so that they don't tack on a {$29.00} overdraft fee with no success. If the states are going to these payment/debt cards they need to make it easier in having the funds directly linked to bank accounts etc. I am computer literate and this whole process has not been thought out properly by the states implementing these cards and the banking system. In the mean time I am racking up overdraft fees.
Consumer complaint received 2020-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (GA)

I have been contacted by, to date, 8 different collection agencies who are attempting to collect a debt on behalf of XXXX XXXX. The problem is that I DO NOT and have NEVER had an account with XXXX   XXXX. All of these agencies have investigated this and determined that I did not, in fact, have an account with XXXX XXXX and that my identity may have been used to establish this account and have closed their files and returned the account back to XXXX XXXX. XXXX XXXX ignores the investigation findings and then sends the account to a different collection agency and the process starts all over again. 

Currently, I am receiving calls and letters from 2 completely different collections agencies, at the same time, both stating they are working for XXXX XXXX and they are the proper one to be handling this account. Both have been advised this is not my account and that I DO NOT nor have I ever had an account with Dish Network. How is it even legal for two completely different collection agencies to be trying to collect the exact same fraudulent debt at the exact same time? 

I have gone online to XXXX XXXX 's site and completed the identity affidavit numerous times, which they keep telling me will bring a resolution once and for all, but that only seems to get this fraudulent debt sent to another collection agency and the process starts all over again. 

I am attaching the letters from both current collection agencies as proof there are in fact 2 different agencies attempting to collect this fraudulent debt at the same exact time.
Consumer complaint received 2020-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I recently checked my credit score and noticed some unfamiliar items that need to be removed. The accounts listed below are reporting inaccurately on my credit report and is in violation of the Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE all information which can not be verified or reported inaccurately. '' The law is noticeably clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights  under the FCRA. I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-07-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

INQUIRIES WERE REMOVED AND LATER RE-INSERTED WITHOUT NOTICE OR EXPLANATION. 

XXXX XXXX -- -XX/XX/XXXX. 
XXXX XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX. 
XXXX -- -XX/XX/XXXX. 
XXXX -- -XX/XX/XXXX, XXXX XXXX, XXXX. 
XXXX -- -XX/XX/XXXX.
Consumer complaint received 2015-12-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I paid the full balance that was given to me over the phone with a debit card & thought it was resolved.The rep was satisfied & never told me the correct amt ( I guess ) Many month afterwards I kept getting notices by mail & phone that I owed a {$3500.00} late fee. That turned into the {$330.00} in collections, I spoke to a rep & tried to resolve this & pay the original {$35.00} if they sent me a bill reflecting that amt. 
They agreed to send me one, but I kept receiving a statement for {$330.00}, so I got nowhere & referred the acct to collections. Told them the same story & they have my original pymt on record & they have n't worked with me. {$35.00} turned into {$330.00} Unfairly!!
Consumer complaint received 2017-09-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (VA)

American Education Services on behalf of XXXX. 
Student loans debt XXXX Wont lower payments I filed Chapter XXXX Bankruptcy Company has hired XXXX XXXX XXXX to collect. 
Have asked company to speak to my lawyer regarding student loans and after sending the company multiple emails with third party release for attorney. Paperwork goes missing and they continue to say they have n't received documents.
Attorney has repeatedly asked for documents for the trust and how the loan was required through AES.
Consumer complaint received 2017-02-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC. (GA)

A leasing company XXXX AT XXXX XXXX XXXX XXXX filed a claim against me at the end of my residence in 2015, I thought we had come to an agreement by the time I left. However, this previous account and charges that I do not owe, were sold to IQ data in XXXX XXXX XXXX now there 's nothing I can seem to do to prove to them I do n't owe this debt!
Consumer complaint received 2023-04-15
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. (IA)

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS BELOW HJAVE VIOLATED MMY FEDERALLY PROTECYED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
XXXX XXXXXXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX HAS VOILATED MY RIGHTS. 15 U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C.1681 SECTOIN 604 A SECTION 2 IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C. 1681c ( a ) ( 5 ) SECTION STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THAN RECORDS OF CONVICTIONS OR CRIMES WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY ONFORMATION REL ; ATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

My credit report is showing an error with the acoount XXXX XXXX XXXX of XXXX XXXX . They are showing this account as a closed account. This is an active account with payments made and up to date. If possible, confirm with the financial institution or do whatever is necessary, but eliminate the chargeoff status, because it is not correct and it is affecting my credit. Federal law protects me and I have the right to have correct information on my credit report.
Consumer complaint received 2021-11-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To somebody who can help me please!! I am deeply very super upset about the enormous crazy things I see on my credit report these accounts are unverifiable invalidated in accurate and very much so questionable if everything is not reporting 100 % accurate it must be removed which it is stated in the FCRA 15 US Code 1681i last time I read it the law is the same.
Consumer complaint received 2020-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (CA)

I have been making timely monthly payments to XXXX XXXX for a credit debt owed XXXX XXXX. I asked each and every month to receive a monthly statement, to date I never have, just notices telling me to keep making my agree upon payments. I paid the same amount of {$300.00} on XX/XX/2020 through my bank again asking for a statement. I am now receiving notices from a company called Radius, stating I have not made the {$300.00} payment and stating I am late. Again, never receiving any statement at all. I was NEVER notified that XXXX  XXXX had turned this over to whoever Radius is, although I now paid Radius the {$300.00} timely payment on XX/XX/2020.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLANET HOME LENDING, LLC (GA)

PLANET HOME LENDING IS ATTEMPTING TO FORECLOSURE ON MY PROPERTY XX/XX/XXXX WITH AN ASSIGNMENTS THAT ROBO SIGNED. MY SECURITY DEED WAS RECORD WITH XXXX in XXXX.There is a gap in the chain of title.The assignments were created after the Corporations were dissolved. XXXX, and XXXX both signed as Vice President on the assignment dated XX/XX/XXXX both of them are well known robo signers, and the assignment that is recorded XX/XX/XXXX is also fraudulent with XXXX transferring alleged ownership to Planet Home Lending. Fraud is clearly present in the recording of the ownership.
Consumer complaint received 2015-04-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX account # XXXX I did not sign up for XXXX in XX/XX/2008. This is inaccurate and most likely fraudulent activity. I did not have an account with them then. I do not owe XXXX anything neither do I owe this collection agency anything.
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WV)

I have had numerous problems with Green Tree Servicing. I ALWAYS pay my regular payment plus an additional {$50.00} each month for the principal. In many cases, the principal is not posted to my account. For my last payment, this company only said I paid {$110.00} when in fact I paid $ XXXX.Also, my principal payment was not credited. I have been given NOTHING but the runaround from this company!
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

I have included in this complaint a photocopy of the account in question. XXXX is reporting to me that I am 60-90 days late and I have NEVER BEEN LATE. I have impeccable credit and this is hindering me due to their neglegance and error. One account is showing with the same balance closed and transferred and then it shows in the next the same amount as late. I have contacted them several times and someone in their office said they would correct the issue but they never did.
Consumer complaint received 2020-06-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (CA)

I refinanced a home loan from FHA to conventional. XXXX  will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call XXXX because it's a total circus!
Consumer complaint received 2017-05-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I initiated a wire transfer for {$2500.00} on my account on  XXXX   XXXX ,   XXXX   and on  XXXX   XXXX , I submitted a stop payment request for {$2500.00} and entered  XXXX  in the check number field. A {$25.00}  Stop  Payment fee was charged for the request.  Chase Exective Office,   XXXX   XXXX   XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , TX  XXXX .   XXXX   XXXX   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , Oh,  XXXX , Care of  XXXX   XXXX , account no.  XXXX . Bank  XXXX  code :  XXXX .
Consumer complaint received 2017-05-25
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NY)

On or about  XXXX / XXXX / 2015   Wells Fargo Home  Mortgage sent {$6800.00} from my reverse mortgage account to the   XXXX   XXXX    XXXX , NY to pay Real Estate Taxes on my Residence at  XXXX ,  XXXX   XXXX   XXXX ,  XXXX , NY  XXXX  This   action was WITHOUT MY KNOWLEDGE This action was WITHOUT MY CONSENT Six ( 6 ) days later ; ON THE DUE DATE ; I paid the same amount.
I subsequently contacted Wells Fargo ; made them aware of the problem and REPAID the sum of {$6800.00} to Wells Fargo Home Mortgage.
Despite many contacts with this Bank and in the company of the thousands of other Citizens who have had this Bank commit all manner of unauthorized transactions I have not been able to have this matter corrected.
TO THIS DAY, WELLS FARGO CONTINUES TO SHOW THIS DEBIT OF {$6800.00} AGAINST MY ACCOUNT TOGETHER WITH VARIOUS CHARGES WHICH THEY HAVE APPLIED FOR THEIR UNAUTHORIZED ACTIVITY.
Consumer complaint received 2016-04-24
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for a credit line increase with AMEX during XXXX 2016. When they responded they did not give an exact reason why my credit was declined. I have contacted them several times by phone and in writing asking what specific reason my request was declined. They have never responded to any written letter ( XXXX letters ). I have asked for the name and address of the credit bureau that was used in this credit making decision. They have never reported this information to myself as required my U S Laws. please ask them to respond to my letters and give me the name and address of the credit bureau used in making this negative credit decision.