davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Ameritech Financial (IA)

I have student loans for which I will qualify for the Public Service Loan Forgiveness program when meeting the terms of 120 on time payments to consolidated XXXX XXXX and working for a XXXX company during the time of those 120 payments ( 10 years ). I thought I had met the terms as of XX/XX/XXXX but found out my loans were not consolidated. At that time ( XX/XX/XXXX ), I was contacted by Ameritech Financial. I was led to believe I needed them to get my loans transferred to XXXX XXXX and consolidated. They also convinced me that in order to quality for the PSLF program, I needed them to keep documentation of my payments and paperwork needed, they told me this was one reason why I was turned down when applying for the PSLF because I did not have the 10 years of documentation.I believed they were a part of XXXX XXXX. They sent me forms from XXXX XXXX to get filled out ( Income Based Federal Form, General Forbearance Request Form ). I also had to send them Pay stubs, XXXX Tax return, bank routing information and signed releases to get my loans consolidated with XXXX XXXX.I was told everything was ready and beginning XX/XX/XXXX, I would be paying {$74.00} that goes to XXXX XXXX XXXX and {$99.00} that goes to my loan, then after 13 months the {$74.00} would no longer be needed to process all this and {$99.00} would be my loan payment.They also created my account in XXXX.

I recently received a letter from the FTC dated XX/XX/XXXX stating Ameritech is being sued or deceptive practices and outlined what I needed to know and steps I can take about it. I was devastated to say the least, I was mislead in a huge way and gave personal information to a company I thought was working on behalf of XXXX XXXX who has done nothing but steal my identity and my money for now 17 months.! I tried logging in to XXXX  to find out the security questions were changed and so I could not access my account. I called XXXX XXXX  and spoke to them and found out the {$99.00} that Ameritech set up as an auto withdrawal out of my bank account for 16 months was not going to my loan at all. I contacted my bank to stop the XX/XX/XXXX payment but they will charge me {$22.00} to do that and said if Ameritech ( XXXX XXXX XXXX ) changes a letter in the name ( XXXX  ) the money goes to or even the amount by a dollar, the stop payment will not catch that so the only way is to call them to stop the payments. I did call Ameritech but got an answering service to only be able to give a message and was told I would be called back in one or two days. The message I left was : to cancel my account, request a full refund and stop the XX/XX/XXXX and further payments to them. I made that call on XX/XX/XXXX - have not heard back yet.
Consumer complaint received 2024-05-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Upgrade, Inc. (FL)

On XX/XX/XXXX XXXX XXXX some how when I was sick stoled my card and took out XXXX dollars and the part I tried explain to upgrade which they agreed I never even come close to that amount at one time and they did find that suspicious especially since it went through cash app which then puts her name on cash app and on their account, and they still didnt see that suspicious, any they said if i didnt heat from them 10 business days they would credit my accunt, they didnt, i call them and a man answered and said this he never saw thet done nothing mo credit no update no notes he said he going leave note put me credits this wasvon the tenth busines day i wrote the dispute ob the XX/XX/XXXX, so todsy i havnt heard then the woman said they denied me cause was longer 120 days thst was lie she read letter she said sent my home well i hung up and called back talked another woman 's she said mo it hadnt been 120 days they denied ir cause the merchant denied wrong doing but it plain to see that not my name they giving me diffent reasons they denied, thet let someonec steal my money and never took that much oyt out and not my name ans didnt find that suspicious
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

The company has asked that I pay a debt for {$670.00} & {$53.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  that they can't show that I owe the debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX  keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM
Consumer complaint received 2018-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

I have been trying to renew my Income Driven payment plan since XX/XX/2017. My income went from 19. hour to 14. hour I have called every month since the above date.

Every time I call I speak with a different person who insists that my account will be brought up-to-date That still has not happened.

I want someone to please help me with this problem I am having with the Navient Student loan agency.

Please let me know what I can do to become part of this class action suit.

My email address is XXXX XXXX XXXX
Consumer complaint received 2017-06-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX   XXXX   is retaliating on me cause I reported them on their scams. They fraudulent sent a late payment on my credit report. I not too long ago paid them  XXXX  they know I just started working I need to file a report in them with the feds on their deeds monday. And then it says on my report that my monthly payments are  XXXX  and that 's a lie! I am going to make sure  XXXX  pays for their lies all the time.
Consumer complaint received 2023-01-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (NJ)

Citi illegally and secretly cancelled my debt protection insurance with the company XXXX XXXX which was linked to my Sears mastercard. Citi is refusing to provide a reason for the cancellation and is refusing to reinstate it. I have been trying to get this resolved for at least XXXX years. The most recent rep I communicated with via XXXX is now ignoring me. When I emailed customer service all they could say was the insurance was cancelled in XXXX XXXX, however XXXX XXXXXXXX says it was cancelled in XXXX XXXX XXXX XXXX says they could not re enroll me but Citi claims they can. As the insurance is offered by the bank it is clear Citi is the one being dishonest and fraudulent. They owe me compensation for this insurance that was cancelled without my knowledge or permission.
Consumer complaint received 2018-03-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/XXXX I called XXXX to remove inquiries that I did not authorized. I spoke with a XXXX XXXX that was handling my request. In the midst of our phone call, as he was confirming the inquiries that I needed to be removed/deleted, the call was disconnected. I called back and another XXXX XXXX received my call. I explained to her what happened and how the XXXX XXXX was in the midst of deleting the unauthorized inquiries and she could continue as well and she told me that she couldn't do it, again I explained on how the other XXXX Rep was in the processing of deleting these unauthorized inquiries, however she did not care. Needless to say, she didn't help with what the other XXXX XXXX was more willing help me with. There is several inquiries that I did not authorize to pull my credit, some of the same unauthorized inquiries was pull several times. XXXX XXXX was pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. None of these places had my authorization to pull my credit or anything relating to this matter. I also contacted TransUnion on XX/XX/XXXX and spoke with a XXXX XXXX who also told me that they doesn't remove/delete inquiries. I will have to contact all creditors and have them to send a deletion letter. I also called XXXX on XX/XX/XXXX whom as well told me the same thing TransUnion stated except they put a XXXX alert on my credit file and still wouldn't help me with these unauthorized inquiries.
Consumer complaint received 2022-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CO)

I HAVE REACH OUT TO EXPERIAN MULTIPLE TIMES ASKING THEM TO REMOVE THESE OUTDATE INVALID ACCOUNTS. THE ACCOUNTS ARE REPORTING AS CHARGED OFF ACCOUNTS WITH AN ACCOUNT BALANCE AND THEY ARE OUTDATED - XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (NY)

l noticed 3 inquiries on my credit report .l dont recognize them XXXX XX/XX/XXXX Syncb XXXX XXXX XXXX th XXXX XXXX XXXX XX/XX/XXXX l found those 3 inquiries on mycresit reports l tried many to tell them l never applied for a credit card or a loan for over 2 years.
Consumer complaint received 2020-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

I am unable to change my contact email address or turn on paperless statements because of website errors.

I have emailed them and called them and they have not fixed the problem with their website.

There is a reason they have an average 1.5 star review on XXXX  ....

You will literally never get a response from XXXX even though that is what they tell you to email for problems ... ...
Consumer complaint received 2020-07-22
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)

There are several items that are reporting inaccurately on my credit report : INCORRECT PERSONAL INFORMATION : Names : XXXX XXXX Address : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) Address : XXXX XXXX Hwy XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX & Equifax ) THESE ITEMS DOES NOT BELONG TO ME. IT IS REPORTING EITHER IN ERROR OR BY MEANS OF IDENTITY THEFT : XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) ; Status states Included In XXXX ; UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( Equifax ) UNKNOWN - Collection Account ; Opened : XX/XX/XXXX ; Bal : XXXX ( Equifax ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; Opened : XX/XX/XXXX ( XXXX & Equifax ) ; Bal : XXXX INCURRATE REPORTING OF PUBLIC RECORDS : BANKRUPTCY - CHPT XXXX -FILED XXXX The following inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) SCREENING REPORTS XXXX XXXX XXXX ( 2 TIMES ) XXXX ( 2 TIMES ) XXXX
Consumer complaint received 2023-03-02
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

Thanks,
Consumer complaint received 2022-10-06
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (FL)

I was notified that someone reactivated my Macy 's card which I had not used in years in XXXX, and again on XX/XX/2022. I contacted Macy 's and closed the account. I filled a Police report, FTC report, etc, etc. I am still awaiting resolution of nearly {$1200.00} in charges for XXXX XXXX clothes on my Macy 's card back in XXXX. The company does not believe me that I did not make these charges!
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (WI)

I have XXXX hard inquiries on my credit report. 

I reported fraud XXXX times with the FTC. Files XXXX police reports as well. 

XXXX with XXXX XXXX and XXXX Police XXXX. 

I would like to have the inquiries removed. 

Also there is XXXX item that is not my account with Portfolio Recoveries Acct # Accounts # XXXX and XXXX. 

Please help as I have sent in a request to XXXX on XX/XX/year> and was requested to send the original letters. I sent it again on XX/XX/year> and XX/XX/year>. 

Thanks
Consumer complaint received 2023-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (NV)

I have sent letters I have also disputed the information thru the company and they have not removed them or sent me any written consent to me giving them permission to report these inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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)

XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  n accordance with the fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The US courts further confirmed this debt was never validated.
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

Under the new Law effective XX/XX/2017 any public record data must include the Name, Address, SSN and DOB to legally appear on the credit file. The Credit Bureau has failed to update my credit report in accordance to the law. My credit report does not contain the information required by law to be reported as such, I am requesting the immediate removal of all and any records including the fictitious reporting of the bankruptcy. The us court has verified this debt was never validated and it is not being reported correctly.
Consumer complaint received 2024-06-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (FL)

Citi bank denied credit card 15 subsection 1611 Denial of credit ( unlawful ) 15 usc code 1692 J These are your codes. I did not pull them out of a book.

Its my job to make sure you enforce these codes.

The consumer finance protection bureau must enforce these codes. 

I am a XXXX XXXX XXXX not a XXXX XXXX  XXXX laws dictionary meaning uncompendent XXXX. 

I will make sure these codes are enforced. Under my fee schedule I can give you {$50000.00} For not following the United States codes ucc and usc codes.

I can also fine you {>= $1,000,000} per attempt for billing my social security number. This is why u ask me for my social security number to get access to my account as a authorized agent. This is not to protect me as all your companies say. Thats a ly.
Consumer complaint received 2021-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

Equifax didnt preform a reasonable investigation as required by the Fair Credit Reporting Act on XXXX XXXX XXXX account XXXX. Equifax didnt provide me with the proof documentation I requested proving that I was late on XXXX. 

Equifax have violated the Fair Credit Reporting Act requirements by not reporting the notice of dispute with this account.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have reached out to this company and received no response. I have attached below the letter. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Re : Account # XXXX To Whom It May Concern : Your company is reporting the below-referenced account on my credit report as a collection account. 

Account # XXXX is reporting as a charge off with a balance which is not correct. I am asking that you please delete this account on all my credit reports immediately. 
I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you, please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. 

XXXX XXXX
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (VI)

On XX/XX/2022, I contacted XXXX XXXX XXXX to obtained information by mail and phone. I called from XXXX. The rep hung up. I sent mail for other a year no response. I'm trying to obtain information for XXXX  Personal Loans. However, no response from the company. I would like the initial letter from your company, including the loan documents with my signature on them to examine and inspect the account in question. After, receipt of the document, if the loan is determined to be mines. I would like a settlement between 65 % -75 % of the balance. I would like a letter from discover that they agree to not sell the account if such action for settlement is reach. 

Also, I would like the status on account and the age on the account. If, the account is time barring. 

This company doesn't have a business license in this territory. If so please provided your business license XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-22
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. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

This will now be my third attempt in resolving inaccurate information being reported to my credit in direct result of identity theft. These accounts are unverifiable and affecting my ability to obtain lines of credit. This information reporting to my profile is in violation of the FCRA laws.

I have the right to privacy, and reporting information without my written consent is in violation of 15 USC 1681B Furnishing account in direct result to my credit profile is in violation of 15 USC 1681 c-2