davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-19
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: Experian Information Solutions Inc. (IA)

Hello my name is XXXX XXXX and I'm submitting this complaint on behalf of myself in hopes to resolve this matter for good. I've been requesting debt validation from XXXX XXXX which is attempting to collect a debt from me with has not been legally validated or supported with evidence THEREFORE THIS ACCOUNT MUST BE DELETED. Below I'll attach the letter I sent to them and what I asked for. 

Heres what was sent to XXXX and requested : HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH XXXX XXXXXXXX. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN. 

I demand that all of the above conditions be met and presented in Affidavit format sworn under oath or attestation, under penalty of perjury and upon your full commercial liability. Due to the urgency and seriousness of this allegation, I will give you fourteen ( 14 ) days to respond. If I do not receive such a response conforming to the above criteria within fourteen ( 14 ) days of the date of this letter, it will be deemed a tacit agreement by your acquiescence that the debt is null and void and non-existent and that permanent lawful estoppal will have been gained.

Your failure to provide Proof of Claim in the form of the above reasonably requested specific items will comprise the tacit procuration of XXXX XXXX XXXX  agreement to the following terms and conditions. 

1. XXXX XXXX is a third party interloper with no first-hand knowledge of the facts of the matter. 
2. XXXX XXXX ( or any of its affiliated agents, parent companies, proxies, etc ) does not have the legal right or lawful authority to attempt to enforce collection of the invalid claim and will not attempt to do so in the future. 
3. XXXX XXXXXXXX ( or any of its affiliated agents, parent companies, proxies, etc ) has no authority to adversely affect the credit rating of XXXX XXXX and that any negative remarks made to any credit reference agency will be removed. 
4. XXXX XXXX ( or any of its affiliated agents, parent companies, proxies, etc ) does not have the legal right and lawful authority to sell the alleged liability, pass it back to its client and/or appoint an agent to act on its behalf in this matter.
Consumer complaint received 2021-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (GA)

Summary : CitibankSummary : Citibank failed to properly address my dispute. My dispute related to an overcharge on the card for goods and services I had received. I wrote a detailed letter highlighting that my issue related to overpayment for goods and services I had received. Citibank failed to properly address my concerns and didnt address the issue of overcharge/overpayment, Citibank responded that the services were rendered. I have also asked for Citibank to provide more information on which they made their judgement and the Merchants response to my detailed letter. After 3 attempted calls, Citi have not provided this information. 

Details : On XX/XX/2021 a charge was posted to my account of {$2800.00}. I opened a dispute on XX/XX/2021. 
On XX/XX/2021 I provided detailed evidence explaining that my dispute related to an overcharge/overpayment that needed to be corrected. 
On XX/XX/2021 Citibank requested further information as documents were lost or damaged. 
On XX/XX/2021 I provided this further information Citibank declined our dispute on XX/XX/2021 Complaint 1 : Citibank failed to resolve the case, appropriately investigate our issue or provide a logical explanation as to why they had declined our dispute. 
As per our detailed letter : This item is an overcharge and needs to be corrected I am requesting a refund for an overpayment of amounts paid over to XXXX XXXX XXXX XXXX for the following reasons Citibanks response was as follows : we are unable to assist you because you received the services for which you contracted This is a violation of consumer rights because it not address the main issue of our dispute being an overcharge/overpayment. It was also illogical as it had not addressed our primary reason I have made over 3 attempts to obtain the documents that merchant has sent to Citi but so far Citi has not provided these documents.
Consumer complaint received 2020-09-04
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: Experian Information Solutions Inc. (FL)

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX  XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so. 

For XXXX 1. why is there a monthly payment on this closed account Delete this account immediately XXXX XXXX XXXX Account Number : XXXX How can there be a past due on this charge off account? Delete this inaccurate account. 
2. Validate Account XXXX XXXX Account Number :  XXXX The dates last reported don't match please supply me with information how you verified this item. 
3. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 4. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.

For XXXX 1. Validate Account XXXX XXXX Account Number : XXXX The dates last reported don't match please supply me with information how you verified this item. 
2. HIPPA VIOLATION REMOVE XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. XXXX XXXX Account Number : XXXX The account status and date opened is inaccurate to the 3 bureaus. I don't have contractual relationship with this company. Please provide me the name and address of the original creditor. Pursuant, the Fair Debt Collections Practices Act Section 809, cease and desist the reporting of this item until you do so.
Consumer complaint received 2024-02-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-05-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (LA)

Our home was destroyed by not one but two hurricanes in XXXX of 2020. We have provided all information loancare has asked for from us and our insurance company. We have done all inspections and they do not agree with our inspector and refuse to serve us remaining funds. We have had an open request for 67 days now and still no answer from them.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (FL)

I have bank loan for XXXX I payed XXXX back. Now my car loan says my original balance was XXXX now and I owe XXXX back. Because I lost job due to Covid. Not a good look on my credit.
Consumer complaint received 2022-09-18
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. (OH)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have privacy rights.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for a purpose. 

The payments were never late.
Consumer complaint received 2021-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I contacting the credit bureaus over TransUnion over 60 days ago and they have yet to comply with what I asked the to do. I recently got a copy of my credit report and found some information and account that didnt belong to me. I asked for the accounts to be investigated and they failed to do so.
Consumer complaint received 2021-11-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: KEYCORP (CT)

Im receiving aggressive bill collecting. This account is being paid through XXXX XXXX XXXX. Payments have been sent to this company, yet the harassing calls persist.There seems to be a concerted effort to bully me into giving more.
Consumer complaint received 2022-04-27
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: Experian Information Solutions Inc. (PA)

in accordance with the Fair Credit Reporting act has violated my rights. 

XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  XXXX Acct # XXXX XXXX  Acct # XXXX XXXX  XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX 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.
Consumer complaint received 2021-05-24
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2022-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (CA)

I have been in contact with Discover and they had advised me on XX/XX/2021 that the amount that they had offered for a settlement was 50 % of the balance. They were contacted various times and this was not the amount advised as I had the information written. I'm in a significant hardship due a permanent health condition. The agent was advised that I was not able to come up with the funding which they advised was to settle at 65 % of the balance and would not change this amount. I have secured a amount that is close to the 50 % which is 35 days subsequent to the date I contacted the credit card. The position they have taken is to advise that they will not honor the 50 % which was not advised and kept requesting a minimum payment to secure the settlement which is higher than the 50 % now at 60 %. I have secured money from a family member to settle the debt and am formally requesting help from CFPB for the credit card company to honor what they advised would be the amount to settle with me. The last representative in XX/XX/2021 has misled me and not advised of the amount the representative advised on XX/XX/2021. Discover attempted to increase the settlement to 60 % and make the payments extend to 36 months to make it seem as if they were working with me but they are not as the increase of 10 percent is significant when do not have income.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I had a savings account that started to incur {$5.00} month service fee without notice when my balance become lower than {$300.00}. Wells Fargo says it was in disclosure I agreed to when opening the account. I did not receive notice that the free would be incurred once it started. I had no reason to monitor this savings account, after 11 months I finally noticed. I called the bank and closed the account and they only refund {$30.00} of the {$50.00} charged. I maintain a a separate savings account at the same bank that I maintain the required amount to avoid service fee. Notice should be given when fees are incurred.
Consumer complaint received 2018-06-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

The Quicksilver from Capital One card is listed as a {$0.00} Annual Fee, and I just found out today that I have been charged a {$39.00} Capital One Member Fee since XX/XX/2014. This Fee went unnoticed until today, and the Capital One Customer Service reps informed me that it is what I signed up for. I only sign up for {$0.00} Annual Fee cards due to this, of the many cards I hold. So I find this to be unlikely that I would have registered for a card with this fee.
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: BAM Management US Holdings Inc. ()

Good day Sir I am a binance user with username " XXXX ''. i got a message from binance.com on XX/XX/2021 that my account has been suspended for reason ( s ) unknown to me till date. All my effort to find out their reason for such action and get access to my hard earned funds proved abortive. binance has been really unfair to me and decided to hold my source of livelihood for about 8months without considering the consequences on me and the family that depends on me to survive. I have never committed any offense please come to my rescues this is really killing me. 

My account is verified and i have {$15000.00} usdt in my account. right now they don't allow me to have access to my account let alone of having access to my funds there. I am a legit trader and I have never committed any offences.
Consumer complaint received 2020-09-04
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (NY)

I owed Citibank 2 loans and was making 2 separate payments through my bank only to find out that one of the loans was discharged back in 2011. 

I asked Citibank to email or mail me a list of every payment that they have received from me. They were not able to do so. 

I then requested that the debt collection company XXXX XXXX XXXX send me a list of every payment that I have paid to them since 2011. 

Payments from my bank are missing and I have no idea where this money went. However I have proof that I paid because I used bill pay through my bank which kept track of every payment that I have ever made to Citibank. 

I emailed the president of Citibank and contacted all of these different people at Citibank and no response, no name, number nothing. I then thought I resolved this and made an online payment to pay XXXX XXXX XXXX and they refunded me my money saying my account is on a hold because I requested verification. I saved the receipt and all emails to Citibank. 

I need help, who do I make payments to, to help pay down this loan? 
Where is the missing money? 
What do I do?
Consumer complaint received 2021-05-04
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: EQUIFAX, INC. (TX)

fcra violations ; not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY
Consumer complaint received 2021-05-24
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)

I checked my credit report, some information is not mine. I think that I may be a victim of identity theft. I do not recognize these accounts and have never incurred debt with these creditors. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine. It could also be possible you are mixing up this accounts with someone that has a similar name as me.
Consumer complaint received 2021-05-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Solutions (OH)

Called number listed to my spouse. When I answered Hello the rep said Ms. " XXXX  ''? I said again Hello? Rep continued to state this is XXXX from Credit Solutions calling as a follow-up to letter sent in XXXX ( didn't catch exact date ) regarding an outstanding balance. XXXX then asked to verify if speaking w/correct party - did not confirm if I was in fact Ms. " XXXX  '' or not before disclosing letter sent on an outstanding balance.
Consumer complaint received 2021-11-30
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. (FL)

On Equifax I just noticed on my credit report that there were XXXX hard inquiries. Now I never made those inquiries or authorized an company or agent to run my credit for possible goods, credit or services. I never authorized or applied for services from XXXX XXXX XXXX, I never sought credit from an account listed on my credit report as XXXX or from another account listed on my credit report as XXXX. I never applied to any program that would result in a hard pull on my credit report. I am therefore asking you that you please delete these inquiries from my credit report please.
Consumer complaint received 2021-05-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

In XXXX, XXXX, I applied for a mortgage modification with Select Portfolio Servicing due the Winter Freeze in XXXX, XXXX, recent health issues to where I got behind on my mortgage. I was told at the time that I qualified for a modification so I proceeded with the application process. I went online to check the status of the loan modification and was given a repayment plan for a year in the amount {$1200.00} which is way beyond what I can afford. I clear only {$2100.00} but I have a car payment at {$450.00}, car insurance at {$160.00}, high utility bill which we are getting gouged from the Winter Storm and there is no money left for transportation to work and food. I feel that they made this payment plan unaffordable with the intention to take my home away. It's beyond unconscionable for them to do this. I was willing to continue paying the {$950.00} or the original {$860.00} payment if they would defer the arrears to the end of the term. I am not trying to not pay for what I owe but I need help! Due to the Coronavirus, my employment is on a pay freeze and I am unable to increase my income due a back injury from a car accident back in XXXX. SPS is a such a shady mortgage company, they charge all kinds of fees and act like they will help but when it comes down to it, they are always threatening to foreclose. I fight them every time and I am stuck with them holding my mortgage. I am working on my credit but it's a long process since I am still trying to clean up old debt from my job layoff in XXXX and XXXX. I am hoping once I get my credit good, I can refinance with my bank to get my home away from SPS. Can you help and maybe get them to put the arrears at the end of my term or modify my loan. 

Thank you for your attention in this matter and God Bless you. 

XXXX XXXX XXXX
Consumer complaint received 2018-06-10
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: EQUIFAX, INC. (NV)

I have been a victim of identity theft 2 years ago. I am disputing this account with XXXX XXXX  this should have never been reported to my credit reports. XXXX XXXX/ XXXX XXXX. This account is under my ss # but a females name? How did this happened? Where is the I.D .? Why do the credit bureaus need 30 days for something that's not legit .Please remove asap. XXXX XXXX / XXXX XXXX  was paid with creditor XXXX XXXX  on XX/XX/2018Please update and remove. XXXX  and Equifax have fraudulent inquiries that were not authorized by me.

XXXX XXXX XXXX XXXX XXXX  ( XXXX alabama ) XXXX XXXX   2x XXXX XXXX XXXX ( alabama ) XXXX XXXX XXXX XXXX XXXX