davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-02
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: EQUIFAX, INC. (TX)

I received a letter from   XXXX   XXXX   around the end  of 2014 indicat ing I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.
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Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX    today and they told me to file a complaint with the FTC  .
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (VA)

Citi Card has misled us with a 0 % APR offer on a card that we already had, but were using when we accepted this offer. <P/>They forced us to have a NEW card sent for an offer that  started on XXXX XXXX 2016. <P/>They did not tell us what was our " pre XXXX XXXX 2016 " balance so that we could pay off the entire balance as we usually do. We had to guess. And we overpaid that transfer amount. Also, we asked for help through their online portal to an agent, who thought we were asking something else, and did not answer my question. They tricked me through false or misleading advertising claims. <P/>They fees & trailing fees are fraudulent and I have asked them twice to refund them and even when I had a credit balance from over paying to avoid their mistake, they justified charging fees. <P/>Second, we have a problem with a 2nd Citi card about the same time. They do not reduce your amount " due in full '' when you have a suspicious charge under investigation inquiry. So, I cancelled a payment and then set up the same payment for the correct amount. They charged me a late fee of {$25.00} for doing this and also charged me interest until I was paid and no longer using their cards! We have paid off all of our balances to {$0.00} and have a really goo FICO score around XXXX. <P/>For CFPB 's convenience I have attached the 2 recent letters that I sent to Citi Card. They wrote us back yesterday saying that they were justified, but they are not. That is the reason for my complaint!
Consumer complaint received 2015-05-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Check Resolution Inc. (TX)

They had XXXX people call me and say they are coming to my work and residence with the police and that I will go to jail. They are now calling my wife and saying the same thing that they will be out today with the police. I do n't even owe this and I requested they send me a copy and they refused. This is very unprofessional for this company to call and make threats and then call my wife with the same thing. That is why they need to put these loan companies out of business. The companies name is XXXX is name is XXXX XXXX and NCR XXXX XXXX they are very rude people.
Consumer complaint received 2023-01-27
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)

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (PA)

Dear Sir, I made a payment of {$1700.00} ( paper check on bill pay ) to TD card services on XXXX ; I called TD card services on XX/XX/XXXX, the due date, to see whether they received it or not. TD card services said they did not get the check. I called my bank to know why the check was received by TD. It was found out that my account number was missing on the check. This was the 1st time I was using Bill pay from my bank. 

On XX/XX/XXXX, I asked my bank to stop on the 1st check for {$1700.00} and issue another check for the same amount {$1700.00}. This check was received by TD on XX/XX/XXXX. TD does not show show all the transactions on customers TD webpage. They need to improve the way they show transactions on customer webpage. 

Now TD card services is charging {$27.00} ( I owe to them as of today ) because I stopped the check for the amount {$1700.00} sent on XXXX. I called them to wave {$27.00} for which they are not ready to reverse. I am reporting it here. 

I have paid off all I owe to TD card and have not made any purchases since last one and XXXX months and locked the card. 

Thanks.
Consumer complaint received 2019-03-01
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (NY)

Ability Recovery Services are reporting on my XXXX  account. I have yet to see any validation about this debt. Nothing was mailed to me about this collection. Its only on my XXXX  account. No matter how many times I contact and dispute they still didnt prove that this debt belongs to me.
Consumer complaint received 2017-06-01
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: CITIBANK, N.A. (TX)

While reviewing a recent copy of my [   XXXX    ]  credit report I noticed a credit inquiry by your company that I do not recall authorizing.   I understand that you are allowed to put inquiries on my file, but only if I have given my authorization.   Please have this inquiry removed from my credit file as soon as possible. I have sent this letter certified mail because I need your prompt response to this issue.   I would greatly appreciate receiving a written response that you have had the unauthorized inquiry removed.   If you find that I am mistaken, then please send me proof of my authorization.  <P/> Thanks in advance,  XXXX   XXXX   XXXX
Consumer complaint received 2022-08-10
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. (CA)

On XX/XX/2022, XXXX XXXX, chairwoman of the House XXXX XXXX XXXX, asked the Consumer Financial Protection Bureau to stop Equifax from selling credit scores to lenders until the credit-reporting firm can prove it has the controls in place to ensure its scores are correct. In a letter to the CFPB, viewed by The XXXX XXXX XXXX, the congresswoman from California also called for more robust enforcement action against the company that goes beyond fines. 
( https : XXXX ) In accordance with the Fair Credit Reporting act. The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, have 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
Consumer complaint received 2022-03-02
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: EQUIFAX, INC. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2017-08-23
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

My parents co-signed on my private loans with XXXX, which turned into Navient with out my knowledge or consent, and my monthly payments are over 1000 dollars a month. Only having a XXXX in XXXX i can not afford this on any salary that i would recieve in my field so i have to rely on a XXXX salary because my student loans are preventing me from starting a career ( which i went to college to find a career ). My parents and I have called Navient and complained about the payments on many occasions asking and begging to be put on a longer payment plan to make the monthly payments more manageable and they would go through our family finances with us and after we went through all of our other obligations it came out that we could afford it with about {$10.00} to spare so they said they could not do it. I even said " so even if you take all of our money and leave nothing for food or living you will take it '' and their response was 'you can pay it so you have to ' this was about a year ago and after calling on multiple occasions we gave up. I am at my wits end with my loans and feel like I 'm drowning with no hope of it getting better i am desperate. Their defense is that i signed the paper work so i need to pay it. I was an XXXX year old kid and was told college is the only way to get ahead in life. Now its the only thing holding me back!
Consumer complaint received 2022-08-04
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Please take a look at the attached letters and ID docs for verification that it is I, XXXX XXXX, filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Consumer complaint received 2017-06-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

I received a letter from Debt Recovery solutions dated  XXXX / XXXX /   17  stating that i owed them, however, the current creditor is  XXXX   XXXX   XXXX   XXXX , and the original creditor is  XXXX   XXXX    XXXX   XXXX  .   On  XXXX / XXXX / 17 , I sent  Debt Recovery  Solutions a certified letter requesting that they validate this alleged debt, however they have failed to do so and they continue to report this alleged debt to the credit reporting agencies.   On  XXXX / XXXX / 17 , I received a letter from  Debt Recovery Solutions d ated  XXXX / XXXX / 17  with a bill from  XXXX   XXXX   XXXX   XXXX  showing a balance {$0.00}. They have not provided me with any legal documents about this alleged debt.
Consumer complaint received 2017-06-03
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (PA)

In  XXXX  of  XXXX  I applied for an apartment. I was informed a debt for  XXXX   XXXX   XXXX  appeared for an amount of  XXXX  $ through ERC debt collection. I have n't had any  XXXX   XXXX   XXXX  services for a good number of years so I assumed it was fraud since it showed it was placed on my credit  XXXX  of  XXXX . Upon talking to  XXXX   XXXX   XXXX , the debt is from  XXXX . It 's  7 years old a nd ERC is attempting to report it as if it were recent. I was never informed via mail of this action and only found out when I nearly became homeless from this credit reporting issue. The situation became extremely stressful as I have  XXXX  kids,  XXXX  of which is  XXXX  and we needed immediate housing.
Consumer complaint received 2017-06-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PARAGON REVENUE GROUP (GA)

I was forced to ride in an ambulance when I was in a stable condition to drive to the hospital I was forced to go to, they made me have tests run after I asked for a form to leave and that if they kept me I would lose my job, which along with made me lose my insurance coverage to cover the overpriced medical attention I did not require. I was forced into summit ridge for 6 days and was terminated from my job for absence even with proof of medical reasons and they did n't try to ever collect their money until AFTER I had lost my job and insurance.
Consumer complaint received 2022-09-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TX)

Received numerous calls from Credence. Once I finally called them back I was told I was delinquent in a medical bill dating back to XXXX of XXXX  from a doctor during an ER visit for my daughter. The doctors organization did not bill insurance ( that was provided ) and sent the bills to an address that has not been valid in over 10 years. This was all despite the hospital billing correctly and all correct information being provided. Debt collector refused to provide a debt collection letter and refused all payment except over the phone. Debt collector also refused to allow me to discuss with the physician services company that sold them the debt and demanded full payment to the debt collector.
Consumer complaint received 2021-05-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC (FL)

Hello I hope you guys can help because I dont know what to do at this point. Ive been reviewing my credit lately and notice an account listed from Mariner Finance acct # XXXX. I was startled because I truly dont recall have any account with this company. So I submitted a letter which Ive attached by certified mail and notarized. When entering in my certified mail receipt # XXXX the letter arrived XXXX I also submitted a return receipt which the company altered and replaced with their own label ( this is truly scary ) So to my surprise I received a letter from the company with a representatives signature saying the information reporting to the credit bureau is accurate. I never disputed inaccuracies or info on credit. I asked for VALIDATION. Which the company failed to produce. This is not consent to give the company a XXXX for reinvestigation. The purpose of the complaint is to ensure the company deletes this account for failure to validate the account with documents. Ive attached all correspondence between me and the company please help me.
Consumer complaint received 2017-06-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (FL)

calls repeatedly from different phone numbers within minutes of each other.    XXXX    XXXX   -  XXXX   XXXX    XXXX   -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  - blocked number  XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX  -  XXXX   XXXX    XXXX   -  XXXX  They continue to call numerous times a day asking me to verify personal/secured information before telling me who they are or what they are calling about. I have explained when my pay day is and when I would be submitting payment and to stop calling until that day but they continue to call. I have requested they mail me the information and they refuse.
Consumer complaint received 2019-03-01
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Moneydart Global Services Inc. (MI)

I did transaction of 1500 $ with XXXX. The amount deposited was less than the promised amount. The conversion rate used was less than what it was shown on the final transaction conversion page. They never sent email saying how much amount in XXXX will b deposited and looks like they take advantage of this. Contacted customer care and still waiting for resolution. They said it will b resolved. Will update. Its nearly a month and they keep giving unnecessary reasons. I did transaction on XXXX XXXX. The conversion rate shown was XXXX and it was displayed after the transaction was submitted from my end for which I have a copy.
Consumer complaint received 2017-06-01
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. (WA)

XXXX  is still reporting account that was over year ago reported as Unauthorized ID fraud from  XXXX   XXXX  this is still causing harm and must be corrected removed
Consumer complaint received 2017-06-01
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: Midwest Recovery Systems (LA)

I received an alert on my credit report from Midwest Recovery Systems for {$660.00} on  XXXX / XXXX / XXXX . I called the telephone number provided, and a call rep informed me that it was a payday loan from  XXXX  from the year of  XXXX . I informed her I have never received a payday loan. I informed her I never received anything prior to now about a payday loan. She tells me I will need to file a police report for something that allegedly happened in  XXXX .
Consumer complaint received 2017-06-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (FL)

I am a 3rd generation military war veteran whose family has served in every war of the 20th Century.
Letter from my mortgage bank ( U.S. Bank Home Mortgage Loan # XXXX ) X/XX/2017 stating that since my XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has not responded to their request for proof of H06 Hazard Insurance Policy on my property. I tried to contact my condo association buy they never responded.
I am current on my monthly condo commando payment for10 years, so I should be respected more.
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The bank has not been sympathetic to my appeal of the decision because they are not wealthy enough. Pay up or else you get more expensive insurance added on to my monthly payment that is already comprised of Premium, Interest, and Flood Insurance.
IF I do n't pay, then I lose the property.
So, I ca n't get another loan on the property because I am an underemployed military veteran.
So, I guess I have to sell and move out to a more expensive property? Or, pay up?
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I have contacted FEMA and every government agency and representative and they are ignoring me.
Will you ignore me too?