davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I mailed a letter on   XXXX   XXXX   XXXX     certified mail stating the year of birth was incorrect. I also sent in proof with this lette r ( I dentification card, birth certificate and social security card ). I received a response back on   XXXX   XXXX   XXXX     stating they have reviewed my concerns and the information is correct. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 (  b ) (  2 ) and 611 ( a ) ( 1 ) , it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 9 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for the wrong birthday that does not belong to me.. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Consumer complaint received 2017-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (AL)

Have received Notice fr om Municipal Services Bureau rega rding a claimed amount owed for a parking ticket for vehicle that does not belong to me. The earlier debt collector was advised that the ticket did not belong to me and  now Municipal Services Bureau is  attempting to collect {$220.00 } (  Claimed date -    XXXX   XXXX  2016     ) from me for a debt that I do not owe. And, in the Noti ce, Municipal Services Bureau fails  to advise of my full rights as a consumer.
Consumer complaint received 2022-08-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. 
Failure to do so is a violation of my rights.
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (CA)

On XXXX XXXX, 2016, I received unsolicited credit cards in the names of my husband ( XXXX XXXX XXXX and myself ( XXXX XXXX XXXX XXXX. NOT an application, but XXXX actual credit cards. The envelope included NO information as to terms ( interest rate, annual fee, etc. ), just the XXXX cards. 
I have my vehicle loan through Wells Fargo, and also investments with Wells Fargo. However, I carefully went through my credit files and I have NEVER had, nor requested, a Wells Fargo Credit card. I emphasize that I received these cards well after the fraudulent actions of Wells Fargo came to light. Thank you.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (CA)

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MA)

XXXX let someone else open a credit card under my name XX/XX/2017 without any hard inquiries in advance, all of XXXX credit reporting bureau ( XXXX, XXXX, Equifax ) are failed to inquire me about this case even despite I put 90 day fraud alerts XX/XX/2017. After I read about XXXX online, I know apparently they are infamous for doing something like this. Since they are hard to reach when it comes to inquiries regarding dispute ( no phone number provided ), I need help with disputing this account.
Consumer complaint received 2021-04-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (FL)

TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT CREDIT COLLECTION SVCS XXXX CREDIT COLLECTION SVCS XXXX CREDIT COLLECTION SVCS XXXX CREDIT COLLECTION SVCS XXXX CREDIT COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (CA)

Hi, recently there was a statement sent out from XXXX XXXX to Equifax. The statement sent, after discussing a miscommunication, of a 12 month, 0 % introductory period/roll over account from XXXX XXXX XXXX XXXX, was contingent on 2.9 % of the total balance. I 'm now aware of the miscommunication and cleared late charges and brought my account to balance. Ther contingency is : there are no late fees, or interest charges, applied the first three months of my rollover, that should have triggered late payments. Please remove any adverse remarks.
Consumer complaint received 2017-05-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc. (MA)

I was served an eviction  notice   XXXX   XXXX   and hired landlord tenant lawyer to handle my case which was dismis sed for lack of burden of proof with the stipulation I had to go thru a third party for anything concerning my apartment at  XXXX   XXXX   XXXX   XXXX .  XXXX ,  XXXX ,  XXXX . I locked myself out, had to have management let me in, eviction went thru because of this and I was evicted   XX/XX/XXXX .   Constable did not follow the law, moving company did not follow the public safety law, I am not legally responsible for attorney fees or court fees according to tenants rights laws. I have called every agency known to man to rectify this and hire a lawyer. All the  Bar Assoc. recommendations w ould not return my calls. Because of the abuse of tenants rights I am barred from getting housing. I am homeless, my property is in my storage but smashed and dumped by movers who demanded CASH to put it in my unit. Even though there are laws to protect me, there is  no one to le gally help me. As of this moment I am speaking to an attorney who said I should sue. Great where can I get a lawyer?
Consumer complaint received 2015-09-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Remit Corporation (PA)

I was an out patient for XXXX, Total time in and out was 3 hrs I payed all copay 's, my insurance payed in full the hospitals charges, A few weeks later I receive a bill from the hospital saying I ow them {$2500.00} for services rendered, I asked for an itemized bill to see what these charges pertained to, And the hospital refused to submit this bill to me, knowing that after talking to my insurance company that this was paid in full, at which time they the insurance company suggested that I get an itemized bill, the insurance company stated that there 's been a lot of medical fraud buy hospitals over charging patients, for such things like {$15.00} for a XXXX, {$100.00} for a pillow, {$75.00} for a disposable gown etc, It was then that the hospital immediately turned this in to a collection agency i believe to force me to pay this fraudulent bill, which has also blemished my excellent credit record, The insurance company would like to compare this extra bill i 'm being charged with to what has been payed for and double charges or ridicules over charges.
Consumer complaint received 2021-01-27
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. (NY)

All three bureaus Equifax XXXX  and XXXX  has been abusing their power of being a reporting agency.The unathorized inaccurate reporting without my consent in noted according to Congress Law in the attached letters that I've previously sent via certified mail. These " credit bureaus '' are not operating with in the boundaries of FCRA and FDCPA
Consumer complaint received 2016-04-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Financial Credit Service, Inc. (TX)

XXXX - at extension XXXX called me " illegal wet bag ''. He used abusive language and profane XXXX language. XXXX stated he was with a legal team. He was going to file papers. He made it sound like he was a lawyer .... Very misleading. This is an outrage! Please make them stop! I 'm XXXX years old! Harassing other members of my family with phone calls.
Consumer complaint received 2015-10-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WA)

While checking my personal credit report, I noticed XXXX Employers listed as XXXX and XXXX on EXPERIAN credit report. I have never been employed by these companies. I am requesting that EXPERIAN immediately remove these names from my credit file, listed as my previous Employers on my credit report immediately. I have attached a screenshot of the incorrect information listed on my credit report from XXXX
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I attended XXXX XXXX University in XXXX. At that time I was told that I needed to borrow {$7700.00} to cover the remainder of the semester. The loan counselor stated that I would only have to pay {$50.00} a month to repay the loan. Now I have a {$200.00} payment with 13.50 % interest rate and the bill is now {$13000.00}. The university is a for profit university and was under XXXX at the time, which I was not told about. The loan has doubled and I was not told about the XXXX. The interest is {$140.00} each month and {$63.00} a month and I have been paying it since XXXX.
Consumer complaint received 2021-01-27
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. (MI)

The law is clear and protects its consumers. It must be deleted as per FCRA without factual information. The US Bankruptcy Court does not refer these matters to other agencies. They don't check or update credit reports either. Bankruptcy information is public information as per stated when I spoke to staff member XXXX in the Bankruptcy department. If the Credit Bureau has to get information from the source, tell me how did you get the information you put on my credit report?
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

It is basically impossible to get a hold of someone at Transunion. The phone number on my credit report is just a loop, and all they want to do is sell you products. I need to tell them they are reporting judgments that are not mine, and I 'm currently paying too much for my mortgage due to this.
Consumer complaint received 2016-09-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

In XX/XX/XXXX, I had an auto-payment of {$89.00} bounce. I called, made a manual payment over the phone, which they used to cover the XX/XX/XXXX payment INSTEAD of the missed XX/XX/XXXX payment. This happened for XX/XX/XXXX as well, meaning I was technically a payment behind. Finally on XXXX XXXX, after they had called and texted saying I was behind and getting assessed a fee, I called them to make sure my account was up to date. Over the phone, the representative said yes that I was all current ( for XX/XX/XXXX ), failing to tell me that I still owed the extra {$89.00} for the payment from XX/XX/XXXX. Today, again I logged into the account, discovered low and behold I 've got a late fee and still a payment behind. Made an online payment, then called to find out why in XX/XX/XXXX I was told the account was up to date when clearly I still needed to make up the payment for XX/XX/XXXX. They said that when I called I was current because " technically '' though payments are due on XX/XX/XXXX, they do n't assess you as delinquent until XX/XX/XXXX. This still failed to explain why no one on the XXXX XXXX told me I was technically a payment behind. They did wave the late fee, but only after I raised a stink about how they should have been upfront about the fact that I was only paying the current month and not the back month.
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXXXXXX XXXX XXXX XXXX XXXX I am including it again.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 2022-09-07
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. (GA)

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXXXXXX 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 2016-07-09
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (IL)

My mortgage company recently pulled my mortgage payment on XXXX XXXX for my XXXX payment. The company then helped themselves to another mortgage payment on XXXX XXXX without my knowledge. I called the mortgage company to see what was happening and had an unapologetic person on the phone that said they made an error and will refund the money by hopefully Monday ( XXXX XXXX ). The mortgage company successfully wiped my accounts clean and I am now borrowing money to make ends meet. I am calling my credit card companies to please not pay themselves so that I can avoid overdraft fees. 

This is unacceptable for anyone to take my hard earned money and take all my money from me.
Consumer complaint received 2015-09-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (FL)

Had car loan with XXXX XXXX XXXX, surrendered car voluntarily in XX/XX/XXXX, item was to have been removed from my credit file from XXXX XXXXand it is now XXXX and it is not removed.
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 — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

On XX/XX/XXXX, I received an alert from Experian about a new hard inquiry in my report from a company called XXXX XXXX. I have never dealt with that company nor heard of it before. I called XXXX XXXX and was not able to talk to any representatives, their phone lines seem to disconnect after several minutes of waiting. On the same day, I also called Experian and was transferred 3 times to different teams that handle disputes without actually getting help from any.

This is the 3rd hard inquiry that someone else has attempted on my report in the past 12 months and that I report to Experian without any action from their part. On XX/XX/XXXX I used the CFPB website to report 2 other hard inquiries that I did not initiate but that appeared on my report as well -- those inquiries still show in my report today. Experian has still not taken action to remove them. 

In addition to the inquiries, there is a phone number that does not belong to me ( " ( XXXX ) XXXX '' ), and a name that is not mine ( " XXXX XXXX '' ). 

I kindly ask that Experian removes the following hard inquiries and incorrect personal information : - XXXX XXXX on XX/XX/XXXX - Bank XXXX XXXX on XX/XX/XXXX - XXXX  XXXX XXXX on XX/XX/XXXX - Phone number : ( XXXX ) XXXX - Name : " XXXX XXXX ''
Consumer complaint received 2021-06-06
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. (TX)

I have a Citi double cash back card ending in XXXX for years. There is a Citi card benefits which says that : Did You get the lowest price on Your Citi XXXX purchase? Let Citi Price Rewind search for You.

Citi Price Rewind searches for a lower price at hundreds of online merchants on the registered items You pay for with Your Citi Card. If the same item is found at a lower price within 60 days of Your initial purchase date, You may receive the difference between the price You paid and the lower price found by Citi Price Rewind. If You find a lower price that may qualify You to receive the difference
in price, You can go to citipricerewind.com to learn more.

To be eligible for the Citi Price Rewind benefit, You must pay for the item at least in part with Your Citi Card. You will only receive the lesser of the actual amount paid for with Your Citi Card or the maximum benefit per item. 

I bought a product " XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX, XXXX, and XXXX XXXX  '' from XXXX XXXX XXXX XXXX at {$100.00}. On or about XXXX XX/XX/2021, the same product is available at {$84.00}. 

So obviously I will try to make use of Citiprice rewind ( https : //www.citipricerewind.com/ ). But that website is down. Called customer service toll free # ( during XXXX XXXX  to XXXX XXXX  Central time on XXXX XX/XX/2021 ) ... .getting connected to Some XXXX based support where the calls are just getting transferred from one person to another and nobody knows about this and how to help me. Last person was XXXX. They transferred me to XXXX based customer service but then the call is getting disconnected. 
Citi should not blindly outsource jobs to XXXX without training these folks. Citi should take care of www.citipricerewind.com and most importantly I should get my {$20.00} back.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CT)

I Secured a loan through my credit union and was told by the loan official that someone else 's Social security number is on my credit report besides my own & my spouses. When the loan official inquired weather I know this person I was shocked to find out that I get called from people looking for him. The telephone callers are from collection agency 's and IAsked them not to call any more. It has been about a year maybe longer since I 've heard the persons name till today from my credit union. When reviewing the credit score information it was then that I realized that the social security number of this person is my actual CT drivers license number.