davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (HI)

Citibank is exploiting the corona crisis to fire support staff and hang up on people. Phone support automatically hangs up. The website automatically logs you out. This didn't happen on XX/XX/XXXX It is almost impossible to pay a credit card which Citi wants to collect more late fees. More fees, less employees -- - profit off of a pandemic.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NM)

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me. And provide me with the documents with the original signatures.
Consumer complaint received 2020-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/XXXX I accidentally paid my credit card twice. Although the second payment was pending for XX/XX/XXXX, at around XXXX at night I was not allowed to cancel the pending payment. I called both my checking account and credit card ( both through Bank of America ) to resolve, both told me there was nothing I could do until the payment posted. Mind you, these payments were not small - {$2900.00} and {$2900.00}. I called the credit card on XX/XX/XXXX to get my payment back. The woman I spoke to started my request and said that I should have my payment in about 48 hours. I assumed that was too aggressive of a timeline, but I was happy to hear. She confirmed with me my banking information and that the credit would go back to my checking account. The following week I didn't get the credit back so I called again ( probably XX/XX/XXXX ). The told me it takes longer, but I should get it back by the following week. I voice my frustration but accept these things can take time. I call back on XX/XX/XXXX and again told it takes time and that I should get the credit by Thursday. Come Thursday ( today - XX/XX/XXXX ) I call again since my credit was still not there. Today they tell me a check is being created and that it'll go out in the mail soon and hopefully I will get I check next week! Never in the 3 previous calls did they say a check, they always said it would be credited back to my account. Not to mention it was now nearly 14 days from my original request. I requested they cancelled the check and deposit it as originally requested but they told me it would take 5 days to cancel a check! After much arguing and demanding to speak with a manager I will supposedly get my credit to my account next week. This of course remains to be seen, but even if it happens they have now held my credit for nearly 3 weeks! This is no small amount, it's ridiculous that a large bank can't resolve and issue for 3 weeks, 4 phones calls, and probably hours of wasted time. Not to mention, I believe they have violated their obligation to return credits in a timely matter.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-09-12
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)

This is my several Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX Balance : {$4200.00} US DEPT ED XXXX Balance XXXX {$17000.00} US DEPT ED XXXX Balance : {$9400.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016
Consumer complaint received 2020-08-19
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Flagstar Bank, N.A. (IL)

My mortgage account with Flagstar bank is currently in a temporary deferral status, due to the effects of COVID-19. I have been in contact with Flagstar ( online and by phone ) and provide them with regular updates regarding my status. On XX/XX/2020, an envelope was delivered to my home and left hanging on my fence. This occurred prior to XXXX. It was discovered by a friend, who had stopped by to pick up something I had left for her. The envelope was from Flagstar, and contained instructions to contact them. All XXXX of my children are remote learning at home during this time. This was extremely embarrassing for me and unnecessary for a number of reasons : 1 ) I have been in regular contact with Flagstar and have kept them apprised of my situation. 
2 ) I am in payment deferral status, due to COVID-19 and there should be no collection attempts. 
3 ) This was a collection attempt and was made outside normal hours. 
4 ) Our state is under a disaster proclamation ( Illinois Executive Order XXXX ), which limits this type of contact, due to fears of spreading the virus. 

The address where this occurred is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2020-07-01
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: OneMain Finance Corporation (NV)

Too many HARD INQUIRIES is unnecessary and unauthorized. they Have a negative effect on my credit score. All my current creditors rate me better than agreed. But excessive inquiries by past credit companies and insurance companies are killing my credit score. I  have no power over them to require removal of these.I need your help!!!
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Obviously these people at XXXX XXXX do not recognize the laws and have been very harassing to my wife 's email. I have reported the identity theft to fTC, XXXX XXXX XXXX and the police department and the said they did an internal investigation. I am a XXXX and a veteran. I have asked them to produce my signature because XXXX sign for everything which they have yet to provide me with. Because of these guys I had to put a fraud alert on my account and have had to close other accounts. My wife is very upset about her business account being used. for these harassing calls. They even called her phone pretending to be IRS. There is another review that a person went through the same thing I am am going through.
Consumer complaint received 2020-07-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (IL)

ENHANCED RECOVERY continues to attempt to collect a debt of {$110.00} dollars that is assigned to XXXX which was paid in full when switching phone accounts. 

This debt has been challenged and removed at least once if not twice before but the Collection Agency continues to cause damage to my credit score by insisting the debt is still owed and by continuing to file a collection against me. 

I have disputed this with the credit reporting agencies and they have ruled in my favor already. 

Please advise Enhanced Recovery to cease and desist with their continued harassment. 

Thank you for your help! 

Best, XXXX XXXX
Consumer complaint received 2020-07-16
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (CA)

MIDWEST RECOVERY SYSTEMS has placed a collection on my account for an old loan from XXXX XXXX in XXXX, the load went into default the same year. They are reaging this debt with a XX/XX/XXXX date, which is totally false. They also have a false delinquent date of XX/XX/XXXX which is totally erroneous.
Consumer complaint received 2018-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

I would like to speak with someone who can represent me. I am constantly making payments and my debt has not changed within the last year. I would like a representative to take a closer look into my account with Barclay and see what is going on. I feel cheated and mislead.
Consumer complaint received 2020-04-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I started a loan in 2005 to get into school for $ XXXX and its now $ XXXX. Ive paid the bill for years and they still wont lower my interest rate. I had a rough time getting my career going after school but Ive been a good borrower for the most part.
Consumer complaint received 2021-09-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (TX)

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that PHOENIX FINANCIAL would verify the debt. So I took it upon myself to ask PHOENIX FINANCIAL for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Consumer complaint received 2018-02-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION (CA)

XXXX Was due to the company for missed payment. Arrangements was made three days ago for 2 payments of {$600.00} for the months of XXXX and XXXX. XXXX debt was paid XX/XX/2018 in the amount of {$600.00} as arranged. I still received a debt collection call from Credit Acceptance corporation to XXXX the full amount and they were very forceful!!! 

I told them that I paid yesterday and I told hem not to call me anymore unless I am late for XXXX. But they will call again and I need it to stop.
Consumer complaint received 2018-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

Due to delays processing my refinancing, I overpaid by about ~ {$300.00}. I have contacted XXXX about this issue and have not gotten a response. I would like them to refund me the overpayment.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (CO)

I am applying for a mortgage and the loan officer told me that Equifax is not reporting a credit score. They do report credit history but no score. XXXX and XXXX both report credit scores with no issue.
Consumer complaint received 2018-02-24
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: Experian Information Solutions Inc. (IN)

On or about XX/XX/XXXX I started an investigation of unauthorized inquires on my Experian and XXXX credit reports. These companies investigated accounts instead. Additionally XXXX   DELETED and account I never ask them to investigate. This is a ridiculously gross violation of FCRA. Removing a legitimate account from credit file is illegal and damaging to say the least. Both companies are in violation of the FCRA in that they exceeded the 30 days to investigate my concerns. 
The items are below : Experian INQUIRIES XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized COLLECTIONS XXXX XX/XX/XXXX not mine XXXX INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized
Consumer complaint received 2017-07-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit has been without a blemish for several years. I was a victim in the  XXXX   XXXX  scam that affected thousands of others.Recently, I have applied and was approved for a lower interest credit card that would save me money and yet my  FICO sc ore dropped  XXXX  points and I suffered because of it. Student Loans are high but I am current, never been delinquent and on a nonprofit forgiveness program and  Income  Based Payments. I have  two  mortgages that combined are much lower than todays ' average mortgage  payment. One is a p rimary residence and another for a house that was inherited . ( ren ted out and paying for itself ) Had a credit issue ab out six years a go but recovered and have not been late since. Yet that all equals a lower FICO score. Yet all my debtors report good or very good. Something radically wrong with the system. Believe the system is unjust and needs revamping.
Consumer complaint received 2018-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Premier Student Loan Center (CA)

This Company is a total Scam. They promised to consolidate student loans into a lower payment and charge a monthly fee. They make it seem as if the amount you are paying is going towards your student loans. In fact, they keep all of it and loans go into default.

Also, they use abusive and illegal telemarketing to sucker in customers. They call several times a day on my cell phone which is on the do not call list. All of those calls are violations of the TCPA. I have already reported them to the XXXX, the California attorney general and no one seems to care.
Consumer complaint received 2021-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (NY)

This loan was reinstated to AES on XX/XX/XXXX. The agreement was for me to resume payments starting XX/XX/XXXX. My balance on loan was XXXX AES block me from being able to login to my account. They reported to dept of education that I was delinquent on my account for 60 days in XX/XX/XXXX. XXXX said my account was reinstated on XX/XX/XXXX, XXXX AES accrued interest on this loan since XXXX XXXX AES refused to send any information via USPS. By the time I could login to my account the balance was thousands of dollars more then the starting point that it was supposed to be. I have contacted them with no results. With covid-19 the NY attorney general 's office was not able to help me as they did before. I contacted FSA ombudsman. They were trying to get information from AES for months. AES said too much accrued interest was added on to my balance & they could not do anything. AES withheld information from me from the start. This XXXX parent loan in the amount of XXXX is now over XXXX and rising. AES has made it impossible for me to afford payments on this loan. The agreed amount was to resume at XXXX AES manipulated this loan behind the scenes without my knowledge. Now it's out of control & now I can not afford payments. This has been a nightmare for me trying to get answers from AES. AES purposely mislead me so they could accrue interest on this loan. Thank you for your help with this matter.
Consumer complaint received 2020-10-13
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UMPQUA HOLDINGS CORPORATION (FL)

XXXX XXXX is reporting a sum of {$74000.00} for my credit for a XXXX of a XXXX This XXXX was made in XX/XX/2019 by XXXX XXXX. To this date they had not taken action I believe that the time to make a report to the credit bureau has already expired. 
In Addition 18 months have passed since the repo of the Vehicle and I never sign any documents with this company.

Furthermore in all this time ( 18 months ), the Company had notsend any message or documents related to this matter. 
At this moment They not have contact me or send me any letter at respect, They report to Credit Bureau whit out contact me first. This is a consumer abuse. 
This action is affecting my credit at this moment.
Consumer complaint received 2018-02-24
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Big Picture Loans, LLC (OR)

Beginning in XX/XX/XXXX, I started receiving letters from Big Picture Loans that I had borrowed {$1000.00} from them in XX/XX/XXXX and that now I owe them {$1900.00} ( Account # XXXX ). At first, I thought the letter was sent in error and ignored it. However, after receiving more letters they believe I owe them this money. I have never heard of this company and never borrowed any money from them and believe that either 1 ) there has been some type of identity theft or 2 ) that Big Picture is engaging in fraud. In reviewing my credit reports there are no hard credit inquiries from Big Picture Loans associated with my name. However, XXXX reported an unsolicited soft credit inquiry on  XX/XX/XXXX by Big Picture. It is for this reason, that I do not trust working with Big Picture with respect to providing them with any confidential personal information, since I believe they may be the source of this fraudulent activity. 

In trying to resolve this issue with BIg Picture they state that their process is to hold a three party call with the bank where the account they have on file is held, in order to verify the account owner and any credits/debits processed in this account. When I called them to initiate the process, they asked for my name and social security number. When I declined to provide my SSN #, they indicated that they could not move forward with the process. The other option I was provided was to fill out Indentity Theft Victim 's Complaint and Affadavit Form, take the form to the Local Police Department, and have it witnessed by a police officer. However, the form asks for confidential personal information, that again I am unwilling to provide, for the reason note above.

I am at an impasse as to how to resolve this issue since I do not trust the source of this claim.
Consumer complaint received 2020-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (NJ)

A late payment showed up on my credit report from Loan care on XX/XX/2020. We are current on our mortgage payments. I spoke with a supervisor who stated she wasn't sure why there was credit reporting done today for a XXXX payment. Do to the COVID-19 pandemic, negative credit reporting shouldn't be reported. We even sent them a screenshot of the credit reporting. They said it shouldn't have been reporting during this time. but we need to have it reversed.
Consumer complaint received 2021-11-05
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. (IL)

XXXX XXXX XXXX XXXX XXXX {$4700.00}, XXXX XXXX XX/XX/XXXX {$1300.00}, XXXX XXXX XX/XX/XXXX {$10000.00}, XXXX XXXX XXXX, XX/XX/XXXX {$57000.00}, XXXX XXXX XX/XX/XXXX {$310.00}, XXXX XXXX XXXX XX/XX/XXXX {$6800.00}, XX/XX/XXXX XX/XX/XXXX {$6800.00}. I have contacted each creditor listed in this comment about these accounts. I have filed an ftc report and they still have refuse to remove these accounts.