davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (KS)

My Citi XXXX XXXX  Card statement showed a charge dated XX/XX/05 from XXXX XXXX GA for {$6500.00} which I did not recognize and had not authorized. On XX/XX/XXXX I disputed the charge. Citi immediately closed my card and issued a new one. I was not provided any information about the status of the dispute until I received a letter dated XX/XX/XXXX, stating that the dispute had been closed for insufficient information. They said that they had previously reached out to me for information, which was untrue. I sent them a letter on XX/XX/XXXX asking when my account would be credited, but have not received a reply. The disputed charge is still included in my current statement, plus interest.
Consumer complaint received 2015-08-12
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Cottonwood Financial Ltd. (TX)

I have asked to bill me, I will pay as much as I can when I can. Asked to stop calling while I am at work, asked to stop leaving voicemail at work as calls are recorded. Asked to stop calling those I listed as references.
Consumer complaint received 2016-09-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

Pulled my credit 17 times beginning XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. 

I have today requested that they cease and desist. I have no accounts with them.
Consumer complaint received 2016-06-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (RI)

I previously filed a complaint last year to explain the harassment my mother and I were receiving from a Navient. I never received the email with their reply. I did n't know they had replied till I finally logged into the site and saw that the case had closed. I do n't have many hours in the day to take care of things like this. Also, at the time in which the reply occurred I had to switch offices increasing my commute by XXXX minutes each way. I do n't know why, but gmail did not determine that the email was important, so I must have just missed it. I actually thought I was going to receive a call, not an email. 

My mother is still getting calls from Navient from multiple numbers with many different area codes, which she tries to block but they keep popping up like a hydra. They are still emailing both of us. They threatened to go to legal if we did not make on time payments for three months. They said at that point they would take the black mark off our credit reports, now they 've changed their terms stating that they wo n't show us as current till I agree to a payment plan which, unbeknowst is now XXXX dollars a month higher for the life of the loan to pay off the meager XXXX or so I was considered behind on. It was my mother that agreed to the XXXX payments over the phone in desperation because she 's afraid they wo n't get a mortgage now that they are trying to sell their home. Her panic caused me to panic and we 've almost made the third payment. This month they called my mother and changed the terms ... as far as I understand it. I never agreed to any of this, but I gave my mother money pay for what she thought was going to help us. I 'm XXXX myself with overtime to pay this. I ca n't keep doing this and my circumstances have changed. They refuse to take a financial statement from me. I was told in a very snide way that this was my last chance. They are demanding far more than I can afford. The rep was dismissive about my financial situation and refused to listen to me at all. In fact, I have n't spoken to one rep there that did n't over inflate how much money I supposedly had leftover to give them, and now I 'm in a new apartment with much higher expenses. I do n't know what to do.
Consumer complaint received 2015-10-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELIS RECOVERY MANAGEMENT, LLC (SC)

Fidellis XXXX XXXX in NC called XXXX in 1 day without leaving a message When I called back, they say I owe {$680.00} filed by XXXX XXXX Screening in XXXX, GA. I never heard of this company. Never did business with this comp. And certainly never received a bill. Fidellis accused me of throwing the bill away. Fidellis will not provide any paperwork. They wo n't contact XXXX to verify and wo n't clear the collection - it 's now been reported to the credit companies. Further investigation through our dentist who used this company for XXXX screening XXXX was told by XXXX there would be NO fees charged to patients because they would bill medical ins comp. and accept whatever payment they could get. It appears that XXXX sold patients names to Fidellis for bogus debts. Mine included.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

XXXX is reporting three of my student loans late on all three of the Major Credit reporting companies. The Cares Act of 2020 has placed all Student Loans in Forbearance. XXXX  Refuses to rectify the situation my student loans should not be reporting late. 

XXXX has a history of not following proper procedures and has also been sued numerous times.
Consumer complaint received 2016-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XXXX XXXX, 2016 I disputed an inaccurately reported account with all XXXX credit bureaus, TransUnionXXXX via online and also with the creditor via US Mail on XXXX XXXX, 2016, with XXXX XXXX. It has been more than 30 days and it was just reported today, XXXX XXXX, 2016 as still derogatory. It previously stated that it was being reinvestigated and I never seen any results of the said investigation. I believe that XXXX broke the law by not properly reporting their findings to me, the consumer, yet they did to the Credit Bureaus. This company is notorious for not responding within the 30 day time frame.
Consumer complaint received 2015-06-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (ND)

I received a letter from Central Credit Services LLC and it stated that I owe XXXX {$100.00}. However my account with XXXX has been closed and paid since XXXX 2014. I called XXXX to double check that I did indeed pay my bill and received confirmation that I did in fact pay them in full and do not owe them anything. They have also been calling my daughter 's phone constantly for the last 2 months.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. 
Details of the unauthorized inquiry are as follows : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry XXXX : XX/XX/XXXX Creditor Name : XXXX Inquiry XXXX : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date XXXX XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I have not applied for any credit or services with the mentioned creditor on the stated date, and I believe this inquiry was made without my consent.
Consumer complaint received 2023-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

My wife mailed a check for {$43.00} ( from our local post office ) to our local XXXX. Somewhere between the post office and the XXXX XXXX, it was intercepted buy a fraudster. The fraudster then took white-out and altered the check, wrote over the white-out making it payable to an individual for {$5000.00} ; the check was then cashed ( via mobile deposit ) by USAA on XX/XX/XXXX XXXX it was on our XX/XX/XXXX statement. The alterations were amateurish with at least 16 places on the check where you can see that the original writing had been altered. 
I discovered the problem and reported it to USAA on XX/XX/XXXX. The two USAA employees on the call agreed that it had obviously been altered and then cashed by USAA ; they explained that their fraud unit would investigate, call us in the next 3 days and reimburse the funds into our checking account. 
USAA did not call us ; on XX/XX/XXXX, I saw a message on my USAA log in that stated they denied your request to adjust your account. because I notified them at 73 days rather than 60 or less.

The back of the check says For USAA mobile deposit only so, that suggest a USAA account existed to receive the funds ; that USAA account was surely created with faked identification. USAA has refused to verify there was a USAA account the funds were transferred to and whether the XXXX is still in that account or if, and when, the cash was withdrawn. USAA cashed an obviously fraudulently altered check and transferred my funds to a surely falsified USAA account and they refused to tell me where the {$5000.00} went once they transferred it out of my account. USAA refuses to take any responsibility because of the 13 days over the 60 days and I have been a customer for 39 years!
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (TX)

The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If DIVERSIFIED ADJUSTMENT SERVICE does not have any documentation other than a bill that th ey printed, ( i.e. : signature contract agreeing to pay ) they need to retract this from my credit file immediately.
Consumer complaint received 2024-01-26
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. (TX)

I hope this letter reaches you under circumstances conducive to prompt resolution. I am writing to express my growing concern and frustration with the unresolved issue of fraudulent items associated with my account. 

Despite my repeated attempts to address this matter through your designated channels, I regret to inform you that all efforts to remove the fraudulent items have been unsuccessful. The persistence of these unauthorized activities is causing me considerable distress, and I am alarmed by the potential impact on my financial standing. 

I kindly request immediate and effective action on the following fronts : Ensure the successful removal of all fraudulent items and transactions linked to my account without any further delay. 

Provide me with a comprehensive update on the ongoing investigation into the origins and nature of the fraudulent activities. 
Enhance communication channels to keep me informed about the progress made and the steps being taken to bring about a resolution. 

Implement additional preventive measures on my account to thwart any future unauthorized access or activities. 

I understand that addressing such matters requires careful consideration and timely action. I urge you to treat this issue with the urgency it demands to rectify the situation promptly. 

Your immediate attention to this complaint is crucial. Please acknowledge receipt of this letter and inform me of the steps being taken to resolve the issue. I anticipate your swift response to restore my confidence in your services. 

Failure to address this matter promptly may compel me to seek assistance from relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraudulent items in my credit 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
Consumer complaint received 2022-09-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Glasser and Glasser, PLC (VA)

Glasser and Glasser have a pending garnishment in the amount of {$8800.00} for XX/XX/2022. These funds are from a long term disability backpay recently awarded. I have called twice and told there nothing they can do and I just have to wait until XX/XX/2022. I also sent an email on XX/XX/2022 which has not been acknowledged or replied to. 

In summary Glasser and Glasser have put a hold on my checking account in the amount of {$8800.00}. These are my long term disability benefits.
Consumer complaint received 2023-03-27
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (NJ)

On XX/XX/2023, I applied for a loan extension with OneMain Financial. I filled out the application online and submitted all the necessary documents and IDs. 
It was too late in the day to get an approval so the gentleman asked me to call him on Monday. 

When I called I asked him about the loan and he stated that the loan was approved. 
He stated that he wanted to see if he could get me more money. 
So he said that he would call me back in an hour. 
I asked him again about whether the loan was approved and he said yes. 
When he called back he stated the initial loan request and the additional funds were declined after he told me the loan was approved
Consumer complaint received 2015-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Regional Acquisition Group, Inc. (NY)

Someone called me from Regional Acquisitions Group named XXXX XXXX, claiming that I owe {$1300.00} from an overdraft from XXXX ( he was unsure of the date ) he said from XXXX and that a group of lawyers has now been assigned to use their legal powers to seek judgment against me. He stated that he was able to reduce the debt to {$620.00} if I were willing to pay him, saving me money and going to court. I then said where can I call you at and he stated I could call him at XXXX.
Consumer complaint received 2024-01-26
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. (TX)

I am submitting this follow-up communication to apprise you of my previous complaint, dated XX/XX/XXXX, regarding my status as a victim of identity theft. As stipulated in FCRA Section 605b, Credit Reporting Agencies are mandated to expeditiously remove any items identified in an identity theft report, specifically under reference number # XXXX. Enclosed herewith are the relevant documents, attached for your reference, to facilitate the removal of erroneous information and inquiries that have been erroneously posted to my credit report. The following list comprises items that neither belong to me nor were opened with my explicit permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items identified by the consumer as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Consumer complaint received 2016-09-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I recently reviewed my credit report and notice several inaccurate information. Several items do not meet the Fair Credit Reporting Act guidelines nor has the companies reporting the information validated and verified the allege debt for example XXXX XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( never validated the allege debt ), XXXX ( never validated the allege debt ), XXXX XXXX XXXX ( company has reported different information to every credit bureau, company admitted the deed was never recorded with XXXX XXXX nor have they provided legit documents ), and XXXX XXXX ( this company has not responded to any letters, CFPB is unable to locate the company nor have they added the sentence consumer disputes ). There are several unauthorized inquiries reported to the Credit Bureau, I never authorized the inquiries nor do the inquiries fall under FCRA- permissible reasons. I sent Experian notices to remove the false and misleading information but I received no response. The said companies are reporting False, misleading, and deceptive information. The false and misleading information being published by the credit bureau has hurt my credit score, caused humiliation, and financial injury.
Consumer complaint received 2016-11-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

transunion stated that they were going to remove a fraudulent inquiry from onemain. it still has not been done, nor have they sent me an updated credit report as pormised in case XXXX. this was filed on XXXX and still is showing as of XXXX
Consumer complaint received 2024-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (OR)

I was scammed on XXXX. Seller posted a bundle of video games that I wanted to purchase. After agreeing to pay to have them shipped I paid the seller. Shortly after sending the payment I did a XXXX image search and found the same pictures were actually from an XXXX listing from XXXX. Tried to contact the seller with no response. My bank says they can't do anything since I approved the transaction.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (OH)

I never completed high school nor do I have a GED. The school fraudulently accepted me, opened multiple loans and now the school no longer exists. There has been multiple lawsuit against this school and I am seeking loan forgiveness on the remaining amount through aidvantage.
Consumer complaint received 2023-03-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (TX)

Applied for Credit, received denial letter with information, that have been working with Experian correcting information on Consumer Credit Report, Experian Reporting information that I'm not seeing on credit report. 
Started correcting information with Experian why wasn't aware of these action. 
I'm aware of all XXXX Bureau, have been working with. 

So Experian reporting fault miss information on credit report. 
Received information from other Bureau about email Identify. Now Experience now correcting other Bureaus have. 

Need for Experian to Report correct information, also to correct my Credit Report.
Consumer complaint received 2016-06-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (WI)

there are collection charges through the state of wisconsin under my account which I am not aware of or is not viewable through the state 's CCap program. I have been receiving numerous collection papers via mail for accounts that are being collected which I am not aware of. This information can be viewed on experian and XXXX
Consumer complaint received 2016-03-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Resurgent Capital Services L.P. (NH)

LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. It is XXXX XXXX that owns both companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder to serve them.