davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-28
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: CAINE & WEINER COMPANY, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 06 XXXX  ) XXXX ... XXXX XXXX ( Original Creditor : 09 XXXX XXXX XXXX ) XXXX ... CAINE WEINER ( Original Creditor : 01 XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2020-11-02
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Consumer complaint received 2021-01-26
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. (NE)

XXXX XXXX is reporting a fraud account on my credit report in the amount of {$430.00}. This is for a fraud electric account that was opened up in my name at an address I have never lived at or been associated with is XXXX XXXX XXXX XXXX, TX XXXX.
Consumer complaint received 2021-05-28
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. (FL)

OnXX/XX/XXXX I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2021-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery is reporting 2 accounts as collections on my credit report. When I went on their website, they stated the accounts aren't within their office but with other collection companies whom I have no knowledge or even have been sent something in writing about. Nor do they list any acct numbers on their site.
Consumer complaint received 2021-05-28
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: Go Capital Holdings, LLC (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... GO FINANCIAL XXXX ... XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2022-10-12
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: U.S. BANCORP (SC)

On XX/XX/2022, called US Bank inquire about promotional ExtendPay. The person I had talked could not give specifics on the terms and conditions on the said promotion. For example, for the minimum purchase of {$100.00} how may months is my option to ExtendPay or if I purchase an item, say, {$1200.00} ; what the available options for the extended pay. It the number of months will only be available upon purchase not before any transactions. Also, the US Bank associate said there is no fee but the website tells differently ; Split eligible U.S. Bank credit card purchases into budget-friendly payments with no interest - just a fixed monthly fee. Word monthly fee is not very clear.
Consumer complaint received 2021-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc. (CA)

This company accused me of owing debt to XXXX in a letter in early XXXX of 2021. I requested proof of debt on XX/XX/2021 via certified letter. They did not respond, but called me today, XX/XX/2021 attempting to coerce me XXXX in a demanding tone that ) I allow them to record me without my consent, and that I verify my social security number. Again, they have not provided any proof that I owe such debt. 


She said " We record all of our phone calls ; I mean, you don't have to verify your identity, but this isn't going to make this problem go away. '' My main issue is not that I verify who I am ; My issue is that they did not bother to show proof of debt, and tried to prevent me from exercising my rights of not allowing myself to be recorded. 

Their statement in conjunction with attempt to coerce me to verify my social security number without providing proof of debt leads me to believe that they are about to hurt my credit without cause.
Consumer complaint received 2021-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Acceptance Company (PA)

I discovered a COMMERCIAL ACCEPTANCE CO account reporting on my credit report, I have never done business with, nor even gone inside a XXXX XXXX XXXX. This account is not mine at all, please remove it from my credit immediately as COMMERCIAL ACCEPTANCE CO has willfully violated my rights by reporting unverified, incorrect, and defaming information about me.
Consumer complaint received 2020-09-09
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. (IL)

Hi, Thank you for taking the time to read my complaint. 
First I would like it to be noted that I have already dispute this information with the company and credit reporting agencies directly neither have taken action to correct inaccurate misleading information on my credit report. 
In XXXX of this year I noticed my auto lender XXXX XXXX  paused reporting to the 3 major credit agencies. Upon doing some research it was due Covid-19 in a effort to freeze account statues to limit negative impact to their customers experiencing hardships. However I never requested such a freeze and continued to make my monthly payments  on time each month as I always have. The very next month XXXX of this year when they resumed reporting I got an alert on a credit monitoring site my account was 120 days past due. After seeing this I immediately new this inaccurate I've made every payment on time and have the bank records to support this fact. I disputed this information with the company and the credit reporting agencies each verified it as accurate even though I attached my bank statements for the months in question XXXX- XXXX and XXXX showing I made my payments on time. 
Finally today I decided to reach out to XXXX XXXX  by phone they were no help and said I would have to dispute it again even though they did not corrected the first time. I asked the rep to list all the payment dates of the last year she verified I made every payment on time.. and then proceeds to tell the delinquent payment was from the first month I opened the account back in XXXX of XXXX? and that that's why I got the late payment in XXXX almost 5 years later. I kindly explained to her if my account was delinquent for 5 years they repo 'd the car and I would have been dinged with 30-60-90-120 late payment status a long time ago which you will see in the attached file my account has reported in good standing from the time I go this lone until the time they decided to pause reporting. You will also see the reporting is inconsistent across all 3 reporting agencies for example one of my reports shows 90 days late the next month 120 days late and then next month back down to 60 days late how is this even possible. How can a account be on time in XXXX and then 120 days past due in XXXX when 120 days have not past between periods. I am requesting they remove these misleading inaccurate late payments as it is causing me great hardship I have already been rejected from one lending opportunity because of this please help me correct this misleading information thank you. I have attached my credit report showing my good history until their reporting error as well as my bank statements showing I made my payments on time every month.
Consumer complaint received 2022-11-17
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. (AR)

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX & XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Frontline Asset Strategies, LLC (PA)

U was contacted by this collector out of the blue i constantly told the guy that there was some mistake and that I never even do much as received any mail from this company I also stated that I was sent new furniture due to the faulty furniture given the first time and the amount of time taken to even get help with that and I was told I did not need to pay for the new frame due to the time it took for me to get assistance as well get another frame. I never received any phone calls from the prior company after the new frame was delivered or nothing came in the mail just all contact had been done. Frontline Asset Strategies is the name of the collector that keeps calling me although I explained all of this to him he pretty much forced me into signing something to pay this huge balance back. Even after I assured him of everything that had gone on he was rude in my personal opinion because no matter how many times I explained everything to him he just XXXX down everything and said well you have to pay this if they never gave you anything in the mail or email in regards to that then you have no choice but to pay this.
Consumer complaint received 2021-10-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IL)

On XX/XX/2021 I mailed a cease and desist notice to Fair Collections & Outsourcing certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands.. I am notifying you in writing through this CFPB complaint, Pursuant to 15 USC 1692c ( c ) that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. 

Pursuant to 15 USC 1692c ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor. I demand all of the following regarding this account for this alleged debt.

-Audit trail of this account for this alleged debt that can include an ( entire file on me XXXX XXXX XXXX all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records, credit application ). 
-Stop all illegal negative reporting and communication to and with all consumer reporting agencies -XXXX out the balance on this account Failure to respond to my cease and desist and or honor my demands will result in me the consumer pursuing legal litigation. To ensure compliance with this letter, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights. I have attached a copy of the cease and desist notice that was mailed to Fair Collections and Outsourcing.
Consumer complaint received 2023-04-01
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. (ND)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION (AL)

Around XXXX I submitted a request for payoff of my Regions mortgage. I received a confirmation and was informed I was good to go with my home sell. My home sell was scheduled for end of XXXX and was pushed back to XX/XX/2021 due to errors presented by the buyers lendor. I began receiving debt collection calls from regions and informed them OVER and OVER again that I had a payoff scheduled with them and that if I needed to make the payment for XXXX, then I would. I was informed by the regions customer support that it was not necessary since I was in the middle of a close-out so I didnt think anything of it until the phone calls kept coming and kept coming and each time I had to inform a new individual of the SAME information I told the previous 5 employees. Each said the same thing and told me not to worry about any more phone calls yet I did receive them. Now my home is sold, the loan is paid as I explained to Regions OVER and OVER again, and now I have a delinquent payment on my credit. I demand this be removed or I my attorney will be the next to handle this situation.
Consumer complaint received 2024-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MD)

I have federal student loans on an income driven repayment plan which required annual recertification of my income to calculate payments. This annual recertification, as per my studentaid.gov account states that the recertification date is XX/XX/XXXX. As per studentaid.gov, any recertifications prior to XX/XX/XXXX shall be delayed one year ( XXXX XXXX XXXX ). My new recertification date should be XX/XX/XXXX, however my loan servicer MOHELA is refusing to honor this studentaid.gov policy. They are demanding I certify my income by XX/XX/XXXX. I have been on calls with them for approximately 3 hours today trying to rectify this issue, but they refuse to honor the law in place by our government. They are raising my payments to an untenable amount if I do not abide by their arbitrary recertification deadline which contradicts published information from the US government.
Consumer complaint received 2021-05-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC (TX)

I 1st notice it XX/XX/XXXX when I try to make my payment on line that I was one month behind so I call was able to make payment for XXXX. And the rep. Told me to call the following week she was going to note it. I call the following week that the rep was going to talk to supervisor so supervisor would look into cash dept. I did explain to them I have my back statement where it shows the dates Selen has been withdrawn the payment. Also they can't find a check that send back in XXXX but my bank shows it was process and stamp by them. I call this Monday XX/XX/XXXX to call back Wednesday well Tuesday and Wednesday collector 's call me that I owe again I explained and again they told me to call Friday today XX/XX/XXXX now the rep tells me I need to do it in writing. Am upset cause no one told me that and I ask to speak to supervisor oh supervisor not there they will transfer me to voice mail but the rep said this it says they will call within 24 hours but they wouldn't. XXXX  is right around the corner my credit score went down. Please advice XXXX XXXX email : XXXX XXXX
Consumer complaint received 2021-05-28
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: DAS ACQUISITION COMPANY, LLC (MO)

Records Partial Deed of Trust of XXXX XXXX XXXX XXXX XXXX, MO XXXX stamped by notary does not contain my " wet ' signature of valid proof this Partial Deed is valid and agreed upon by me. I requested the deed be removed before the closing sale of the said property and it was not removed, nor proved valid of funds owed by me. I requested my funds reimbursed and credit reports corrected. 

Defamation Negligent Enablement if Identity Fraud and document reporting Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 and 28 U.S.C.

Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) A Notary Public is a state public officer appointed and commissioned by the Governor whose function is to : administer oaths, take acknowledgments of deeds and other instruments, attest to or certify photocopies of certain documents, and perform other duties specified by law. 

Responsibility of a notary provides for authentication in lieu of notarization in 28 U.S.C. ... That section provides that to meet any notarization requirement under federal law or practice, an unsworn declaration under penalties of perjury is sufficient.
Consumer complaint received 2021-10-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX, I opened new checking and savings accounts with Citibank utilizing a promotion which was mailed to my home. The new account promotion was for a {$400.00} cash bonus after meeting certain deposit requirements. Despite meeting these requirements, the bonus was never paid. 

On XX/XX/XXXX I contacted Citibank to resolve the situation. The representative I spoke to did confirm that the promotion was applied to my account and that I met the deposit requirements. What Citibank claims, though, is that I transferred funds into an ineligible savings account that meant I did not hold the funds in an eligible account long enough. Their terms, however, state that the funds must be held in a Citi savings account ( which my savings account with Citibank obviously is ). Their claim is that the following terms... 

" Eligible Savings Accounts '' are limited to new or existing Citi Savings Accounts in any package where the Eligible Customer is a signer. 

... refers to a specific savings product, and that I did not open a " Citi savings account '' because I opened a " Citi accelerate savings account ''. It adds additional confusion that they refer to their eligible checking accounts in the singular ( i.e. a " Citibank Account '' ) vs. plural for " Citi Savings Accounts '', further leading one to believe " Citi Savings Accounts '' refers to a group of products and not a specific one. 

While I can appreciate that perhaps Citibank would like customers to open a particular savings product, the language they used was clearly ambiguous if that was their intention. I believe any consumer would interpret the wording to mean any savings account that Citibank offers. If Citibank wishes to limit what products are eligible for the purpose of denying advertised promotions, they need to have clearer language and/or title their products with generic names which do not have multiple interpretations.