davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (CA)

Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please correct the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXX XXXX Late Dates XXXX
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (NC)

It appears that my credit file has been compromised. I was going through my records & noticed many items that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove & block any items or information which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove the following Fraudulent items listed below : XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX  XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$420.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2021-08-03
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: Bridgecrest Acceptance Corporation (TX)

I have tried to dispute with XXXX  and XXXX  for the information reported for Bridgecrest. Bridgecrest customer support is very nasty. only time they are nice is when they call me to ask me to purchase another vehicle from them stating i have good credit history with them. XXXX  is reporting adverse account and 30 day late but yet its not reporting on XXXX, or XXXX. I have provided documentation to XXXX  and XXXX  and advise them to remove the comments they added from me trying to dispute the 30 day which has the day it was reported late the same day it was closed from the payoff they received from the dealership. XXXX  shows the exact same date closed. i have reached out to XXXX  and XXXX  as well as Bridgecrest. There is no reason for XXXX  to show no late payment and only XXXX  to show. XXXX  is not showing on XXXX but shows as adverse account on their report. Ive attached all my documents Ive also asked them to remove the statement only response is account updated.
Consumer complaint received 2018-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

I currently have federal student loans from XXXX XXXX serviced by XXXX. I'm doing PSLF and have my loans in IBR. Each year I submit income verification form and did so this year. Prior years my payments were lower due to lower income, and this year my payment increased to the 10yr repayment as income was high. I received a letter dated XX/XX/2018 from XXXX. 

" -- We received your documentation for your annual recertification but determined that you do not have a partial financial hardship ; therefore, your new payment amount is not based on your income and family size. Your loans will remain on the Income-Based Repayment ( IBR ) plan but your payment amount changed to XXXX. -- '' And then I discovered that on XX/XX/2018 {$20000.00} of interest was capitalized. This raised my loan balance from $ XXXX to $ XXXX. 

I called XXXX on XX/XX/2018 to find out about why interest was capitalized. I was initially told that it is because I didn't submit my re-certification. I told them that I did ( it even says so in their letter ).  They then told me that there are 2 types of IBR plans, and I was in the one that had financial hardship and now I'm in the one that doesn't. And because of this change they triggered an interest capitalization. 

I went on studentaid.ed.gov and there was no mention of the situation I encountered. There was mention that if you don't re-certify income the interest does get capitalized. But I did re-certify my income. 

Please help me remove this interest capitalization. 
I do not see this as appropriate. It was either a mistake, or a deceptive practice. I'm in IBR plan, my income has increased so I'm paying more while under the IBR plan and they capitalize my interest. This makes my total repayment even higher. 

I would greatly appreciate your assistance.
Consumer complaint received 2022-07-01
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: Experian Information Solutions Inc. (CA)

On my XXXX credit report, I requested a collections account be removed a few months ago and they did it. The collections account was purchased in 2016 by XXXX XXXX, XXXX in the amount of {$8600.00}. The collections was posted to my XXXX credit report in 2016. About a month later the collections company post the same collections account that was on my XXXX credit report to my Experian credit report. Up until this time it was never on my Experian credit report. I disputed with Experian that the collections should not be on my credit report due to California. The collections account is over 4 years old and according to California law that falls under TIME BARRED. I would like it to be removed. 

Thank you!
Consumer complaint received 2019-01-09
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: CITIBANK, N.A. (WA)

On XX/XX/XXXX I purchased an XXXX XXXX ticket through XXXX listing. As part of the XXXX purchase, a Citibank credit card application was offered with a promise of a {$250.00} credit to be realized on the new card. In order to receive the fare I wanted, I had to make the purchase immediately, which I did on another credit card - as I, clearly, did not hav the Citibank card in hand at the time. 
My approval with card number arrived today - XX/XX/XXXX. 

There is no credit of any kind indicated. When I called XXXX, the representative said, the offer was for FUTURE XXXX XXXX purchases that I would make in the next 12 months. I have no intention of buying another XXXX ticket - or any other airline ticket this year. I asked to speak to the representative 's supervisor and received the same answer. They had no resolution process to refer me to. 

I believe this is misleading and false advertising. I never would have applied for this card had it not been for the carrot dangled in front of my face for the flight I was ticketing. 

Now, I stand to have a ding on my credit rating for no purpose at all. And, when I cancel the card - there goes another ding. 

Please advise as to my options here. 

Thank you.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (CT)

i was told by so XXXX XXXX that collection activity would start 60 days after the date of the final bill which was XX/XX/XXXX -- barely a week later I was contacted by ic systems who started by asking personal verification questions .. I acknowledge i am XXXX and asked more than once who she was and what her call was in reference to she continued to sate it was a personal confidential matter and asked for more verification questions I told her I was in public and would not spout off persona info. I asked her again for the company info and stated I would block the number form calling me if she did not answer my questions she did not so I hung up in her face. In an age of fraud and identity theft and phone scams I doubted this was even a legitimate call until I called back in. I do not wish this company to contact via phone at all .. not at all until the time frame specified by the gas company
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

A credit card application for Bank of America was placed in my name on XX/XX/2022. I received the actual credit card in the mail on Thursday, XX/XX/XXXX. I called Bank of America as soon as I received the credit card informing them that this card was fraudulently opened in my name. I informed Bank of America that I wanted this card closed as soon as possible. I also was informed that a change of address was also placed in my name, but I am not moving from my current address. I am currently contacting the XXXX XXXX to report false of address change. 

Thank you, XXXX XXXX
Consumer complaint received 2022-08-01
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: Experian Information Solutions Inc. (MD)

I sent a letter off XX/XX/2022, I told the credit bureaus to investigate every piece of information the accounts I have listed below. Also, I have attached a copy of the letter I sent out, and here is the tracking information through USPS : Experian : XXXX XXXX : XXXX XXXX : XXXX According to Fair Credit Reporting Act, the term Investigate Consumer Report means a consumer report, or portion thereof, in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews, friends, or associates of the consumer reported on, or with others with whom he is acquainted or may have knowledge concerning any such items of information. They stated my account was verified, but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts are still not reporting 100 % accurate. Also, according to 15 USC 1681, everything has to be 100 % accurate. 

These are clear violations of my federally protected rights. 

Accounts Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these are accounts were mine.. 

Also, I have some personal information that needs to be addressed as well. Can you please investigate and remove these names as well? It should only be as listed at the top of this letter. 

Wrong Names : XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Wrong Addresse : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (OH)

I would like to know my private loans have been sold to a third party agency. I have been getting phone calls from XXXX, XXXX, and XXXX XXXX which I would like to know if this is a law firm, as the information that I obtained from XXXX has indicated that they are. However, after listening to the voicemail they stated that they are " customer service representatives, '' which is a clear misrepresentation. Previously Navient sent me a break down of my last student loan payments, however this information isn't clear to me. I would like to have this information sent to me with an explanation, and the exact date of the last payment. Additionally, I would like to know if this debt is time-barred.
Consumer complaint received 2018-08-29
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: ALLY FINANCIAL INC. (PA)

I was promised by several representatives from Ally Financial Auto Loan Department that they were able to remove late payments from Ally Financial. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.
Consumer complaint received 2022-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (NY)

As per two letters from Citibank dated, XX/XX/2022, Citi has deemed me responsible for bank machine withdrawals exceeding {$9000.00} made on a bank machine in XXXX XXXX in XXXX, XXXX. I strongly disagree with this decision. 

As detailed below : The incident happened XXXX in XXXX XXXX at a bank machine in XXXX. 

I responded immediately to the first fraud alert I received from Citibank, @ XXXX ( EST ), for a sum of {$1200.00}, on XXXX, XXXX XXXX. I immediately indicated that it was indeed fraud. 

That fraud alert came to me after XXXX transactions had already successfully gone through for a total of {$9300.00}. 

Whydid it take XXXX transactions from a foreign bank machine before the first fraud alert was sent? 

XXXX XXXX {$1200.00} XXXX ; XXXX XXXX  {$290.00} XXXX XXXX  {$290.00} XXXX XXXX  {$810.00} XXXX XXXX  {$1700.00} XXXX {$2200.00} XXXX XXXX  {$2500.00}XXXX {$14.00} XXXX XXXX  {$1200.00} FRAUD ALERT The letter from Citibank has deemed the activity to be consistent with your normal banking activities. Enclosed please find scans of those correspondences. 

In the thirty plus years that I have banked with Citibank, never have I ever run XXXX transactions at a bank machine within XXXX minutes. 

In fact I dont believe Ihave ever withdrawn sums near {$9000.00}. from a Citibank machine in over XXXX years in any city in the USA or in a foreign country! 

Discussions with XXXX XXXX XXXX : On XXXX, as soon as I was able to call, I was on the phone for hours with fraud prevention personnel and supervisor named XXXX. He informed me that XXXX transactions had gone through, as detailed above. He created XXXX cases for XXXX transactions each. 

I was assured that the money would be returned to my account within XXXX business days, or provisional credit would be granted until the investigation was complete. 

I called again on XXXX and spoke to supervisor XXXX. Said she would expedite the case, and was equally encouraging. 

Citi has obviously failed to adequately investigate this fraud. 

Citi prides itself with its fraud prevention capabilities. How could the system allow XXXX transactions to go through from a foreign bank machine, before determining that there might be an issue of fraud only on the ninth transaction?! 

Conclusion : I nearly fainted when I received the banks letters, determining this activity as normal. I have had a stellar banking reputation with Citi. Not only am I a victim of some advanced bank machine scam, but I am now being billed for a criminals ill-gotten gains. I am somewhat traumatized. 

In light of the above, I respectfully request that the money be returned to my account ASAP. This presents a significant financial hardship for me.
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

Wednesday XX/XX/XXXX I called Wells Fargo fraud department to dispute XXXX worth of charges that were not mine charged to XXXX XXXX pretty much drained my account, I was promised a follow up within two Businees days was never called to explain my situation more in depth did not hear anything until Friday the XXXX of XXXX and just got denied with no credit back to my debit card with no evidence or follow up
Consumer complaint received 2022-08-17
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: EQUIFAX, INC. (GA)

Good day, I noticed back in XXXX  timeframe that my equifax fico score went down XXXX pts. It was odd because I had not applied for anything to my knowledge. I have been paying my bills on time and trying to rebuild my profile. I monitor my Fico scores on several platforms and thankfully I do. 

I called Equifax on 2 occassions, 1 was to document my issue and ask for my score to be restored. While I was on the phone with Equifax personnel my reports from XXXX till XXXX was deleted. They downloaded my new XXXX report to check and see if they deleted the evidence i guess. I say that because I did not request an update to my report. 

When I called the 2nd time, it was to let them know that I noticed the deletions but I still have the reports. I aslo told them how disrespectful I thought that was. I am asking for my points to be restored to my profile immediately. 

phone number called XXXX First call ; XX/XX/XXXX XXXX XXXX lasted 9 min 11 secs Second call ; XX/XX/XXXX XXXXXXXX XXXX  lasted 7 mins 37 secs I also monitor my reports via XXXX so I still have evidence. 

This is unacceptable business practice and such aggregious actions should not be taken lightly. I have been depressed about my profile since my discovery. I have been working diligently to improve my Equifax profile.
Consumer complaint received 2018-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I can not get a payment history for my student loans. I need every payment that was ever made from XX/XX/XXXX until today for court per court order. I need this asap. I only get the run around. Sallie mae tells me to call navient. navient tells me to call XXXX XXXX. XXXX XXXX tells me to call navient. Nobody has my account and nobody can give me a payment history, or any information on my student loans. I have a case opened with obudsman, # XXXX. I need this payment history for court ASAP. Please tell me who in the United States Government Accounting Office can give an accounting of my student loan payment history. If you can not provide this information, the Fair Credit Billing/Reporting Act states you have to remove the account from my credit reports.
Consumer complaint received 2022-08-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (IN)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-07-21
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: EQUIFAX, INC. (CT)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts and inaccurate information I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts and inaccurate information : XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX CT XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CT XXXXXXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX : {$2200.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$570.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$510.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$180.00} XXXXl XXXX Balance : {$3.00} XXXX XXXX Balance : {$9.00} XXXX  XXXX Balance : {$1.00} XXXX XXXX Balance : {$20.00} XXXX  XXXX Balance : {$20.00} XXXX XXXX Balance : {$16.00} XXXX XXXX Balance : {$14.00} XXXX XXXXXXXX Balance : {$11.00} XXXX XXXXXXXX Balance : {$9.00} XXXX  XXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$8.00} XXXX XXXXXXXX Balance : {$6.00} XXXX XXXXXXXX Balance : {$4.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$9.00} XXXX XXXXXXXX Balance : {$15.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXXXXXX Balance : {$33.00} XXXX XXXXXXXX Balance : {$19.00} XXXX XXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$10.00} XXXX XXXXXXXX Balance : {$7.00} XXXX XXXXXXXX Balance : {$16.00} XXXX XXXXXXXX Balance : {$13.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$430.00}
Consumer complaint received 2022-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (GA)

company- Affirm ; Reporting incorrect information on XXXX Credit Report. 
Account says is a collection. 

company- XXXX XXXX Reporting incorrect information on credit reportin. 
Account says- its a collection