davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-30
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2016-02-29
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX i have asked for a payment history over 60 days ago and i believe the late payments reported are incorrect. XXXX 2012, XXXX 2012, XXXX 2012, XXXX 2012 and XXXX 2012.
Consumer complaint received 2022-02-04
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. (GA)

Disputed filed via us mail on XX/XX/XXXX, disputed opened with Experian XXXX. Included in the dispute is a collection account with XXXX. I also mailed a dispute with XXXX onXXXX. XXXX never validated account, and it was deleted by XXXX and XXXX, Experian refuses to delete. They completed their investigation on XX/XX/XXXX, and continue to report inaccurate information on my report regarding XXXX as well as other accounts including XXXX XXXX, which should not be listed on my credit report, & XXXX XXXX, ( whom I've also contacted directly to dispute via US certified mail, and did not receive a response ).
Consumer complaint received 2018-03-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A. (CA)

I opened an account at Citi, i think its a brokerage account but i opened it at the branch. this account was opened in XX/XX/XXXX or around about that time. I have been trying to close the account since XX/XX/XXXX. I have gone back to the branch they have said they cant help me. I have gone to another branch they have said they cant help me. i think its their wealth management people that need to do this. but they will not tell me who to contact or where to go to get it. 
I have tried calling the number on the statement, i have tried calling the secondary broker they used that sent me a letter saying the account is considered abandoned. all the numbers they give me have gone back to the same auto attendant that has no human option and no option to help me. 
I called their other back up broker XXXX  multiple times and they finally gave me a number for Citi that went to a voicemail for which i have left at least 5 messages for.

I know this sounds rediculous and i sound crazy, but i have written FINRA as well, and no one seems to respond to me. 
My account number is XXXX and the value of the account is about {$5000.00} or {$5500.00}. I am not sure where to turn to, as no one will help me. I think spending ten years to try to get my money or stocks back from a bank like Citi is  excessive and the amount is not even that much. I have statements and letters but i dont have anything recent as they have stopped sending statements and i have changed my address.
Consumer complaint received 2022-02-04
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. (SC)

I put {$5000.00} on a secure card with XXXX XXXX  to rebuild my credit. They know these cards are intended for that purpose. 

I pay off my card in full each month for 4 months. 

On the XXXX month, in XXXX 2021, I paid it off in full and they CLOSED the account. I called and asked them why and they said they did not recognize the bank account ( XXXX XXXX  ). I mailed them my statement and they re-opened my account after a week. 

I asked them to update to the credit reporting agencies that my account was OPEN and they refused-telling me I had to do it. 

I have send documentation to Experian XXXX and XXXX XXXX and still the report shows my account as closed, lowering my credit score. 

Both Experian and XXXX XXXX  are reporting false information and I want this rectified.
Consumer complaint received 2021-08-10
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. (NC)

I have contacted the credit bureaus several times informing them that someone is using my personal information to open credit in my name without my permission. 
I have listed the dates and the information in the section I was told. Please delete this information.
Consumer complaint received 2018-03-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (VA)

AFNI is attempting to collect debt from XXXX XXXX XXXX in which I never received notice and do not owe this debt. There is no account in for this debt besides incorrect address and it is supposedly from 2013 for the amount of {$720.00}. I called the collection agency and they will place in dispute. I am trying to purchase home and it seems like I am actively being targeted for old nonexistent bills.
Consumer complaint received 2021-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NC)

The creditor was not able to provide any form of documentation to verify this specific account with me. I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the FCRA. These creditors have had 330 days ) and ( 4 dispute letters sent ) to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Please do not close this complaint without resolving this completely. Thank you
Consumer complaint received 2015-09-01
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (MT)

I wish to file a complaint about U.S. Bank and how they have failed to process chargeback requests from XXXX of this year, then claimed my credit card account was past due when it was not, and then had the temerity to turn my account over to their collections department, even though it is not past due and - in fact - should have a credit balance. They have this account all screwed up ; yet, despite my numerous attempts to help they fix their errors, they STILL have not fixed the problems they created and they compound their errors by dunning me with inappropriate late fees and interest charges on this closed and fully paid account, and now they are going so far as to harass me by calling me falsely claiming that I owe money on this account, which I do NOT!
Consumer complaint received 2022-07-20
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

This is my next stop to get the corrections needed on my credit report. About 4 letters and 2 phone calls each have resulted in no corrections so far from Experian, XXXX, and XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have been opened and used by someone either using my name or the bureaus randomly applied this to my credit file. There have been so many inaccuracies going on its is hard to tell if this is all a scam or what. What I do know is that I have to give permission for them to provide, list or report anything on my credit report. If no said permission is given then each company including the bureaus are in violation of the law per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Consumer complaint received 2022-02-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

My information was used without my permission to multiple companies this was the letter I got a call from that number from XXXX XXXX he was impersonating him i can only guess. They took all my information from that call and now this.
Consumer complaint received 2016-10-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alpha Recovery Corp (CA)

I have been contacted twice within a year by Alpha Recovery Corp for a sum of money Scram of California says I owe. I made timely payments while subscribed to the device and never heard anything more until years later when i got a call from Alpha Recovery. I 've never missed a payment on anything in my life. I did n't want to hassle with it last time so I just paid it in full ( {$130.00} ). Now, they are saying I owe that same amount again. I wish to dispute these charges as I do n't even understand where they are coming from and if there will be more another year from now. But the guy from Alpha just screamed at me and told me I had to pay it. He would n't tel me what my options were if I disputed the amount or requested more information on what this was in regard to. I do n't know how debt collectors work but this seems ridiculous. I do n't feel comfortable just handing over my credit card for some amount of money I have no idea how I owe. The threat of ruining my credit made me pay it last time but I ca n't just keep paying this amount every year not even knowing why and Alpha wo n't give me any information other than to yell at me and then hang up on me.
Consumer complaint received 2016-12-20
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Caliber Home Loans, Inc. (WA)

This is an email I sent to XXXX that explains what has happened with XXXX as well as Calibur Home loans not resolving the issue : Hi XXXX, I have attached all the documentation for my escrow shortage. The first document is my escrow analysis showing a payment of {$1500.00} on XXXX. The next document is a copy of the check that XXXX sent. The next document is the XXXX from closing showing a payment on the very last page of {$1500.00} for XXXX half taxes. The second payment from XXXX was received at the County on XXXX/XXXX/15 and the XXXX Title XXXX was received on XXXX/XXXX/15. So, there was an overpayment of {$1500.00}. There was a letter sent to XXXX asking for direction on where the refund should go and I have attached the refund request letter from XXXX XXXX XXXX. The County stated that XXXX processes XXXX XXXX XXXX 's taxes for them. 

I need this refunded ASAP. My escrow is showing a shortage and my monthly payment on my loan has gone up almost {$300.00} per month due to this error. I ca n't afford the additional payment so I need this figured out right now. I have been trying to resolve this for the last 4 months and everyone is blaming everyone else. I have also copied my loan officer on this email so if you could " reply all '' that would be helpful because she is trying to help me resolve the situation. 

Thank you, XXXX XXXX XXXX cell
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

The account XXXX is incorrect on all 3 credit bureaus. Upon reviewing the report today XX/XX/23 I notice that the information is still incorrect ( the late payments, the loan amount, the balance amount ). The information is also not the same across the board when looking at each credit bureau report they all have different infomation in regards to this account. I am asking that this account be removed from my credit report for the information shown is inaccurate.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX  XXXX Balance Owed : {$0.00}
Consumer complaint received 2022-02-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

I am aware that Midland Credit Management has violated my federally protected consumer rights which has caused me anxiety, mental anguish, defamation of character and my reputation. I received a letter in the mail from Midland Credit Management stating that I owed a debt of {$610.00}. Pursuant to 15 USC 1692b ( 2 ), a debt collector can not state that such consumer owes any debt. A debt collector pursuant to 15 USC 1692a ( 6 ), means any person who uses any instrumentality of interstate commerce or the mails in any business the. principal purse. of which is the collection of any debt, or who regularly collects, or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Pursuant to 15 USC 1692c, I never gave Midland Credit Management prior consent to communicate with me regarding any alleged debt. Pursuant to 15 USC 1692a ( 7 ), I never gave Midland Credit Management the authorization to obtain my location information which lets me know that pursuant to 18 USC 1028, Midland Credit Company possessed an authentication feature with the intent such authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used which constitutes to fraud pursuant to 18 USC 1028A . Pursuant to 15 USC 1611, Midland Credit Management is criminally liable for willfully and knowingly giving false and inaccurate information to me regarding the alleged debt. Pursuant to 15 USC 1692e ( 2 ) ( a ), Midland Credit Management gave a false representation of the amount that they say I allegedly owe.
Consumer complaint received 2022-07-20
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: Maximus Federal Services, Inc. (TX)

A portion of My student loans were were discharged. I have submitted documentation on several occasions to the credit reporting agency XXXX and XXXX and they have failed to properly investigate and remove inaccurate reporting on my credit file.
Consumer complaint received 2015-06-11
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (NJ)

My loan has been delinquent for years I explained to the mortgage company my hardship which was my home was severely damaged during the XXXX storm and was not able to reside in my home and for two years no one lived there while I finished all repairs and started the renovation process since then I finished quit a few packets for loan modification and have provided every paperwork that they requested. I have proven to afford my home and have passed state and county home inspections to occupy my home, I would like assistance in my loan because I can afford my home and I want to keep it.
Consumer complaint received 2015-09-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: ASSOCIATED BANC-CORP (WI)

On Wednesday, XXXX XXXX, I checked my bank balance on my phone through the bank 's app. I saw a balance of {$200.00}. After seeing this, I proceeded to make purchases on my debit card. The following day I received an email notifying me of an NSF fee that had been deducted from my account. I checked my account online only to realize that our balance had been $ XXXX when I checked it on the app. ( There may have been parentheses around my balance which were the only indication that the account was overdrawn on the app. This did not register with me as a negative balance. ) By this time, there were XXXX {$35.00} NSF fees. I called my local branch and was informed that I would need to speak to the branch manager but that she was in a meeting. It was suggested that I either call back the following day or contact a toll free customer care number. I immediately called customer care, and had XXXX of the fees removed but was then informed there were XXXX more being added for a total of XXXX. The customer care rep informed me she could only do a courtesy credit of XXXX fee per year. We have tried to negotiate these fees with the branch manager since then, but she does not seem able to help us though she continues to try. We were not aware that when we opened our account we had allegedly agreed to " overdraft protection '' which was why our debit card was not declined at any point after we were overdrawn. We do not regularly run our account down to XXXX. A purchase made over a month ago, came through very late and unexpectedly. We were always under the impression that in the unlikely occurrence that we were ever out of funds, our card would merely be declined. Since this happened I have opted out of this " protection '' regarding my debit/ATM transactions.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these inquiries XXXX XXXX XXXX ( Finance ) XX/XX/XXXX ; XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2022-07-20
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. (IL)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} ; XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2022-07-20
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. (TX)

A portion of My student loans were were discharged. I have submitted documentation on several occasions to the credit reporting agency XXXX and Equifax and they have failed to properly investigate and remove inaccurate reporting on my credit file.