davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-21
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: CITIBANK, N.A. (FL)

I took a mortgage loan with CitiFinancial on XX/XX/XXXX. The residence was sold and the loan was paid off in XXXX. In XXXX, I received a package in the mail from XXXX XXXX who wanted me to sign and return a document about the loan. I told them that this is fraud and the loan has been paid. 

In XXXX, I applied for a building loan and was denied because XXXX and CitiFinancial are still listed on my credit report showing late payments that can not be attributed to me, as the loan has been paid by dates shown on the report. 

I sent a Release of Mortgage to XXXX to prove that the loan was paid. An investigation was completed. Proof of the release of mortgage is attached to this complaint. 

CitiFinancial is unreachable and XXXX insists that I still have a loan with them. In XXXX investigation it clearly states that the account balance is zero, and the accounts are closed. However, This loan still shows up on my credit report.
Consumer complaint received 2021-01-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc. (SC)

After reviewing a copy of my most recent credit report, I discovered a derogatory remarked placed on my report by a collection agency named : XXXX XXXX XXXX They are attempting to collect on an alleged medical debt in the amount of {$50.00} the Original Creditor is : XXXX XXXX XXXX. 

I ( Have No Knowledge ) of this alleged debt. In addition to that reviewing my credit report was the first time I had ever seen this information. 

I never received any written notice, phone call or any other form of communication regarding this debt prior to them placing this invalid information on my report. Never allowing the opportunity to dispute this item or request validation, pursuant to the Fair Credit Reporting Act on a debt that has clearly reached the statue of limitation for collection efforts. 

This agency blatantly disregarded the federal law and placed harm to my credit rating without my knowledge. Clearly there is a violation here which is why I pray that your agency will investigate this matter.
Consumer complaint received 2020-07-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (TX)

XXXX Enhanced Recovery Company is currently attempting to collect on a debt XXXX XXXX XXXX XXXX XXXX They've reported this inaccurate information on all three of my credit reports, attempted to collect on this inaccurate debt for over 7 years, this company do not have a wet signed contract with me, written permission to store my personal information in their systems ( they are a third-party collection agency ), and I've advised XXXX that I don't think this balance is accurate. I want my personal information to be removed from this company database.
Consumer complaint received 2020-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (WI)

On the credit report it shows that we still have a mortgage with Nation Star/ Mr. Cooper XXXX 
This mortgage was transfer to XXXX in 2017. We do not owe money on this to Nation Star. It needs to be removed or reported as paid in full.
Consumer complaint received 2021-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A. (NJ)

I suspect that I am being XXXX or have been ) overcharged for my private student loan, originally received from Citibank. Some of the loans were sold to XXXX XXXX " loans 20-21 ' ) and I have paid those off. According to Citi, they also may have sold some loans XXXX or deferred them for servicing XXXX to XX/XX/XXXX( " loan XXXX '' ), account number XXXX. I would like to obtain the statements and supporting documentation for loans 20 through 22, including promissory note, from Citi, to verify that they didn't sell my loans twice, and if not, that I am not being overcharged for my loans.
Consumer complaint received 2020-05-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

JPMCB Slate Card XXXX Opened XX/XX/XXXX Closed by Creditor XX/XX/XXXX Late payments : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Made 89 % Payments on time, percentage was higher at time of closure. 
Recently became aware that account was delinquent and had been closed. Found this out after a rental company pulled my credit report. 

Due to this card and another closed by Chase Bank who reported several delinquent marks, my credit has dropped significantly. I am unable to rent any properties due to this. 

This acount to the best of my knowledge had been set up for automatic withdrawl for at lease minimum payment. I do not see the withdraw from my checking account nor application to Chase account. All negative marks still appear on credit report, along with amounts considered as due now. 

XX/XX/XXXX I spoke with customer service at Chase Bank with attempt to resolve the negative marks. I brought to attention that my account had always been on time until, unbeknownst to myself that the automatic payments had stopped being withdrawn. I was unaware of this, and want to make this right with the company. Customer service told me there was nothing they could do to help me. 

On Chase account online, there are no No notices or letters on my account. 
There are also no branch documents. 

I am a nurse that makes a great living. I am honest and want to make this right, I feel like this was out of my hands and I was unaware of the situation. Now I am unable to secure a place to live do to these negative marks. The creditor did not help at all.
Consumer complaint received 2022-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (KY)

I did a balance transfer on XX/XX/XXXX for {$6000.00}, it posted to my account on XX/XX/XXXX. That balance transfer was deposited directly to my checking account as expected. I just received my statement from Barclays and I am being charged twice for the same balance transfer. The one that posted on XX/XX/XXXX and the second one that posted on XXXX ( both with the same transaction date of XX/XX/XXXX ). I only requested 1 balance transfer. I have only received one deposit of {$6000.00}. When I reached out to Barclays today to discuss they are telling me they only have 1 balance transfer processed, although they are charging me for two ( nevermind I only requested one ). 

They refused to place the transaction in dispute. They kept me idle in chats for over an hour and as soon as I didnt respond they would disconnect. I was told by the first person they would open a case. The second person I contacted said that person did not open a case and absolutely refused to address my questions or transfer me to a manager. They could never address why a second charge was posted. Just, sorry about that .... it must be on its way to you. A balance transfer that I did not request. I will repeat again, I only requested 1 balance transfer. I received 1 balance transfer. But, I am being charged twice. It is so obvious on the statement and the customer service reps are playing oblivious and refusing to protect my rights under the FCBA/FCRA.
Consumer complaint received 2021-10-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: FlexShopper, Inc (WA)

Company called and left threatening voicemails saying they were going to take me to court over a debt i was unaware of at the time and they called family members and my employer. 

While speaking to my employer they asked what the procedure is for cops to come arrest me at the workplace. 

After that i got in contact with them and they said I owed an ammount of approx XXXX for a debt from 2016, I assumed the debt and payed off a negotiated ammount. 

Now, weeks later, they start calling family members again and leaving voicmails of threats to locate me and sue me for " intentionally defrauding a financial institute '' when I spoke to them now all of a sudden theres a " 2nd '' account that wasnt mentioned before and i owe another approx XXXX for reasons unknown to me and seemingly unverifiable by them. When asked repeatedly what their company name is I finally got XXXX from the representative. 

They called from various numbers and the contact number is ( XXXX ) XXXX they never answer with a company name just their personal name.
Consumer complaint received 2020-12-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (PA)

Venmo froze my account with {$700.00} a month ago and still hasnt resolved the issue! This has now been a month of me fighting to have MY money transferred to MY bank. I verified my identity and now they want bank statements which is personal! The money I transferred was to my fianc and they froze my account and it cant even be put back into it! How does a company withold your personal money for a month!?
Consumer complaint received 2021-11-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC. (MI)

I am a consumer of the United States Corporation. Navient has violated my rights do to the FDCPA and the FCRA. I am the natural person therefore, i don't owe any alleged debt. Under the FCRA 15 usc 1681b - a consumer reporting agency can only furnish a consumer report with the WRITTEN permission of the consumer. This company has committed identity theft by furnishing this tho my consumer report. Also, in the FDCPA 15 usc 1692 ( g ) states that i am the original creditor. How can anyone try and collect a alleged debt if they are not the original creditor. I am demanding that you XXXX  out my balance. I dont owe any debt and i will not be paying an alleged debt. Therefore, i need you to stop reporting any alleged negative information to all consumer agencies and report positively on my consumer report every month with a XXXX balance. If you guys continue to do this i will pursue legal action. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip onXX/XX/XXXX
Consumer complaint received 2020-07-21
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. (PA)

THE DISPUTED ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.
Consumer complaint received 2020-07-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-07-21
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. (NY)

To whom it may concern, I was looking at my credit report recently and noticed a bunch of unauthorized things I never applied for or gave anyone permission to run my score. This was never approved by me and i have no idea where all of the following inquries are coming from. come. Someone is trying to steal my Identity. On my credit report they are saying I have the following late fees XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All of this is not accurate. I never went to these places and applied for same card as it would make no sense. All I am looking to do Is have accurate information on my XXXX, Equifax and XXXX  reports. Also I have a derogatory mark from enchanced on behalf of XXXX  which shouldn't be on there as that was settled at XXXX  store and was no where near that price. Any help removing all this negative items off my reports truly appreciate it.
Consumer complaint received 2021-05-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I received a letter confirming the refund of the disputed amount the the company decided on my favor. It said on the letter that after 7 to 10 bussisnes days I should received my money, until this day the company hasnt done anything. Several call and none pf the department hace any respond
Consumer complaint received 2020-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. (PA)

I writing because I pull my credit on XX/XX/XXXX found out about this collection from AR RESOURCES Account # XXXX Original Creditor : XXXX XXXX XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter they received it by XX/XX/XXXX ( attached letter ). They did not reply to my initial letter XXXX XXXX XXXX  they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals Ninth Circuit.No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre. 5 ) AR RESOURCES this item was deleted from my credit but reinserted without me being notify in writing within 5 business days. Consumer Protection afforded by the FCRA PART ( A ) ( 5 ) ( B ) ( ii ) Fine of $ 1,000.00.Be aware that I am making a final goodwill attempt to have your clear up this matter.The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. If you and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially.
Consumer complaint received 2021-01-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (NC)

On or before XX/XX/XXXX, I checked my consumer credit report and noticed the credit limit on two of my credit cards had been significant decreased. When I called the credit card issuer, they said it was reduced because of a recent credit pull. One account with Synchrony Bank XXXX XXXX XXXX XXXX XXXX had a credit limit of {$4500.00} and was reduced down to {$1700.00}. Another Synchrony Bank XXXX XXXX XXXX account had a credit limit of {$2600.00} and was reduced down to {$1000.00}. 
This has drastically affected my FICO scores as I had spent months, even years, maintaining a lower balance to make sure by credit usage percentage was 30 % or below. Now it is reflecting a 95 % credit usage ratio which in turn has dropped by score by 40+ points. 
I did not receive a letter about the changes via the mail until this week. The letter was dated on XX/XX/XXXX. According to said letter, my XXXX credit score on XXXX was XXXX. My XXXX  score has never been XXXX. Other reasons for their decision was too many revolving accounts with high balances '' which is also false. " Too few accounts paid as agreed '' which would only be student loan accounts over 3 years ago. These accounts would have also been the same reporting when I was approved for the accounts. 
If my credit limit was to be decreased, the creditors should have given me a written notification BEFORE the account and allowed me time to pay the balances down so that I may not be adversely affected by the changes. The Credit Card Act of 2009 requires creditor to give me 45 days notice of any major changes. This bank performed a soft credit pull therefore I was not even aware of the credit review and did not send me written notification until after XX/XX/XXXX.
Consumer complaint received 2021-04-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

On XXXX I requested validation from SCA COLLECTIONS of two unknown medical accounts being reported to XXXX, XXXX, and XXXX. They have provided me zero information to validate these debts. I believe they are reporting fictitious information on my credit reports. This strikes me as being deceptive. These accounts have been left invalidated and must be removed by law. In fact, SCA COLLECTIONS may be violating HIPAA laws along with Federal and State statutes on fraudulent extortion and illegal collection activities.
Consumer complaint received 2020-12-05
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. (IL)

On XXXX I sent a letter regarding inaccurate and unknown things on my consumer report. To this day over 30 days later I have not received a response yet. I feel as if I am taking advantage of and being ignored by my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my consumer report, it has been well over 30 days so I demand them to be deleted promptly.

FCRA 15 USC 1681 governs my consumer report. 15 USC 1681a. ( 2 ) acknowledges as a consumer, my reports are my reputation. Since bad debt has been furnished to each of my consumer reporting agencies, my reputation has in fact been ruined. 
The Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached. 
I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to the lack of consent. 
Please show good faith in this matter by expediting the deletion of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. My information was also impacted y te Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-05-04
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX is the power of attorney too XXXX  XXXX XXXX aka XXXX XXXX XXXX, companies. I am a beneficiary owner heir too this. Company request a copy of all beneficiary XXXX  information too this company from the old owner too me as the new owner, XXXX XXXX. Cpa accounting too what yall are doing with my .money as well .on the personal side of this company. And if i own XXXX XXXX  too same thing needed. A. Copy of operational agreement. XXXX. The cpmpany agent has this information. The public side want see it .the private side can only see this. ..if yall refuse too give me this information. Get ready for law suit and jail for abuse me..XXXX XXXX XXXX   .been deceased sense 1999 .and yall have fail too give me all legal paper too his estate .and cpa accounting. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. Business address XXXX XXXX XXXX XXXX ga XXXX. Also i am ask for a 3rd party form too sign .on the behalf of my self too wellsfargo too give yall permission too get this information from XXXX XXXX Or XXXX XXXX XXXX. Too .also .this message is too wellsfargo and company too .i need all information as a beneficiary aka XXXX too all this information i am asking. I am seeking. Not a account. I am seeking ownership paper too all the businesses in this text.
Consumer complaint received 2020-05-04
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. (IL)

On XX/XX/XXXX my sister went to XXXX XXXX mall after we went out for lunch around XXXX I had my shopyourway mastercard in my pocket when I went to the mall but when I shopped at sears I realized it was gone so i figure and the card could be in my shopping bag when or slipped out so sear was able to let me use my card with my SSI and Id card so I after I was done I went to back track to see if I left it in a store but no one claim to have it so I received a notification on my phone that it was a fruadlent charges being made on my card someone went to XXXX XXXX  and tried to spend {$690.00} and they also went to XXXX and actually spent {$71.00} and that'a store I can't wear anything in im plus size woman and XXXX these were KIDS look at these charges XX/XX/XXXXXXXX XXXX  XXXX XXXX IL XXXX {$3.00}, XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX IL XXXX {$7.00} XX/XX/XXXXXXXX XXXX # XXXX XXXX XXXX IL XXXX {$71.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX {$6.00} XXXX, XX/XX/XXXXXXXX XXXX  XXXX XXXX IL XXXX {$3.00} XX/XX/XXXXXXXX, XXXX XXXX  XXXX {$29.00} XX/XX/XXXXXXXX XXXX  - XXXX XXXX  XXXX XXXX IL XXXX {$4.00} XX/XX/XXXXXXXX 'S XXXX  XXXX XXXX IL XXXX {$6.00} And they were dismissive and rude towards me I have reached out twice and they are still accusing me of this crime and I refuse to pay for someone elses crime espeacially during this covid 19 pandemic.