davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: McCarthy & Holthus, LLP (WA)

Attached to this complaint is a copy of a debt validation notice we received on  XXXX   XXXX ,   XXXX  , and dated  XXXX   XXXX ,   XXXX  , from the debt collection law firm  of McCarthy Holthus  in  XXXX  WA.     We dispute the validity of the debt identified in the notice and we will be sending a formal debt validation request and dispute letter direc tly to McCarthy Holthus within the 30-day period of receiving this notice. McCarthy Holthus should  cease and desist all collection activity and threats of judicial foreclosure until they have validated a debt, provide proof of creditor status and provide a complete accounting of all individual amounts, which would include a ny 3rd party payme nts made towards this loan from obligors and other parties. Evidence of any electronic transfers of the note should be provided as well to establish who is entitled to receive payments.     The notice is a threat to deprive of our property with the statement, Even though the judicial foreclosure process is being commenced an d may proceed during the 30-day period In this notice, McCarthy Holthus provides a false statement that    XXXX   XXXX   XXXX   XXXX   (   XXXX   XXXX   ), is t he current creditor to whom the debt/loan is owed.  XXXX  has never extended credit to us and has no economic interest in promissory note.  XXXX  is only a servicer debt collector.     In a previous notice ( attached with this complaint ) sent to us by  XXXX , they stated that  XXXX   (   XXXX   XXXX   ) w as the creditor to whom the debt was owed.      McCarthy Holthus  and  XXXX  are violating the FDCPA that they must comply with.      XXXX  is not a creditor per the FDCPA   XXXX   XXXX   XXXX    803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends   credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.       XXXX   XXXX   XXXX   Sect ion 803 ( 4 ) defines " creditor '' as " any person who offers or extends credit creating a debt or to whom a debt is owed. '' However, the definition excludes a party who " receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 1. General. The definition includes the party that actually extended credit or became the obligee on an account in the normal course of business, and excludes [ 53  Fed.  Reg. 50102 ] a party t hat was assigned a delinquent debt only for collection purposes.
Consumer complaint received 2017-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

As a continuation of my complaint (  XXXX  ), I was unable to dispute  Nelnet 's respo nse because both CFPB  and Nelnet 's web sites were being upgraded this weekend. Following my initial complain t, Nelnet offered me a Revised Repayment Plan, which they had never previously offered or m entioned to the amount of $  XXXX . That is still a payment that is too high for me. My wife and I file taxes jointly, which seems to greatly effect my income-based repayment plan. She has her own student loan balance of $  XXXX  to pay  ( which I sent proof of with my required income-based repayment plan ). The re p on the phone assured me that if I sent proof of her student loan responsibility that would greatly decrease my income-based payment. That did not happen. After proving my wife 's income, having her own loan balance, a child, and a house, not enough came off of my monthly payment to actually make it continuously payable.     This is a predatory and truth withholding industry that will crash like the housing market did. I get the sense that they know this and are trying to make as much money as possible before their ultimate demise.
Consumer complaint received 2017-04-25
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. (WA)

Equifax did not investigate dispute properly, refused to provide information or delete the unknown medical accounts.

Actions taken:

2017- XXXX  Filed a dispute on unknown medical accounts to Equifax.

2017 XXXX  Found results on their site (never received results over snail mail), basically the results were "We verified that this item belongs to you. If you have additional questions about this item please contact ".

2017 XXXX  Contacted the reporting  with a dispute and request for validation on this unknown medical account as per instructions from Equifax.

Never got any response from the collection agency. I have a proof of delivery of my validation letter to the collection agency.

2017 XXXX  Re-disputed to Equifax with copy of the letter to the .

2017 XXXX  Received the same result from Equifax. Equifax did not investigate properly, did not provide requested information about unknown accounts nor deleted them, did not properly marked accounts as in dispute.

Please note that Equifax is the only credit reporting agency reporting these unknown medical accounts.   XXXX   never have them,  XXXX  deleted after dispute.
Consumer complaint received 2017-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (GA)

I called someone on  XXXX  and  XXXX  requesting the extended fraud alert he removed. This alert is preventing me from purchasing a car. I was told on  XXXX  that it would be  24 hours and t he alert would be removed. I called   XXXX   and the alert is still there
Consumer complaint received 2017-04-25
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. (GA)

XXXX   XXXX   XXXX . is saying that I owe {$250.00} for a hospital bill. I have no outstanding bills with this hospital or  XXXX   XXXX   XXXX . This was not me
Consumer complaint received 2017-04-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (OR)

Please re-open complaint  XXXX  immediately. I have gotten no satisfaction. I 'm starting to think this department is completely automated.  US Bank stole several hundred dollars from me and I caught them red handed! I received one phone call from someone with the bank who essentially told me that I was out of luck because I was forced to close the US Bank account from which the funds were wrongfully deducted as a last resort measure to stop them from paying unauthorized recurring charges each month. I closed the account and opened another within the same 15 minute period and they suggested this was sufficient reason for them to get a way with not repaying the hundreds of dollars they stole.     Do not close this ticket until I get an explanation! The only answer they have given thus far is that they will look into it and get back to me in a couple of months! I have heard this before. If there is a live person reviewing these complaints please re-open my ticket!!!     Thank you  XXXX
Consumer complaint received 2016-09-28
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (CA)

Experian continues to list items on my credit report that have reached its Credit reporting statute of limitations of 7 years. I have filed multiple disputes to have these removed from the credit report, and they keep refusing to remove them stating that they have already investigated and will not conduct a new investigation. The other XXXX credit reporting agencies, XXXX and XXXX have removed these negative items, but Experian will not. Here is a list of negative items being reported by Experian that have reached the statute of limitations for reporting : XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX I would really like them to follow up with a proper investigation and remove these items, which should no longer appear on my credit report as the other XXXX credit reporting agencies have done
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I have a tour company and I use citi credit card to purchase airline tickets. Because of the coronavirus recently, I am getting a lot of air tickets cancelled and the money keeps returning to my credit card, so the balance became negative and the amount citi bank owe me keeps increasing. 
On XXXX, the balance was around XXXX so I called citi bank to requested a refund to my checking account. 
On XX/XX/XXXX, I messaged citi bank to ask about the progress and was told the refund request was declined because of the amount requested was larger than the amount they owned. They were lying because the balance was around XXXX when I called. 
On XX/XX/XXXX, I messaged citi again and ask them to send a refund of XXXX to my bank account. My company is suffering from the impact caused by the coronavirus so we need the money desperately. 
It's XX/XX/XXXX today and the balance is now around XXXX and I still haven't received the refund. 
During such a difficult time for everyone, shame on you citi bank!
Consumer complaint received 2017-04-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Duncan Solutions, lnc. (GA)

XXXX    XXXX    XXXX  is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  or   XXXX    ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports.   XXXX      XXXX    XXXX  are in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.
Consumer complaint received 2017-10-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AFNI INC. (AZ)

Several months ago, I began receiving voice mail by AFNI stating that I was guilty of nonpayment of bills. I was told to call a number ASAP. I have ignored this request : I owe no bills and I assumed it was a scam. For months now, I receive 5-6 calls/day. 
I would like this to stop.
Consumer complaint received 2017-04-25
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TX)

Keep receiving letters from them saying I owe a loan from Citibank which wad paid in full in   XXXX   loan for school. I called  Citibank  and was told I owe them nothing. Their student loans were sold to another company which I called as well.     W hen you call Credit Control, there 's several numbers, no one answers, just voicemail. They buy debt that is closed, ghost debt and expect consumers to j ust pay with no proof until asked, that is, if they can provide.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: PNC Bank N.A. (OH)

Received a PNC bank debit card on XX/XX/2022 that was unsolicited and never applied for. Called bank and they said someone applied but the email was not one of ours.
Consumer complaint received 2017-04-25
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: CITIBANK, N.A. (GA)

XXXX   XXXX   XXXX   XXXX   in  XXXX .  XXXX   XXXX   XXXX   XXXX , SD  XXXX  made unauthorized payment on my account on  XXXX   XXXX   XXXX  when I called in they tried to blame me for making the authorization while i did not even initiate anything. on   XXXX   XXXX   XXXX   they send me an email asking to pay a minimum amount of  XXXX . This company is making fraudulent transaction and authorization without the knowledge of their customers to ruin their credit history.   Although, my account is a roll over account showing that minimum payment of  XXXX  is due every month.
Consumer complaint received 2020-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP (PA)

I was told to call my unemployment us bank card about my funds and I got no respond back. Now, I email the unemployment about my bi-weekly claim and they told me to call the card. Which I been trying all day & yesterday about my funds. I had went online and XXXX keeps saying this card not even activated but I do have a PIN number. The online system isnt responding my request. I been calling all morning about my issues about this card. I need my funds. Every time I call it back the line is busy. Or it just hang up
Consumer complaint received 2017-04-24
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LoanCare, LLC (NJ)

Loancare took over my mortgage in  XXXX  of  2017. Paid  previous payments to  XXXX   XXXX   XXXX  without any late payments. After not processing my first 2 monthly payments properly. They but a negative mark on my credit report and sent me a foreclosure letter after seeing the mistakes I promptly paid the past due amounts as well as all the current payments. I believe they processed this neg mark way before the allotted time aloud with out reaching out to me to rectify the problem. Sent letter to them on  XXXX   XXXX   2017 w as told in would be looked into  5 b usiness days afte r 10 i calle d in and was told in would be resolved on  XXXX     2017. Ha ve called in multiple times with no return call or contact from a supervisor. And it is past the 30 days off investigation.
Consumer complaint received 2016-03-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (OH)

Chap XXXX filed in 2009. It was dismissed and closed because of job loss do to permanent XXXX. Credit agency says they will not remove for 10 years claiming that they would only remove in 7 years if it was discharged. I did not see that distinction in the Fair Credit Reporting act
Consumer complaint received 2017-04-24
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (NC)

On about end of  XXXX    XXXX  , I applied for a Best Buy Store Credit Card after researching about the benefits and rewards that is advertised on their web site. I did this after I went through researching the unclear advertising of the credit card, when I contacted an online representative to check how it works and also showed up in a store branch to re-check and confirm the credit card service and its benefits. The representative at the store confirme d that 1 ) I can finance 2 ) and receive the % 10 ad vertised rewards for th e 1st purch ase using that card. She also applied for me when I was there. At the same time after she applied, she used the card information with my approval to make a purchase of about {$3000.00} of computer items in the store.     I did not receive the  % 10 rew ards after a while when I showed up again in the store and someone told me I have to wait more as it may take up to 3 months for the rewards to be available on my account. On  X/XX/2017    when I escalated the case to Best Buy customer service, I was told that I have lost my %  10  rewards because of opting for financing.   Customer care stated the store representative who had applied for the credit card and made th e 1st  purchase for me on  XXXX  had failed to either apply for a %  XXXX  coupon or did not have appropriate training to know about how this promotion works. Either case, I made my decision to apply for the credit card for the benefits that was advertised which was also finally confirmed by the store represantative and I 'm disappointed about false information or unclear advertisement of this credit card service. I would have never applied for opening a credit card only for financing, and I could make this purchase for a much better price from another store if it was n't because of the 10 % rewards that is advertised on BestBuy.com web site.
Consumer complaint received 2017-04-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (IL)

We were offered a home loan modification  by Ditech. W e 've been waiting for the paperwork from them for 4 months. Every time we call to ask when we are going to get the paperwork they make up some excuse saying there is a glitch in the system that needs to be fixed. We have been making our payments and yet they reported that we have n't been and ou r credit score i s down to  XXXX . Now no other mortgage company will refinance us because of our  credit score and Ditech  wo n't update our records so we are stuck and do n't know what to do. They wo n't send us the paperwork to finish our modification and wo n't fix our  credit score  and update our records that we have been making our payments. We are stuck.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NC)

Hi, I have been trying to work with Equifax for over a year now, Starting XX/XX/XXXX, to fix the issue of lenders not being able to pull my credit report. They get an error stating that this could possibly be fraud and can take no further action on my request. 

I have contacted Equifax at a minimum 20 times over the past year and they give the same verbiage " there is no freeze, lock, or fraud alert '', this must be an issue with the lender. EVERY SINGLE LENDER IS WRONG EXCEPT EQUIFAX. I have been attempting to get a home loan and other personal loans for medical expenses and this has been a real hinderance. 

I faxed over identifying documentation, front and back of drivers license and front and back of SSCard, to no avail on Monday XX/XX/XXXX. Called after the fax was received and still no resolve. Please help me in correcting this matter.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

My Navient student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.     Navient refuses to correct the incorrect data supplied to all three credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!
Consumer complaint received 2017-04-24
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. (GA)

Issue : Student loans by Dep of Ed/ XXXX  (  XXXX  ) are being reported as deferred, part of Chapter  XXXX , and delinquent at the same time. I have talked to  XXXX  who have assured me that the student loans are not delinquent. Also my bankruptcy does not include student loans (  XXXX  ).     I last contacted credit bureaus in  XXXX   XXXX  about incorrectly reporting student loans. They sent me a reponse saying that the student loans were being reported correctly. Also contacted all bureaus multiple times during  XXXX  and  XXXX .
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Accurate Background (AL)

I was a victim of Identity Theft in   XXXX  . The address and phone number listed below is not nor has ever been my address  XXXX   XXXX   XXXX   XXXX ,  XXXX , Alabama  XXXX   XXXX . This address is referenced on the report from  XXXX . Please advise.
Consumer complaint received 2023-02-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

When I discovered that my debit card ending in XXXX was being used for unauthorized purchases, I called Citibank to have the card cancelled. When I requested a new card on XXXX, I was told that the card would arrive within 1-2 business days. when I realized that I would not be home due to the unsafe situations happening there I canceled that card on XXXX.they again told me 1-2 business days and I specifically in front of a witness told them to send it to a different address in XXXX instead of having it go to my old address in the XXXX. Unbeknownst to me the new card ending in XXXX arrived at the address in the XXXX and was used to charge over XXXX dollars unauthorized while I was in the XXXX XXXX area of XXXX state. I did not find this out until I went to a physical branch in XXXX on XXXX.they provided me a printout and I disputed the charges that same day. I told them where to send the replacement card again and updated the mailing address at the branch. they told me this time it would be 7-10 business days not 1-2 like before. My phone had to be changed also because of the unsafe situations mentioned above. when i try to login now I cant because the phone number doesn't match and they are refusing to change the number that's in my account so I can access my money and send it elsewhere before it risks getting stolen again. The temporary card they gave me does not have a cvv number which renders it useless for certain services such as transferring money. I am now homeless and i do not have access to money that I received from XXXX benefits because this company will not let me access my money and there are no branches of Citibank whatsoever in my area.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (NC)

Discorver Card repo rted on my credit report that the first major delinquency was on   XXXX   XXXX   The problem is I filed   XXXX   XXXX   bankruptcy prior to  Discover Card reporting the delinquency to the credit bureau.