davidheineman/consumer-finance-complaints-large huggingface dataset:
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: AFNI INC. (CA)

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of a new loan transaction and this error is causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. Please delete this fraudulent account from my credit report. I am submitting this dispute for myself and not anyone else.
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A. (CA)

I have an account with Citi bank, the place a hold on my account stating XXXX   has placed a hold and they are closing my account and they dont have a time frame for that unless XXXX  removes the hold. I spoke with XXXX  they said they reported my Banking Credit Report and have nothing to do with my account and my money into it. There customer support says otherwise and they didnt transfer my call to their supervisor and kept me on hold for one hour and then disconnected. There customer care/ security department doesnt have appropriate knowledge and they dont listen to the customer. 
I am on disability and not able to move around all my monthly instalments and rent payments are bouncing because of the hold without giving any reason. 
I have already applied for getting my XXXX  banking credit report which they say 15 days to process and another 30 days to settle the dispute and the bank says unless this is not resolved they wont give me money back. 

Please help me resolve this matter ASAP. 
My account number is XXXX and XXXX.
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. (IL)

MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.
Consumer complaint received 2015-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (TN)

EQUIFAX INFORMATION SERVICE LLC XXXX XXXX XXXX, GA.. WWW.EQUIFAX.COM PH # XXXX ON THE DATE OF XXXX/XXXX/2014CONFIRMATION # XXXX STATE THAT SEVERAL ON MY CREDITT REPORT BELONG TO ME. IT IS THEM CREATING A CREDIT REPORT SCORE FRAUD THAT DOES NOT BELONG TO ME.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I never received my letter of deficiency from XXXX XXXX XXXX XXXXfor a car loan back in 2015 they are reporting I owe full balance and I don't. Never was offer buy back chance either. After car was totalled in a car crash I had full coverage insurance and gap.
Consumer complaint received 2019-02-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX  on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX  unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
Consumer complaint received 2016-02-29
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (MD)

My due date was on a Sunday, XXXX/XXXX/16. The payment was delivered on Monday, the next business day, and yet I was charged a {$25.00} late fee. I have never made a late payment in the lifetime of the account and I am concerned this is an intentional practice to extract late fees for payments that can not be delivered on days when banks are not in session.
Consumer complaint received 2015-10-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

My mortgage company Ditech began charging me a late payment charge last month that they had not previously charged. I rely on my monthly Social Security payment to pay my monthly mortgage, and I do not receive my Social Security payment of {$2500.00} until the third Wednesday of each month which means I do not pay my mortgage payment of {$1300.00} until after the XXXX of each month. Last month they harassed me with about seven phone calls, and I finally answered and told the woman to quit harassing me because I could not pay before I received my Social Security. This month, Ditech decided to begin charging me a {$26.00} late fee monthly.
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (NJ)

i have 2 credit card through XXXX XXXX XXXX for some reason my card ending in XXXX all 3 credit report agenceys are reporting it closed but its not closed i have spoke with XXXX XXXX customer service rep at XXXX XXXX XXXX and she has tried fixing it but its keeps reporting as closed the account is not closed.
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: EQUIFAX, INC. (MS)

Equifax is stalling on my re-investigation by claiming that they can not locate my file due not not having my full social number and proof of identification when in fact they have previously verified my identity. 

Equifax is reporting the date of last activity on the collection account in question as XX/XX/2022 this is an 605c running of the period violation due to they have re-aged the date of last activity when it is in fact suppose to report as the last time a payment was made on this account. 

They have failed to properly validate that this account is reporting maximum possible accuracy and due to the present violation there is no way they properly investigate this account. 

I would like for XXXX and XXXX to provide PROOF of this alleged debt as they can not ASSUME that this debt belongs to me without PROPER verification. Please note that an itemized bill does not constitute proper verification. 

I have no Written agreement with XXXX and XXXX nor have I ever done business with this company .. both companies have FAILED to properly validate that this account not only belongs to me but is reporting maximum possible accuracy per the FCRA
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I recently checked my Credit Report and I have noticed a lot of inaccuracies on the accounts being reported to be derogatories and having been sending prior complaints that were not being replied to by the Furnisher or being questioned by TransUnion. Thus, I am requesting your assistance to help me block or delete the items being unknown and erroneous. Also, there should be signed documents or any kind of proof to certify that both parties mentioned have conducted a proper investigation. Below are the items I believed to be erroneous and unknown. 
DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$5800.00} U S DEPT OF EDXXXX XXXX XXXX : {$3200.00} Date Opened : XX/XX/XXXX U S DEPT OF EXXXX XXXX XXXX : {$3100.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$5900.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$1700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$3300.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$2500.00} Date Opened : XX/XX/XXXX U S DEPT OF EXXXX XXXX XXXX : {$350.00} Date Opened : XX/XX/XXXXXXXX U S DEPT OF EDXXXXXXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$3700.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$670.00} Date Opened : XX/XX/XXXXXX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX U S DEPT OF EDXXXX XXXX XXXX : $ XXXXDate Opened : XX/XX/XXXX XXXX XXXX  Date of InquiryXXXX XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2019-02-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I had been invited to open a XXXX credit card approx. mid to late 2015. I had just secured social security. and had no credit useage for many years prior. apparently my score brought in all the credit offers. the offer was 12months 1 st year at no interest. they started off wrong right out the gate. I hadn't set up any account for XXXX on my computer and was awaiting my first bill. they failed to mail to my residence my first bill. of course being a new customer I hadn't monitored time frame. I was also under personal crises and family matters. by the second month I did my inquiry. received my billing. they said they mailed but not my correct address. that could have been made by intrusions or failures on there part. nevertheless a late fee had been installed. im certain I had also set my due according to my finances. I believe it wasn't changed. then it seemingly was to there liking. idk where to point finger or why, but I did have a personal crises in Domestic financial abuses he may have been in involved idk. I kept paying late fees and seemingly never got my one year of no interest. despite my faithful payments. I was not being taken serious about my payment due dates. so as soon as I knew I had paid all I had charged on XXXX card I requested to close account one year later. I paid all I charged and late fees. in lieu of there non compliance and the financial abuses and possible fraudulent manner he may have had in tampering with my account or XXXX  unwillingness to honor my requests, this service as a hinderance. I am victim to both sides. I had paid all I charged and late fees. they had continued charging these late fees. I do not owe and im on limited income too. I would still be a customer if I was treated fairly.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-08-08
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION (GA)

After opening a checking account online my son and husband needed an account to deposit unemployment benefits into until they could set up their own account. When their benefits were deposited into my account in XX/XX/2020 Suntrust closed my account without notice and will not release the funds. I have turned in documents that they requested but now those arent sufficient enough for them because they need them notarized. We are in desperate need of the {$1800.00} Suntrust has been holding since XX/XX/2020. Ive left numerous voicemails for XXXX XXXX with no call back.
Consumer complaint received 2021-01-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC (FL)

I received a phone call from the medical company requesting my insurance information which they already had on file instead of processing the payment they placed it for collection with capio partners who is not eligible to collect debt in the state of FL XXXX XXXX is also in violation of my hippa rights by sending my person XXXX information to a debt collection agency
Consumer complaint received 2015-07-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I have already submitted a complaint against Green Tree ... they since put me on a repayment program, but now are demanding TWO PAYMENTS OR FORECLOSURE, even though I made the first repayment amount before this demand ... .please please stop these people ...
Consumer complaint received 2015-10-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I have a credit card debt that was settled since 2009. A judgement has been recorded. I have a satisfaction letter but Portfolio refuses to record the judgement satisfaction. I have told them that I was in the middle of selling my home and that I could not because of the lien recorded. They refuse to give me a timeline for when this can be resolved.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2021-09-01
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (NC)

On XX/XX/2021 I received a call that identified the organization as the XXXX XXXX ( XXXX ). I did not answer the call, and a voicemail was left saying they were in fact HRRG ( a debt collection agency ). The number they called from was XXXX. I am attaching screenshots of the caller ID and the VM transcript identification info for reference. This is misleading and harassment. This is also the second time this agency has contacted my number using a false identifier in the caller ID.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I HAVE TWO CLOSED ACCOUNTS TAHT ARE NOT MINE AND SHOLUD HAVE BEEN DELETED, EQUIFAX SENT ME DOCUMENTATION STATING THAT THEY DELETED THE INFORMATION, HOWEVER IT IS STILL SHOWING ON MY CREDIT REPORT. 
I NEED THE TWO ACCOUNTS DELETED FROM MY CREDIT REPORT/
Consumer complaint received 2016-11-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

This account was awarded to my ex-wife in our divorce decree ; she continued to charge and paid until : XX/XX/XXXX, she left a balance of : {$250.00} ; her high balance at one time was : {$4900.00} ; she stopped paying, she did not tell me and when I found out, the card was charged off and closed and now I have this account on my credit reports. My divorce was final in XX/XX/XXXX. The bills were sent to her address, and I can prove when I moved out XX/XX/XXXX and I did not live with her, after XX/XX/XXXX. As of XX/XX/XXXX ; The Statute of Limitation Law protects me as a consumer, the 4-year anniversary from the last payment, this account is no longer collectible, no one can seek legal action towards me. Please help me remove this account from my credit reports, even though it is a low balance, it is affecting my credit.
Consumer complaint received 2016-03-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Deutsche Bank (AL)

XXXX qualifies for temporary hardship forebearance as stated in XXXX XXXX XXXX ( XXXX ) policies that allows 24 months in three-month increments. XXXX has applied for three 3-months and approved immediately. XXXX applied back in XXXX XXXX, 2016 for the fourth due to a mix up in the application form. XXXX applied electronically this time as suggested by XXXX ; however, student did not receive notification of the receipt until XXXX XXXX, 2016. XXXX called and inquired, immediately, upon receipt because loan is due XXXX XXXX, 2016. XXXX called again this a.m. to inquire about the approval and was told that Deutsche Bank ( provider ) noted it was still in review. Deutsche Bank is using delay tactics in order to force payment from students that are clearly in hardship and, eventually, student loan default. In the past this process only took one day to complete.
Consumer complaint received 2018-12-04
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. (CA)

XXXX XXXX XXXX ACCOUNT NUMBER XXXX BALANCE {$1600.00} THIS ACCOUNT IS NOT MINE I MAILED A IDENTITY THEFT VICTOM COMPLIANT AND AFFIDAVIT, XXXX AND XXXX   ALREADY REMOVED FROM CREDIT REPORTS JUST EXPERIAN IS HOLDING ON TO THIS ACCOUNT, I WANT THIS ACCCOUNT DELETED OR REMOVED FROM CREDIT REPORT ASAP.
Consumer complaint received 2016-06-26
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: EQUIFAX, INC. (PA)

I put on a 90-day initial fraud alert on my credit from both XXXX and Equifax , but I received another hard credit hit from XXXX yesterday. I recently had accounts opened with XXXX XXXX and XXXX without my consent. I believe I am a victim of credit fraud, this is why I put the 90-day fraud alert on. However, I am still receiving credit inquiries.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Other — 
Company: Continental Finance Company, LLC (IL)

Out of the blue I started getting several call a day from XXXX. When I answer the phone nobody says anything at all. I used XXXX to find out who the number belongs to and it says Continental Card services. I 'm on the do n't not call registry but this place will not stop calling. I 'm really getting angry, this has to stop.
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Lustig, Glaser & Wilson, P.C. (CT)

We are trying to get short sale approval for a XXXX lien. The loan was with XXXX, then service released to XXXX XXXX XXXX XXXX XXXX XXXX, then on XXXX/XXXX/15 service released again, this time to Lustig, Glaser & Wilson. I 've put in XXXX calls to Lustig 's office, and have sent an Authorization to Release to Lustig 's office XXXX times. They say they have XXXX of new files, and so maybe it has n't loaded into their system yet. They say there 's nothing they can do to assist in finding the loan. We have XXXX lien approval and must get approval from this XXXX lien to close. Please help!