davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-13
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (OH)

My auto pay is Not being credited, showing late? Then get fees? Only get automated phone an never able to speak with a REAL Person, just closed account. I suspect Citi Bank scamming customers like me through my Best But card without showing payments made an charging made up an Trumped up charges through bogus Fees like late payment an Interest? I'm on Autopay, Really?! Given them {$400.00} dollars in last month an I'm still in arrears?! This has got FRAUD SCAM written all over IT!
Consumer complaint received 2022-09-20
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. (NY)

Congress states : Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Under the FCRA, a states actual damages for violations of the FCRA if they were committed willfully and knowingly and if they happened because of negligence. Consumers can receive damages if there is a violation of the FCRA, whether the violation was intentional or not. The damages that a consumer may receive are not subject to any limit ; however, damages are generally between {$100.00} and {$1000.00} without any proof that the consumer suffered harm from the violation. These derogatory reports have negatively impacted my way of living and mental health. Account in question is US Dept Of EdXXXX XXXX # XXXX. The account is illegally publishing derogatory and inaccurate information on my consumer report.
Consumer complaint received 2021-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Hello this is the final time im going to contact you guys to investigate this matter for me. ITS BEEN ALMOST A YEAR and these credit bureaus are NOT DOING THEIR JOB. Attached I am showing you a screenshot of my credit report showing all the violations these companies are violating. THEY ARE IN VIOLATION OF MAJORITY OF FCRA LAWS. They have also been reporting inaccurate information along with never sending me ANY documents to confirm this alleged debt THAT IS NOT MINE. 

They are in violation of FCRA the reporting of this account violates USC 15 1681 2C. IM SICK OF THIS REPORTING I AM LOOKING TO BUY A HOUSE AND MY MORTGAGE COMPANY TOLD ME TO CONTACT THESE PEOPLE TO EXPLAIN WHERE THIS CAME FROM AND NO ONE HAS GOTTEN BACK TO ME IM ANNOYED AT THIS POINT. DELETE THIS ACCOUNT ITS NOT MINE AND DOES NOT BELONG TO ME REMOVE IT. 

XXXX XXXX ACCOUNT NUMBER XXXX DELETE THIS
Consumer complaint received 2021-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (ID)

On XX/XX/XXXX I fell victim to an online scam. I did not know that it was free to apply for an EIN number with the IRS so I filed it on a website that appeared to be the IRS and was charged a {$240.00} filing fee. After the fact, I learned that its free to file on the IRS website so I contacted them on XX/XX/XXXX and asked for a refund. I was offered {$200.00} of my money back and I said no I want a full refund, she said she would talk to her manager. After talking to her, she then sent me an email saying she would forward my refund request over to the manager. We got an email and a text message later that night stating that I was refunded the full {$240.00}. I have the email from the business stating that I was refunded for my order. Four days after receiving the refund on XX/XX/XXXX we get an email to our business email address from Caine and Weiner collections agency in Texas. The business who frauded me out the {$240.00} ( XXXX XXXX XXXX XXXX ) is now coming after us for the money they refunded plus fees to the tune of {$370.00}. This original business never once contacted us to get the money back that was settled, they went straight to a collections agency for a debt not even owed. I have a screenshot of my bank statement as the charge was pending on my account. They ended up canceling the charge while pending so it dropped off my bank charges, but I have the screenshot with proof that it was originally paid and the proof via email from them that it was willingly refunded. The collections agency is now coming after us over a debt that doesnt even exist. I am stopping all contacts after sending them an email demanding a physical copy of the debt that is owed and proof that they are a legitimate collections agency. Once I get that letter I will send back all of my proof that this is a debt not owed.
Consumer complaint received 2022-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I recently ordered my consumer credit file from XXXX, XXXX and Equifax and notice these late payments with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I am requesting all late payments be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.
Consumer complaint received 2020-10-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch (FL)

The disputed amounts do not pertain to any credit extended, but relate entirely to introductory ( deferred ) interest program. XXXX XXXX  ( XXXX XXXX ) failed to credit my account prior to the expiration of the deferred introductory interest. We received documented credits for multiple deliveries of damaged merchandise. XXXX XXXX ( XXXX XXXX ) did not apply the agreed upon credits to the account when the merchandise was disputed and agreed upon to issue credits ( on recorded lines ) in a timely manner. XXXX XXXX  ( XXXX XXXX ) were negligent and fraudulent in this manner by attempting to seek payment on deferred interest for merchandise that was damaged and previously agreed credits were not timely applied to the account. Had such credits been applied to the account as stated and agreed by XXXX XXXX  ( XXXX XXXX ) the account balance would have been {$0.00} prior to the expiration of the deferred interest program. 

Furthering the fraudulent and negligent business collection practices, XXXX XXXX  ( XXXX XXXX ) locked me out of any online access to account payment and history options, as well as continuing to deny all requests for account history/statements. Crown Asset Management failed to send a validation letter after I requested one vie telephone. Crown Asset Management failed to properly serve me with paperwork regarding the lawsuit.
Consumer complaint received 2021-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My Transunion has multiple inquiries I did not authorize. XXXX bank offered me an increase on my credit card but did not inform me of a hard inquiry on XX/XX/XXXX. I did not authorize that. I also did not authorize the following inquiries from XX/XX/XXXX : XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX? ). 

XXXX XXXX  is the bank I had financed my vehicle through and I did not authorize any other inquiries. Please remove expeditiously
Consumer complaint received 2020-10-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: FIRST PORTFOLIO SERVICING INC (NC)

Peaks loan company was giving out fraudulent loans for XXXX XXXX. 
Now all loans are being forgiven because of the fraudulent practices of Peaks loan scam. 
Huge amount of people defaulted on these loans, I was paying them off over XXXX . 
I asked for a refund because fraudulent school loans are suppose to be paid back. 

They refused to send my refund and sent me a link to contact you. 
How do I get the over XXXX $ they stole from me back?
Consumer complaint received 2022-09-20
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. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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 2020-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (NY)

My mortgage company XXXX XXXX XXXX XXXX. has not paid my county taxes. I have placed 7 phone calls to them to address the issue. 
I have placed 7 phone calls to Community loan servicing to address the issue on non payment on my county taxes. They at first argued with me by not acknowledging that it was county taxes and they kept referring to town taxes. I explained I have school taxes and city taxes that have been paid but not the county tax. I have faxed the tax lien to them at their request on XX/XX/XXXX. They promised to expedite the payment and that they would call to confirm. No payment and no call. On XXXX I again called and again explained the problem and was told they would send it to the tax department to " look into '' and that it would take about 2 weeks to address. I again called on XXXX and spoke to XXXX XXXX XXXX who asked me to email him the tax bill. He replied in writing that he had received it and that he would expedite it .He also stated that he would call or email me that confirmation it would be paid by XXXX. By XX/XX/XXXX I had still not heard back so I called again and spoke to " XXXX '' who stated that she would make it a priority to get this paid and that she would confirm by then end of the day. No payment made and no call made to explain the situation. My mortgage is paid on time every month and i have never missed a payment. there is no reason for them to not make this tax payment as there is enough in escrow to cover it. My taxes are being threatened to be sent to a tax lien at this point and I am just getting the same structured general response every time I call where they promise to take care of this within 2 weeks. Its now been 3 months and no action and each time I call I have to have the same conversation.
Consumer complaint received 2020-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

I keep getting collection notices in the mail from a company called CONVERGENT who claims they are authorized on behalf of XXXX to collect a debt owed to them. I never had a XXXX account, and I just called them to confirm that no one else has created a bogus account with my info- They said I would have have received collection notices first from XXXX themselves, and they also said they have never even heard of this company, CONVERGENT. I am weary about calling CONVERGENT myself to dispute their false claim, b/c I suspect they are a fraudulent company, so I'm not going to call them and give them any more of my personal info. I have tried to report them to the XXXX, but b/c they are a non-accredited business, the XXXX  can not take any further action besides lodging my complaint. I've read other bad things about this company, CONVERGENT, sending out bogus collection notices, and some people even claim they affected their credit history negatively. So I'm reaching out now to the CFPB to make you aware that this company is fraudulently reporting false debt owed by me to XXXX when none exists. 

Thanks, XXXX XXXX
Consumer complaint received 2020-10-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: THRIVE MORTGAGE, LLC (TX)

We applied for a Land and construction loan through thrive mortgage XXXX loan amount. XXXX acres of land and XXXXsf new build. We were suggested to use an FHA loan. the process dragged on for 4 months. 4 days before closing, they told us they would not do the loan and gave several reasons. Each legitimate reason they gave was known on day 1 of the process. Because of the 4 month delay, Thrive mortgage caused us to loose our land deal. The sellers backed out and would not extend the land contract any longer. The sellers had already extended the contract 4 times. 

After the explanation from thrive on why they denied the loan, it was clear that they knew all of the reasons on day one and wasted four months when they could have told us that it would not work on the first day. Back up Emails and correspondence are available
Consumer complaint received 2023-03-18
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. (GA)

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. 

Account name : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2020-10-05
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. (NC)

XX/XX/XXXX I have been in deferment with Department of Education they have two accounts with balancing showing {$4400.00} and {$1200.00} showing past due when I had deferments on them both. One of my credit report show that I was only late one time with XXXX for the {$4400.00} and the second on for {$1200.00}. XXXX and Experian has me showing 6 late payments with this company. I have been in deferment and spoke to them about the hardship due to the pandemic and they stated that I wouldn't be affected on my credit.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

XXXX XXXX XXXX XXXX is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.
Consumer complaint received 2022-09-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (PA)

I was trying to sell a bike. I was selling it for {$100.00}. A person messaged me on XX/XX/22 and said they were interested in it. We communicated for a while and she said she could pay me using Zelle. I've used Zelle before and never had an issue. The person told me that the money wouldn't go through because I needed to upgrade my account. It was {$250.00} to upgrade my account. I didn't want to do that. The person told me they had already paid the {$250.00} for me and I needed to pay them back. Then, it will get refunded to my account. I was receiving emails are well. In total, I paid {$1000.00} to this person.
Consumer complaint received 2020-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

XXXX XXXX XXXX XXXX is reporting mortgage late payments as of XX/XX/XXXX. This mortgage account was paid off and closed on XX/XX/XXXX. I have reached out the them 4 time and they are not doing anything. I pulled my credit in XX/XX/XXXX and they just reported a current late on XX/XX/XXXX. This is causing me thousands of dollars and I just lost a potential home purchase because of this. Im tired of XXXX XXXX XXXX XXXX telling it my problem.
Consumer complaint received 2023-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My loan keeps getting moved around as the mortgage companies keep getting bought out. First my loan was through XXXX then to XXXX then to XXXX XXXX and now XXXX. Every single time my loan gets moved around, the month that their transition happens the new lender marks my mortgage as 30 days late. I have NEVER been late on my mortgage, it gets automatically taken out of my bank account every single month. Every time this happens I call the lender and they tell me there is nothing they can do and I have to dispute it on my end. This is negatively affecting my credit score for no reason and it's not fair that I suffer the consequences. I have no say in my loan being moved over when the mortgage company gets bought out and I have never done anything wrong. None of these companies have ever been willing to fix this and they have no explanations for why it keeps happening. To me this is illegal, I am paying every month exactly like I should and I get punished because they sell their company to another. I have been able to get a couple of them fixed but I have a new one from XXXX and I absolutely have proof that I paid it and they won't reverse the late payment mark. I also have one from XXXX last year that has not been reversed that I have fought.
Consumer complaint received 2022-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

I recently made a military move from XXXX to XXXX. I opened a Best Buy credit card to help make purchases for the move in XXXX. When I was applying for the credit card, the Best Buy sales associate pulled the information from an old Best Buy account account that was on file. I told him the address was not up to date. He said to just leave it as is and to update the address later so I did not update the address. After opening the account, I called Best Buy to change the address on file for me and they restricted my account because my phone number was not eligible to receive text messages that verify my identity ( my cell phone is under my husbands name because we have a family plan ). The only solution Best Buy/Citi bank can offer to unrestrict my account and update my address so that I can receive my credit card is to mail a letter to my old address in XXXX  to verify me. I have told them several times I can not receive that letter because I live in XXXX. The associate I was working with went on and asked me to get a hold of the person who lives there and have them open my mail and read me the code so I can verify myself to Best Buy. This was the best solution they could come up with. Now they are saying there is nothing else they can do and I am unable to receive or use my credit card because of fraud concerns. When I open the credit card I spent {$2400.00} on the card and later payed the balance in full no more than two weeks later. The payment and account opening both happened in XXXX. How does that sound like fraud?
Consumer complaint received 2022-09-17
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. (CA)

In accordance with the Fair Credit Reporting Act ; 15 U.S.C 1681 section 602A. states I have the right to privacy.

15 U.S.C 1681 section 604A, Section 2 also states a consumer reporting agency can not furnish an account without my written consent The agencies listed below has violated my rights : XXXXXXXX XXXX Acct No : XXXX XXXX {$4400.00} XXXX XXXX XXXX  Acct No : XXXX XXXX {$0.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$6200.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$1300.00} XXXX XXXX XXXXXXXX Acct No : XXXX XXXX {$3800.00} XXXX XXXX XXXXXXXX Acct No : XXXX XXXX {$790.00} XXXX XXXX XXXX Acct No : XXXX XXXX {$2400.00}
Consumer complaint received 2022-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

XXXX, Experian and XXXX have all failed to update my XXXX XXXX XXXX XXXXXXXX XXXX credit card account monthly as required by law under the Fair Credit Reporting Act. This gross negligence on behalf the three major credit bureaus has adversely impacted my credit score and my financial health.