davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Conn's, Inc. (LA)

I bought a new vacuum cleaner from a company out of XXXX, Texas. Their name is XXXX XXXX XXXX XXXX. Their clientele are people with bad credit. When you finance something with them, there are all the hidden fees, insurance fees, {$50.00} for this {$20.00} for that and an interest rate of 45.51 %. 
When you are down on your credit score, the
y help you to stay down. Three credit checks in 1 week, my Credit score dropped 10 points. 
Oh, this company does not put any of your account information on-line you have to go their website and " request '' a " Loan Ledger '' in order to get financial information out of them. 
The price of the vacuum cleaner was XXXX with all their hidden fees, finance charge, payments for 2 years, the total cost of the vacua cleaner will be {$1200.00}. DOUBLE the cost of the vacuum cleaner. 
So my monthly payments are {$51.00} for 24 months. 
My first payment was for {$300.00} and I ask for a " Loan Ledger "  and received it. 
My second was a payment of {$500.00} with XXXX XXXX debited my account on XXXX XX/XX/XXXX, and Conn 's accepted payment on XXXX XX/XX/XXXX. As of today XXXX XXXX they have not credited my account. It probably didn't help that I was going to get a lawyer and sue them. 
I use XXXX XXXX/XXXX  bill pay. Never had a problem with any of my payments until now. I assume that they are holding my {$500.00} deposit so that they can say that I did not make a payment and charge me a late fee. I am trying to pay them in full, but they are not cooperating. 
The solution is I need and up-to-date balance AND for them to credit my {$500.00} payment. 
I XXXX  military, 35 years, I have XXXX and they are treating me like a second class citizen. And yes the law suite is coming.
Consumer complaint received 2020-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report. 

XXXX/XXXX  XXXX {$140.00} XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$780.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Consumer complaint received 2021-06-02
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)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2021-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC (FL)

On XX/XX/2021 at XXXX I called Movement Mortgage regarding my home loan requesting information for loan repayment assistance as I have recently lost my job by no fault of my own. I was told by Movement Mortgage loss mitigation team that I would receive a package in 7 days and also have access to it on their loansolutioncenter.com website. I never received the package via mail and the website was never updated. I contacted Movement Mortgage again on XX/XX/2021 at XXXX inquiring again about the loan assistance package. I requested an email copy which I was told could be done. Again I was told they would request another one mailed to me and it will be available on the website within 5 days. No email ever arrived but did receive my XX/XX/2021 statement. Made another request on XX/XX/2021 at XXXX and this time someone from the loss mitigation department told me they are no longer able to upload the documents to the loansolutions website and can only be sent via mail. I asked for someone to call me back for other means of receiving this info. I was told by the Movement Mortgage rep that he could not confirm when that call back would be. On XX/XX/2021 called asking about the documents and requested a call back from the loss mitigation team which I never received back as I was told by the customer service department that they are the only ones who can assist in this matter. Made another call on XX/XX/2021 at XXXX requesting to speak with a manager or someone who could figure this out. Only got same runaround that no one from the loss mitigation department was available and they couldn't figure out why I haven't received the package. Spoke with 4 different people who said that I should have the documents on their website to review which I had to tell them it has never been updated. It took 45 minutes to get a manager on the phone who was incapable to contacting or unwilling to contact the loss mitigation for the paper work I needed to request loan assistance. 

I have also called the agent who sold me the loan multiple times for any help with this, XX/XX/2021 at XXXX XX/XX/2021 at XXXX XX/XX/2021 at XXXX XXXX XXXX at XXXX Never recieved a call back from this person.
Consumer complaint received 2020-05-12
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. (CA)

I have submitted multiple disputes with Experian credit reporting because I had a debt from XXXX XXXX XXXX that i have paid off in full and have supporting documentation proving from the debt agency that the debt was paid in full as of XX/XX/20. They have failed to remove and no one is getting back to me. I am one person doing right paying off my debt but experian is failing to do their part and report correctly as debts get paid. 
The dispute department fails to respond and report accurately this is a problem especially when people like me pay debt off and it takes for ever for our scores to go up because people fail to do their job correctly. I need this taken care of asap.
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc. (TX)

I have an account with Sezzle that is reporting as delinquent and over the limit on the balance however that is incorrect. I paid this account in full on XX/XX/2022. I made a new purchase on XX/XX/2022 for {$170.00}. My limit is {$400.00}. I currently have XXXX payment left of {$40.00}. None of the payments for this purchase have been late however my XXXX credit report is showing delinquent and that I owe {$420.00}. It also shows that Ive made no payments which is incorrect. I have disputed this with the company through the credit agency however it was updated with the same incorrect information. Ive attempted to talk to a representative as well with no luck.
Consumer complaint received 2020-12-11
Product: Debt collection — Private student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc (IL)

On XX/XX/XXXX, my father recieved a call from Williams and Fudge regarding my student loan debt of just over {$9000.00}. I left school in XXXX and had a payment plan set up, though Covid 19 had put that on hold. 
My father was threatened that if I do not pay my loan debt, they will begin garnishing his paychecks instead. 
This call and threat are illegal under the Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692p, mainly parts 805 section B and 807 section 4.
Consumer complaint received 2022-05-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (NJ)

After almost a year after closing on our refinancing, Rocket Mortgage/Quicken Loans is asking for updated financial info based upon their Compliance Agreement which says from " time to time '' they can ask for updated info, which, we believed this to mean during the time in between applying and closing. Not almost a year after closing. We did turn in our leased car and bought a car during that time, but the amount was the same and it was two months prior to closing.and was verbally passed onto Rocket Mortgage. 

Do they have the right to peer into our finances at this late date, a year after our closing?
Consumer complaint received 2022-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA (TX)

On XX/XX/22 I paid for my brothers birthday dinner in the amount of {$480.00} using my Apple Card via XXXX XXXX. Per my Apple Card wallet app, the aforementioned purchase entitled me to 2 % in XXXX XXXX back totaling {$9.00}. 

Typically Daily Cash back is dispensed the following business day to your XXXX XXXX account. 

It should be noted that Apple Card is operated by Goldman Sachs whereas XXXX XXXX is facilitated XXXX. Additionally, there is no shared oversight between the entities and they have no access to each others in-house systems. 

When a few days past without the {$9.00} hitting my XXXX XXXX I submitted a dispute to Apple Card. During their review they claimed their was no error. So I called XXXX XXXX and an XXXX associate screen mirrored my phone and confirmed I did not receive the promised {$9.00}. The XXXX XXXX associate then called a Goldman Sachs Apple Card representative who then resubmitted my Daily Cash review, and a few days later I got another email saying their investigation yielded no error. I then reached out to Apple Card again and escalated my issue, and now have spent countless hours via text and phone trying to obtain my 2 % cash back for this particular transaction. 

Typically Daily Cash back rewards are nominal in value because based on the transaction rewards vary from XXXX %. I only happened to catch this error bc I was expecting a larger sum based on the purchase. 

My concern is, Im currently aware of 2 transactions in which Goldman Sachs has yet to payout their promised cardholder rewards but how many other customers have fell victim to their deliberate false accounting.
Consumer complaint received 2022-04-04
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: The CMI Group, Inc. (AL)

I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Consumer complaint received 2023-06-24
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$6900.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$6800.00}
Consumer complaint received 2019-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

I checked my credit report the other day because i'm trying to get me a XXXX XXXX and I notice a couple of items on my credit report that are not mine. I need these items deleted from my credrt report because they are not mine. XXXX, XXXX XXXX, XXXX XXXX. I reached out to the FTC and my local police. Im doing this on my own behalf. There are also inquires on my report that are not mine as well. XXXX, XXXX XXXX  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2022-05-03
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. (PA)

In regards to XXXX XXXX account number XXXX I have filed complaints with XXXX, XXXX and Equifax. About the account. On XX/XX/2022 all 3 places came back telling me the information will remain on my credit report and will not be change citing that they are all reporting it accurately. This however is in fact a lie and is being falsely reported on my Credit profile. I have attached here to a copy of the final payment along with details of when XXXX cashed the payment. The date is listed as XX/XX/2022, a month before they sent back findings that they are reporting correctly and there is a balance owed. All 3 of the mentioned clearly did not do an actual investigation or provide accurate findings. They simply reply ex that it was correct just to close out the complaint so they didnt need to be bother with it
Consumer complaint received 2020-05-12
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: Convergent Resources, Inc. (NJ)

I have a debt that is showing on XXXX  and XXXX  and it has been mailed to my forwarding address. I have never done business with CONVERGENT OUTSOURCING INC, I contacted them they stated I needed to file a police report and make a complaint. I wanted to make my complaint to you because I only recieved mailed at that address for 1 month I had recently become a guest to America. I have proof and will be filing the police report with the 3 bureaus. 
XXXX XXXX XXXX XXXX. New jersey needs to be removed was a address issued to send paperwork never ordered Bill 's there CONVERGENT OUTSOURCING INC never done business with them either XXXX XXXX XXXX I cancelled my policy with the insurance and they still charge me when I left the company I didn't even use their services a month XXXX XXXX not my numbers inaccurate
Consumer complaint received 2020-05-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Car Credit Finance, LLC (VA)

I make payments than they go up on my payments. And when you make payments it go down not up and they change things on my contract of payment its 45 not 46 in they keep on change the finance company XXXX. 
Car credit finance office XXXX XXXX XXXX fax XXXX XXXX XXXX XXXX  XXXX XXXX fax XXXX and they get smart with you on the phone all the time the mgt. And she fraud my name on the car to sale with out my permission and still make payments. And the car is toll loss from a accident last year XX/XX/2019 .recall salvage and lien on the car and a illegal register with somebody else name on it not mine and the same car vin number of the same car. But the dealership is saying they neither had nobody by that name come in for a car.
Consumer complaint received 2022-06-09
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. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need this accounts deleted or updated. This is the item I demanding to be deleted immediately : This is not mine. I am a victim of identity theft. Also Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2020-05-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

The first letter XX/XX/XXXX i disputed letter to buckeye credit solutions XX/XX/XXXX two days after they eft {$180.00} from XXXX  acct. Prior to 30 days just wanted to state this company Checks mart & Buckeye credit solutions clearly violated FDCPA laws pertaining to disputes and the 30 day window was not honored there is no valid response? 
# XXXX XXXX XXXX Mon, XX/XX/XXXX XXXX XXXX   XXXX  understands and acknowledges your concerns. The Ohio Attorney General sent your complaint to XXXX  of XXXX Ohio because Community Choice Financial is an accredited business with XXXX  of XXXX Ohio. 

If you would prefer that a government agency handle your complaint, as the issue appears to involve alleged violation of Fair Debt Collection Practices Act, you can ask XXXX  to refer the complaint back to the Ohio Attorney General 's office. 

Or you can continue with XXXX  processing, in which XXXX   provides the accredited business the opportunity to addess the complaint issues. 

In either instance, you may also wish to contact the Federal Trade Commission ( FTC ) as they are the governing body with jurisdiction and enforcement of complying with regulations in place regarding the Fair Debt Collection Practices Act ) FDCPA ) XXXX  appreciates your time and understanding. 

Regards, XXXX XXXX XXXX  of XXXX Ohio XXXX XXXX Mon, XX/XX/XXXX XXXXXXXX XXXX That is why I started with XXXX XXXX atty general XXXX XXXX As soon as XXXX   has received the business response, we will forward it to you for your review. 

Please understand that XXXX  is not a government agency nor do we have enforcement powers over regulations of Fair Debt Collections Practices Act ( FDCPA ) ttps : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text If you have concners regarding compliance with FDCPA, you may want to contact the Federal Trade Commission . Below is their contact information : https : //www.ftccomplaintassistant.gov/ https : //www.consumer.ftc.gov/articles/debt-collection-faqs XXXX, XXXX XXXX XXXX of XXXX Ohio
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

ADDRESS INFORMATION INCORRECT My current address is XXXX XXXX XXXX XXXX . XXXX, XXXX, OH XXXX THE FOLLOWING ADDRESSES ARE NOT ACCURATE. I HAVE NO CONNECTION TO ANY OF THESE ADDRESSES. PLEASE REMOVE THEM XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2020-05-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Certegy Holdings, LLC (UT)

In XX/XX/2020 I began receiving calls from a " collection company '' that would not identify itself regarding a " past due '' amount owed to XXXX for my business domain name. I called XXXX to inquire and they confirmed all of my accounts were current and that they do not use collection agencies. 

In XXXX I continued receiving phone calls from this collector, and today received an invoice from them : Certegy Payment Solutions , LLC, XXXX XXXX XXXX, XXXX, FL XXXX I know this is a scam but still have concern they can report this false information to credit bureaus. I don't want that headache! 

I'm not sure what you can do, there must be hundreds of scammers like this one, but wanted to report it anyway. 

Thank you, XXXX XXXX
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX AND TRANSUNION ARE REPORTING ERRONEOUS BANCRUPTCIES ON CREDIT REPORT. AFTER CONTACTING XXXX XXXX, IT WAS DISCOVERED THAT THESE BKS DID NOT BELONG TO XXXX XXXX. THESE WERE FROM EX-SPOUSE WHO OWNED A BUSINESS IN HIS NAME AS A SOLE PROP, XXXX XXXX DID NOT FILE FOR BK XXXX OR BK XXXX AND NEVER OWNED A BUSINESS. 
AFTER DISPUTING THESE PUBLIC RECORDS WITH XXXX   AND TRANSUNION WITH PROOF OF THEIR WRONG REPORTING, XXXX  RESPONDED WITH STATEMENT THEY HAVE CONTACTED THE COMPANY REPORTING THESE ( US BANKRUPTCY COURT XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) SEE ATTACHED- WHO CERTIFIED TO THEM- XXXX THAT INFORMATION WAS CORRECT ... AFTER CONTACTING THE US BKPT COURT, IT WAS STATED IN WRITING THAT THEY DO NOT REPORT OR VALIDATE THIS INFORMATION TO XXXX. THUS, VALIDATION STATEMENTS MADE BY XXXX IN WRITING ARE FALSE AND ARE IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS ON MULTIPLE COUNTS. 
TRANSUNION IS STILL REPORTING THESE ON THE REPORT AND STATED THAT FURNISHER HAS NOT RESPONDED TO THE DISPUTE WHICH WAS MADE BACK ON XX/XX/XXXX, HAS PASSED STATUTORY AMOUNT OF TIME REQUIRED FOR THE CREDITOR TO RESPOND TO THE DISPUTE THUS, ALSO IN VIOLATION OF F.C.R.A. RULES AND REGULATIONS. 
PLEASE HELP TO KEEP CREDIT REPORTING AGENCIES IN COMPLIANCE AND STOP THEM FROM INTENTIONALLY DAMAGING CONSUMERS ' CREDIT REPORTS AND RATINGS US BKPT CT CA XXXX XXXX Identification number XXXX US BKPT CT CA XXXX XXXX Identification number XXXX
Consumer complaint received 2020-05-12
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (TX)

I was with XXXX XXXX XXXX and decided to switch to a different company. I emailed XXXX letting them know that I switched insurances and submitted my new policy to the. XXXX cancelled my insurance in 2019 and said I had a balance. I them emailed them again asking that they send me a new invoice minus the days I switched to a new company. They never did. Fast forward a year I now have negative report from XXXX on my credit report and not once did they update or send a new invoice.