davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-29
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GENWORTH FINANCIAL INC. (TX)

I received notification that the company Genworth which is ( was ) my life insurance company and is named in this complaint was having problems paying out their claims upon claims and suggested that I go elsewhere for my insurance needs. Mind you I have had insurance with this company for the better part of 20 years without issue.

I attempted to call them to speak to them about the info that I received in addition to things I have found out in my research and on their own website. Turns out all social media was reflecting the same information and even on Genworth 's website stated, " due to the claims that have been paid out in the past years they were no longer offering life insurance and could no longer meet their obligations of paying claims. Clearly stating that " if you have life insurance with Genworth you are to go elsewhere for your life policy needs ''. 

At that moment I then decided to cancel my policy upon their instructions. It is NO FAULT of mine that they are unable to handle accounts and pay out claims. At which time since I am being forced to cancel and go elsewhere, I requested a full refund for all of my premiums since I started over 20 years ago. 

I then receive a letter from a senior resolution specialist, XXXX XXXX, which I have attached the letter, that stated since I canceled my policy they would NOT be able to refund my premiums. 

THEY ARE THE ONES GIVING INFO OUT FOR ALL CUSTOMERS TO GO ELSEWHERE AS THEY CAN NOT PAY CLAIMS. I had no intentions of going anywhere until they stated that they are having funding problems and are not able to pay out claims due to their inability to handle business in an ethical manner. So their take is, " due to our bad accounting practices we ask that you go elsewhere for your life insurance needs and oh, by the way, we are keeping the premium payments that you have paid faithfully for the last 20 plus years. REALLY???? Is this even legal? 

I will also be making a claim with the FTC, the XXXX  and the State, and local authorities. This is clearly unconstitutional. If you are no longer able to provide a service to a long time customer and request them to go elsewhere due to your " Genworth 's '' bad business and accounting practices then at least give the customers their premiums back that they paid in faithfully without fail. I pay on a policy for over 20 years and then told to go elsewhere and you get to make the call to keep my money??
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (NC)

I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the XX/XX/XXXX and XX/XX/XXXX and still nothing.
Consumer complaint received 2019-05-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

I am a former resident and I was advised to move out within 24 hours of receiving the move out notice. I moved as requested then received a bill later for charges. The first invoice was incorrect that was emailed to me on XX/XX/2019 with the move out reason so it took their IT department a week to fix that issue to make the move out reason correct. After that I received a correct invoice is email on XX/XX/2019 for the move out reason. Now when I received the correct invoice I did not know I would be sent to collections XXXX near the same time frame of receiving the updated invoice. Highly XXXX is an understatement!! My account is not even 30 or 60 days late because I just received the new invoice at the end of XXXX. The notice from the collection agency is dated XX/XX/2019 so Im confused because the account is not even a month late because of their issue with putting the incorrect information on the move out form that was emailed. Wow, Im very upset that I am being treated this way with this business. I also mailed a check to the apartment complex on XX/XX/2019 and the check was not cashed at all. I did make a copy of the check that I mailed and also contacted my back to make sure the check has not been cashed.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have been paying my credit cards on time for the past 2 months and have not received any points usually when i pay i received 10 points but now it seems as if they stop giving me points. I called and ask and they told me it has nothing to do with them and that its up to the computer generated system to update. I'm trying to buy a home so i need my points for all 3 scores. I had I missed a payment my score would of drop 20 points or more i recently made a payment on the 14th and 23 and still nothing.
Consumer complaint received 2019-05-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I was contacted by portfolio recovery company and they are trying to collect a debt. I had written them back to provide validation of this said debt. They then responded again with the same prefilled forms that they sent me the first time. They are asking me to validate by give them all sorts of information. No when a consumer writes in and asks for validation of a said debt, the company who is trying to collect is suppose to provide this information. This company is not providing anything. It is not my job to validated a debt that they are trying to collect on. Under law it is their job to validate, not verify, the said debt. The are reporting on all 3 of my credit bureau and have never validated the debt.
Consumer complaint received 2019-05-29
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. (DC)

I was shocked when I reviewed my credit report and found late payments on the dates below : ( XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Creditors Bureau Associates (GA)

I have no idea who CREDIT BUREAU ASSOCIATES, INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. CREDIT BUREAU ASSOCIATES, INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized CREDIT BUREAU ASSOCIATES , INC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ CREDIT BUREAU ASSOCIATES , INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to CREDIT BUREAU ASSOCIATES , INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Gramm Leach Bliley Act Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2019-05-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc. (GA)

I have no idea who MEDICAL DATA SYSTEMS, INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. MEDICAL DATA SYSTEMS, INC is indicating that an accounts with the account numbers XXXX, XXXX, XXXX were opened with their company in XX/XX/2018. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1.  Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized MEDICAL DATA SYSTEMS, INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ MEDICAL DATA SYSTEMS, INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to MEDICAL DATA SYSTEMS, INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).

6. Provide the Certified Assessment Certificate.

Gramm Leach Bliley Violation ( s ) : Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

Failure to provide an Opt Out Notice.

Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX  XXXX XXXX XX/XX/XXXX inquiries XXXX XX/XX/XXXX personal information Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : OTHER
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC. (TX)

Equifax states they have free service and then try to charge {$4.00} and create an account. I created an account and paid {$4.00}. Then I am not able to log in and have to call a number. Then I am told I have to pay {$19.00}. I called back and was hung up on. I keep talking to someone overseas and they will not assist unless I pay {$19.00}. The last time the lady disconnected when I told them it was fraudulent. 
Now they have all my information and I am not able to log into myequifax.
Consumer complaint received 2022-04-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (GA)

I deposited USD on XX/XX/22. The withdrawal cleared my bank account on XX/XX/22 - however - still shows as pending on Crypto.com platform as of today XX/XX/22. As such- I am unable to withdraw my funds from your exchange. 

Money is inaccessible and I am without explanation or means of recourse. 

At this point I consider this money stolen as I am being provided no timeframe for resolution or any assurance that I will be able to recoup.
Consumer complaint received 2019-05-29
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. (MO)

Transunion and XXXX both is in violation of mishandling my credit files by first reinserting an account inwhich was removed in XXXX of XXXX, only to reinsert it in XXXX of XXXX, this account is XXXX XXXX XXXX. It is a consumer law that states that the reporting agencies must give one 5 days notice of reinserting an account. I'm demanding that this account be blocked from my credit files immediately. Secondly, I have demanded a show of the Method of Verification used in the following accounts including the above account. 

Account 1, XXXX {$940.00} Account 2, XXXX XXXX XXXX {$1000.00} Account XXXX, XXXX XXXX XXXX Please provide me with every detail in investigating the above matter at hand. Who did investigated this matter, name and title. Also inwhom did they speak with, name and title. What time, what day, and what physical documentation did you and your companies received. What physical certified documentation did you and your companies provide me. If you can not provide me with this request then as a consumer with rights as stated with the FCRA, the above accounts shall be blocked immediately..My problem with your last investigation is that electronic Verification can not be a valid means for any vertification, there it can not be accepted as proof. Please block the above accounts immediately.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (WA)

My family is struggling due to the virus crisis/pandemic scare. I have been trying to work some sort of payment and closure of my XXXX  XXXX   Credit services account with CITIBANK whom is charging me XXXX & interest every month. I would like them to credit me the interest so I can afford to PAY OFF and CLOSE the XXXX  XXXX  account. I will never do business with them again. My XXXX XXXX account is XXXX XXXX XXXX XXXX CITIBANK fax is XXXX XXXX XXXX XXXX, XXXX  XXXX
Consumer complaint received 2019-08-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GVA Holdings, LLC (MI)

XXXX XXXX XXXX XXXX ) stole my file from XXXX XXXX XXXX   XXXX XXXX ( XXXX ) to try and collect a debt they do not have rights to. The have used scare tactics. Told me I have a court date in 2 weeks from now and said they have contacted my employer. They have called my in-laws-phone. They are trying to collect {$580.00}. Screamed at me on the phone. 

XXXX & XXXX have a law suite against XXXX in New York. 

I was very distraught and crying because I did not know at first which company was telling the truth. The people I to at XXXX are XXXX and XXXX
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EGL US, LLC (FL)

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
XXXX Facts : XXXX is aware and has proof in the attachment labeled as Exhibit B. 
XXXX Account # XXXX, BMG MONEY Account # XXXX, XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( 1 ) The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX, BMG MONEY Account # XXXX, XXXX Account XXXX XXXX is causing harm to my credit reputation and financial All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (TX)

Citi bank Credit card closed by the bank even though I have an existing balance and have never been late on a payments, then Citi bank send incorrect information to my Credit report saying that the account has been closed by credit grantor. It takes hours to get the right person who can't even tell you why this has happen.
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

FedLoan Servicing has not credited me payments towards the XXXX program. They just increased, for no good reason, the number of payments I need to make before I can submit my XXXX  application. My employment has not changed in the past year, but they dropped my qualifying payments. They are now saying that I need to make additional payments.
Consumer complaint received 2024-09-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP (CA)

When I opened my business checking account I told the banker to have my account set where if I didn't have the funds in my bank account to return the transaction because I didn't want to have any overdraft fees. Come to find out this was not set up on my account and I used the card and I was under the impression since it was a business account I would let the charges approve. Months later I seen the charges and requested that it be reversed. I was given a run around, went to the bank they told me I had to go to the branch I opened the account. I called in as well. When I did make it to the branch I was told it was too late I had to come in sooner. I explained my situation to the banker telling them I was out of town my mom had been XXXX  for months and I was taking car of her. I feel I was treated unfairly and they basically took my money and tried closing my account. Also my personal account was hacked a girl tried to deposit a check in my checking account I filed a police report and mailed it in to the branch manager and he hasn't returned my calls I did return the call once but hasn't responded since I sent in the information that was requested. I am very unhappy how I have been treated I filed several charges I wanted reversed that weren't mine. The credited my account then reversed the charges I don't feel like they have the customers best interest for my personal or business account.
Consumer complaint received 2020-05-28
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: EQUIFAX, INC. (TX)

Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. Equifax is also reporting this same account as a duplicate but with a differing account number. Please reference partial account number XXXX. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates and reporting a duplicate account is error is seriously harming my credit score and these line item needs to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-05-29
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have on my credit report a inquiry from Capital one bank USA na date XX/XX/18 that I don't have no ideal of and didn't give them consent to pull my credit
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I have a bank of america account.. they continuously keep taking out maintenance fees out of my checking and savings account. I talked to them before they have gave me the requirements to have in order for them to not take out the maintenance fees.. I have met all the requirements they continue to take out money out of both my accounts. I am tired of it I have been a customer for over 10 years with BOA