davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (TX)

I spoke to XXXX at XXXX XXXX XXXX  XX/XX/22 and they said my balance was XXXX and I was set up to make XXXX installments.i paid XXXX XX/XX/22 then paid XXXX XX/XX/22. Received a letter from XXXX XXXX XXXX  XX/XX/22 saying account has been resolved for less then the balance. Spoke to credence and disputed by email XX/XX/22 with a letter from XXXX XXXX XXXX that they sent
Consumer complaint received 2023-02-01
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.
Consumer complaint received 2021-05-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (OR)

For 4 of the last 6 months, beginning in XXXX of 2020, Equifax inexplicably drops my consumer credit score by over XXXX points. One day they enacted a XXXX point drop. This occurs without cause. My balances don't change much, businesses reporting don't change, there are no new reports. I haven't had a bunch if inquiries. My CC balances haven't changed much, up or down maybe {$50.00}. Yet for weeks at a time I have this huge dip. XXXX and XXXX don't do it either. In my state almost everone uses Equifax and they just keep this up. There is no way to get a hold of them with any result on this because it's internal to them and not a dispute of reported information. Online or by phone, no one can explain a cause. Requesting an escalation is simply not within their structure. They are absolutely unwilling to accept responsibility to explain or correct the issue and have no publicly accessible source to resolve the issue.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

on this day XX/XX/XXXX at XXXX XXXX time i tried to place a freeze on my transunion account. it said it wasnt available at this time. this should be made available to me anytime
Consumer complaint received 2021-08-27
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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (OR)

My credit was pulled without my authorization and consent. 

I was contacted by Cardinal Financial about a Home Equity Line of Credit that I was searching for online. I spoke with a representative and at no point in the conversation did I give permission for my credit to be pulled. I did not even provide my SSN. 

My credit report shows that on XX/XX/2021, a hard enquiry was done by Cardinal Financial on my file. I am requesting that hard enquiry be removed because it was done without my consent.
Consumer complaint received 2022-10-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc. (NC)

This what I sent to Carter-Young , Inc . 

Account Number : XXXX " If you can't provide proof of ALL : 1 ) The Original Contract with my wet signature applied to it 2 ) The Creditor Information ( Name, address, and phone number ) 3 ) The Payment History and the itemized billing associated with the account 4 ) Proof that you Carter- Young Inc. are authorized to collect the debt from me.

Then the debt is not valid.

In the attachment Carter-Young Inc. sent to me I did not see any document with my Wet signature applied to it linking me to this alleged debt. I do not see an attached document with my Wet Signature applied to it between Carter-Young Inc. and I, explaining that Carter-Young Inc may collect on an alleged debt. I do not see an attached itemized billing associated with the account. I am now reporting you to the CFPB because I have tried to have you guys show proof of how you ( Carter-Young Inc. ) validated this alleged debt and you have yet to respond. ''
Consumer complaint received 2021-05-04
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NC)

This account should have never been written off. It was pending payoff from insurance when I was XXXX and I was told I could stop paying. When it was charged off they told us they would reverse the fees upon pay off. In XXXX they received their payoff and never reversed the charge offs or fees. I opened up an investigation two times and no one called me with results like they promised and never took off fees as promised and never reversed charge offs as promised. Please note entire balance of card at time of XXXX when they told me I can stop paying was paid in full. The only balance remaining is the fees they told me not to worry about
Consumer complaint received 2021-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/XXXX I purchased a round-trip ticket on XXXX XXXX ( XXXX ) for vacation to XXXX, XXXX using a combination of approximately 53,000 rewards miles and {$380.00} cash from my Capital One Venture Card. I booked this flight via Capital One Travel. 

Unfortunately, due to the Covid-19 Pandemic I was not able to fly to XXXX due to travel restrictions placed on U.S. Citizens entering that country last XXXX when I was scheduled to fly there. In response, XXXX issued me a travel credit via Capital One Travel to be used to rebook a new flight by XX/XX/XXXX to fly to XXXX. However, by XX/XX/XXXX, there were still travel restrictions in place blocking U.S. Citizens from entering XXXX and I was unable to use my travel credit to rebook a flight. 

For the last 9 months I have asked Capital One Travel to request a refund for my ticket ( and then the travel voucher issued to me ). After dozens of hours on hold and speaking with dozens of Capital One service representatives, I have still not resolved this issue. Every Capital one representative I speak with gives me different information, some suggesting my travel voucher would be refunded ; others stating they are not sure. 

In the meantime, I was able to get a refund from XXXX for 3 other travel vouchers I got from XXXX for the same trip for my wife and XXXX kids. These vouchers came directly from XXXX, since I booked these flights directly with XXXX. However, when I contact XXXX to get a refund for my flight I booked via Cap One Travel, XXXX XXXX says that I have to request a refund via Cap One Travel. I have done so multiple times, sharing the documentation I received from XXXX for the other travel voucher refunds but have still yet to receive a refund from Cap One Travel on the voucher issued to them for my flight. 

The other challenge is that when I call the Capital One Travel customer care phone number, some Capital One representatives do not have access to the full information and context of my case and can not advise me on how to proceed. Often they put me on hold to transfer me to a supervisor with a higher level of access to review " the codes '' issued for my refund request. However, I often end up stuck on hold for extremely long wait times, sometimes exceeding 90 minutes. My only recourse thus far is to redial the Capital One Travel customer service number ( XXXX ) and start over. However, I only end up lost in the Cap One Travel System of phone holds and transfers. 

I am filing this complaint because I want a refund from Capital One for a service I paid for but never received. Capital One Travel is also not acting as an advocate for me in dealing with XXXX XXXX and I can not get basic information from Capital One such as my ticket number and/or voucher number to deal with XXXX XXXX directly.
Consumer complaint received 2023-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is in reference to complaint XXXX. I stated that I do not recall opening an account with this creditor and sent you proof that I was a victim of identity theft from the XXXX breach and yet this account is still reporting. You have replied that the account was updated when I requested for it to be removed. I have asked for a contract bearing my signature along with a copy of my id and ssc, but nothing has been sent so how are you verifying this account as accurate. I was involved in XXXX data breach in 2017 and I do believe my information was compromised. You have failed to verify this account and continued reporting an account that may have been opened due to fraudulent activity. If this account is not removed in 1 days, I will move forward with suing your company. I am well aware that each FCRA violation is {$1000.00}. Immediately remove account XXXX XXXX
Consumer complaint received 2023-08-04
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: Experian Information Solutions Inc. (CA)

My credit report is showing late payments to XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service representative.
Consumer complaint received 2021-06-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MI)

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 2021-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NJ)

I have contacted by Jeffcasys, theyre asked me about {$510.00}. XXXX that I owed to XXXX since XXXX but I explained that I paid it, long time when I changed to other phone company. They insisted to charge me that money and theyre calling threatening me. During the pandemic also called many times a day. Now I found a derogatory marks on my credit report. I feel very frustrated cause My credit score went down. I want to remove this issue from my credit report.
Consumer complaint received 2023-02-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc. (NC)

I was never notified of a debt. In fact, I am not sure the debt is even accurate as I cancelled my auto insurance policy with XXXX at the end of the term and switched to another XXXX. I was never notified by XXXX or CSS. I just got notified once the collection was reported to the credit bureaus. I then called XXXX  as soon as I saw it on my credit report and paid the full amount, even though they never stated what it was even for. XXXX said they sent XXXX letter via XXXX mail, I never received it. CSS never attempted to contact me at all. Had anyone reached out to me, I would have paid this off, as I did as soon as I learned about it from my credit card company who monitors my credit. I believe CSS is using unfair tactics by just reported to the credit bureaus without any attempt to contact me. Furthermore, I paid XXXX  and believe that CSS reporting to the credit bureaus is inaccurate as I never heard from them, called them or dealt with them so they should not be reporting anything since no transaction or communication was had with them and their was no debt owed to them since XXXX was paid.
Consumer complaint received 2023-05-28
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: Experian Information Solutions Inc. (MD)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2021-06-21
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FULTON FINANCIAL CORPORATION (PA)

I am in the process of refinancing my Fulton Bank mortgage with XXXX XXXX. I've been attempting since XX/XX/XXXX to receive a payoff statement that XXXX requires. XXXX made the request on XX/XX/XXXX and has received nothing. I've called Fulton multiple times to obtain that statement per XXXX 's request. I've waited 20 minutes on hold the first time I called XXXX. Then 40 minutes 2 days later. Today ( XX/XX/XXXX ), I've been on hold with Fulton for 1 hour. This is terrible customer service and is jeopardizing my closing on the refinance scheduled to occur on XX/XX/XXXX.
Consumer complaint received 2023-06-21
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSEN to report anything on my consumer report which violates my rights as a federal protection consumer. NO CONSENT IS IDENTITY THEFT. As a consume! lam demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2021-06-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MoneyLion Inc. (LA)

The week of XX/XX/XXXX, my checking account with XXXX XXXX  was compromised and a fraud investigation was opened, and it was determined that my identity had been stolen. ( All issues with XXXX have been resolved ). XX/XX/XXXX, I received a letter from MoneyLion Inc with a debit card for an account in my name. I had not opened any account with this bank. When I called for more information, I was told that there was an account on file in my name and also a loan for the amount of {$110.00}. I informed them that this had been opened fraudulently, told them about my identity theft, and that I would like the accounts closed. I offered to provide them with documentation such as the police report I filed the previous week to support my claim. I was told that both accounts would be closed and a fraud agent would call me to follow up within 3 days. A week later, I still had not received a call back and tried to follow up, but was hung up on during my first call transfer. As of XX/XX/XXXX, I have not received any follow-up from MoneyLion. 
On XX/XX/XXXX, I received a XXXX  credit alert about a new account and found a MoneyLion personal loan in the amount of {$1000.00} ( NOT the same amount I was told on the phone in the first place ) that was taken out on XX/XX/XXXX. I have also tried to contact MoneyLion online, but when I tried to make an account, I was told my information ( SSN ) already exists in there system and to sign in instead ( obviously I do not know the username or password for this account, since I did not make it ). I have already filed a police report, fraud reports with all three credit bureaus, an IRS Identity Theft Affidavit, and an identity theft report with the FTC, but I have been unable to get any assistance from MoneyLion in resolving this issue.
Consumer complaint received 2022-12-08
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: Resurgent Capital Services L.P. (AL)

I was effected with identity theft due to my illegally name change in the database system reported deceased illegally without a death certificate illegally data of birth change cause me to not gain credit assistance denied credit letting other companies gain credit card an mortgage loans in my name making my credit score to decrease to poor knowing I never had anything in my name identity theft I was effected in XXXX database identity theft never received my settlement if they can't provide 2 form identity card by government law name an an birthday incorrect they company 's that reported should be hold acceptable for the action should be deleted off my credit report I half to suffer knowing I get turn down because my credit is XXXX because other companies saying I owe them for stuff I never applied for my credit is in good standard I fill like I should fill a lawsuit against the them for allowing them to do that an report false information cause me to go through this stress I get denied credit from everyone can't even get a home loan due to poor credit for allowing them to be placed on my credit report knowing my data of birth is incorrect no debt no nothing with out identity cards on file thats the government law in the United States apply for credit u should have identified card on file nobody should use false information to gain credit in someone name
Consumer complaint received 2023-02-23
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (RI)

I opened a Citigold checking acct on XX/XX/XXXX ( over the phone - there are no branches in my state ). I selected a bonus program available in my zipcode offering a bonus if specific rules are followed. The acct was fully funded by XX/XX/XXXX, meeting the rules. I also kept in touch with my " relationship managers '' to ensure everything was done correctly so I could collect my bonus. I chose the {$300000.00} level. The rules then state to : maintain the required Minimum Balance ( {$300000.00} ) in your eligible account for an additional 60 days from the 21st day. The cash bonus of {$2000.00} will be deposited into your open, eligible account within 30 calendar days ( XX/XX/XXXX ) after you complete all required activities. I met all the rules and verified with my relationship managers, but did not receive my bonus. I was told there is a work shortage and there will be a month delay. I found this excuse to be questionable as the bonus program is currently being advertised and Citibank is a XXXX XXXX business. I emailed my relationship manager but he did not reply. I called several departments but could not get answers. I was told by one rep that I did not follow the rules so that's why I did not get the bonus. I finally left a msg for the manager of my relationship manager- still waiting for a reply. I am XXXX and XXXX and try my best but I feel that this may be fraud.
Consumer complaint received 2021-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I have contacted Credit Collection Service company on XX/XX/2021 and XX/XX/2021 to dispute this erroneous debt that was placed on my credit reports in error. I have not received any debt Validation notices from them. I also disputed this erroneous account with the 3 credit reporting agencies, which returned back to me that this item was verified and updated! How is this possible? I contacted this company over 4 months ago with no response or validation for this debt, which violates the Fair Debt Collection Practices Act. Below i will include all of my correspondence with them and the 3 credit reporting agencies and their reply to my dispute. I also included my Certified mail tracking receipts which clearly states that Credit Collection Service received my dispute and is clearly violating the FDCPA.
Consumer complaint received 2023-01-11
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. (FL)

On XX/XX/2022 I sent a letter to the credit reporting bureaus regarding inaccurate and unknown items on my credit. I have reasons to believe that my information was leaked, there are accounts on my credit report that are not mine. I made the credit reporting agencies aware of this issue, but it has not been resolved. I demand these accounts to be deleted immediately off my credit report because it it breaking the fair credit reporting act.