davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (WA)

My phone and purse with my ID and social security card was stolen I had just received my income taxes and they sent it through credit karma all my account info was in my phone when this happened on the XXXX of XXXX I immediately called credit karma and told them my phone and purse wallet was stolen to close the account I then asked them the last transaction and at that time there had been no unauthorized transactions made yet all my money was still there {$6800.00} about so that was good news and made me feel a little better knowing they didnt spend my money because that was all the money I had to get a place for me and my son because we just lost our house that day anyways the next day I was able to get into my phone log to see who they were calling and I saw this XXXX  number on there multiple times like 10 calls made back and forth so I called it and it was the fraud department to credit karma I then found out they let them back into my account and was calling my phone which they acted like me and authorized all the transactions they were making I tell the fraud department what was going on that they should of never authorized any transactions because I told credit karma to close the account and send me a check well the people who stolen my phone changed my whole account to there phone number there email so credit karma would not let me access my account without verifying who I was so I sent them a picture of my ID I had on my computer and my social security card with a picture of myself holding the time and date with my social security number but that wasnt good enough I had to send the back of my ID which was stolen with everything else and I was waiting for my new ID in the mail which was going to take 7 to 14 business days but they wouldnt let me access my own account until then so that whole time Im telling them to close the account send me a check this was all the money I have for a place to live now me and my son are on the streets they were still letting these thieves spend all my money credit karma even hung up on me a couple times cuz I was going back and forth with them crying wondering why there doing this to me the minute I called and told them to close the account that all my stuff have been stolen to just send a check why would they let these thieves back in my account it does not make sense there phone calls are all recorded and every store or atm or however they pulled money off my account should have cameras and its obviously not me I made a police report and everything and credit karma still denied my disputes when I have waited way over however days they said it took to get my money back and the whole time me and my son are XXXX have no where to go no money for food because credit karma let someone else spend my money this is not right
Consumer complaint received 2022-10-13
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. (LA)

In accordance with the fair credit reporter act XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX # XXXX Date : XXXX. has violated my rights 15 USC 1681 section 602 8 states I have the right to privacy 15 USC 1681 section 604 a section 2. It also states a consumer reporting agency can not furnish your account without my written instructions.
Consumer complaint received 2024-12-13
Product: Credit card — Store credit 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: CITIBANK, N.A. (TX)

I am a Costco customer with City Visa card Which I used to purchase XXXX  bars of gold bars which Costco offered to executive card holds and I placed an order for XXXX bars but Citibank declined to pay as my credit limit is only XXXX. So I requested them to increase my credit limit to XXXX which they declined and I was told to wait 6 months. In the meantime the lady who was helping me at Costco suggested to use another card and she agreed to accept my XXXX card, All on a sudden the price of gold dropped and my request to adjust the price was declined by Costco. The reason I am writing this complaint is why Citibank declined to increase my credit when I have an excellent credit with no debt and an asset valuing over XXXX XXXX. The person I talked to is XXXX at Citibank who declined to give his last name and I lost a lot of time and an opportunity to invest in gold. I want you to take appropriate action so that another well respected person does not have to go through similar fate. Thank you and have nice holidays. XXXX XXXX
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified, that I have disputed. Please resolve this matter as soon as possible. Thank You.
Consumer complaint received 2022-05-25
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. (NC)

I contacted Experian to inform them that the XXXX XXXX XXXX account should be deleted as fraudulent. The problem is as followed : I contacted XXXX  after they reported late payments to my credit report. XXXX  system operates where they are connected to the consumer 's bank account and withdraw payments every thirty ( 30 ) days. I emailed a technician back and forth telling them that there was a problem with their application. ( please see history of Emails ). They never fixed the issue. Subsequently, they charged off the account to save face for their improper business practice. 

I disputed this error. It has been removed from my XXXX and XXXX report. However, Experian refuses to comply showing deliberate intent to remain complicit in causing me financial harm. They have circumvented the law and poses as a critical partner in helping fraudulent company defraud the Government and Consumers. 

XXXX XXXX XXXX does not have the right to write this debt off as they failed to fix an issue that is widespread news. ThXXXX XXXX XXXX XXXX  have received thousands of cases pertaining to this same issue and Experian turns a blind eye to such information.
Consumer complaint received 2022-05-25
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. (IL)

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

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

1.XXXX  XXXX XXXX, ( XXXX ) XXXX 2.XXXX XXXX XXXX, ( XXXX ) XXXX XXXX XXXX  XXXX, ( XXXX ) XXXX 4.XXXX  XXXX  XXXX, ( XXXX ) XXXX 5.US DEPT OF EDUCATION, ( XXXX ) XXXX
Consumer complaint received 2024-12-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

Our house flooded in a hurricane and we made an insurance claim. The check for repairs was made out to both me and the mortgage company, Shellpoint. I sent in the required documents and the check to Shellpoint to get endorsed and the money back to complete the repairs. Per an agents advise, I sent the check ( for almost {$74000.00} ) overnight on XXXXXX/XX/XXXX and included an overnight prepaid return envelope to expedite the process. Shellpoint deposited the check into an escrow account. Several times I called to check the status and every time was told either they were missing something from me, ( which they never reached out, I had no idea they needed it and I quickly got to them ), or it was in review. During one call they said their was a question on one of the documents, but I had never been contacted. So then the timeline starts all over. Around the same time I got a letter stating Shellpoint was transferring the loan to XXXX XXXX. I called Shellpoint to inquire about our insurance claim and check and if it would also transfer. The agent advised that Shellpoint would continue to handle the claim. On XX/XX/XXXX Shellpoint transferred the money to XXXX XXXX ( unknown to me at the time ). On XXXX I called Shellpoint to inquire about the check again - a month after I had overnighted it! I was told the check was approved, they had my overnight envelope and it would be mailed in that envelope no later than Tuesday XX/XX/XXXX. On XX/XX/XXXX I called Shellpoint again because tracking was not showing the envelope enroute. I was then advised that the claim had been transferred to XXXX XXXX and I would need to now work with them. 

I contacted XXXX XXXX  and they did not have a claim and did not have any paperwork from Shellpoint. They did have the insurance money in escrow but didn't know what it was for. The loan was transferred on XX/XX/XXXX, money transferred on XX/XX/XXXX and as of XX/XX/XXXX XXXX has no documents or info? Plus on XXXX I was told the check was approved and on the way. It is now XX/XX/XXXX and I have to start the entire process over - to get my insurance money to fix the house. I overnighted that check on XXXX! 
Also, on the loss " instructions '' for both companies, it lists the exact same address for both companies, yet both deny being related to the other. oddly enough the instructions and procedures are exactly the same as well, so I am back to a long waiting process. The only difference in the documents I have received from the companies is the name on top and phone number. Mailing address for Shellpoint and XXXX are identical. So my documents, check, return envelope, etc should have had no problem finding their way to the new lender.
Consumer complaint received 2022-09-29
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: EQUIFAX, INC. (PA)

I have sent a letter to the XXXX XXXX and they have failed to comply with my letter and has not replied. My letter stated the following : I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information above, so that I may follow up.

2. The date you contacted the individual furnishers of information. 
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Consumer complaint received 2022-07-04
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: EQUIFAX, INC. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

To whom it may concern, I am writing this timeline to express concerns about an error that has occurred. I contacted my previous mortgage company XXXX XXXX XXXX XXXX XXXX or XXXX  ) and they claimed that everything was transferred over to Specialized Loan Servicing or SLS. 

I was informed that we were going to get a new mortgage company on XX/XX/2022 ( I attached the letter labeled Transfer mortgage ). I contacted both companies. My previous company sent over documents to prove we made the payments. They sent us something called Payment History ( attached below ) that states our previous payment and the next payment which will be on XX/XX/2022. 

So, the problem began when we transferred to a new mortgage company. We were shocked to find out that we were supposed to be with Specialized Loan Servicing since XX/XX/2022 but we werent informed of this until XXXX when we received the letter from our previous lender. We contacted their customer service through phone and they told us that we needed to make a payment, then we contacted them through email and they stated that we need to send a formal letter to Notice of error and request for information, which we did on XX/XX/2022. We received a correspondence that ultimately said the payment application described in your dispute was not in error dated XX/XX/2022. I have tried to resolve this issue with the mortgage company to no avail. 

Two concerns that need to be addressed by the mortgage company : -Why didnt our payment transfer over correctly? If so, then the first late fee shouldnt have ever occurred.

-Also, why did we get a second late fee charge?

Last thing to mention that I, the consumer, have a 15 day grace period before any late fee incur as per our contract ( attached below as " Loan Details- Specialized Loan Servicing, LLC '' ). Also, we have 60 days from the transfer from one mortgage company before any late fees should incur.

I created a visualization and timeline to help better understand our situation. I also attached statements from XXXX to the current statement. 


Thank you, XXXX XXXX and XXXX XXXX XXXX ( SLS account number : XXXX )
Consumer complaint received 2022-11-21
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: TD BANK US HOLDING COMPANY (TX)

I recently received correspondence from CFPB informing me that they closed my complaint submitted on XX/XX/22 because they believe that someone other than myself submitted complaint # XXXX, which is not true at all. I am asking for this case to be re-opened and investigated. I will include a copy of my ID for proof of identification since this is the stated reason. I would like for the CFPB to take this seriously and not continue to send stall letters. Per my last complaint, TD AUTO is reporting late payments, but the information is inconsistent between the 3 credit bureaus. They were notified twice to validate this debt that is reporting on my credit report, but they have failed to do. I will attach a copy of my credit report to show the inconsistencies between all 3 bureaus. How are you reporting different information for XXXX, XXXX, and XXXX when the data furnished should all be the same? I have tried to have this information corrected for over 6 months, that is why I am now reaching out to CFPB to help with this matter. I am under the impression that the credit bureaus are disregarding disputes because there is no reason that this wasn't handled in a reasonable amount of time. If I have to bring this to court and hire an attorney, I will be asking for {$2000.00} per violation. At this time, I am only asking for the late payments to be removed and the account to be updated to paid as agreed. If you can not show me your method of validation and how this meets FCRA requirements, then please remove the late payments. I will include the letter as well as the time stamp. Please conduct a proper investigation and update this account. My email is XXXX.
Consumer complaint received 2022-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (DE)

I went to buy a car from XXXX XXXX XXXX due to a financing ad they had posted about a great interest rate. I was aware they would run my credit and signed for them to do so, however, they ran my information/credit through SEVERAL different loan agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX. I am assuming XXXX XXXX, XXXX XXXX and XXXX XXXX are all the same and permission was given but I did not give permission for the other 10 Companies and Id like them removed.
Consumer complaint received 2022-08-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

The company by the name of XXXX XXXX XXXX have been calling my home 7 times per day every day even on XXXX  even after I have asked them to stop I advised that I dont have any business relationship with them and if there is any communication to be had then they should mail it. This harassment continues as of the date of this complaint. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

I got an email that Credence Resource Management reported a collections debt from XXXX for {$1600.00}. I do not have any services with XXXX. I had the same company do this before in XX/XX/XXXX where i proved their fraudulant charges. Now I am going through the same thing as of XX/XX/XXXX. I do not have an XXXX account of any sort.
Consumer complaint received 2022-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (GA)

I lost my identity twice and I had someone use my credit card accounts and open new accounts under my name. I believe it was someone who contacted me about an ad for a townhome I attempted to rent in 2016. They made me submit my bank statements and tax returns and then said the owner decided to go with another tenant. I started to have issues with my credit cards I eventually paid them off after they removed the fraudulent charges. I made several police reports to document what happened. I have attached all the reports I have access to at this point.
Consumer complaint received 2022-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Recovery Services, Inc. (FL)

I had an account with XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX The balance was XXXX ; however the status should be deleted because I paid for delete by settling the amount. I paid XXXX ref # XXXX with agent XXXX XXXX at Financial recovery services via the phone.
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have advised of these errors previosly. 
I recently received a copy of my ( XXXX, XXXX, Trans Union ) consumer reports, and I noticed some late payments posted on my consumer report, XXXX XXXX  Acct # XXXX Closed Account XXXX Late payments reporting on consumer report XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2021 XXXX is in clear violation of the law, Pursuant 15 USC 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( 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 instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my consumer report? Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( 1 ) Exclusions from a consumer report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 15 USC 1681s 3 of this title, any- ( 1 ) report containing information solely as to transactions or experiences between the consumer ( me ) and the person making the report ( XXXX  ) ; Delete the above late payments from my consumer report, XXXX is in violation of 15 USC 168XXXX I have on multiple occasions mailed supporting documentation and correspondence and not been sent validation or response to these documents and queries. I as the consumer am offering remedy to these violations and non-compliance to consumer laws. Please I ask in your capacity to get these important matters corrected immediately.
Consumer complaint received 2022-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Brown and Joseph, Ltd (NY)

On or about XXXXI notified XXXX XXXX that I was not satisfied with the training that I was offered and confirmed XXXX XXXXXXXX XXXX XXXXXXXX that I could cancel my subscription and re-subscribe at a later time without consequences. I've had several conversation with since then and have been advised that the account is now in collections for XXXX XXXX.I am now going back and forth with Brown and Joseph The collection company as well as with XXXX  billing dept without success and have suffered a great financial loss as a result of not being able to work because my companies now only use XXXX