davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Bureau of Carbon County (CO)

There is a remark on my credit from this creditor for the amount of {$360.00}. I do not recognize this creditor and do not owe this debt, however - this is negatively impacting me as an open debt account.
Consumer complaint received 2021-02-15
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)

I have a lot of issues with my credit report, there are late payments and negative accounts that are not mine and inquiries that I did not authorize and accounts that are not mine. 
I am including a letter to explain about these items.
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

Credence Resource Management , LLC. is falsifying dates of acquired debt. Received correspondence since XX/XX/XXXX. The creditor is stating that they never had the debt until XX/XX/XXXX. They are falsifying dates and claiming that another creditor bought the account from them and they then purchased it back from another collection agency. There is only letters coming from them throughout XXXX. They refuse to correct the date they acquired the debt. They are not representing the debt accurately. It posted to credit Bureaus as a new debt in XXXX of XXXX due to disputes that are being made. The equipment was returned to XXXX XXXX XXXX so the debt amount is incorrect. The collection agency is playing the date game so they can hold on to the debt longer. I offered a payoff amount as well which is more accurate to the total owed and they refuse.
Consumer complaint received 2022-12-14
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. (NC)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2021-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (GA)

Hello, I checked out of this place in XXXX. My reservation ended XXXX XXXX and I was given refund by the company. I had a feeling about these employees they seemed shady I blame them for this. I would like my charges to be refunded me and I guess cancel the card. Thank you. 


XX/XX/XXXX XXXX  # XXXX XXXX AK {$250.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$440.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$850.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$510.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$840.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$430.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$250.00} XX/XX/XXXX XXXX  # XXXX XXXX AK {$700.00} XXXX XXXX
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (NY)

I never opened credit card with XXXX  XXXX XXXX, which I confirmed twice with the bank. The experian credit report showed that Under my name, there is a XXXX  XXXX XXXX credit card with payment made on time each month since 2013. I cleared dont have this credit card nor made the payments. I filed a dispute, experian just made an updates but didnot delete this account. 
This is the second time they mixed up my report with someone else. 
It happened before, it was the same XXXX XXXX XXXX credit card poped up, I filed the dispute and they removed it.
Consumer complaint received 2020-09-14
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Dovenmuehle Mortgage, Inc. (MN)

We are filing a complaint due to inaccurate late payments showing on our credit report from our mortgage company, XXXX  XXXX ( XXXX XXXX XXXX  ). Details for this complaint are as follows : In XXXX of XXXX we contacted our Mortgage company XXXX XXXX ( XXXX XXXX XXXX ) to inform them of some financial difficulties we were having and that we were unable to make our XXXX Mortgage and wanted to know if there were any options to defer our payment. They informed us that they did not offer any type of deferment options and that we would need to call back after the XXXX of the month for any options they had for a late payment. We then called them the XXXX week of XXXX and were told the best option would be a loan modification which would defer 3 payments on the loan if the terms of the modification were approved and completed as agreed. The representative informed us that these payments would not be listed as late as long as the terms were met, we completed the application process on XX/XX/XXXX and they were received via secured download on XX/XX/XXXX. The completed package acknowledgement was sent to us on XX/XX/XXXX and our trial modification plan was sent on XX/XX/XXXX detailing the terms of the flex modification which had {$1600.00} due on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX for the 3 trial payments for the modification to be approved. XXXX XXXX received the XXXX payment for XXXX on XX/XX/XXXX, the second payment for XXXX on XX/XX/XXXX ( this payment was sent on XX/XX/XXXX but not recorded on their end until the XXXX ) and the final payment for XXXX was received on XX/XX/XXXX. The three payments listed prior kept us well within the terms of the modification and our first actual payment for the new modified loan ( starting in XXXX ) was received on XX/XX/XXXX. 
Aim Loan has reported us late 7 times since this began, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. This is not at all true, we are requesting you to investigate and correct our credit report with the correct information. We do have detailed documentation to support our complaint and will provide upon your request.
Consumer complaint received 2021-08-05
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)

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX-Date of Inquiry XX/XX/2020 2020
Consumer complaint received 2022-03-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NC)

I called Mr. Cooper on XXXX and asked about getting the account set up on draft because it is difficult for me to make my full payment all at once. The representative told me that I had to get the account caught up before doing that, but she would email me the form. I told the rep that I would pay XXXX and XXXX payments to get the account caught up ; she said they should draft in XXXX. We both reviewed the calendar and discussed the draft beginning on XX/XX/XXXX. This was all spoken on a recorded call. Today, XX/XX/XXXX, I called Mr. Cooper, and the representative told me that the account wasn't set up on a draft because my account is not paid ahead ; the account is due for XXXX. I explained that when I submitted the form, the account was scheduled for XXXX, and I was paid ahead, but they sat on my request and didn't process it, and now they expect me to pay two more payments ahead to set the draft up for XXXX. The rep claimed that I had to make my payments prior to the XXXX and that was never told to me during my initial call. How is that fair? They never communicated that they couldn't set the account up for the draft. This is predatory and deceptive practice because I did exactly what I was told, and now I am forced to use bill pay for my bank and will be charged a late fee each month. This matter needs to be investigated. Why can't Mr. Cooper set the account up on draft as they stated in the recorded conversation? I was advised incorrectly by their staff and am now penalized by this company knowing I am trying to pay my mortgage on time, and they keep changing the rules to assist me better. They should have listened to the recording and honored what I was told. They also need to communicate better, especially when people lose their homes and struggle to keep a roof over their heads. I scheduled my half payment to be sent by my bank today and will send them a half payment each month so they will get a full payment each month, but I will also be charged a late fee every time. This is not fair. Again, this practice is predatory and deceptive.
Consumer complaint received 2024-12-09
Product: Credit 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: CITIBANK, N.A. (PR)

We have a charge for services not provided. Payment was approved and sent but never resolved. Reached out to paypal and citi but no success on their end as well.
Consumer complaint received 2021-01-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

My report is being used improperly and violates my rights as a consumer 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 instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave TRANSUNION any written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. 

Concerning the accounts listed below as a consumer I am demanding the deletion of the following accounts : XXXX XXXX : XXXX
Consumer complaint received 2022-09-22
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. (FL)

My name is XXXX XXXX. I am a real person and I am a natural person. I am a living human being and I have the rights under 15 USC 1681. XXXX, Experian, and XXXX are governed by 15 USC 1681 and they are violating my rights numerous times. I demand the INQUIRIES listed below to be removed : 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 
All these inquiries are unknown and I have never authorized them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by the federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on the credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. According to 15 USC 1681 : I have the right to privacy and I did not give any authorization or written permission to furnish these accounts on my credit reports. In accordance with the Fair Credit Reporting Act, the inquiries attached are violating my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( a ) ( XXXX ) 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. These are clear violations of my federally protected consumer rights.
Consumer complaint received 2022-01-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MONEY SOURCE, INC., THE (CO)

I have a 30 year conventional loan with XXXX that was sold to The Money Source without my permission or knowledge in 2017. I was just turned down on a land loan because the Money Source reports my mortgage as revolving credit so my credit rating is wrongfully lowered so to the balance to value ratio. The money source claims its industry standard to report a manufactured home as 17 but my home has been purged and permanently affixed to my 7 acres.
Consumer complaint received 2022-04-06
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. (MS)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-11-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AL)

On XX/XX/2022, USAA locked me from gaining access to my checking account on the mobile app. When I contacted USAA I was informed that my USAA membership was cancelled and the bank discontinued to do business with me. For over a month in a half I continuously tried to contact and communicate with USAA over the phone but I was informed that the customer service representatives could not verify me to talk to me and that my membership was cancelled. On XX/XX/2022, I received a letter from USAA that my checking account was in the negative over {$14000.00} and the bank is requesting my personal information as if they never informed me that my membership was cancelled. I no longer bank with USAA so why are they continuously invading my privacy asking for my personal information as if I am still a member of their bank and the bank keeps mailing letters harassing me going back and forth saying the checking account is restricted as if I didn't request in writing and over the phone to close my checking account. In addition, USAA violated my privacy by mailing a letter without any addressed receiver knowing that multiple people I live with banks with USAA violating my privacy once again with their XXXX XXXX acts towards me since XX/XX/2022. XXXX I receive assistance from an external agency that can assist me in getting my USAA checking account officially closed and stop USAA from harassing and violating my privacy as a non-USAA member.
Consumer complaint received 2022-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

CITICARD- I accidentally deleted my user name and password to log onto this account. I had cut up the card associated with it, as it was expired, and I was only paying what was due. When I went to try to recover my login, it asked me for the card number, which I know longer have. I tried doing a " chat '' on the site, and was told no one could help me. I spent an hour on the phone 3 months ago, and no one could help me. I've since seen the balances of my account that are increasing, and I do not know why. I called again on XX/XX/2022, and was told that no one could help me. I wanted to transfer the balance to a different card, and can not do that without the number, which no one will give me. I spoke to a supervisor, and was told it was against their policy, however I'm being charged whatever ridiculous rate that they are assigning, and I don't even have the option to pay it unless I pay out of pocket, and I do not have the funds to do that.
Consumer complaint received 2021-08-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

I attempted to purchase an item from XXXX. I received an email that the item had been shipped, but I never received the item. I contacted the company regarding the issue and they told me that they could not assist me due to the item being shipped. I made 2 payments on the item, but never received it. Unfortunately, I am now receiving collection notices regarding the item that was never received. I am not responsible for paying for an item I never took possession of. I have all email correspondence from the company.
Consumer complaint received 2021-01-28
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: AMERICAN EXPRESS COMPANY (CA)

I used my American Express XXXX XXXX card to purchase a slide from a company called XXXX XXXX. The slide that was delivered to me was NOT the slide that I was discussing and approved a purchase for with the company representative. He did a bait and switch without my knowledge. American Express has not been able to resolve the issue. 

The company has acknowledged an issue and requested I pay hundreds of dollars in shipping and restocking fees to return a slide that was fraudulently switched on me.
Consumer complaint received 2022-09-22
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC. (CA)

I am a victim of identity theft/mail fraud on XX/XX/2021. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that MIDLAND CREDIT MANAGEMENTXXXX XXXX XXXX absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position.
Consumer complaint received 2022-09-12
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (NY)

I discovered that my home was broken into by XXXX XXXX on XXXX XX/XX/2022 and the locked to my private property where changed, the premises ransacked and all my personal property belonging destroyed and missing. I blame there sender WELL FARGO BANK they failed to " properly supervise and monitor '' the contractors and subcontractors. This all took place while I was away probation my father 's estate as he just passed as a grieving XXXX veteran this is unacceptable as I have no contracts with Wells Fargo nor XXXX I hold the XXXX and XXXXXXXX XXXX from IRS and XXXX Homes Loans whom I acquired my home from this is unlawfully and illegal barring, larceny, braking and entering, and alot more this needs to be addressed thank you. By : XXXX, XXXX
Consumer complaint received 2021-01-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION (TX)

Please refer my previous complaint # XXXX. 
It was : -- -- -- -- - I had opened a Checking account with BB & T last month. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. Moreover My XXXX payment request is also blocked or stopped. I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times. 
-- -- -- -- -- -- I am not satisfied with the response of BB & T after CFPB intervention. 
My access is blocked. 
I tried calling them but it's a long wait and confusing menu. 
Ideally they should have provided the direct number to reach out to them. 
With my full time job, preexisting conditions during pandemic - I can not think of going to their branch and risk my life. 

So i would l like my account to be closed and all the money being sent to me by check or money order. 
I just don't want to deal with this bank anymore.
Consumer complaint received 2021-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AL)

I have contacted Credit Acceptance various times to notify them that their inaccurate reporting is making it strenuous on credit reporting agencies to follow there duty of reporting accurate information on consumer credit files but being that the alleged creditor is responsible for submitting the correct information in metro 2 format so that the credit agencies have the same information to work from. The account balance and past due balance is wrong on XXXX and XXXX causing my debt to credit ratio to negatively effect my credit score.on XXXX this alleged account shows {$0.00} received payment but shows an alleged last payment date and the account being paid in full I attached a recent dispute I wrote but to Credit acceptance about this matter.
Consumer complaint received 2022-01-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX used predatory lending practices and was in litigation with the State of Texas/Department of Justice . These predatory practices have affected me as a consumer because they have put a charge off on my credit for over {$20000.00} that has been there for XXXX and XXXX months that should not be there!