davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (MS)

We sold our home at XXXX XXXX XXXX, XXXX, XXXX XXXX on XX/XX/XXXX. I personally took all of the XXXX equipment to the store located at XXXX XXXX, XXXX, XXXX XXXX, on XX/XX/XXXX to return and requested the account be closed. The account was in good standing at the time and I even paid the bill that came due on XX/XX/XXXX for {$240.00}. I received late payment notices from XXXX starting after XX/XX/XXXX stating I was past due for XX/XX/XXXX. I contacted XXXX a total of ( 5 ) Five times between XX/XX/XXXX and XX/XX/XXXX. Three time in person at the store ( including the original return of equipment date on XX/XX/XXXX and two times by phone ). During one of the two times by phone I received a " ticket '' number XXXX from the XXXX representative on the phone and was told the account would be updated and closed per my initial contact on XX/XX/XXXX. On XX/XX/XXXX, I received another statement in the mail stating I was now past due for the months of XXXX and XXXX, XXXX. I went back to the XXXX store located at XXXX XXXX, XXXX, XXXX and informed the XXXX representative of the situation. He pulled the account up and informed he corrected it and showed it closed per XX/XX/XXXX. I left the store and received an email about 10 minutes later from XXXX showing where the account was closed, but dated XX/XX/XXXX and NOT XX/XX/XXXX. I returned to the store and spoke with the same representative, again, and he assured me he specifically put in the notes for the account to be closed XX/XX/XXXX. I now learned as of XX/XX/XXXX, that XXXX has turned me over collections. I am disputing this claim. I have documentation showing where the house was sold on XX/XX/XXXX and we moved into a new home the same day. This is absolutely ridiculous. I did everything required to close the account and still not resolved. 

I have also filed a complaint with the XXXX XXXX XXXX. I have attached a copy of the closing paperwork on our house located at the residence where service was provided relation to the bill and also a copy of one of the " XXXX ticket '' numbers I received during one of the 5 conversations with XXXX representatives. 

Thank you.
Consumer complaint received 2023-08-11
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. (MD)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX **** Balance Owed : {$340000.00} XXXXXXXX XXXX XXXX  Balance Owed : {$9800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$2700.00}
Consumer complaint received 2021-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (GA)

I have no information about this debt. 

I learned of it, checking my credit. 

I have tried multiple times to get information regarding this. 

I do not have an account number or the original company, I can not confirm or deny this. 
I have submitted multiple queries to the credit bureaus, 2 of which have dismissed it and I do not know why.
Consumer complaint received 2022-07-23
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. (SC)

Re : Acct : XXXX XXXX To Whom It May Concern : I am writing as a member of the nationwide class of the XXXX XXXX XXXX XXXX XXXX, No. XXXX class action settlement. Essentially XXXX XXXX was sued for predatory lending practices, improper notices in connection to collecting on loans as well as various violations of the XXXX code. While I only received a small amount of money from the settlement as a class member, XXXX also agreed to request that the XXXX nationwide consumer reporting companies XXXX, Experian, and XXXX delete trade-line information on your credit report related to your account with XXXX that is the subject of this case, as well as ceasing accrual of finance charges and late charges on deficiency balances. In fact, my XXXX  XXXX XXXX was repossessed I believe 3 times during the requisite time period. This has not been done and this account still appears on my credit report The purpose of this letter is have this account removed entirely from my credit report as it is clearly having a negative impact on my credit as mandated by the aforementioned class action settlement agreement. I trust you will adequately investigate this matter and remove this tradeline within the timeframe as provided by law.
Consumer complaint received 2022-07-23
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. (DE)

I went a dealer to get a car and they told me they were only running my credit for one lender which was XXXX. They lied and now I have unauthorized inquiries on my report. Tried to file a dispute through XXXX, XXXX, and Transunion and was unsuccessful. The system would not take the dispute and even when I called them they stated that the inquiries would be removed between 24 -72 hours. Nothing happened. Also In accordance with the Fair Credit Reporting act. The List of companies below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : XXXX XXXX : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Transunion : XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : 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 an 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 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Last night I attempted to access my Transunion account in an effort to keep it active and up to date, only to be required to enter a 6 digit passcode sent to the email address associated with the account which took long enough to arrive that it had expired by the time I entered it, causing my account to be locked. I promptly initiated an unlock request through the procedure made available through the merchant 's website, only to be subjected to a repeat of the episode this afternoon, as another passcode was sent that took over 25 minutes to arrive ( although the email timestamp falsely indicates that it was sent immediately, it took over 25 minutes to appear in any of my email applications in use at the time on a variety of different devices ).
Consumer complaint received 2021-03-24
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)

XX/XX/HSN is in violation of the Fair Credit Reporting Act XXXX FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my TransUnion consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C.

1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XX/XX/HSN. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XX/XX/HSN for review or collection
Consumer complaint received 2018-12-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

I cancelled a cashiers certified check for {$2000.00} sinceXX/XX/XXXX and i am still waiting for the funds to return to my account. That is more than a 104 days. I keep calling and going to the branch and noone can tell me what is going on. The branch says to call customer service and customer service says to go to the branch. Because of this hold up. My automatic bill payment checks have bounced. The bank has charged me fees and blocked my account. 
My billers has also charged me fees. By the time they give me my money back it will just cover fees i incurred because of their lack of organization and fairness. 



I will never buy a certified check again.
Consumer complaint received 2021-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

I have attempted to work with the 3 credit bureau and they still continue to report in accurate information and provide no proof of executed contracts with my signature. This inaccurate account and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validated this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.
Consumer complaint received 2021-02-02
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. (AZ)

XXXX XXXX XXXX of XXXX led me into believing that they had and an agreement with my credit union to get a credit application and maliciously took my personal information and submitted loan applications to 15 different lenders after I was already approved through my own credit union. This has caused my scores to drop and i was recently turned down for a loan because of too many inquiries. 

At the time of transaction the sales manager told me they would help me get the inquiries removed and has done nothing to help get this resolved
Consumer complaint received 2023-03-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ResidentCollect, Inc. (TX)

I was constructively eviction from the XXXX XXXX XXXX XXXX  managed by XXXX XXXX XXXX, where I had been a resident for sometime, when the management company hired a new manager, XXXX XXXX. This new manager started harassing me by filtering noise, and vibrations through my apartment. I complained to the management office and was told that I had no proof, so nothing was going to be done. I reported it to the police, but the police told me that the manager had to be caught in the act. So there was nothing that the police department could do.The harassment continued and started affecting my health ( increased XXXX XXXX and XXXX  from the noise ). I had to move out. The last interview I had with a different manager, I was told that I was released, everything was cleared. After moving out, months later I noticed that my credit XXXX Score had been dinged by a collector on behalf of XXXX XXXX for failure to pay an amount in which I had not received any notice of. This ding on my credit score was a continuation of the harassment I had been receiving when I lived at the apartment.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ALLY FINANCIAL INC. (OH)

On XX/XX/22 I applied for a Ally XXXX XXXX and was approved. I received an email that I would get my card in 7-10 business days. After the initial 10 business day wait time I reached out concerned because I had not received my card still. The representative that I spoke with said that they were having a issue printing the cards and to give it to the next Monday and if I had not received it to call back. I waited that time frame and then some, I ended up calling that next Wednesday as I still had no card come in the mail. When I called that time the representative was not very helpful, she said the same as the other lady that my card had been shipped but she could not give me a tracking number. I told her this made me uneasy and that I was beginning to worry about the validity of their company. She stated they were having issues making the cards and this was causing issues for customers to receive them to which I said but my card is already made if it has been shipped so I am not understanding. She said that all she could tell me was what she already had and that if I wasn't satisfied she could escalate me to a supervisor which I asked her to do because I was very uneasy with how this was all going and that it sounded very scam like. She placed me on hold for sometime and finally came back and said that her supervisor would be busy for quite a while and she couldn't keep me on hold that long. She said that he would call me once he was freed up from his current call. He never called. So this has now hit my credit as an account but I am unable to get them to produce a card or account that I can use. Any communication is met with the same response and I am left back at the same place I started.
Consumer complaint received 2021-02-20
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. (TX)

I have attempted to work with the 3 credit bureau and they still continue to report in accurate information and provide no proof of executed contracts with my signature. This inaccurate account and you nor the creditor has not provided any contract with my signature to prove that I own this account or opened this account. Who validated this? This account shows that it is in collection, however the payment history is reflecting OK and still showing as an OPEN account. How is that possible, please delete as I will pulling my legal team to review as this is reporting incorrectly and by law it needs to be DELETED.
Consumer complaint received 2021-02-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (FL)

This is the second time in less than a year, during COVID mind you, that Citi has decreased my balance for absolutely no reason, to what I owe on the card, which then makes it appear that I have maxed out a credit card. This has a devastating impact on your credit score when a credit card is above 30 % usage. They did this in XX/XX/2020 and when I filed a complaint, they raised my limit back up to what it was before they reduced it. See previous complaint I filed on XX/XX/2020. The email states it is a decision made by Citi and not by the credit agency. You can see I have a 100 % credit payment history on all my credit, car loan, etc. 

There is no reasonable explanation for this. I got this card after receiving a promotion in the mail for an interest free balance transfer. The only charge to this card was the balance transfer, which was about 30 % of the total limit they offered. My limit was {$9200.00}. I have not charged anything additional to this card. I kept my credit utilization under 30 %. I have never missed a payment. The credit limit was {$9200.00} and I only owe {$2700.00}, so less then I did in XXXX when they reduced the limit. I have not charged anything additional and am paying it off and feel like Im being punished for being responsible. There is no reason for Citi to have reduced the credit limit, which will cause my score to decrease significantly. This will have a tremendous negative impact on my credit. The country is in a financial crisis and I have done everything right. Thankfully, I still have my job.The same job I have had 14 years. I have paid all my bills on time and have a 100 % on-time score. Ive never been late on any of my credit payments and have not asked for any kind of COVID forbearance. I do not know why they would treat their customers like this during such a trying time. Its going to ruin my credit. I just want them to increase the limit back to what it was. I have no plans of jacking the card up to the limit. You can see that I have paid it down and have charged nothing else. Im doing the responsible thing here. I will even agree to not charge anything additional if that is what they are worried about if they will just increase the limit back to where it was so that it doesnt look like I maxed out a credit card. Quite frankly, how can this be legal. They literally have the power to ruin someones life without good reason. And Im trying to buy my home. This is devastating to my financial well-being.
Consumer complaint received 2023-03-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd. (VA)

A company called XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Illinois, XXXX ) has been attempting to collect unpaid taxes in an amount far in excess of what I could possibly owe the State of XXXX. They have left harassing and abusive voicemail messages at hours outside allowable contact times, have threatened to sue me and contact my employer, and have sent me a copy of a garnishment order ( XX/XX/2023 ) in an amount I do not owe. 

It's unconscionable that the State of XXXX  Dept. of Taxation would associate itself with this entity or its unlawful practices.
Consumer complaint received 2022-12-14
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (NJ)

I discussed with the Mortgage company over the phone way back last week of XX/XX/XXXX, 1st week of XX/XX/XXXX, that I am no longer interested on doing " ASSUMPTION PROCESS '' and his name was XXXX. I did cancel over the phone. And I know the fact and they keep on repeating on me that papers good only within 30 days, since we never open up the topic about " Assumption '' so, for what i've known and repeatedly telling me by them that 30 days will expired. And the mere fact i cancelled over the phone. They should be chain reaction to all their department. They should be updated and systematic. So much inconsistent information. So, to make the story short assumption is " voided ''.

Now, since we are delayed for the mortgage payment, we are applying for " Payment Plan '' today XX/XX/XXXX and spoke with XXXX for almost 1 hour discussion because he needs to do the paper works for " Payment Plan '' and told me starting XXXX XXXX will be my first payment, but when he tried to be " approved '' it doesnt allow him, they found it that my " assumption application '' still active. VERY INCONSISTENT INFORMATION, THEIR STAFF NEED LITERALLY TRAIN HOW THEY WILL GIVE CONSISTENT INFORMATION. XXXX trying to help us, but his supervisor doesnt allow him to file the Payment Plan, they're stopping them to approve it due to Pending Assumption Paperworks, and almost 3 months passed by. We dont want to loose our home. We never know if this is only they're " tactic '' or " strategy '' so we can't able to do payment plan. We love our home and they been telling us when you call them " we're here to help you '' and it doesnt make sense, if things are not UPDATED on their system. We need help to make this people from their company to be ORIENTED, so no confusion.
Consumer complaint received 2023-12-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc. (VA)

I was a victim of fraud and I dispute the charge as cashapp advised me to do. I asked if they can be in one claim as it was a clear XXXX glitch or bug were I was charged XXXX times on XX/XX/23. I contacted XXXX they have no record of the charge. Cashapp has closed my acct for filing the dispute they told me to do. In addition they havent refunded all the charges and wont tell me what policy or security I breached.
Consumer complaint received 2018-12-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TX)

In XX/XX/2018 I started getting phone calls from numbers I did not know, mentioning XXXX  XXXX and " actions '' they would have to take if I didn't call them back. I did not answer because I thought they were scam phone calls. 

In XX/XX/XXXX I was notified that my credit score had gone down, so I checked it, and saw a delinquent account on it. The account shows up as : XXXX/XXXX  # : XXXX XXXX XXXX XXXX XXXX , OH XXXX It appears to have been opened XX/XX/2018 and now has an unpaid balance of {$730.00}. 

I filed an investigation with XXXX XXXX, and they completed the investigation but the results were " VERIFIED AS ACCURATE AND UPDATED. '' I did not open this account and I need it to stop ruining my credit score - which used to be pretty good. I've never had a late payment or delinquent account so this stands out as pretty suspicious on my credit report.
Consumer complaint received 2022-12-03
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. (NC)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.