davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-23
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. (CT)

To who it may concern. 

In late XX/XX/XXXX, I XXXX XXXX parted ways and disconnected services with XXXX XXXX. Closed account number : XXXX. During the cancellation phone call, I requested to pay my final bill and agreed to return all equipment required by XXXX XXXX. The representative processed my final bill payment and confirm my account was now closed and completed. 

Seven months later while working with a credit lender for my business. I was made aware of a debt collections from XXXX XXXX for a past due amount in XX/XX/XXXX. The account was confirm by XXXX XXXX, Executive Escalations, Office of the President - XXXX on XX/XX/XXXX. Confirmation email was sent and states account status as paid in full and credit record would be deleted due to sender ( myself ) not being notified of debt. XXXX XXXX confirmed XXXX XXXX Representative failed to update new mailing address. The deletion and retraction process was confirmed to me by XXXX XXXX, process could take 60 days from the submit date XX/XX/XXXX to process and complete. 

Sixty days later while working with the same credit lender in XX/XX/XXXX, I was made aware of the same debt collection on my Experian Credit Report from XXXX XXXX. I once again contacted XXXX XXXX and they confirm the debt was paid in full. As well as the request was sent to have the collection deleted and retracted from my Experian Credit Report. XXXX XXXX XXXX once again processed the deletion and retraction request to Experian for the second time. 

XX/XX/XXXX while working withe the same credit lender. I was again made aware of the XXXX XXXX XXXX collection was still an active collection on my Experian report. Ten months has now past since I was confirmed by Frontier Communication collection would be deleted and retracted from my Experian Credit Report back on XX/XX/XXXX.
Consumer complaint received 2022-04-27
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. (FL)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. My information was impacted by the Equifax data breach and many different fraudulent items that i don't recognize have shown up on my credit report. All is being investigated by the FTC.
Consumer complaint received 2021-09-06
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. (MD)

Greetings : I would like the referenced tradeline deleted from my consumer report. I have written to the company ( Equifax ) on two occasions ( over 60 days ) and have not received a response ( FCRA violation ). Additionally, the company ( Equifax ) is reporting inaccurate in formation ( see credit report attached ). Specifically, there is no 30, 60, 90, 120, time line that led up to my account going into 'collection. '' The balance is incorrect. Equifax is violating the FCRA, FDCPA, and METRO 2 compliance laws. Please help me with these federal law violations.
Consumer complaint received 2020-06-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CITIBANK, N.A. (NV)

First incident ( during XXXX - XXXX ) : While on an XXXX XXXX XXXX overseas, during which my rights under the Servicemembers Civil Relief Act ( SCRA ), Citibank garnished my wages for a credit card debt that was under dispute. I wrote to my chain of command who referred me to Citibank. I then wrote to Citibank who referred me to my chain of command. The issue was never resolved ; Citibank effectively got away with violating my rights under the SCRA! As proof, Ive submitted the following documents : 1.  A copy of my XXXX effective XX/XX/XXXX. 
NOTE : I was XXXX from XX/XX/XXXX to XX/XX/XXXX. My wages were garnished in late XXXX ( sometime between XX/XX/XXXX and XX/XX/XXXX ). 
2. Copy of correspondence received from Citi in which they acknowledge receipt of the dispute we sent via certified mail on XX/XX/XXXX. No additional response was received regarding this matter. It should be noted that Citi improperly classified the {$29.00} recurring charge as Purchases and Advances when these were, in fact, Fees. 
3. Screen shots of collection-related charges posted to my account by Citi while I was XXXX XXXX XXXX, XXXX {$80.00} for SALARY OFFSET ENROLL FEE XXXX XXXX, XXXX {$29.00} for LATE PAYMENT FEE XXXX XXXX {$29.00} for LATE PAYMENT FEE XXXX XXXX, XXXX {$29.00} for LATE PAYMENT FEE In total, Citi availed themselves of approximately {$800.00} of garnished wages while I was XXXX! 
New incident ( in XXXX amidst the pandemic ) : Unfortunately, the XXXX XXXX has a relationship with Citi. As such, soldiers are forced to get a Citi credit card for government expenses. I had to, again, get a Citi card - despite not wanting to - to pay for expenses related to a permanent XXXX XXXX XXXX ( XXXX ) move, which took place between XXXX and XXXX of XXXX. Despite having submitted all the necessary paperwork, my XXXX  failed to pay Citi. So they Citi began harassing me. I recently retired ( in XX/XX/XXXX ) and am now living on a fixed income. I paid the total amount due to Citi in monthly installments. I sent the last payment to Citi in XX/XX/XXXX. 
In XX/XX/XXXX Citi inexplicably sent notice that I owe {$100.00} and provided no justification for the new charges. I immediately sent a certified letter in which I indicated that I was disputing the debt. In fact, I am again sending a certified letter today, XX/XX/XXXX, to reaffirm that this debt is in dispute. Citi is threatening to garnish my retirement wages to satisfy this unsubstantiated debt. I believe Citi is emboldened to violate my rights again because they have already gotten away with doing so in the past. 
Citi should be held accountable for violating my rights. I believe I am owed the money they garnished from my wages in XXXX even though I was protected under the SCRA. Further, Citi should correct their records and clear the latest alleged debt that I am confident I do NOT owe!
Consumer complaint received 2020-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (TX)

On XX/XX/20 I send {$1000.00} to XXXX and my family member couldnt get it out because she has the wrong XXXX and couldnt find it.. and later they said that the money is here but we are having problems getting it out And it wont let us.. come back tomorrow ... she went again next day and still couldnt get it out.Then when I went to the place where I send it they told me that the money is no longer there ... that someone got the money out ... and it wasnt my family member ... They told me to contact costumer service
Consumer complaint received 2020-06-23
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: DISCOVER BANK (TX)

I am a Discover credit card customer. Unknown person made unauthorized credit card purchase of {$470.00} in XXXX XXXX XXXX in XXXX XXXX XXXX, XXXX, TX with my Discover credit card ending XXXX at XXXX on XX/XX/XXXX. I was at home and the credit card was in my possession when the unauthorized purchase was made in XXXX. I reported the incident to the Discover Bank and the bank agent suggests me to file a police report to help with the credit card fraud incident investigation. I followed their suggestion and filed a police report to XXXX XXXX police with the case # XXXX in XX/XX/XXXX and I sent all the police information to them. I called them several times and the agents kept telling me they were still in the investigation process. I called them again today and they told me that they declined my request for the refund of the unauthorized charge of {$470.00} since they couldn't get in touch with the police. I can not accept their decision because they didn't provide me with reasonable evidence to show I was responsible for the unauthorized charge. It is the violation of the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ).
Consumer complaint received 2021-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP. (LA)

I lost my job in XX/XX/2020 after working there for 6 years, business slowed due to the Covid Pandemic. I started to get behind on my mortgage, I called them repeatedly to try and catch up on my mortgage I eventually got {$8000.00} behind I called and told them I can pay {$7000.00} and try and get the other {$1000.00} within the next month but the refused to take payment unless it was the whole {$8000.00} payment. I only owed XXXX on the house and my land and it appraised for XXXX I had a potential buyer when I learned that XXXX mortgage went behind my back and bought it from XXXX sheriffs office for only {$50000.00}. My kids and myself our now trying to make rent bc I spent all my money trying to sell my home because I had so much equity in the house. I cant take much more as a single dad with no financial help, I work 7 days a week for {$9.00} an hour. Im so stressed that I almost wish XXXX would just take me I Cant hold on much longer Im beyond stressed that me a XXXX year old man cant fully support my babies Id getting to the point Id rather be XXXX. I dont know who to ask or what to do for help.
Consumer complaint received 2020-11-02
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (CA)

Great company no complaints aside from that listed herein which I chalk to a miscommunication and one off it happens Account minimums reset to XXXX durinf family tradgedy so I was informed multiple times by several different reps as you can see I have been a model customers for 8 years this occurred in 2015 no issues prior to or ever since I was advised to allow 30 days for correction and only recently found that this was not rectified I have never been 30 days late on anything in my life and I know what I was advised repeatedly XXXX and XX/XX/2015 were supposed to be reset to {$0.00} if we can not resolve amicably which I hope we can because I love XXXX XXXX with you and have zero issues otherwise please forward me your arbitrators points of contact Thank you very much for your time and attention with regards to this important concern for me
Consumer complaint received 2019-12-10
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: BARCLAYS BANK DELAWARE (FL)

1. I was charged {$1000.00} to XXXX XXXX which I did not authorize! to my Barclaycard. I did report it. Which brings me to the facts of some suspicious operations with Barclays. 
On the day I tried to call in customer service to deny authorization of that charge, there was no customer service up and running. I believe their computer system was down. I don't know really why and no attempt was made to notify customers before, during or after this incident which I find very suspicious. I did close that account. 

2. I had noticed for the duration I had this card that IT TOOK 4 TO 5  DAYS TO POST CHARGES AND THEN IF I MADE A PAYMENT IT TOOK 4 TO 5 DAYS TO CREDIT THE ACCOUNT WITH MY PAYMENT WHICH WAS DONE ONLINE RIGHT FROM MY BANK ACCOUNT and therefore this is my complaint : 1. Fraud 2. poor banking accounting done in a timely manner and customer service done by remote agents all over the world which should be banned.
Consumer complaint received 2020-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

XXXX and Transunion are not researching and properly reporting that the following accounts are in fact in dispute. XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes so the bureaus will investigate my complaint. ) The  collection account listed is reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and put in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute.
Consumer complaint received 2023-02-09
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. (AL)

In accordance with the Fair Credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Accounts : XXXX. XXXX  XXXX : XXXX XXXX XXXX. XXXX  XXXX : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 relation 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 2020-11-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc. (CA)

On XX/XX/XXXX I received a call and letter from a company called Optimum Outcomes from XXXX, North Carolina. In this call and letter they maintained that I was delinquent on a debt for {$380.00} to XXXX XXXX XXXX XXXX XXXX XXXX. I asked that they document this debt. In the response that followed they referenced a bill that I paid in XX/XX/XXXX for {$470.00} including the {$380.00} that they claimed was delinquent. ( attached ) After sending a letter with this proof of payment and a request to clear this from their records, they sent a follow up letter whereby they neither confirmed nor denied that the debt had been paid. They are now calling me again for the same {$380.00} that they claim is due. XXXX is showing a XXXX balance due for my account and acknowledges that the amount has been paid, which shows either that XXXX sent the bill in bad faith to a collection agency after it was paid or that these people know the bill is paid and don't care.
Consumer complaint received 2020-11-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

For the third year in a row, my mortgage company, Loancare, is trying to forceplace me into an unnecessary insurance policy. ( see attached letter from loancare ) They have been sued in the past for illegally forceplacing unsuspecting consumers into unnecessary, high cost insurance plans and then taking kickbacks in return. ( see attached documentation on lawsuit ) My homeowner 's association sent them a copy of the updated master insurance policy ( see attached ) which is more than sufficient coverage for a 2 bedroom condo. 

I also faxed them copies of this on XX/XX/2020 ( see attached ) and mailed them copies ( see attached proof that they received the documents on XX/XX/2020 ) and uploaded the information to their website on XX/XX/2020. 

Still, I have yet to receive a response from them. It seems they do this every year and I'm not sure how they are still allowed to operate this way. ( As an aside, I did not choose Loancare to handle my mortgage. Based on the terrible reviews I have seen all over the internet, I would never choose such a company-my loan was, to my horror, sold to them after I purchased my condo. )
Consumer complaint received 2022-11-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I had several fruadulent charges on my paypal account. Paypal has not correctly resolved my disputes and are in the act of making me pay for charges that were all unauthorized. I have had to re open XXXX recent disputes due to the charge back from paypal. I believe paypal is purposely taking there time and bullying me into not being able to use my account. The following charges I have investigated myself and are fraudulent and paypal is still investigating the charges. 

XXXX {$38.00} USD Unauthorized transactionXXXX XXXX, XXXX XXXX {$6.00} USD Unauthorized transactionXXXX XXXX XXXX  XXXX {$21.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$6.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$23.00} USD Unauthorized transactionXXXX XXXX, XXXX XXXX {$33.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$25.00} USD Unauthorized transactionXXXX XXXX XXXX XXXX {$240.00} USD Unauthorized transactionXXXX XXXX XXXX  XXXX {$68.00} USD Unauthorized transactionXXXX XXXXXXXX, XXXX XXXXXXXX {$14.00} USD Unauthorized transactionXXXX XXXX XXXX
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

THESE COLLECTION/CHARGE-OFF ACCOUNTS ARE IN VIOLATION AND NEEDS TO BE REMOVED IMMEDIATELY BECAUSE THERE ARE LATE PAYMENTS AFTER ACCOUNT WAS CLOSED. 
COLLECTION IS CLOSED-ENDED ACCOUNT AND CAN NOT HAVE LATE PAYMENTS. THESE ACCOUNTS SHOULDN'T BE REPORTING OPEN, NO LIMITS, NO PAST DUE AND NO PAYMENT STATUS. WHEN IN VIOLATION SHOULD BE REMOVED IMMEDIATELY!!!! INACCURATE REPORTING ON DATE OF LAST PAYMENT, DATE LAST ACTIVE 1.XXXX XXXX 2. XXXX 3. ORIGINAL CREDITOR WHICH IS A VIOLATION OF THE HIPAA LAW
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Applied Data Finance, LLC (NC)

I opened the account in XX/XX/2019. I never missed a payment as they withdrew from my checking account. I paid the account in full on XXXX XXXX. As of XXXX XXXX the account still states I owe {$970.00}. Personify has not reported accurately ( every 30 days ) according to XXXX. I have disputed this through XXXX  3 times and I am still getting the same results. In the process of disputing with XXXX, I also contacted Personify on several occasions ( speaking with management ) asking why this has not yet been reported. They explain that the information has been submitted to XXXX  correctly and in a timely manner. Personify also stated I need to contact Transunion as they are not reporting correctly. As of XXXX XXXX I contacted both companies to see if any changes have been made. The results are still the same. Still showing I owe {$970.00}. I only received a loan for {$1000.00}. The difference is {$78.00}. So when other creditors look at my credit report, it shows I have only paid {$78.00} since XXXX of XXXX. That is 8 months ago. I have exhausted all my options. I have contacted XXXX  filed 3 disputes, I have contacted Personify Financial to many times to count and still the same results. I value good credit and pay my bills on time. This is very stressful knowing its paid on time, paid in full way in advance and hoping to raise credit score. As a consumer, I should not have to go this extreme when I agreed to my obligations and kept my obligation!! I bet if I would have ever been late or not paid I bet that would have been reported!! Thank you, please help this is my last resort!!!
Consumer complaint received 2022-08-20
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. (TX)

On XX/XX/2022 I disputed by mail the fairness and accuracy of equifaxs reporting of several items on my consumer report. In Equifaxs response dates XX/XX/2022 they claimed to have conducted an investigation and said the items were verified and would remain on my report. On XX/XX/2022, I requested by mail or equifax to provide there method of verification for each item ; I requested that equifax provide the XXXX form with my wet-ink signature, a necessary form requisite by way of written permission to utilize property of the social security administration ; and I requested that equifax provide me with proof of my written consent to consumer reporting with equifax which would also require a SSA-89 form. Equifax never responded to such requests or the CFPB Complaint ID XXXX regarding these requests. Equifax only opened another dispute for the items on XX/XX/2022 instead of providing the proof I requested from them that reporting these accounts is fair and accurate. 
On XX/XX/2022, I received confirmation via the CFPB ( complaint ID XXXX ) that Equifax was in receipt of 1. ) appropriate proof of the identity of the consumer ( me ) ; 2. ) a copy of an identity theft report filled out by me ; 3. ) the identification of the information reporting as a result of identity theft both in my identity theft report as well is in my statement ; 4. ) my statement by me, the consumer, that the information is not relating to any transaction by me, the consumer. All this information was provided in accordance with 15 U.S. Code 1681c-2 - Block of information resulting from identity theft. 15 U.S. Code 1681c-2 ( a ) BLOCK states Except as otherwise provided in this section, aconsumer reporting agencyshall block the reporting of any information in thefileof aconsumerthat theconsumeridentifies as information that resulted from an allegedidentity theft, not later than 4 business days after the date of receipt by such agency of - the above referenced information I received confirmation Equifax is in receipt of. As of XXXX, XX/XX/2022 it has been 5 business days since Equifax has been in receipt of the four requirements of this section of the FCRA and Equifax has not blocked and removed the items. Equifax has still not provided the SSA-89 form for proof of consent of Equifax reporting of my information nor the SSA-89 forms for proof of consent for each alleged creditor furnishing my information.