davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-01-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: REGIONS FINANCIAL CORPORATION (AZ)

In XX/XX/2021 we applied and were approved for a loan at enerbank on what was called a 12 month same as cash loan. Our idea was to pay monthly and when the prior to the 12 months, pay it off. This company never sent us statements either by mail or email so we just kept paying it monthly. We were ready to pay it off and I called to see what the payoff amount was and lo and behold, the 12 month same as cash expired. we did not get a letter advising us it was about to expire like MOST companies do. I talked to a representative and he told me the balance was {$6800.00} and " can you pay this today ''. I said i could but then he told me he would have a supervisor call. I never heard from a supervisor yet they said they called on XXXX XXXX. The did NOT call me and I show no record of them attempting to call. I then called back to see if the offer of paying the balance of {$6800.00} would be still offered and they said no. Please believe me when I say that I have never gotten a bill nor did we get a notification that the 12 month same as cash offer was to expire. I believe this is bad practice and this company is not acting in good faith. I would like to also mention, when calling them, you must wait at leaset 60 minutes to talk to someone. I think this comapny is a scam.
Consumer complaint received 2024-10-18
Product: Credit 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 (TX)

XX/XX/2024 : XXXX XXXX sent a text message at XXXX XXXX saying there was purchase of a filter for {$47.00}. XXXX : Went to the XXXX XXXX website and tried to cancel as I had not made a purchase nor had put my card on file with them. Removed a stored AMEX credit card that was never allowed by me, especially since I had no subscriptions. Cancellation not allowed for filter. XXXX : XXXX contacted XXXX XXXX customer service chat. Confirmed there was no subscriptions but said I made purchase at that time. Then told it would be canceled. 


XX/XX/2024 : Submitted dispute to Amex stating card had been used fraudulently and asked for refund. Sent attachments of images texts from XX/XX/2024 XXXX XXXX Customer service chat stating that it would be cancelled. 

Amex declined my refund despite never allowing this charge nor use of my card. This is in violation of my agreement.
Consumer complaint received 2022-09-28
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

I receive notice of foreclosure on my deceased Uncle 's estate. I am an heir to the estate but it has not been probated yet. The estate has made numerous attempts to pay the mortgage and I have personally called the Bank and the banks attorney but they refuse to talk to me until we have gone to probate court. 
The bank is XXXX XXXX XXXX XXXX XXXX their phone # is XXXX. The bank 's attorney is XXXX, XXXX, XXXX, XXXX and partners XXXX phone # XXXX. 
My uncle is XXXX XXXX XXXX. We have tried to settle the mortgage but can't. I do not understand why we can not settle this without going into foreclosure. 
Thank you for any help in this matter. XXXX XXXX
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (PA)

I am a Citibank credit card customer since XXXX. I have 2 Citibank cards, a better balance and diamond preferred. I use the better balance card for day to day purchases and pay the balance in full every month. I only use the diamond preferred card if Citi gives me a special offer, i.e., balance transfers/purchases for 12 months at 0 % interest. Right now the balance on that card is {$0.00} and I have a credit limit of {$7600.00}. I mention all of this because yesterday I applied for an additional Citicard, called Citi Simplicity. They denied my application because they say I have too many inquiries. To me, that's like saying " you have too much credit and we can't give you anymore ''. It is true that in the past 30 days, I've applied for 4 credit cards. One was a gas card that I immediately closed when I received the card and reviewed the XXXX  that were different that when I applied. The other 3 were in anticipation of my having XXXX XXXXXXXX that would cost about {$3800.00} out of pocket ( Medicare won't pay for that portion ), and all these credit cards have 0 % interest for 12 months, with some other special programs, i.e., {$300.00} statement credit if you spend {$1500.00} in the first 3 months, or XXXX points ( {$150.00} ) if you spend {$150.00} in the first 3 months. But the Citi Simplicity card is offering 0 % interest on purchases for 12 month, or balance transfers for 21 months. So, of course I wanted a card that would give me more time to pay off XXXX  XXXX. And lastly, I have a XXXX score of XXXX ( see attached ), and have had credits cards since XXXX.
Consumer complaint received 2022-09-28
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. (NY)

My name is 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.
Consumer complaint received 2022-10-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company (LA)

The mortgage was paid in full on XX/XX/XXXX. It is still showing incorrectly on all 3 credit reports. The account is closed but its still showing open with a balance which is impacting my score negatively.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 XXXX there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 3. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 4. The account status is unverified and incomplete DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 5. The following status is Incorrect and unverifiable DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 6. there is some inaccurate information reporting. 
DEPTEDXXXX Account Number : XXXX Please remove this inaccurate student loan from my report 7. there is some inaccurate information reporting. 
DEPTEDXXXX  Account Number : XXXX Please remove this inaccurate student loan from my report 8. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 
XXXX XXXX Balanced Owed : {$0.00}
Consumer complaint received 2022-12-29
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: Specialized Loan Servicing Holdings LLC (CA)

I have disputed this XXXX XXXX  XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. SPECIALIZED LOAN SER XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Consumer complaint received 2022-09-28
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: Total Card, Inc. (FL)

XXXX XXXX sent an email to me today that they have raised my credit limit, but still have not credited the fraudulent charges from XX/XX/2022 forward. I don't want more credit with them. I want the fraudulent charges from XXXX XXXX reversed, the doubled internal charges manipulated credited, and when that is completed, I will end my business with XXXX. Thank you, XXXX XXXX
Consumer complaint received 2022-07-15
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. (NV)

Upon checking my credit report, I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX XXXX ). All 3 credit bureaus have a different account number, account type as well original balance. I have tried disputing it with the credit bureaus but have been unsuccessful. I have attached such documents showing the inconsistencies from all 3 bureaus.
Consumer complaint received 2022-09-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flatonia Investments, LLC (GA)

On XX/XX/XXXX I received a second letter from Envoy Mortgage LTD. Reminding me that the alleged debt attached to current loan number XXXX was being transferred to XXXX XXXX with a new loan number of XXXX. I had received this letter previously and requested a validation of debt from XXXX XXXX and ceased all payments until this could be resolved. My confusion in this is my letter states that I must make payments to XXXX XXXX, but all correspondence must remain with Envoy Mortgage. If my Mortgage has truly been transferred to XXXX XXXX, then all services should be through XXXX XXXX and Envoy Mortgage LTD must cease all contact. 


p.s The letter was sent on legal paper, and too big for my printer to scan. I have included the cut off sections from pages 1 and 4.
Consumer complaint received 2023-01-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a Bankruptcy report on my credit report. I'm reaching out for assistance to REMOVE these Bankruptcy report from my credit report immediately. 

I don't have an idea about that report. The BANKRUPTCY don't belong to me.
Consumer complaint received 2022-09-21
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: ONLINE Information Services, Inc. (AR)

On Monday XX/XX/2022 Online Info Services Called my Phone requesting to verify personal information such as First and Last name, address and Social Security. I have never done business with Online Information Services for them to ask such questions. I believe they were a third party debt collector facilitating a debt for another 's behalf. I called the company to resolve the matter but the company insisted they send me a dispute packet due to their company policy. When I asked them if they where FCRA compliant the company responded the packet would need to be filled out and returned with a identity theft police report before they could open a dispute. In many ways I believe my consumer rights, protected by Federal Law has been violated. I have attached a FTC Identity Theft Report number ( XXXX ) along with a debt validation letter.
Consumer complaint received 2022-09-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc. (NC)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you. I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2022-05-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CA)

I was recently alerted to a credit collection company on my credit report XXXX XXXX XXXX XXXX is Wakefield and Associates. 

Since we never received anything from the originator, XXXX XXXX, we were not aware of this invoice. 

On XX/XX/2022 at XXXX, I called XXXX XXXX and was told that the address their bill went to was a street on XXXX XXXX this is an incorrect past address from over 20 years ago. 

I asked where they obtained their information the answer was from the hospital I find this to be suspicious since the hospital has my drivers license and billing information with the correct address. 

I was then told that one call was made to my number from XXXX XXXX and a message was left. 

A call should have been made to the originating hospital to verify my address since I receive all my other bills from the hospital. 

I asked, why didnt you call the hospital to verify my address. I was told, because we have thousands of bad addresses. 

Therefore, since I am not at fault for them not having the correct information, I request to have this charge removed.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (TX)

As I am a U.S. Citizen, a natural person and I am a human being and I have a right under US 15 1681. 

Equifax is governed by US 15 1681 and the violated my rights numerous times. I demand that the accounts listed below be removed because According to US 15 1681, I have a right to privacy and I did not give Equifax written permission to furnish these accounts : 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Account # : XXXX 2. XXXXXXXX XXXX XXXXXXXX XXXX  - Account # XXXX XXXX XXXX
Consumer complaint received 2022-09-28
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 — Problem with personal statement of dispute
Company: CITIBANK, N.A. (NC)

Over the course of several months I've been trying to dispute the practices being used by CitiBank on an account that was closed years ago. I have submitted several disputes through this forum, Citi in response has begun to manipulate my credit by adding charges and negative remarks on my credit which is resulting in a significant drop in all burea scores, even though the status of the account, the amount borrowed, etc has not changed in 3 years. Citi continues to lie and state that its sending correspondence by mail to my home, which they are not. I did receive an email from the company a week ago, and I responded showing them the credit score drop was attributed solely to their negative reporting on my account. When are you going to hold them accountable for this credit hit against a consumer? They were offered a payment plan before the account was closed which they refused. Since the account was charged off, there has been no activity on the original charge account, and yet the reporting from the company on that account continues to change year after year affecting and manipulating my credit scores. It needs to stop.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX - XXXX
Consumer complaint received 2022-09-27
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. (CA)

I'm filing this complaint against XXXX XXXX XXXX and all the credit reporting agencies because they are reporting inaccurate account status on the credit report. The account is for a 2021 XXXX XXXX XXXX and I got this vehicle last year. I noticed a delinquency remark on the credit report and I contact them because my payments go through thoroughly always and I have a flawless credit report. XXXX continues to report a delinquency to the credit report and the credit reporting agencies continue to be in a bias state that they do not accept dispute. I'm disputing the delinquency that was stated for earlier this year. I contacted XXXX and informed them that I always make my payment on time and they need to rectify their records and report accurate information. XXXX claims that they never received a payment. I have made my payment as I said always. XXXX claims that I am requesting a courtesy delinquency removal and they will not do it because they are protecting their brand. I do not care about their brand, all I care about is that they report my information accurately because I have never been delinquent in any of my payments. I always make my payment on time. If their systems did not process the payments quickly its not my problem, it is their problem and they need to solve their own issues internally not make falsified claims. I am not delinquent on my payments and I'm always on time with my payments. I tried to contact XXXX before making this report with the CFPB to have my issue resolved however, they continue with their claim that they are protecting a brand royalty which is still unclear thus far. Their brand royalty is not my problem but they better fix this delinquency report they falsely claimed because it affects my position as an investor and as a consumer.