davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NRA Group, LLC (PA)

After reviewing the credit report, the National RecoveryXXXX XXXX Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX The Center has a series of derogatory remarks on the credit profile. While receiving treatment, the staff was aware of financial hardship. Documents/Assistance was requested, however, staff failed to comply with information. As time progresses a continuation of treatment, the company insists no assistance is available. According to XXXX, if a patient not insured the institution by right give information for assistance.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am contacting you regarding the urgent matter of fraudulent information associated with my identity. Unauthorized accounts and transactions have been falsely linked to me, causing significant distress. As a victim of identity theft, I have already reported this incident to the relevant authorities. 

This situation has severely impacted my financial standing and personal reputation. I request your immediate assistance in removing all fraudulent data from my credit report and conducting a comprehensive investigation into this matter. I stand ready to provide any necessary evidence to support my claim.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Ive noticed some unfamiliar items on my credit report that suggest my identity may have been stolen, as I did not authorize these accounts. Ive raised this issue before, and Im now requesting that these accounts be removed from my report promptly. Their presence is causing me significant stress and does not reflect my true credit history or financial behavior, making it difficult to cope. If we can not resolve this, I am prepared to take legal action to protect my rights and find a solution. These inaccuracies are a serious issue for me, as they hinder my ability to achieve important financial goals, such as buying a home and supporting my family. I hope we can address this issue soon.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: KEYCORP (CO)

On XX/XX/XXXX, XXXX mortgage payments came out of my account instead of XXXX. Our billing account went negative as a result. I immediately reached out to Key Bank Mortgage customer service to have the second payment reversed. My family and I are on a strict budget and we can not afford to make an extra payment. The customer service rep put in a request for a reversal of the duplicate payment. She assured me that the request was processing and would be resolved in 2 days at the fastest. Meanwhile I accrue an overdraft charge on the XXXX and XXXX of XXXX. Growing concerned and anxious by the day, I check the mortgage and it looks like the duplicate payment, instead of being reversed, was applied as a partial payment. I reached out to a mortgage rep again only to find out my request for the return of the double payment had been rejected. I received no notice and no update that this had occurred. I had the agent put in ANOTHER request to return the double payment. In the mean time, my bills are in jeopardy and I keep accruing overdraft charges. I can't understand why I have to jump through that many hoops to get an obvious double payment back. I would like my fund returned immediately per request and the process should be simple for all consumers.
Consumer complaint received 2020-04-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC (MN)

On XX/XX/2020 my lender checked my credit ( since I am the middle of my last phase of the closing today!!! But I was rejecting due to an a collection in my credit .This account was paid to my provider XXXX  XXXX on XX/XX/2020. 

I tough was a mistake since I never recieved any notification, I called no complaint officer the manager she cant remove it. But when I ask about the days of report clearly the days doesnt much they never gave me the 30 days notice to either dispute o paid the account was place ( under the superviser statement on XX/XX/2020 they " gave me '' a 45 days before they report in my credit but my credit show otherwise less of 30 days. 

That is completely a violation I paid directly to XXXX XXXX attach proof of the last statement
Consumer complaint received 2018-09-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (WV)

I'M not sure on the date. But I order out of the catalog I got in the mail. I bought five bed spread, a bed skirt, pillow shams and a set of towels. And I returned it all back to the company. And the amount XXXX. And they never took it off my account. And I told them to fix it and I would pay my balance. And never would fix it
Consumer complaint received 2018-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

This company is reporting a negative debt against my credit report that I believe does not belong to me and has refused to delete it. This company is in violation of several consumer rights under the Fair Credit Reporting Act. According to the Fair Credit Reporting Act I am entitled to notices concerning the reporting, handling and usage of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. They are in violation of two different consumer credit rights.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I looked at my ( XXXXXXXX/equifax report on XX/XX/2024 and noticed some things are incomplete and not accurate. I have one late payment reporting 30days late on my report that was in fact paid on time. The consumer reporting agencies must report all information with complete accuracy. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX which reported a 30 day late payment inXXXX. They have violated my rights. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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. If this information can not be verified I demand this payment to be updated I am now requesting that you investigate this account and update these payments to paid on time. Thank you for understanding and prompt action. I have never missed a payment or been late.
Consumer complaint received 2018-09-25
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. (NV)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature.

I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report.

So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please update my information to it correct, and obtain either, verbal or hand written verification directly from a person at that.

Please delete/remove the following accounts 1.XXXX   XXXX  2.XXXX XXXX  3.XXXX XXXX XXXX 4.XXXX  XXXX   5.XXXX XXXX XXXX 6.XXXX XXXX I have no idea where these accounts are from I was a victim of ID Theft. I am not sure if they are still using my name or not.
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

Inaccurate Names : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX, XXXX, DE Inaccurtae Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

I have been disputing this account for XXXX regarding the repeated charge-off that appears on my account each month. I have asked them to validate the debt by sending me a purchase agreement, assignment contract, or something displaying my wet signature showing that this alleged debt is mine. 
Debt Validation Request under 15 U.S.C. 1692g ( FDCPA ) Verification Request : Pursuant to my rights under 15 U.S.C. 1692g, I am requesting that you provide the following information : 1. The Amount of the Debt : A detailed accounting of the debt, including the principal, interest, fees, and any other charges that have been applied. 
2. The Name of the Creditor to Whom the Debt is Currently Owed : Including the name and address of the original creditor if different from the current creditor.

3. Verification of the Debt : A copy of the judgment ( if applicable ) or other documents showing that I am indeed legally obligated to pay this debt.

4. Proof of Your Legal Right to Collect the Debt : Documentation that you are authorized to collect this debt on behalf of the creditor. 
5. Complete Payment History : Showing how the amount claimed was calculated and all transactions related to the debt.

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), information furnished to consumer reporting agencies must be accurate and complete. A charge-off should not be reported each month as a new charge-off ; instead, the status should reflect the original charge-off date and not be reported repeatedly as if it were a new event. 
This by this action being taking each month it affects my credit score, credit report, and credit worthiness.
Consumer complaint received 2020-09-24
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (AR)

MY WIFE OWNED PROPERTY AND MORTGAGE AT NATIONSTAR XXXX, DUR.ING WITH TIME SHE HAD A H.A.M.P. MODIFICATION AND HAD TO PAY FEES TRU XXXX XXXX OR XXXX. THEY WITHDREWW ALL MONIES FOR {$18000.00} WITH OUT MY PERMISSION, THESE FUNDS WERE EXEMPT AND DEMANDING BACK ENTIRE AMT.
Consumer complaint received 2018-09-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (ID)

XXXX XXXX XXXX " located on XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX WA XXXX '' alter the documents and forge it in order to get money from victims like me, they bought rental contract from " XXXX XXXX XXXX '' for place which I already left on mid of XX/XX/XXXX after I left early notice of leave, and trying falsely claim about {$9000.00} for many items include carpet replacement, early termination fees etc. this place I left on XX/XX/XXXX and they sated falsely I was evicted on XX/XX/XXXX. they forge the contract and removed name and sign of responsible party in contract which is one who was responsible for contract. This company should subject to Federal investigation due to forgery practice.
Consumer complaint received 2020-04-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (IN)

I have tried calling the credit card company after multiple attempts made to login to my account to make my monthly payment with no luck. I usually make my payment around the XXXX of each month and only message I get when trying to login is : We're sorry. Citi.com is temporarily unavailable. 
Citi.com and Citibank Online are currently unavailable. If you need immediate assistance, please call XXXX ( TDD/TYY : XXXX ). We apologize for any inconvenience and appreciate your patience. 
When calling the number the automatic system transfers you to the credit card area and when you ask for customer service it eventually tells you due to high call volume please try again later which still has gotten me no where. I would like to pay my bill for last month I never miss a payment and here we are they are probably charging me a late fee for their errors.
Consumer complaint received 2020-09-16
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. (VA)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2019-08-04
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: SUNTRUST BANKS, INC. (SC)

XX/XX/XXXX - current  XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXXXXXXX/XX/XXXXXXXX  XX/XX/XXXXXXXX  XX/XX/XXXXAll XXXX XXXX  And XXXX XXXX XXXX. A lot of transactions were intercepted and picked up by unauthorised recipients or deposited into unauthorised accounts. The transaction listed above had MTCN numbers however payment wouldn't process or delayed cancelled without my knowledge.  The app on XXXX since XX/XX/XXXXhas had major issues and technical issues.  I have multiple people utilising my merchant accounts.
Consumer complaint received 2020-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN ENTRY IDENTIFIED AS U.S. BANKRUPTCY CHAPTER XXXX  THAT IS REPORTING ON MY CREDIT FILE. THIS  INFORMATION IS INACCURATE AND SHOULD BE DELETED FROM CREDIT REPORT IMMEDIATELY. I WOULD REALLY APPRECIATE YOUR ASSISTANCE IN RESOLVING THIS MATTER BECAUSE IT IS CAUSING A GREAT DEED OF HARDSHIP ON MY CREDIT.
Consumer complaint received 2018-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I was called in XX/XX/XXXX by XXXX  XXXX XXXX that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. 
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XXXX XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. 
When I found the car gone I immediately called XXXX XXXX as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. 
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. 
Immediately after getting my car I started the complaint process with XXXX about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. 
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. 
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. 
I was promised by XXXX in XX/XX/XXXX that all the reporting would be corrected.
Consumer complaint received 2019-01-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/2018 my controller was hacked by a party from XXXX that opened an account in my businesses name, XXXX XXXX XXXX in a Wells Fargo account.. As a result my refiner wired XXXX US dollars into that account. When we realized there was a problem Wells Fargo did a pull back on the wire and was able to get XXXX back leaving us short XXXX that had been transferred out of the account and was unavailable for refund. 

Wells Fargo opened an account in my business without doing any due diligence, let a large sum of money to be wired into an account off shore with no due diligence. 

Wells Fargo was absolutely no help with any of my questions and told me the only way to get the XXXX back was to take them to court.
Consumer complaint received 2019-08-04
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. (PA)

Equifax credit bureau is possibly reporting incorrect information being reflected on my credit file/ credit report in regard to my personal credit score. XXXX XXXX reported on XX/XX/2019 that I opened a credit card account, which increased my credit score on both XXXX by 23 points & XXXX bureau credit report by 15 points, however the same reported account with Equifax decreased my account credit score by 35 points. This is unfair because the account is not derogatory it is exactly the same as reported for the other credit bureaus. This XXXX XXXX card is designed to build credit with credit bureaus. I have proof of the changes reflected by all 3 credit bureaus however it will not allow me to attach to this complaint.
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (TX)

There are actually several things that occurred with my situation. I received a debt collection letter from Innovative Recovery , Inc a few days ago stating this is an attempt to collect a debt and that I had 30 days to dispute the validity or any portion. The first issue is that I believe I only received this letter after I disputed the debt on my credit report thru XXXX XXXX. I first started seeing Innovative Recovery on my credit report on XX/XX/2020 and they submitted the debt daily on my credit report but I had never received a letter from them stating the debt had been sent to them for collection. So that was the first issue, how do you start reporting me to the credit bureau prior to contacting me? No letter, no phone calls nothing. So I was surprised to see it show on my credit report. Then that they had it hit my credit daily from XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, the XXXX again, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX which is around the time I filed a dispute with XXXX. So then when I looked at my last statement from XXXX XXXX, the Creditor, my statement was for {$71.00} but the letter from Innovative Recovery shows I owe {$96.00}. So that's another issue. Did I get charged a late fee by the creditor on a move out statement? Well I called Innovative Recovery today and spoke to XXXX. She advised that they have sent letters prior to the current one and they attempted to call me but no response. I advised XXXX that was incorrect because I have never received a letter until a few days ago but then I asked her about the amount due. I advised XXXX that my last statement from the creditor was for {$71.00} but my debt letter was showing {$96.00} owed so where did the additional fee come from. XXXX advised that her company tacked on a {$25.00} fee for their services. Is that legal? I do owe the {$71.00} and I am willing to pay it but I wish the creditor had reached out to remind me of what I owed prior to going to the debt collector who then went straight to sending hits to my credit prior to contacting me then adding their fee to what I owe. Please let me know if I am required to pay the {$25.00} fee added by the debt collector. I feel like they are doing shady practices and it's affecting my credit in the process.