davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc (TX)

Plusfour has been reporting on my credit a debt that was paid by insurance. I contacted the original creditor XXXX XXXX XXXX who advised me there is absolutely no amount owed on this debt. Ive requested they remove it or provide validation that it is still owed and have no received anything. I have a security clearance with the XXXX XXXX that this debt is affecting.
Consumer complaint received 2020-01-31
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MD)

I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
Consumer complaint received 2020-01-31
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. (MO)

My identity has been compromised and the aftermath of this is the following unauthorized accounts inwhich is reporting on my credit file needs to be blocked and removed immediately unless the major reporting credit bureaus could provide me with physical documentation, id and signature of mines in relations to this unauthorized fraudulent accounts. Please remove the following accounts. 

1 ) XXXX/ XXXX XXXX 2 ) US Dept of Education {$3100.00} 3 ) US Dept of Education   {$1700.00} 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX
Consumer complaint received 2019-03-08
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO. (CO)

I am in the process of paying off my 15-year mortgage ; i.e., making the final payoff. There have been complications, and I asked for a full accounting, in writing, of what is due, They agreed and also said the payoff date would be XX/XX/XXXX, which would give me time to review the paperwork. This was on XX/XX/XXXX. But then they kept calling me after that as if the arrangements had not been made. They called twice on XX/XX/XXXX, once on XX/XX/XXXX, and twice today, XX/XX/XXXX. I told them I considered it harassment and that I was awaiting a very important medical call.
Consumer complaint received 2020-01-31
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. (CA)

Around XX/XX/2019, I contacted XXXX  XXXX XXXX as well as XXXX  to remove the old accounts that XXXX XXXX, XXXX, and XXXX XXXX XXXX is claiming that my info is still valid. All these accounts were opened more than 7-10 years  ago and they should have been removed from the time they were first opened. XXXX, XXXX, and Equifax must remove old accounts that have run their legal statute of limitations and they can not keep this derogatory information on my credit report forever and damage my credit score! I can not move forward with my life and get new credit because of their false and detrimental reporting. Please help me in removing these old accounts, please.
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (MS)

I went to my chime app on XX/XX/2024 to check my account but it wouldn't let me log in and the message appeared saying that my account had been closed and it gave me a number to call if I thought it was by mistake so I called them. I spoke to the first person and I told them the issue that I tried to log in to my account but it was saying my account was closed. So the pulled up my account and explained that it had something to do with loading money on my account but I had roughly {$50.00} on my checking account. I asked them if there was a way to open my account back up and they told me no because it was against their privacy policy. So I asked them if there was any information I could give them to prove it was me so they could open my account back up but once again they said they couldn't say anything or tell me anything because it was against privacy policy. I preceeded to ask to speak to their supervisor but at first they said there wasn't anything they could do that they weren't already doing but I preceeded to still ask for their supervisor and they finally put the supervisor on the phone. Once on the phone with the supervisor he continued to say the same things that they couldn't give me access to my money or my account. I think it's unfair that they can just take my money like that.
Consumer complaint received 2020-01-31
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: CITIBANK, N.A. (CT)

I have had a Citi/Costco card since XXXX. 
I use it primarily for Costco purchases, and pay in full every month. 
I have always resided in Connecticut. 

on or about XX/XX/XXXX, I received an email notice from Citi that my account balance was {$11000.00}, and over my credit limit. 

My card has remained in my possession and has not been lost or stolen. 

Upon calling Citi, I was informed that a purchase using my card was made on or about XX/XX/XXXX, for services from a medical provider in California, XXXX XXXX, for {$11000.00}. The purchase apparently was made from XXXX, showing a XXXX change rate to US dollars. 

Despite inumerable red flags, Citi approved this charge on my account and reported it to the credit reporting agencies as overlimit, without reaching out to me in any way to verify this charge. 

The red flags included that this charge was completely atypical from my account usage over the several years I had this account, was for a very expensive one-time purchase, was an immediately over-limit purchase ( my other charges on the account at that billing cycle were for less than {$100.00} ), was made out of the country ( from XXXX ), to a medical provider across the country from my residence. 

This experience leads me to seriously question the safeguards Citi has in place to screen for fraudulent transactions. 

.
Consumer complaint received 2020-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I filled out my information for a free credit score from experian.com and was denied my free credit score unless I paid a fee. There is no fee mentioned before I put my information to get my free credit score.
Consumer complaint received 2020-01-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Collection Management. Inc (MO)

I was first notified by phone on XX/XX/XXXX when Consumer Collection Management refused to give me any detail concerning the debt they were calling about. An attorney I spoke with said that as the creditor had turned this to a collector they would likely refer me to the collector. Since I could not get information from the collector I tried to call the creditor several times the following week and there was no answer no recording. I did not even know the amount being claimed until XX/XX/XXXX when it showed on my credit report. 
On advice I filed a dispute with all three credit bureaus written the next day and mailed return receipt the following day. I have since received all three of the receipts. As I understood that collections would not continue to contact me during the dispute process I didnt take further action while waiting for the companys response to the dispute. 
On XX/XX/XXXX I received a call that disconnected within seconds of my answer so I dialed the number back. When I realized it was Consumer Collection Management I turned on my recorder. I told her I had been disconnected and she informed me my file had been noted that I refused to cooperate and so the collector disconnected the call. I told her that there wasnt enough time for that to have transpired as the call was a few seconds in duration. I then stated my understanding that they should not be contacting me while this account was in dispute. She told me who they worked for and that the collections would continue regardless. She stated that they had been sending notices about this to an address on XXXX XXXX at which I have never lived. I told her this again as I had told them on previous occasions when they called and on their call of XX/XX/XXXX when they asked to verify my address. They knowingly continue sending notices to a place I have never lived and they keep telling me that will note my file that I refuse to cooperate. When I try to clarify they tell me they can not discuss the debt and hang up.
Consumer complaint received 2020-01-31
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. (CA)

Around XX/XX/2019, I contacted XXXX  credit agency as well as TransUnion to remove the old accounts that XXXX XXXX, XXXX, and XXXX XXXX XXXX is claiming that my info is still valid. All these accounts were opened more than 7-10 years ago and they should have been removed from the time they were first opened. XXXX, TransUnion, and XXXX  must remove old accounts that have run their legal statute of limitations and they can not keep this derogatory information on my credit report forever and damage my credit score! I can not move forward with my life and get new credit because of their false and detrimental reporting. Please help me in removing these old accounts, please.
Consumer complaint received 2019-03-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CURO Intermediate Holdings (AL)

I had filed a previous complaint and listed it as wrong original creditor they werent Speedy Cash but this one is the complaint for other one is the same its some 12 loan company which I dont know who they are that complaint is XXXX. This complaint is about Speedy Cash. I attempted to clear this matter with them by filing a dispute through Transunion and then they said it meets FCRA. I havent been contacted by them even when I disputed this matter and never given proof of what it is I owe and why. I have never been sent any communication and it keeps appearing on my credit.
Consumer complaint received 2019-03-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NM)

I sent 2 payments to Ocwen Loan Servicing, LLC, back in XXXX of XXXX, only to have them returned. Each time Ocwen takes longer and longer to return these payments making the interest and penalties to compound faster than usual, thus making it More difficult to catch up on the loan. I sent a complaint to CFPB. They contacted Ocwen, with my complaint. It seems Ocwen has a reputation of doing this very thing to many other people in the past. I believe what Ocwen is doing is Illegal. The United States Government also agrees. Ocwen sent me a letter saying they would accept {$2300.00}. I sent them {$2300.00} 0n XX/XX/XXXX. They sent it back today, XX/XX/XXXX. I do not know what to do? I am getting further behind on this loan. I do not know WHY Ocwen will not accept my 2 payment check. XXXX XXXX XXXX
Consumer complaint received 2023-02-14
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. (GA)

I have called and sent disputes for something that has adversely affected my credit. A XXXX XXXX ( 2nd time they gave a credit card in my name out without my actual authorization, in XXXX credit card. I called XXXX and they said it was XXXX Bank again. I did not ever authorize this. I only have 1 credit card and have never been late on it.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I got a loan with XXXX XXXX on XX/XX/2019 for a loan payment of XXXX every month. I paid mostly through credit card via phone weeks before the loan was due typically the last day of the month ie if it was due on the XXXX I paid on the XXXX. Starting in XXXX   they no longer took credit card payments and only would take checking. I called a called XXXX and put my checking account on file then I would go online and pay via the checking account. The problem was the representative put my account number in wrong. XXXX  did not notify me of this problem and I paid for two months, I thought. I fact I suspected something wrong and talked to a representative who told me yes, in fact the payment went through. This week I got an alert via XXXX XXXX XXXX was not taking my payment in fact reported that I am XXXX not only charged me a fee but my credit has now been hit with its first ever missed payment. I called XXXX to fix the situation but the representative blamed me and later hung up on my call. Not only did XXXX make the process to pay harder but blamed me when I made payments in good faith.
Consumer complaint received 2019-02-24
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. (KY)

I have disputed the following accounts multiple times and either one of the credit reporting agencies will rightfully remove the unauthorized account and the other ones dont. I have submitted a fruad report before but still some of the accounts still remain. Before filing suit, I thought I'll try again to dispute them .The accounts are, ( 1 ) XXXX {$3300.00}, ( 2 ) XXXX XXXX XXXX {$400.00}, and ( 3-17 ) XXXX XXXX XXXX, due to certain credit bureaus investigation stated account verified, I'm respectfully requesting the Method of Verification used to come to such an conclusion. What Method was used and by whom. How was the community transpired, via phone, fax, email, etc. What physical documentation was reviewed and by who. This is the information I'm requesting as a consumer. And as stated in the FCRA if the credit bureaus can not produce this then the above accounts shall be removed/ blocked.
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed unauthorized inquirIes had been made. 
I contacted the following : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX  XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Reseller XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Bureaus XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bulk Purchase Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, PA XXXX BYMAILONLY XXXX XXXX   XX/XX/XXXX XX/XX/XXXX Credit Card Processors XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX SOC SEC:XXXX DOB : XX/XX/XXXX
Consumer complaint received 2020-06-29
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION (MS)

I called M & T Bank at the onset of COVID-19 to inquire what their options were going to be in the wake of the pandemic due to the possibility of my husband potentially losing his job. Their website stated they would process deferments, when I asked about that, they said it was an error and they would not do deferments, only no negative credit reporting and forbearances. I thanked them for their time as we were not certain at that time if my husband would lose his job. In XXXX of 2020, I received a call from M & T bank inquiring our financial situation as our FORBEARANCE was coming to an end. I told the agent that I never requested a forbearance and had made all of our payments on time. She said she took us out of forbearance even though I never asked for it. The next week, I get another call for the same purpose. I said the same thing, that we never should have been in forbearance, I repeatedly asked how that even happened and she said when I inquired about payment options that they put us in forbearance to help us out. I told her over and over that they legally can not do that. I work in XXXX  and I am aware of the implications of a forbearance. My husband went to pay online today and it gave him an error that he can not pay on the mortgage due to forbearance restrictions. I called again and she said the payment is in their system. I would like a letter from M & T Bank stating we were never in forbearance.
Consumer complaint received 2019-02-24
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)

Equifax has failed to look into the dispute that I've submitted regarding XXXX XXXX XXXX. This company is reporting an account as a result of identity theft, I have tried to work directly with Equifax and with XXXX XXXX and have got nowhere. XXXX XXXX is a collection agency that is trying to collect a debt that was caused by identity theft. They continue to say it's my debt as it is under my name, however, it is a result of identity theft ( the reason why it's called identity theft )
Consumer complaint received 2019-06-11
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: Experian Information Solutions Inc. (CA)

Please reverse the late payments reported on the following accounts : XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Consumer complaint received 2024-10-14
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OH)

Jefferson capital has 3 accounts they are trying to collect from me. These accounts are not verified and not validated under the FCRA and the FDCPA. THIS IS A VIOLATION OF MY RIGHTS, HAVING THESE ITEMS REPORTING ON MY CONSUMER REPORT. THEREFORE I WILL BE SEEKING COMPENSATION AND LITIGATION BECAUSE THESE ACCOUNTS ARE STILL REPORTING ON MY CREDIT REPORT.
Consumer complaint received 2019-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (NY)

Here is the story Citi Cards XX/XX/2018, XX/XX/2018 they are appearing on my XXXX XXXX as hard inquiry 's but these were soft pulls. I have called customer service when this was done and a few months later and both times they said they would remove the hard pull 's on the following dates. 

I am looking to get these removed off my file as promised. They said would get give me courtesy removal on those dates.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AE)

In XX/XX/XXXX I discovered my identity had been stolen. I immediately placed a hold on all credit reporting and reported the theft to the FTC. I am now ( XXXX XXXX ) trying to refinance a house and after seven attempts starting XXXX XXXX I have been unable to get Equifax to temporarily lift this freeze. Equifax is abusing its near-monopoly position and this delay, if unresolved, is going to cost me tens of thousands of dollars because of higher interest on an existing mortgage in comparison to the refinance. Thank you.
Consumer complaint received 2019-09-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (FL)

A company called Credence Resource Management LLC reported a debt on my credit report. I disputed the debt and requested proof of debt. They sent a statement and a follow up email sending the same statement.I requested proof under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) of the Fair Credit Reporting Act.