davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NC)

XXXX XXXX XXXX calls about a {$5000.00} loan that Ive never had to make arrangements to pay or have judgement & wage garnishment. Couldnt give any details except amt, opened in XXXX, defaulted in XXXX, with Citibank. They gave me my name, address and last 4 digits of my ss #. It scared me. After being pressed on where they were located, what were the payment amounts, etc. The woman got frustrated and said Id receive all of that info in court and hung up on me. Ive called back several times and everyone that has answered has an American accent but wont give me any details about who they are, just threats. With them having the last 4 digits of my ss #, do I need to worry about identity theft?
Consumer complaint received 2018-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (GA)

Hello y'all : I live in XXXX , Georgia . And I signed up and received a credit card from Chase ( XXXX XXXX XXXX ) who is a premium credit card with a annual fee of {$450.00} per year, with the benefit of having some benefits out of it. 

One of the peeks when I signed up was the Purchase Protection ( meaning that if I had bought something with the credit card and the item ( s ) got stolen, I could claim under certain conditions ) I could ask for the insurance company ( Credit Card Service ) to repair/repay for those purchases made using my credit card. 

Well, I started doing my XXXX degree in XXXX XXXX and I made the purchases that I needed for my classes using my credit card the first week of XX/XX/2018 using that credit card. 

I got robbed almost 3 weeks after that and I reported to the police. I submitted a claim for less than XXXX US $ with my 'insurance company ' who I used my credit card, confident that I will get at least my money back to buy back again my things. 

Well they declined because out of all the receipts, there is one for {$400.00} that they couldn't verify ( An XXXX receipt that instead of being some electronic thing, it was some groceries, still on my name but enough for them to decline it ). 

I asked them not to honor the electronic device and move forward to the other already verified receipts. They declined. 

Well, 6 months have passed now and XXXX XXXX XXXX refuses to pay for it, with one of their customer services telling me that 'it was because of the amount I was claiming '. I know the amount I am claiming, I got robbed. I sent them police report, receipts, I withdrew the only receipt they had issues with, they have their employee recorded saying that it was, in part, because of the amount of money, for 6 months I have being told that an examiner would call me -never, until this day, I had talked with an examiner before-. 

I used my student loan to buy again my material for my XXXX Degree, confident that Credit Card Services and Chase will honor the insurance I got promised, but they refuse. I desperately need help of the government to force them to honor their part of the bargain.I have never been past due, I have never missed a payment with them, but the interests are killing me and I want to use the money of the insurance to decrease my obligations until next year that I get to the US and I get to work again -if not I am going to have to declare bankruptcy, I can not work here-. 

Please, I beg you, I beg you, help me. 

XXXX XXXX XXXX +XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is specific to Transunion. 

I've been trying to view my credit report since XXXX XXXX to apply for a mortgage. My bank was also unable to check my credit on XX/XX/XXXX. The bank asked me to check with Transunion if there was a credit freeze. 

Actions taken on XX/XX/XXXX : 1. Accessed the Transunion website and the following errors occur : - Checking Credit Freeze status - " Sorry, we're having trouble showing the status of your credit freeze right now '' - Trying to request a Credit Report - " We're unable to complete your request online. '' 2. Contacted Transunion two separate instances to confirm no credit freeze. Both times confirmed no credit freeze. 

3. As advised by Transunion, I tried access the Freeze/Report by logging into their site on multiple browsers, clearing cookies and using icognito mode. None worked, same errors. 

I'm trying to put an offer on a house with a tight timeline and this has serious ramifications. Please help resolve.
Consumer complaint received 2024-10-03
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Debt Recovery Solutions, LLC (FL)

This was debt loan that I got in XXXX  and because I became very ill with covid shortly afterward the loan was forgiven, I don't know who's Debt recovery solutions are I never signed any contract with then not have I received any correspondence from them I didn't receive any notice saying they had purchased the debt from from blinc or scratch the original company nor did I sign anything
Consumer complaint received 2023-06-02
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (AR)

Improper use of my credit report. In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late foranypurpose.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was reviewing my credit report and found some errors relating to my payment history on some accounts. The credit reporting agencies have the responsibility to report accurate information. I have never been late on ( XXXX XXXX XXXX XXXX. Please investigate these errors and remove the late payments if these can not be verified
Consumer complaint received 2024-10-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Velocity Portfolio Group (CA)

I am writing to formally file a complaint regarding a mortgage company that I believe has engaged in deceptive practices in processing my loan application and refinancing. In XXXX [ XXXX years ago ], I submitted an application to pull equity from multiple properties I owned outright, with the intent of taking advantage of historically low interest rates. However, my experience with this company has left me feeling misled and financially burdened due to their actions. Here is a summary of the situation : Delay in Processing Application : Despite submitting all necessary documentation in a timely manner, the company delayed processing my application until interest rates XXXX. This appears to have been a deliberate tactic, as they did not provide any valid reason for holding onto my application for an extended period, which ultimately resulted in me receiving a higher interest rate than originally anticipated. Misrepresentation of Loan Terms : When the company finally processed my application, they presented loan terms that were significantly different from what was originally discussed. I had expected a lower interest rate based on the market conditions at the time of my application in XXXX, but the terms I was offered were substantially higher, increasing my mortgage payment beyond what I had planned for. Errors in Credit Reporting : In addition to the interest rate increase, the company reran my credit without proper notice and included inaccurate information that negatively impacted my credit score. This had a detrimental effect on my ability to secure more favorable loan terms. Lack of Transparency and Hidden Fees : It became clear during the loan closing process that the company had not fully disclosed all of the fees and charges associated with the loan. This led to a higher mortgage balance than I had originally agreed upon. Their lack of transparency has made me feel that I was scammed into a more expensive mortgage than necessary.
Consumer complaint received 2018-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: ONE REVERSE MORTGAGE, LLC (CT)

I originally was going to complete a reverse mortgage on my property but after it was appraised the numbers and information that was disclosed to me wee changed due to the where the value came in opposed to what was assumed by the lender.

ONEREVERSE Mortgage a XXXX XXXX company advised me they would reduce my appraisal cost to {$99.00}. When I realized what was being offered regarding the reverse mortgage and that it would not be in my best interest I decided to shop around for a cash out refinance which worked more favorably for me so when time to transfer the FHA CASE NUMBER XXXX was requested from the new lender, the case number was transferred but not the appraisal that was to be attached. 

I spoke with Onereverse and was advised that the {$99.00} would not be Honored because I went elsewhere and that I would need to pay {$650.00} minus the {$99.00} but somehow was emailed a total of {$550.00}. When I called to pay the {$550.00} they attempted to get me to pay {$650.00} even with evidence of the amount I was quoted. 

I believe there Is something going on with this bank where they are defrauding elderly people like myself and trying to get money out of them. The price I should be paying for this appraisal is the {$99.00} and not be penalized because I chose to go to another lender who had a better program within my best interest. These are FHA mortgages so banks can't make up their own rules as they go.
Consumer complaint received 2024-10-02
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (NC)

In your response to my CFPB complaint you state the alleged account was placed with a third party that is no longer handling the account. However, neither you nor the third-party provided debt validation as requested. I don't recall receiving a debt validation notice within five days of this initial communication, as required by 12 CFR 1006.34, or the necessary validation information, including the name of the original creditor, the amount of the debt, and an itemization of the debt as required by 12 CFR 1006.34. I request that any negative information related to this alleged debt be removed from my credit report until the debt is properly validated, in accordance with 15 U.S.C. 1692g ( b ). I also request that Genesis Credit comply with all provisions of the Fair Debt Collection Practices Act and Regulation F, including providing the required validation information and ceasing collection efforts until such validation is provided. Reporting of a debt is an attempt to collect.
Consumer complaint received 2024-10-02
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC (OH)

To Whom This May Concern : On XX/XX/XXXX I contacted their cardholder services customer helpline and informed them that I recently moved from my previous address at XXXX XXXX XXXX, XXXX, OH XXXX to XXXX XXXX XXXX XXXX XXXX OH XXXX. I assumed that I would have received my card before my official move, but it seems it has been lost in the mail. 
Their customer service representative informed me in order to have my account active, that I needed to provide proof of residency change. In my initial email sent on XX/XX/XXXX I included my internet bill from XXXX and Lease agreement to XXXX. 

The following day, XX/XX/XXXX I called confirming receipt of the documents that had been sent and was informed it takes up to 72 hours to receive the information and change it in their system, and I would receive an email confirmation once it was completed. Which I never received. 

I called again on XX/XX/XXXX and talked with someone in the back office about the documentation I sent and the lady informed me that a new card had been sent on the XXXX and everything had been received and updated. 

However, today, XX/XX/XXXX, I tried using my card to make a purchase on XXXX and then at XXXX 's and it was denied. When I called the customer service line and spoke to the supervisor, XXXX, they informed me that the XXXX was an incorrect email address and then when I sent it to the new email given to me by the supervisor XXXX, I was informed that the actual email is XXXX, it was blocked. I again tried two more times to email the new email address, but was unable to as it stated it is blocked. I am now trying to send the same email from my work email address and have ccd my personal email, XXXX to confirm it is the same person emailing. And again, the email was undeliverable to the new email address provided and it has been 2 weeks for my information to be updated, which is ridiculous. 

This is beyond frustrating as I have confirmed my address and identity in more ways than one and the address change should not take nearly two weeks to process. I am requesting this issue be resolved today immediately as it seems they have taken very vital information and have seemingly stolen it with zero update or communication. Should you have any questions or concerns, please do not hesitate to contact me either by phone or email. Thank you.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CO)

I have started disputes many times on the recent past with all 3 major bureau 's regarding false and incorrect and/or old information being reported as far as my personal details and have gotten zero results and absolutely no compliance with my requests.. Not to mention the hard inquires i have challenged and requested immediate removal due to me not being accepted and receiving any credit or not being approved which has also been a failure on their end.. Lastly, the many negative items I have asked for copies of my original agreement or contract with my provided wet signature or autograph of you will, and have gotten updated and verified messages only with no documents i asked for or proof of verification.. This is unprofessional and extremely frustrating due to the damage of my report and personal suffering due to not being able to get approval for anything all because they refuse or neglect to perform their required duties..
Consumer complaint received 2024-08-27
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credence Resource Management, LLC (TX)

Credence resource management was list on my credit report. I went to their company website and made a payment of {$50.00} on Wednesday XX/XX/year>. I called to see if the money had gone to the correct account shortly after since not much information was needed to post the payment. This call was handled very unprofessional and abrasive. I called again on Friday XX/XX/year>. They insisted my last name was XXXX. I informed them my last name is XXXX, not XXXX. They said the account is under XXXX. I requested written documentation of the debt and account information. I provided an email address and my current address. I didnt receive anything so I called once more on Monday XX/XX/year> to request this information. The representative informed me they mailed documentation to my address then proceeded to give me an incorrect address. Representative also said there had been communication sent via email. I searched and nothing was sent. I was informed the debt was from XXXX XXXX XXXX I called XXXX XXXX XXXX to obtain documentation and they are refusing or denying being able to send me physical copies of my account. I had informed that Im trying to take care of my debt if it is in fact my debt. I just want ant to verify that is. Both companies have made it very difficult to obtain documentation.
Consumer complaint received 2023-06-05
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)

During the course of checking my credit score report, I found many errors including false information of these collections accounts are not 100 % accurate. This has damaged my reputation in becoming successful as a individual person who wants to purchase a home or car or even upgrade my business in order to hire employees in the future. I indefinitely want the consumer federal protection bureau to enforce the deletion of these accounts.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BetterNOI, LLC (FL)

Attn : Screening Reports XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX To whom it XXXX concern, Please consider this a formal request to investigate and correct the following inaccurate items on my credit/consumer report issued by your agency. 
These items must be removed in order to show my true credit/consumer history. 
I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997.

As required by the Act, Under 15 U.S. Code : ( b ) Accuracy of Report 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.

I requested that you reverify each of these items, and that the inaccurate items be deleted from my records. And ALL inaccurate deleted from ALL of your subsidiaries.

Items to be deleted for inaccuracy will be as follows : 1. All address listed are inaccurate. ( My address is listed above. ) XXXX. XXXX XXXX Proceedings are inaccurate. ( I never had an Eviction ) XXXX XXXX XXXX XXXX XXXX amount incorrect and have inaccuracy. 

XXXX. Collections XXXX XXXX account never was in collection. ( Account paid in full ) XXXX XXXX Accounts XXXX of the following listed accounts are past the statute of limitations. ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) XXXX XXXX Accounts XXXX listed XXXX XXXX are inaccurate due to wrong amounts, paid status. Please reinvestigate all XXXX Accounts. 

Under the Fair Credit Reporting Act, you have XXXX ( XXXX ) days from your receipt of this letter to re-verify these entries. 
According to the law, failure to correct/delete inaccuracy items within XXXX ( XXXX ) days constitutes reason to deleted/drop the information from my consumer/credit file. And all of your subsidiaries notified of all corrections. 

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted.

Under 15 USC Section 1681J, there should be no charge for this notification or for the corrected copy of my consumer/credit report.

I will also inform the Consumer Financial Protection Bureau of the request. 

Thank you for your assistance in this matter.