davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (SC)

On XX/XX/XXXX I purchased two XXXX ornaments that were supposed to be 51 inches tall for {$99.00} using my Barclays Frontier card. When the merchandise arrived the two ornaments were approximately 12 inches tall and didn't even look like the ones we ordered. We sent the items back Certified Mail to the address the return address on the package we received. This was a scam. They knew what they were doing. I took pictures of the box I returned them in as well as the envelope they were shipped in through the US Postal service. I can verify through the US Postal Service that the items were delivered. However, this company denies that they were received. They refuse to refund me my money. I disputed through Barclays, provided pictures of the return envelope as well as pictures of the items that were shipped. They have denied my dispute and refuse to refund me and offer no solution. I asked them what I could provide that would enable them to refund me and they said there was nothing more I could do. The credit card claims to offer protection from fraud. I have complied with everything they have asked me to provide and still refuse to refund. I have done the right thing. I went ahead and paid off the card but I am not happy about it. I would like for them to honor the fraud protection they claim to provide.
Consumer complaint received 2024-09-09
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. (FL)

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX Balance : {$67.00} XXXX XXXX XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$9200.00} XXXX XXXX XXXX XX/XX/year>
Consumer complaint received 2024-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-09-09
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. (MI)

My credit report has certain accounts that I'm not familiar with. Since I never gave them permission, they could be the product of identity theft. Having previously discussed this with you, I'm writing to request that these accounts be promptly deleted from my report in compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus rectify erroneous information on consumer credit reports. These accounts have caused me stress because they are on my report. It's been difficult to deal with the impact because they don't represent my financial responsibility or credit history. I'm ready to take legal action to protect my rights and find a solution under the FCRA if we can't work this out. The inaccurate items that appear on my credit report have been a big obstacle for me. They're getting in the way of my important financial goals, like buying a house and taking care of my family. I hope we can resolve this issue quickly.
Consumer complaint received 2021-04-07
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: Experian Information Solutions Inc. (GA)

I filed a dispute with XXXX  XXXX over 30 days ago .I informed XXXX  XXXX that I am disputing their claim.moreover I requested that XXXX  XXXX supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal XXXX  XXXX never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally XXXX  XXXX failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine.
Consumer complaint received 2021-03-08
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. (TX)

Credit dispute letter was sent out over 30 days ago and credit report has not been updated with any information, not showing any items have been updated with final result, Items should be removed at this time going over the allocated time of 30 days. This should be done immediately by credit reporting agency.
Consumer complaint received 2021-03-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (DC)

I was affected by Covid-19, and job loss that placed me in a position of not being able to pay the mortgage for months in the year XXXX. I contacted the loan company and requested to speak with a representative on a non-recorded line, as suggested by the automated system. However, a live representative answered, and reviewed my account and said I qualified for the programs to help me. I said great, then I asked if the conversation is being recorded and they said yes. I stated I would like to discuss my matter on a non-recorded line, and I was told someone would call me back! 

Well, I never got that call back or a voice message from the company to assist me with my issue. I called back several times, same thing happened. When I called on XX/XX/XXXX about XXXX, the automated system took my information and again stated I was approved for help. 

I received details about a loan modification in the mail on XX/XX/XXXX which stated to accept the terms, I needed to make a payment by XX/XX/XXXX, XXXX or the offer may be off the table and Foreclosure may be enforced with no option. I did send the requested payment to the lender, and still have not heard from them. 

" The lack of communication is from the lender is terrible ''. 

Again, I reached out to the lender on XX/XX/XXXX to simply inquire if they had received my payment, and again I wanted to have a discussion on a non-recorded line. The customer service person ( Who's name and details I have ) said she could not give me any details on my account if I wanted to talk on a recorded line. I said Ok! However, as I told her that no one has ever done a return call, then questioned what was the process of returning calls? Then, it became very simple how " FLAUD '' the system is! 

Here it is : ( 1st ) The Rep. place a call back request, but it's not to a particular person, it's just in a request box. ( 2cd ) No one is assigned to truly call you back, so no accountability is there. Which allows a call back Maybe or Maybe Not. ( 3rd ) If a Rep. gets the request to call you back, it's no way of knowing, or back - tracking who that person is. Nevertheless, this is why I have not received a call back. The Reps. have been pushing my request to the side, ( I'm sure I'm not the only person ) and No One is accountable which effects the timing of information being processed to properly do business in a timely manner. THIS IS A SERIOUS PROBLEM! 

The Company is : Specialized Loan Servicing, LLC
Consumer complaint received 2021-03-08
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: AMERISAVE MORTGAGE CORPORATION (TX)

On XX/XX/2021 XXXXAmerisave Mortgage Corp, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA ( and other addresses ) placed a hard inquiry on my XXXX XXXX and XXXX  credit bureau records. I have not done business with this company, applied for employment with this company or applied for a mortgage with them. I do not currently hold a mortgage with them or any other mortgage company. I have not applied for a mortage with in the last two years with any other mortgage company.
Consumer complaint received 2021-04-07
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: Atlanticus Services Corporation (GA)

I received a inquiry notictification for on XX/XX/2021 for XXXX/Aspire. 
I did not place an inquiry or request an application. The application was placed fraudulently and I am requesting the application be canceled and inquiry removed from my XXXX credit report.
Consumer complaint received 2021-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-03-07
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. (PA)

After being affected financially/physically by XXXX, XXXX XXXX XXXX placed my account in a XXXXXXXX XXXX XXXX in XX/XX/XXXX and reported to the credit bureaus as affected by natural disaster. Per the company, this was effective through XX/XX/XXXX. I have made payments during the protected status. My standard payment is {$450.00} a month and I have been paying {$560.00} the past three months. 
On XX/XX/XXXX, XXXX XXXX reported to all three credit bureaus as me being late from XX/XX/XXXX to current. This is completely false. They reported to XXXX and TransUnion that I made no payments during XX/XX/XXXX through Present and to XXXX that I made no payments XX/XX/XXXX through XX/XX/XXXX. Last month, my account read 100 % payment history and now this month Im showing 11 missed payments? Its not true. It has dropped my credit score over 100 points! 
When I called and spoke to a representative, I was told once XXXXXXXX XXXX ended we marked all customers late during those months. How is that allowed? Its unethical. The last representative I spoke with said maybe just pay the car off and then you dont have to worry about it. Who has XXXX during a pandemic? 
Please help me have them remove all late charges as I was a victim of XXXX, not late and was in XXXXXXXX XXXX XXXX and the information reported is false.
Consumer complaint received 2021-03-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Solar Mosaic LLC (WI)

The loan with Mosaic was arranged by a company that installed solar panels on the roof of my home. Payments on the loan began onXX/XX/XXXX21 and are due the first of each month. I track the payments and daily interest in a spreadsheet and an amortization schedule spreadsheet. ( The loan is in my wife 's name but during the call referenced in paragraph 4, she gave permission for me to discuss the account ) In addition to the monthly payments, i made one additional payment in XXXX and two additional payments in XXXX. The effects were expected as the daily interest gradually went down - the differences in the interest and principal from the Mosaic website and my own tracking methods was negligible. 

With the XX/XX/2021 payment, however, the numbers were drastically different. I was expecting about a {$30.00} in interest at about {$4.00} daily interest from a payment that processed XX/XX/XXXX to XX/XX/XXXX. Instead I was charged {$48.00} in interest. 

I did call a customer service number and left my information and a message on the situation - rather than waiting for a response, i called again during business hours. The customer service representative ( XXXX, who was friendly/professional ) noted the current daily finance charge was {$4.00} ( close to what i have in my amortization schedule ) but she said that the interest charged on XX/XX/XXXX was for 11 days. 

By my calculation, XX/XX/XXXX to XX/XX/XXXX is 7 days. I am not sure if it is legal but it would certainly seem unethical to add days to a month. If each month is a set number of days in their calculations it would seem they should have a monthly interest charge rather than their daily finance charge. I am glad I have been tracking the payments and I caught this early in the loan so that ( hopefully ) i can prevent years and years of continued ripoffs by this unscrupulous company. 

The Mosaic rep is running a report to see how the interest was calculated the way it was. 

I encourage the good folks at the CFPB to look into this company to see if there is a history of ripping people off with excessive interest and finance charges. Please do not hesitate to contact me for additional information. 

Thank you, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (NJ)

On XX/XX/XXXX I received a letter from AFNI Collections Stating that they I owed " XXXX '' $ XXXX.And they were collecting alleged debt. 
I contacted XXXX, in which I have been a customer of since XXXX. Paying for my service via direct withdrawal, never delinquent. 
After contacting XXXX they discovered I had " another account '' as a result of identity theft They created a report for their identity theft team to investigate. I'm waiting to be contacted from such team. However I do not want my credit to be compromised as a result.
Consumer complaint received 2021-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IN)

XX/XX/2021 When going through the XXXX website to the Equifax website, Equifax asks questions where all the answers are " None of the above '' and then notifies me " Based on the information provided, we are unable to verify your identity. '' This happened to me and my wife every time we tried the site ( Twice for me, once for my wife. ) I called Equifax. After a long hold, I was able to talk to a human who was no help and did not seem to care. I asked to speak to her supervisor. After another hold, I told the gentleman that I wanted to inform them that their website had problems. I was not mean or harsh at all. The call went to a recording in XXXX and started asking me to go through a phone menu again. 

Obviously, the Equifax website can not verify who we are when it does not ask any relevant question whatsoever. Seems like they do not want to allow credit reports. Either that or they have a lot of wrong information that they will not let me see. 

By the way, XXXX and XXXX sites seemed to work fine and provided the credit reports which appeared correct.
Consumer complaint received 2021-03-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (PA)

After being affected financially/physically by Covid-19, Credit Acceptance Corporation placed my account in a Covid protected status in XX/XX/XXXX and reported to the credit bureaus as affected by natural disaster. Per the company, this was effective through XX/XX/XXXX. I have made payments during the protected status. My standard payment is {$450.00} a month and I have been paying {$560.00} the past three months. 
On XX/XX/XXXX, Credit Acceptance reported to all three credit bureaus as me being late from XX/XX/XXXX to current. This is completely false. They reported to XXXX  and XXXX  that I made no payments during XX/XX/XXXX through Present and to XXXX  that I made no payments XX/XX/XXXX through XX/XX/XXXX. Last month, my account read 100 % payment history and now this month Im showing 11 missed payments? Its not true. It has dropped my credit score over 100 points! 
When I called and spoke to a representative, I was told once Covid protection ended we marked all customers late during those months. How is that allowed? Its unethical. The last representative I spoke with said maybe just pay the car off and then you dont have to worry about it. Who has XXXX during a pandemic? 
Please help me have them remove all late charges as I was a victim of Covid, not late and was in Covid protected status and the information reported is false.
Consumer complaint received 2021-03-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Block, Inc. (AZ)

XXXX XXXX aka Cash App has froze my account XX/XX/2021 with my money on it. I can't send money or buy bitcoin but I can receive money .... I tried contacting via email because there is no live people and there response is my account is frozen and there is no further information they can give me ... I emailed about 20 times and now they will not respond. I can't take my money out I can't close my account.
Consumer complaint received 2021-03-07
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: Experian Information Solutions Inc. (AK)

In XXXX of XXXX I contacted XXXX and informed them that I was in quarantine due to COVID and recently moving to Alaska. I paid the amount due as soon as I was able to get to access to the my banking accounts on the internet. XXXX told me they understood and then reported the loan late to Experian 30 days. 

In XXXX of XXXX I actually contracted XXXX and was sick for nearly 90 days. I again contacted XXXX and they stated it would be taken care of ... both XXXX and any result in XXXX or XXXX. Then they reported to XXXX 60 days late in XXXX. To Experian XXXX reported the loan 30 days late in XXXX, conflicting reports. 

I have mailed through the postal system correspondence supporting my claim. However, I have not received a response. I have attempted to email and send correspondence in this format. Their website blocks attachments and when I call them each time the customer service agent tells me I have to mail in my complaint.
Consumer complaint received 2021-03-07
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. (WA)

On XX/XX/XXXX there were two accounts that I disputed because of the way they were appearing on my credit report. For XXXX, the original date was in line with the date of my bankruptcy XX/XX/XXXX. After the dispute, the account status date was then updated to XX/XX/XXXX and my credit score fell from XXXX to XXXX because of a recent negative impact. Then, XX/XX/XXXX I tried to dispute this mistake my credit went from XXXX to XXXX. Next, on XX/XX/XXXX I again tried to get them to fix this information. There was no impact to my credit, but the account updated status still was not fixed. Finally, I noticed it was still impacting my credit so I again called and explained and asked them to correct the error. Again due to the dispute, they gave the account another update and my credit fell from XXXX to XXXX. At this point I am not sure how to get this resolved.
Consumer complaint received 2021-03-07
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: ERC (GA)

On XX/XX/2020 Enhanced Recovery, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.