davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (VA)

A XXXX XXXX XXXX Report has been completed with no resolution or a response. Money Lion has had a troubled history with actions taken by VA & other  states. I signed up for the {$79.00} membership plan including {$29.00} + {$50.00} mandatory investment. The online message system is unacceptable. The contact forms online serve no purpose as every time, there is absolutely no resolution. You get non resolved emails. Additionally, Money Lion online does not match what is available on the PHONE APP and I do not have a smart phone. I have no idea my checking acct bal unless calling and no statements with the online account. No view of checking or investment accts. I have a review by XXXX XXXX and I need statements email to me by tomorrow. 
Additionally, money lion takes about 9 days to credit the money to the investment account. My loan # is XXXX. Checking XXXX XXXX acct XXXX. Additionally, they purposely hide their phone number of the New York Corporate Office - no one knows what their number is.
Consumer complaint received 2020-06-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (PR)

WE HAD HAD A BESTBXXXX REPRESENTATIVE AT OUR HOME TO QUOTE US ON APPLIANCES FOR THE HOUSE. THE TOTAL AMOUNT OF THESE APPLIANCES WAS FOR {$8000.00} THE SALES REPRESENTATIVE HAD STATED THAT THEY HAVE A PROMOTIONAL OFFER WITH CITIBANK TO GET 18MONTH 0 % APR INTERESTS ON THE CARD. AFTER A WHILE OF PAYING THE CARD OFF WITHOUT SPENDING WE DECIDED TO PURCHASE A BIG REFRIGERATOR, SINCE WE HAVE 18MONTHS OF NO INTERESTS OR APR ONLY TO FIND OUT THAT THE 0 % APR INTERESTS CHARGED ON THE CARD IS ONLY FOR THE INITIAL PURCHASE AND THAT SEEMS LIKE DOING BUSINESS IN BAD FAITH UNETHICAL AND FALSE ADVERTISING ONLY TO HAVE A CONSUMER SIGN UP FOR A CREDIT CARD. FOR GENERAL REFRENCE I HAVE 3 XXXX CARDS 1 PERSONAL 2 BUISNESS ALL CAME WITH THE 0 % APR AND INTERESTS. A CITI COSTCO CARD ALSO CAME WITH 0 % APR A VISA CARD CAME WITH 0 % APR INTERESTS. SO I KNOW HOW THE ACCOUNT IS SUPPOSED TO WORK I WAS BULLIED AND SCAMMED, LIED INTO A FALSE CONTRACT FOR GAIN.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (TX)

My loan servicing was transferred from XXXX to Mr. Cooper. It was supposed to be effective XX/XX/2019. There is a regular payment and two additional principal payments I made to XXXX  that were not reflected in the balance Mr. Cooper stated I owed. Specifically, the balance XXXX  says was transferred was {$460000.00} and the balance Mr. Cooper said I owed in the first statement received from them was {$470000.00}. The balance of {$470000.00} was the principal balance of my loan with XXXX   after I made the regular payment to XXXX  on XX/XX/2019. I made an additional principal payment on XX/XX/2019 of {$310.00} to XXXX. I also made another regular payment to XXXX of {$2200.00} along with an additional principal payment to XXXX  of {$310.00} on XX/XX/2019. The amount of {$2900.00} is essentially missing. I have sent a detailed letter to both companies and had numerous phone calls with both companies. Both companies deny any error. This entire issue appears to possibly be caused by Mr. Cooper 's records reflecting my loan was transferred to Mr. Cooper on XX/XX/2019 instead of XX/XX/2019.
Consumer complaint received 2020-05-18
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: SYNCHRONY FINANCIAL (PR)

I have written to Synchronic Bank about account XXXX XXXX XXXX XXXX that is is a fraudulent account open under my name. The account was removed and know was place in the credit bureau with many many months of been open.
Consumer complaint received 2019-12-23
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. (CA)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-12-23
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. (CA)

I discovered some accounts on my credit report that were opened on my behalf without my permission. I found out about these accounts today XX/XX/19 because I am in the process of buying a house and when the realtor ran my credit he told me that I didn't qualify for the loan right now because of these negative accounts on my credit report. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts. I did not benefit anything at all from these accounts that were opened without my consent and I have already filed a police report.
Consumer complaint received 2019-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (UT)

WE are not sure what this debt is or who its for or where it came from. It has been cleared from my credit report then reappears then I get it cleared then it reappears.. Its IC systems this time in the past it was XXXX  XXXX XXXX prior to that another collection agency they just keep selling it reporting it so on. They all demand money then offer want discounted settlements 80 % 90 % discount Its a fraudulent account.
Consumer complaint received 2019-09-12
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. (NJ)

There is a delinquent account on my credit report that does not belong to me, it was not opened by me. This account is completely unknown to me. 

The account name is : XXXX XXXX XXXX
Consumer complaint received 2019-09-12
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: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. THOSE INQUIRIES WERE NOT AUTHURIZED BY ME, PLEASE CONDUCT A REINVESTIGATION AND HAVE THOSE INQUIRIES REMOVED.
Consumer complaint received 2019-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc. (NC)

I paid the collection debt as it was an outstanding hospital bill that I received no notification about. It was paid in full they still are reporting this debt as a collection item when there is nothing outstanding or owed for this account. Violation of HIPPA PHI regulations.
Consumer complaint received 2019-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Someone used and stole my information and opened a mortgage in my name. I am not currently a homeowner and I have never beeen one. I wasn't told the name of the company. I do not know how this is possible.
Consumer complaint received 2019-09-11
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect (WI)

Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called onXX/XX/3019 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Called on XX/XX/19 at XXXX Calls from Americollect. I do not have any debts to my knowledge. Always has a recorded message. Sometimes the message would be halfway finished when my voicemail picks up and sometimes the message would start when my voicemail picks up. One time I did pick up the call to ask them to stop calling and it was a recorded message not a human being.
Consumer complaint received 2019-09-11
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc. (OH)

Diversified Consultants call me daily at around XXXX from a local number regarding a small debt for XXXX XXXX . I have requested Diversified Consultants to stop contacting me 3 times this week after one representative claimed to work for XXXX ( which is false ), another representative hung up on me when I was requesting again for them to stop calling me, and the third representative today tried to over talk me as I was telling her I know this is a recorded line and to stop calling me. I have disputed this debt with another collection agency over the past 11 months as XXXX is charging me for service after the disconnection date and quoted me a final bill of about {$82.00} during my call in XX/XX/2018 upon disconnection or service. The other collections agency stopped contacting me regarding this debt after I requested and also did not place it on my credit report as I disputed it as an incorrect amount.
Consumer complaint received 2019-09-12
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. (NC)

I filed a dispute with Experian about a collections item from XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX. I provided documents from medicare showing that I was not responsible for these bills. They denied and redused to take this record off my credit report. The US government says I am not responsible so how can they seny this claim being removed
Consumer complaint received 2019-09-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

I'm almost XXXX and I have XXXX   and had multiple XXXX XXXX   and have been treated with disrespect and my funds have been held by Citizens bank. This bank never emailed ( because was online savings ) called or sent any notice whatsoever. I opened Citizens Access savings about one month ago online and made initial deposit from XXXX. XXXX told me Citizens contacted them to confirm information. After more than dozen calls to Citizens, I was finally told just yesterday that they suspected account ( Because I deposited funds and now were making payment, etc??? ) and would returned all funds to XXXX. This caused my credit card payments and another transfer to be cancelled and caused many fees and interest because they were not completed, as I did and trusted with Citizens Bank. My wife was skeptical in having this account, with no actual Branch and I should have listen to her. 

I called Citizens several times just to be told theres nothing that can be done. Can this matter be brought up to executives in the bank please?? It is just terrible that now my credit history is bad, and I had occurred over 300 in fees and have no access to the initial deposit plus interest funds.
Consumer complaint received 2019-09-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied Collection Services, Inc. (Nevada) (CA)

On XX/XX/XXXX.. a treating XXXX at XXXX XXXX performed a "  XXXX   XXXX '' XXXX without my consent. I was told that the XXXX would be completed at the same time as my XXXX XXXX, which was scheduled at a later time. Subsequently, I was billed for services performed without my knowledge. 
On XX/XX/XXXX, I filed a formal grievance and received receipt of that grievance on XX/XX/XXXX. 
On, XX/XX/XXXX, XXXX adds a XXXX XXXX debt collection onto my credit report. XXXX and XXXX  do not and have never included this as a valid debt. This is in error and needs to be removed from my credit report.
Consumer complaint received 2019-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX never late XXXX  XXXX  XXXX XXXX never late
Consumer complaint received 2019-09-11
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)

We held a credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX going back to XXXX. We moved to XXXX in XXXX, but kept our XXXX bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX sold these accounts to XXXX Bank and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

TransUnion credit bureau has been fraudulently furnishing inaccurate information according to the FCRA and I am seeking statutory damages to my credit report. 

Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5
Consumer complaint received 2023-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

RE : DISPUTED INQUIRIES To whom it may concern, as of XXXX XXXX, I disputed inquiry errors on my credit report. The inquiries I submitted to all credit reporting agencies are erroneous and were made without my written consent and authorization. I have not received any response from the credit reporting agencies with in the 15 day time frame according to the FCRA law. I have a right to a receive a response from the credit reporting agencies to these inquiries I did not consent too.
Consumer complaint received 2019-09-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We held a credit card account with XXXX XXXX XXXX ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a XXXX party. I have attached my XXXX and letters to this complaint for your review.
Consumer complaint received 2019-09-11
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. (FL)

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ref : Experian XXXX XXXX, XXXX, XXXX XXXX, and XXXX ) XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX Dear Consumer Financial Protection Bureau : Thank you for taking time to investigate my complaints against the following agencies who have refused 3 times to provide documentation verifying that these are may accounts as per the Fair Credit Reporting Act 609 and 623. The type of problem Im having with the Experian, XXXX, and XXXX XXXX is refusing to not only remove these items off my credit report, but more importantly disregard my request to show the proper documentation I requested to verify these accounts are mine. After three  disputes, Experian, XXXX, and XXXX XXXX have failed to once again provide documentation that this was my account. They failed to provide me a copy of any viable evidence, being my original signature showing the account was mine. All agencies continue to avoid the FCARA guideline. Neither the credit bureau of the comapnauiies have provide any original documentation such as a consumer contract with my signature as required under 609 ( a ) ( 7 ) and Section 611 ( s ) ( 1 ) ( A ). Furthermore, all bureaus and even the creditors have refuse to provide document. I asked each one of them since they didnt provide documentation to immediately Delete all information which can not be identified. 
Please see letters and certified mail which shows my attempts to have the credit bureaus to investigate and if not proven, remove immediately. 
In, conclusion, I have been maintaining careful records of my communication with Experian, XXXX XXXX, and XXXX for the purpose of filing a complaint should they be unwilling to comply with Federal Laws. They refuse to comply! Thank you in advance for investigating my claim and I look forward to a swift resolution. 
Sincerely, XXXX
Consumer complaint received 2019-09-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CO)

XXXX XXXX XXXX XXXX/ XXXX contacted me about doing the rehabilitation for my loan- the amount due was {$22000.00}. I was contacted on XX/XX/XXXX for nothing less than {$220.00} per month. Which I financially couldn't afford as a single parent.They eventually set up a wage garnishment against my wages- receiving anywhere from $ XXXX- $ XXXX+ per week. I was paid weekly. I was garnished for 3 consecutive years. Then in XX/XX/XXXX I received 2 letters from 2 different collection agencies/debt collectors. One was dated the XX/XX/XXXX from XXXX XXXX XXXX XXXX- from previous company Navient. The amount they were seeking was {$12000.00}. After receiving a notice from XXXX XXXX XXXX dated XX/XX/XXXX from previous company Navient. They were seeking $ XXXX- but were willing to settle for {$510.00} within 40 days of the letter. Each letter stated that I had 30 days to contact them. I have enough common sense to know they were trying to collect times 2 on my account. I contacted both debt collectors and infomed them that any further contact would result in a lawsuit.
Consumer complaint received 2019-09-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MO)

My loan was recently transferred to PHH Mortgage Services on XX/XX/2019. Not only did I not receive any information from either processor about this transfer until late XXXX, but now I am unable to make my payments to PHH. I made a payment on XX/XX/XXXX for the XXXX due date ( I never make my payments that late, but was forced to do so due to neither party accepting my payment until that time ). Now when I try to make my payment online or over the phone for the XXXX due date I get a message stating that they are not able to take my payment. They do not have any of the correct dates of payment on their website and show something about a " payment rejected by bank '' for {$0.00} on my payment history - my payment has been cleared from my account since XX/XX/XXXX. I was told I could call back and make my payment today XXXX after " everything clears up '', but am still unable to make my payment! I feel I am being forced to make payments late due to them continuing to have processing issues and not taking my payment! I keep getting vague answers when calling the company like " give it one more day '' and " well you aren't late until the XXXX so you still have plenty of time '' - that is not the point! I want to be able to make my payment within the 1st week of the month and for it to be processed properly. This leaves me feeling uncomfortable and not confident in the company 's ability to service my loan. When you request to send a written complaint on their website the link does not work. I will also be contacting the media about this company and sending a written complaint to their managing committee. This is ridiculous that I am unable to make a payment and am being FORCED to pay late when you have had my loan for over a month now. You should have had the transfer completed in full by now.