davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (GA)

I am the author of this complaint. I checked my credit report and saw that an account from XXXX XXXX XXXX was reporting inaccurately, so I sent a letter to the CRAs disputing the accuracy and completeness of this account onto my credit report. I received the results of the reinvestigation from the CRAs and I noticed that this company " verified '' that the account was reporting accurately. I used the XXXX XXXX Guideline to cross reference how this account should be reporting and they are in fact, still reporting inaccurate and incomplete information onto my credit report. I have been denied credit and loans due to them furnishing incorrect information. I have also called XXXX on a recorded line and spoke with a manager who informed me that the debt was sold to RESURGENT RECEIVABLES who will be joined to the original creditor in arbitration if I were to file a claim. 

XXXX XXXX XXXX has violated 15 USC 1681s-2b and could be held liable for actual damages under 15 USC 1681n for willful noncompliance. This company has violated the Fair Credit Reporting Act. I've searched the terms and agreement of my contract with this company and noticed that they have an arbitration clause, so I have sent a letter to this company ( via certified mail ) to make them aware of my intention to file an FCRA claim in arbitration if we can not reach a solution. Settling prior to filing a claim will be most cost effective to the company vs paying filing fees and arbitration fees A copy of my driver 's license, social security card, and the correspondence that I mailed to the company is attached to this complaint
Consumer complaint received 2023-07-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

I requested a student loan refund in XXXX of XXXX. After some initial confusion I was told that I could not cancel the request and that the department of treasury would mail me checks. 
I did in fact get those checks in the mail, except {$4200.00}. After months of calls to EdFinancial I learn that they never sent the refund request for {$4200.00} ( which is the total number of payments I made to EdFinancial in DXX/XX/XXXX ). 

/*Payments Made to EdFinancial in XXXX XXXX and they have yet to submit to the department of treasury so XXXX can get a refund : {$470.00}, {$680.00}, {$1300.00}, {$480.00}, $ XXXX So according to EdFinancial I owe {$4200.00} but they never requested the refund to the government on my behalf. 
As of XX/XX/XXXX, the EdFinancial finance department still hasn't sent the request to the government, and even if they did, I would not get the checks mailed to me before I would have to start paying interest on them. 

So I owe {$4200.00} that was never sent to me, because my student loan servicer never sent in the request to have that money refunded. But that servicer says I do in fact owe that money and they will be charging me interest starting XX/XX/XXXX. 

I've requested that they just don't send the request to the department of treasury, since by the time they do, it will have been almost a year after my initial request and i will have to pay interest. I have asked that they just cancel that part of the request and give me a credit for the {$4200.00}. But they refuse.
Consumer complaint received 2024-11-05
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Kikoff Inc. (CO)

I want to report fraud, at first I thought this was a line of credit. But it actually is a lie, they trick credit bureaus that they are extending credit but dont accually extend the credit, they instead charge the consumer a payment every month for a certain term/ period. This help increase the credit utilization so the their credit score goes up. 
This company never responded and lost my information and reported me late before I could pay. The XXXX Credit Bureau is reporting two missed payments. And this has damaged my credit. Its misleading and inaccurate information that goes against the FRCA. I want this taken off my credit and will report this to every organization to alert others not to use them. They are called Kikoff. Horrible business practices and company.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Consumer complaint received 2024-11-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

XX/XX/year> : Attempted to deposit 2 checks into a Capitol One approved atm located at XXXX XXXX XXXX XXXX XXXX, IL XXXX. 
I deposited 2 checks 1 for {$130.00} and 1 for {$750.00}. I inserted my debit card, entered my pin, followed the instructions on the screen, I stacked the checks as directed and inserted them into the machine. The machine then displayed a photo of the checks and instructed me to verify the amount of the 2 checks. 
The machine then displayed a message saying the transaction could not be processed and it appeared to attempt to return the checks to me. The door of the slot to insert checks opened but the checks did not eject. The machine then produced 2 receipts, 1 stating " Transaction Not Allowed '', 1 other receipt stating, " One or more deposit items were unable to be returned due to a technical problem ''. The screen displayed a message instructing me to take the receipt to the teller to correct the issue. This was a Sunday. I went to the bank the next morning and was instructed by the employees to take the matter up with Capital One as they were unable to help. 

XX/XX/year> : I filed a claim concerning the matter with Capital One. They deposited a temporary credit into my account for the amount of the 2 checks. 

XX/XX/year> : I sent Capital One images of the 2 receipts produced by the atm and information about the bank & atm location. 

XX/XX/year> : Capital One informed me that my claim had been denied. I contacted Capital One and was told the denial was due to " An inability to reach the merchant ''. I asked that the case be reopened as that reason did not make sense since I was able to call the bank, they should be able as well. I was told by the customer service rep that the case would be reopened. 
I sent Capital One a screenshot of their website listing the location of the atm I used, a photo of the atm along with the previously sent images of the atm receipts. 

XX/XX/year> : I sent Capitol One the telephone number of the bank 's branch manager to resolve their inability to reach the merchant. 

XX/XX/year> : Capital One emailed me to inform me that the denial will stand. I called to find out the reason and was told that this time it was due to my using the wrong atm. I informed the rep that I used an atm listed on their website as a Capital One approved atm. I asked that they check their site so they would see the only reason I tried to use that atm is because their site listed the atm. 

XX/XX/year> : Captial One emailed me that their denial still stands. 

XX/XX/year> : I received the documentation from Capital One. The documents are just copies of my account statement for the date of the credits they gave me for the checks. There is no information on how they came to the decision to deny my claim.
Consumer complaint received 2024-11-01
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. (NY)

I am writing to formally dispute inquiries that i did not authorize on my credit report. Upon reviewing my credit report i noticed several inquiries which i did not authorize. the following are : XXXX XXXX  DATED : XX/XX/year> XXXX XXXX  DATED : XX/XX/year>
Consumer complaint received 2024-11-01
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC (IL)

In XXXX of XXXX, I received an email from my homeowners insurance company that my policy was in danger of being canceled for non payment. I contacted my mortgage company, Cross Country Mortgage LLC to inquire why it wasn't paid. Got the run around of excuses and they paid it promptly. Now, in the last XXXX  months, they have increased my mortgage payment over {$700.00}. From {$1500.00} to over {$2200.00} per month. They have not responded to my complaints.
Consumer complaint received 2024-11-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY (MN)

I called the credit card company and told them the card was lost. i called the credit card company multiple times, and they told me it was noted and nothing happened. now i have a collection agency threating to sue me for a card that I did not have in my possession. i have tried to talk to the collection agency, but they are threatening me with legal action. i am not sure what else to do to have this matter handled before this affects my credit.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AL)

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately. I am filing this complaint for myself and not anyone else. Please correct and update the following incorrect personal information from my credit file and send me a copy of my most updated credit report.
Consumer complaint received 2024-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENNYMAC LOAN SERVICES, LLC. (MI)

Complaint, XXXX XXXX  and demand for disclosures under TILA to provide the name and direct contact information for the owner of the DEBT [ obligation ] and its authorized employee who has personal knowledge about amounts of demanded payments in XX/XX/XXXX Reinstatement Quote. 

Under 15 USC 1641 ( f ) ( 2 ) A servicer of a consumer obligation arising from a consumer credit transaction shall not be treated as the owner of the obligation for purposes of this section on the basis of an assignment of the obligation from the creditor or another assignee to the servicer solely for the administrative convenience of the servicer in servicing the obligation. Upon written request by the obligor, the servicer shall provide the obligor, to the best knowledge of the servicer, with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. 

On XX/XX/XXXX XXXX Companies owned by XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX sent me an unsigned reinstatement quote. 

According to this reinstatement quote, I have three options Option XXXX to reinstate my alleged " loan '' by XX/XX/XXXX I must pay {$15000.00} which included {$7200.00} between XXXX ; {$6900.00} between XX/XX/XXXX XXXX ( total {$14000.00} ), {$24.00} late fee ; {$180.00} property inspections fees ; {$620.00} valuation fees and other charges, total {$15000.00} Option XXXX. To reinstate by XX/XX/XXXX I have to pay {$14000.00} PLUS anticipated foreclosure fees {$660.00} ; anticipated foreclosure costs {$750.00} and additional costs First, this " document '' lacks any signatures of the CREDITOR 's authorized employees and not legit under the law which requires it to be signed by an authorized employee of the CREDITOR under UCC 3-401-403. I demand to provide me the name and direct contact information to the authorized employee of the CREDITOR whom I can personally contact to verify all fees and charges in this reinstatement quote. 

Second, please disclose how much money were already received from me between XX/XX/XXXX though XX/XX/XXXX ; who received my payments and on whose account receivable my payments were deposited. Please provide me direct contact information for the authorized employee who has personal knowledge about receipt of my payments and who can verify it to me. 

Third, please disclose when and by whom this anticipated foreclosure is authorized and will be conducted if I have to pay {$1400.00} for this foreclosure fees and costs by XX/XX/XXXX Please itemize anticipated foreclosure fees and costs. 
Provide date when this anticipated foreclosure will be conducted and by whom
Consumer complaint received 2024-11-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

I continue to have problems with Citibank. On XXXX, I had disputed a debt for {$39.00} from a merchant called XXXX. This bank decides to cancel my debit card and send me a new one and then refund the amount. They obviously didn't block this merchant from re-debiting from my account! This merchant XXXX has once again, debited my account for the same amount {$39.00} on XXXX! My initial complaint against this bank was because they blocked a legitimate transaction for {$1500.00} that I completely authorized but continue to allow unauthorized transactions to be debited from my account. This bank has embarrassed and inconvenienced me but when I report a fraudulent transaction, they inconvenience me again by not only disabling my original debit card and sending out a new one, but the fraudulent transaction is allowed to be debited from my account again! I don't understand what this bank is doing! The new debit card is clearly attached to the old card. I am sick and tired of this stupid bank and all of the pain and frustration they are causing me! It makes me sick to see what this stupid bank is doing and not taking any accountability for their mistakes! I want this bank held accountable for all they have put me through! It's one nightmare after another with this stupid bank! They clearly have no intentions of protecting my account from fraud. They are more interested in making my life a nightmare!
Consumer complaint received 2024-11-05
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: CITIBANK, N.A. (OH)

In XXXX, I open a XXXX CD with Citi earning XXXX XXXX XXXX XXXX. In late XXXX, when the CD was coming up for renewal, I spoke to a Citi representative about renewing the CD for XXXX  months. The rate I was quoted was XXXX XXXX XXXX XXXX- which was approximately the going rate for CDs at that time. 11 months later, when I was prepared to close the account, I notice the rate I was given was only XXXX BASIS POINTS! The representative didn't know the difference between XXXX percent and XXXX basis points -- stunning. Considering my savings earns XXXX basis points at XXXX, I would not have agreed to earn a mere XXXX at Citi. I called to cancel the XXXX and even the next representative didn't know what a basis point is. How does Citi have representatives on the XXXX servicing line that don't know the difference between percentage and basis points?? I want my XXXX XXXX XXXX  for XXXX  months put into my account. This is a clear XXXX violation.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (MI)

On or about XXXX or XXXX of XXXX, Shellpoint Mortgage unnecessarily opened an escrow account for us without our consent or even any notice. Our mortgage was transferred to them without an escrow agreement. The agreement we have is that we pay {$510.00} per month for principle and interest ( see attached documentation ). We pay our insurance and taxes separately. When Shellpoint opened this escrow account we had already paid our insurance and taxes in full. Since that time, the company has been charging us more than the agreed rate. We have been paying this extra money and the company has told us over the phone that once they close this escrow account that this extra money will be applied to our principle. It has been a number of months since this has begun and the company refuses to close this escrow account, even though we have paid this extra money and our taxes and insurance have been paid in full. Shellpoint has also reported our mortgage account to be 30 days late to XXXX and our credit rating has fallen over XXXX points. They have published that our agreed payment is {$660.00} which is a number they have made up to include insurance escrow. We call them often and they act as if it is the first time they have heard about this and they give us conflicting info each time we call.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

To whom it may concern : The right to contest my credit report is something that every American has, and I am exercising this privilege. I understand the nature of these proceedings- it's not just about whether or how much money was owed, but also what kind of debt load or balances can have on your life if they're left unchecked! Debt load or balances can have a huge impact on our lives if they're left unchecked, so it's important to report any derogatory information accurately and compliantly. I am requesting that you investigate the validity of the allegations in my credit report, and if they're current and compliant with regulations, then we'll leave things as they are. However, if any of the information is not accurate, I demand that you remove it from reporting immediately.
Consumer complaint received 2024-11-01
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. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I have been refunded by XXXX XXXX XXXX that I received damaged from XXXX XXXX I received an email from them stating that I won the dispute and they would be reimbursing me for the previous 2 payments that I made and also canceling all future payments, but they are still reporting to Experian that the account is still open
Consumer complaint received 2024-11-01
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. (AL)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the XXXX, Experian, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.