davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (CA)

I filled the original complaint # XXXX. The claim was Mr. Cooper resolved the issue and the case was closed. This is in no way accurate. 

This is the second year my mortgage company Mr. Cooper has failed to pay my insurance policies through my impounded escrow account. I was forced to pay both policies out of pocket even though there were sufficient funds collected in my escrow account to make the payment. {$5800.00} for the XXXX XXXX XXXX  {$1000.00} for the XXXX policies in escrow. Total {$6800.00} Mr. Cooper has not performed in good faith after failing to paying my insurance XXXX in a row and allowing my fire insurance to lapse, it seems I am the only responsible party capable of paying correctly and on time. 

XX/XX/year> update : I have received the {$5800.00} for the XXXX XXXX XXXX but the {$1000.00} for the XXXX has not been returned.
Consumer complaint received 2024-10-11
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (ME)

XX/XX/XXXX XXXX XXXX XX/XX/XXXX returned XXXX bal of XXXX XX/XX/XXXX Paid successfully on their website XXXX paid in full. 
then in XXXX the rejected the payment after they charged me {$30.00} in late fees. they said they do not take savings information, which they did successfully. It is not a savings accout XXXX there was no problem on the website, this was a way for them to get {$30.00} more from me. I complained, they said they wouild only charge me {$15.00}. which is crap.this is either thier poor programming or they do this on purpose. I Paid AGAIN XXXX which included XXXX interest i should not have paid. no they are charging me {$40.00} of Late fees which is now twice as much as I originally bought. They purposefully did not take my payment and tricked me, letting me know it was paid in full then saying they would not take. The are now saying i owe them XXXX which is the amount of all thier late fees, on items I already paid. 
poor poor business practices
Consumer complaint received 2024-10-11
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. (AZ)

I am writing to file a complaint regarding Citibanks failure to refund {$1200.00} that was wrongly withdrawn from my account. This charge was the result of a purchase made through XXXX for Costco, but the purchase was made by my mother using her debit card, not mine. I contacted Citibanks dispute department to bring this issue to their attention. The representatives at the dispute department acknowledged that there was an error and confirmed that the transaction was charged to my account inappropriately due to a mix-up in debit cards. They assured me that this was clearly visible in the transaction logs and that I should be refunded for the {$1200.00}. However, despite the dispute departments findings, Citibanks investigation team has refused to issue the refund. Their team has failed to recognize the same error that the dispute department identified, leaving me with no resolution to the issue. The investigation team seems to have overlooked or misunderstood the evidence showing that the charge should have been processed using my mothers debit card and not mine. This situation has caused unnecessary financial stress, and I am deeply frustrated by Citibanks inability to resolve such a clear and straightforward issue. I am requesting that your office assist me in resolving this matter and holding Citibank accountable for the error and the delays in refunding the {$1200.00}. I appreciate your attention to this matter and look forward to a swift resolution. This is the second time I've had to file a complaint against this banking institution, and it's becoming a frustrating experience on my end. I am dangerously close to pulling all my funds out, closing my account with Citibank, and opening another one with a more reputable bank
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GREENSKY OPERATIONS, LLC (NY)

I recently went for a mortgage. I was asked if i had any charge offs i said no. I discovered GreenSky was reporting an account im still paying on, one more payment and its paid in full as a charge off. On XX/XX/year> I contacted green sky as they had informed me my account was getting charged off. This was after making one payment and scheduling another. I told them they had given no notice and my financial situation was changed. I also asked how they could charge iff an account i was currentky making payments on. They responded they were forwarding information. My account access was restored and ive made payment 's and they have shown the full balance since then. Their website can valudate my payments. They KNOW and have records of my Payments. They keep generating bills. They have reported the account as Charge off of over $ XXXX for over 10 months. They are not reporting my payments. They are reporting as charge off when CLEARLY its not. I disputed TWICE with exoerian and they returned TWICE without the payments and as a charge off. Thus us CLEARLY FALSE AND INNACURATE information. I messged them twice on their website. 
This is intentional. They are causeing me direct harm when they have clear data that disputes their reporting. This is malicious and criminal. They are reporting charge off amounts that is factually money recieved in payments from me. I want it fixed immeadiately and damages since I gave them notice and even disputed and they returned the same information knowing it was innacurate.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation (CA)

On XX/XX/XXXX I called Bridgecrest in order to receive the 1099-c for the car acct that is currently showing on my consumer report as charged off. This account was charged off in XXXX of XXXX  and reported to such to consumer reporting agencies, and pursuant to the IRS manual, I am supposed to receive a copy of the 1099-c form when entities report the cancellation of an account to the irs. Bridgecrest stated they are not required to provide me this information which is false as any debt cancelled over the amount of {$600.00} is to be reported to the irs as income to the customer. This form is necessary for me to receive as I need it for the upcoming tax year. Bridgecrest can not continue to collect on a debt that they advised the IRS they cancelled. I am asking the CFPB to intervene in this matter and have this company send me the documents they are required to send after waiving a debt. The IRS has also been notified of this behavior and a report for securities fraud has also been made.
Consumer complaint received 2024-09-25
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. (OH)

-DEPT OF EDXXXX XXXX Balance - {$7100.00} Date Opened- XX/XX/year> Type of account -student loan action took a letter no response
Consumer complaint received 2024-08-24
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. (MI)

( IDENTITY THEFT REPORT ATTACHED ) The FCRA was created to protect the privacy of consumers confidential information and to ensure CRAs do what's fair and equitable for the consumer in which Experian has failed to do as they are reporting a FRAUDULENT XXXX ACCOUNT ON MY CREDIT REPORT. Experian has allowed XXXX to Intrude upon my private information. 
BLOCK THE FRAUDULENT ACCOUNT AS REQUIRED BY LAW ( FCRA ) TO PREVENT ME FROM OCCURRING FURTHER DAMAGES.
Consumer complaint received 2024-10-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Request for Refund of Remaining Amount XXXX XXXX XXXX Transaction. I'm requesting a refund of the remaining balance from a transaction I made on XX/XX/year>, with XXXX XXXX XXXX XXXX XXXX, where I was charged {$140.00} for digital currency that was not delivered. I appreciate the partial refund of {$140.00} issued on XX/XX/XXXX, but there is still {$6.00} outstanding that has not been refunded. 

I contacted the merchant, and I was informed that the remaining amount was a fee ( shipping/handling fee ) charged by PayPal. However, PayPal has advised me to resolve this with the seller, as they will not handle this issue on their end. I also opened a dispute with PayPal, explaining my situation, but they denied the case, stating that the transaction was not covered under their Purchase Protection. 

As mentioned to both PayPal and the seller, under U.S. lawspecifically regulations by the Federal Trade Commission ( FTC ) merchants are obligated to deliver purchased goods within the agreed time frame or provide a full refund. According to the FTC 's guidelines : If you cant ship within the time you promised ( or within 30 days if you made no promise ), you must notify the customer of the delay and provide a revised shipping date. You also must give the customer the option to cancel the order for a full refund or to agree to the delay. 
Moreover, if verification of identity or payment was required, this should have been communicated upfront, and the seller is still required to offer a full refund, including any fees, if they can not fulfill the order. In this case, there was no prior agreement about a verification process before the purchase. XXXX XXXX XXXX XXXX is based in XXXX, this transaction involved an international sale to a U.S. consumer. Cross-border transactions remain subject to consumer protection laws that enforce transparent and fair sales practices. 

If this issue is not resolved, I will be forced to proceed with a chargeback through my credit card issuer to recover the outstanding {$6.00}.
Consumer complaint received 2024-09-05
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. (FL)

PLEASE BLOCKED AND REMOVED I insist on the removal of these erroneous accounts from my credit report, as I never authorized their inclusion. It is vital that you expeditiously erase this misleading information from my records.
Consumer complaint received 2024-10-08
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: SYNCHRONY FINANCIAL (CA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear SYNCB/PPC, I am writing to address the unauthorized reporting of information to my credit report, which is a violation of both federal and California state laws. Under the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Californias identity theft and consumer protection laws, this reporting has been done without my explicit consent. 

It has come to my attention that SYNCB/PPC has engaged in unauthorized reporting to my credit report, violating both federal law and the California Identity Theft Statute under Section 530.5 of the California Penal Code, which criminalizes the unauthorized use of personal identifying information. The FCRA mandates that a consumers consent is required for such reporting activities, as stated under Section 1681b ( a ) ( 2 ).

Furthermore, Californias Civil Code Section 1785.25, part of the California Consumer Credit Reporting Agencies Act ( CCCRAA ), emphasizes that no consumer credit information should be furnished without proper authorization, and such reporting without consent is a direct violation of my rights under both federal and state law.

I assert that I have not provided any consent to SYNCB/PPC to report any information to my credit report. This lack of authorization constitutes a blatant violation of my rights, causing potential harm to my credit standing, and represents a disregard for the legal protections set forth by federal law and California law.

I demand that SYNCB/PPC immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required under Section 1681b ( a ) ( 2 ) of the FCRA and Section 530.5 of the California Penal Code. Failure to comply within the next 30 days will be treated as intentional noncompliance, subjecting SYNCB/PPC to penalties under applicable federal and state laws, including those governing identity theft and consumer fraud in California.

This is not a negotiable request ; it is a demand for compliance with both federal and state regulations that protect consumers from unauthorized and harmful credit reporting. I expect prompt rectification of this matter, ensuring that my rights under these laws are fully respected.

Done in good faith.
Consumer complaint received 2023-06-01
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: Kikoff Inc. (TN)

I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " KIKOFF LENDING LLC, XXXX ". This charge may lead to a lawsuit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX https : //www.justice.govXXXX
Consumer complaint received 2024-09-05
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. (FL)

This version is slightly more formal and structured for clarity. I am writing to formally dispute several inaccuracies on my credit report that persist despite prior verification efforts, which indicated the information was accurate and verified report # XXXX. 

These discrepancies pertain specifically to my XXXX account ( # XXXX ). 
1. **Past Due Balance on Charge-Off : ** The report shows a past due balance of {$3400.00} as of XX/XX/XXXX, on an account that was charged off. It is unclear how this balance remains after the charge-off occurred. I request clarification on this issue? 
2. **Inconsistent Charge-off : **This account is listed as a charge-off under your XXXX XXXX : XXXX According to Experians glossary ( XXXX ), a charge-off does not have a recurring charge off code in the payment status of your glossary, yet my report shows recurring charge-offs each month. This does not align with XXXX guidelines and must be addressed. Given these inconsistencies, I request a full validation of this account, including a copy of the originally signed contract bearing my signature. Additionally, I would like to remind you that, as of XX/XX/XXXX, the Consumer Financial Protection Bureau ( CFPB ) amended the Fair Credit Reporting Act ( FCRA ) Summary of Consumer Rights. Consumer reporting agencies are now required to provide consumers with this updated summary whenever there is a request for disclosure of their consumer file. Please ensure this is included in your response. Thank you for your prompt attention to this matter. I expect a thorough investigation and the deletion of these inaccuracies. 
Proof of documentation is uploaded.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MA)

I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following dates ) : XXXX XXXX XXXX XXXX XX/XX/year>. XXXX XX/XX/year>. Equifax. 
These dates do not agree with each other, that is inaccurate information. 

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that I am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would time fore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 

Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive.
Consumer complaint received 2024-09-25
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. (TX)

I am writing to file a complaint against TransUnion regarding unauthorized hard inquiries on my credit report. Despite my efforts to dispute these inquiries directly with TransUnion, I have not received a satisfactory resolution. 

Details of the Unauthorized Inquiries : XX/XX/XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize any of these inquiries and was not informed that my credit report would be accessed for any purpose. Under Section 604 of the Fair Credit Reporting Act ( FCRA ), I am entitled to have unauthorized information corrected or removed. 

I have formally disputed these inquiries with TransUnion, as documented in my letters. Despite my efforts, there has been no resolution, and the inquiries remain on my credit report. 

Additionally, I have reported potential identity theft to the Federal Trade Commission ( FTC ) as I suspect these inquiries may be linked to unauthorized activity.
Consumer complaint received 2024-08-26
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

I bought a {$500.00} Incomm Vanilla Visa gift card from supermarket XXXX on XXXX/2024. I tried to use the XXXX gift card on XX/XX/year>2024 and XX/XX/year>2024 at XXXX, gas station, and online, and the XXXX gift card did not work. I called Incomm at XXXX to ask for a refund check of the remaining balance {$500.00}. I emailed Incomm at XXXX with a copy of the front of the card, back of the card, receipt and card packaging, and signed letter requesting a {$500.00} refund check. Refund request number XXXX.
Consumer complaint received 2024-09-05
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. (NC)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Holloway Credit Solutions (AL)

I moved out of my townhome where my husband and I rented from XXXX XXXX XXXX on XX/XX/XXXX. We have been staying there since XXXX of XXXX. This collection from Holloway Credit Solution in the amount of {$3600.00} was added just XX/XX/XXXX but the account has been opened since XX/XX/XXXX and I was not informed of any of this. According to my credit report, the Holloway Credit Solution bought this debt from XXXX XXXX XXXX. I was not informed of this balance from the original company. I did not authorize the original company to sell my information to a collection agency. This collection is not on my husbands credit and we were both on the lease. I am the only XXXX affected by this collection and it is hurting my credit.