davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (CA)

This has been going on for a few years. I often try to withdraw pesos here in XXXX and the transaction is not completed. Just spits my card out, no pesos. This shows on my Netspend statement as a withdrawal and credit within a minute. Netspend charges me a flat fee of XXXX plus a foreign transaction surcharge on every XXXX of the incomplete transactions. I have tried dealing with them by phone and email, and they have done nothing but insist the fees are applicable even though I received no money from the ATM. These are not overdrafts, it is due to no pesos in the ATM or internet issues. An overdraft fee would be {$1.00}. To me, charging me a fee and surcharge when no money is dispensed is theft. Here is the for instance... I try to withdraw XXXX pesos. The card just gets spit out, receipt says XXXX. Netspend charges me {$4.00} and 3.5 % of the XXXX pesos I never received.
Consumer complaint received 2024-10-05
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC (WA)

An XXXX XXXX XXXX credit card - Concora Credit Account issued by XXXX XXXXXXXX XXXX, Member FDIC closed account due to unauthorized or suspicious activity when I tried to make payment through routing and account number of my banking institution. Their online billing system didn't recognize my routing number and account number, but my banking institution has a special wire transfer routing number that I was able to use for payment and Concora Credit accepted the payments that I paid at the time. These two payments were made on XX/XX/year> and XX/XX/year> in the amounts of {$250.00} and {$150.00}, respectively. The payment due date is XX/XX/year>. A day or two later the payments were reversed. I called Concora Credit and made a payment with the routing and account numbers for my account and the payment has been credited as of XX/XX/year>. Although my payment was being made on the exact same date that the account was being closed, I did not find out until today that they had closed my account for unauthorized or suspicious activity. They mailed a letter that I received today informing me of the account being closed for the mentioned reasons. When I called Concora Credit they stated there was nothing wrong with their online payment portal, which is not correct. I am able to make payments to other companies using my account and routing numbers on their online payment systems but for some reason on multiple attempts Concora Credit reversed the payments. Had I not been paying attention to my account ; I think it entirely possible that I may not have known the payments were reversed and potentially be penalized for a late payment fee and lose the special zero percent interest financing on my purchase. When I called Concora Credit I could hear lots of background noise, which I suspect were people who had payments reversed that were made on their online payment system and they are now penalized with late fees and compounded interest. If I hadn't started attempting to make my payment a month before the payment due date and seeing that the payments were reversed, and instead tried to pay on the due date or a day prior which would've certainly resulted in a late fee and losing my special zero percent interest rate.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

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Skip to main content XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title XXXXXXXX XXXX XXXXXXXX SUBCHAPTER XXXX XXXX Quick search by citation : Title Section 15 U.S. Code 1681 - Congressional findings and statement of purpose XXXX XXXX Notes XXXX | next ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

Things in dispute : Experian -- Credit Collection Acct # XXXX XXXX -- XXXX XXXX XXXX XXXX -- Acct # XXXX XXXX -- XXXX Acct # XXXX, shows paid as agreed, and in reporting dates are incorrect, and old account. 

No credit report match. Somethings reported on XXXX and not the other. 

Please refer to XXXXS Consumer Law 15USC 1680C ( A ) ( 5 ), section status and 15USC 1681 ( A ) ( 1 ) All these disputes are inaccurate and by law this information should be accurate, if not should be removed immediately.
Consumer complaint received 2024-07-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

Hard Inquiry : EQUIFAX CREDIT REPORT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ( FCRA ) Section 605 ( B ) It is illegal to report information on my credit report without my permission. Remove this item from my credit report immediately. I have no accounts with those company 's. This is fraudulent activity on my credit report. 

Employment Info : EQUIFAX CREDIT REPORT XXXX XXXX XXXX XXXX XXXX I have never work for those companys that is incorrect employment history and would like for this information to be remove immediately. 

My correct employment info is XXXX XXXX XXXX XXXX can you update my correct employment information immediately and remove those inaccuracies of employment info. 

EQUIFAX CREDIT REPORT Close Account : Charge off : {$1400.00} Credit Limit : XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show follow ownership of such account and also other documents so I may review to see if this actually an account that belongs to me. 
15USC 1681A ( 2 ) Stating I didnt give written permission to have this account furnish on my equifax credit report account. I would like this account to be remove immediately. 
( FRCA ) Section ( B ) It is illegal to report information on my credit report without my permission. Remove this item from my equifax credit report immediately. 
15USC 1692 ( C ) If a consumer notify a debt collector that the consumer refuse to pay a debt, the debt collector must cease all communication. I ask that you move this immediately. 

Also these items are not reported on my XXXX or my XXXX Credit Report. So I need these items remove immediately.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

XXXX XX/XX/XXXX. {$67.00}. I'm filling a report because I XXXX XXXX Don't make these transactions. XXXX/ACCT # XXXX XXXX XXXX XXXX XX/XX/XXXX. {$4400.00}. I'm filling a report because I XXXX XXXX Don't make these transactions. XXXX/ACCT # XXXX XXXX XXXX XXXX XX/XX/XXXX. {$2400.00}. I'm filling a report because I XXXX XXXX Don't make these transactions XXXX/ACCT # XXXX. XXXX XXXX
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (VA)

Upon checking my credit score I saw that I have been placed in collections for an account I have never had a contract with. A company called RADIUS GLOBAL SOLUTION XXXX has illegally obtained my information and SSN and attached fee to my credit report. I do not have a debt with any company called RADIUS GLOBAL SOLUTION and therefore have no signed legal contract whatsoever taking ownership of said account.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (LA)

This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made several attempts to fix these issues directly with them. They are still violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either give me my money or delete these accounts ASAP.
Consumer complaint received 2024-08-25
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Lennar Financial Services, LLC (NV)

I went to look at properties in XXXX, NV for a new family home, my XXXX XXXX XXXX couldn't accompany me. I let the consultant on duty, XXXX XXXX, know, who told me that it was fine, that my realtor was not present, but later in the purchasing process my realtor was not included. I Sign a XXXX for a Conventional loan with a rate of XXXX, for the property on XXXX XXXX XXXX XXXX. XXXX, NV. XXXX. Important calendar dates : 5 Day Right of Recission Expiration XX/XX/year>XXXX XXXX Day Mortgage Contingency XX/XX/year> Estimated Close of Escrow : XXXX On XX/XX/XXXX ( XXXX  days after the Right of Recission, I unable to cancel ), I was notified regarding the foreclosure on my credit that nobody mentioned to me. I was not notified previously in XXXX when my credit was run by XXXX XXXX. Therefore, my XXXX XXXX was denied but I have not been provided a denial letter for the conventional loan. XXXXXXXX XXXX did not return my deposit nor denial letter for the conventional loan because there is an option of an FHA loan, which is not the original agreement. I have tried to negotiate on many occasions to be supported with the closing costs to mitigate the additional FHA payments that are not within my budget such as : the FHA fee of {$8200.00}, Mortgage Insurance per month {$190.00}. Ultimately, causing an increase in monthly home insurance and property taxes that will be in escrow with impounds ( additional {$290.00} dollars per month ). Many questions were left unanswered such as : a ) Official letter mentioning the previous credits were not possible. b ) In the case where the property is purchased. In XXXX years if I refinance with XXXXXXXX XXXX, could there be a waiver for the closing costs and fees for the transaction? For the reasons previously mentioned, I will move forward and cancel this contract, for XXXX XXXX XXXX XXXX. XXXX, NV. XXXX ; unless there are reconsiderations and a renegotiation that mitigates the changes from the FHA loan, i.e. closing costs. I also request my denial letter of the XXXX XXXX and the return of my deposit for XXXX dollars
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sentry Credit, Inc. (IA)

On XX/XX/2021 ( {$10000.00} ) I was sent a final bill from XXXX XXXX for an appartement. I had been approved for aid from XXXX Iowa, although they had not submitted payment. On XX/XX/2021, I was sent another bill for the same amount. Except, XXXX Iowa has sent payment along with how that payment was to be applied, as payment for other rent was included. {$10000.00} was to be used towards this full amount. Since then, even with proof from XXXX Iowa submitted, Sentry Credit along with XXXX XXXX have continued to deny this payment was sent, cashed, and applied to this debt.
Consumer complaint received 2024-08-24
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Klarna AB (MD)

Since XX/XX/year>, I have been receiving electronic communications from a company called XXXX XXXX, claiming a debt owed to Klarna, a buy-now-pay-later loan service. These communications come through text and email. Due to phishing concerns, I avoid opening any suspicious links sent via email or text. I am wary of the communication because I have not received any validation information via the United States Postal Service. I believe XXXX XXXX 's actions violate the Fair Debt Collection Practices Act as their electronic messages have turned harassing, oppressive, and abusive.
Consumer complaint received 2024-08-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (PA)

I was contacted by Columbia Debt Recovery via XXXX. The XXXX  said I owed {$4700.00}. 

However, I do not owe that debt. My information was stolen and I disputed that account with Columbia Debt Recovery and the major credit bureaus. 

Please send me the original ASSIGNMENT CONTRACT ( s ) that proves that I owe it. 

I want them to stop reporting this information to a credit bureau immediately.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I am not sure who this company is and what theyre requesting. All my credit bill are paid on time, so not sure who this company is and why theyre reporting different. 
Also, since they have violated credit laws by contacting a minor ; XX/XX/XXXX must remove all information from credit report. 

XX/XX/XXXXXXXX
Consumer complaint received 2024-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (SC)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and XXXX.
Consumer complaint received 2024-08-26
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Counsel, Inc. (IN)

I received various phone calls from an unknown number beginning XX/XX/2024. During XXXX of the various attempts, a XXXX XXXX who stated he represents XXXX XXXX XXXX claimed he was calling in reference to an outstanding balance for my deceased mother. I did not return his call. No mail was received at my address. The harassing calls continued and I received voicemails stating that they were going to essentially force me to pay. End of XXXX XXXX of XX/XX/2024, XXXX called XXXX husbands phone asking to speak to me. When asking what the call was in reference to, he stated it was because I owed someone money. XXXX then gave him information regarding the debt. He then threatened my husband demanding payment or there will be negative consequences. My husband ended the call. The calls continued and I answered XXXX 's phone call on XX/XX/2024. He stated he was calling for an unpaid debt for my deceased mother. He did not verify any information with me to confirm the account and wanted to know how I intended to pay the debt. I told him the attorney I had previously been working with advised me not to pay said debt as there is no estate. XXXX told me I signed a document making me liable for said debt and that after seeing the paperwork, my attorney would advise me of same. I asked for the documents to be send over to review. I received the documents via email from a representative from the company. They are attached below. While my signature was reflected on the document, I was not the POA at that time. That section appears to have been filled in by someone else. Regardless, I am not liable for said debt. It it clearly defined within the perimeters of the contract. They have not used CFPB approved forms, granted proper service, read the XXXX XXXXXXXX, and have continued to harass/threaten myself and my family for a debt I do not owe. Furthermore, the email with the paperwork stated that the company is based out of Florida and I am located in Indiana ; therefore, I believe there may be come jurisdictional issues as well.
Consumer complaint received 2019-08-07
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC (WV)

This has been going on since XX/XX/XXXX with movement mortgage and they have attacked my wife XXXX XXXX XXXX and not updating us on our loan or giving us the closing cost. When you call there corporate they are giving you the run around refuse to update you and pass you down to XXXX XXXX and he will not return your calls or emails and making threats. They are not being professional and already out XXXX dollars without a key to my home
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have contacted this company XX/XX/year> and the item is still on my credit report. I did not get a response from them. I asked for the debt to be validated by their company within 30 days and I have not received the letter. 
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Deht nor therefore any such debt in fact exists.
Consumer complaint received 2024-08-23
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC (NY)

I am facing financial difficulties due to a lack of work and contacted Concora Credit, which manages XXXX of my credit XXXX and XXXX apply for their hardship program. However, I was surprised to learn that they would need to close my accounts if I opted for this program, which seems unusual since other credit card companies do not have such stringent requirements. I was hoping to reduce my monthly payments and interest rates without incurring late payment fees.
Consumer complaint received 2022-12-03
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. (GA)

Ive reached out to each credit bureau XXXX, XXXX and a Transunion regarding the XXXX XXXX Credit card thats on my credit profile. XXXX XXXX XXXX was aware that I did not authorize and make purchasing with that credit card. Upon speaking with XXXX XXXXXXXX XXXX back in XXXX they assured me if I settled and pay a portion they would remove account from credit file. I also sent them a copy of the police report which states my XXXX XXXX card stating there were unauthorized charges on my account XXXX XXXX did nothing about it. I have both conversations saved on my phone. I recorded all conversations. XXXX XXXXXXXX XXXX had me settled account stating they would move account from credit file and did not honor their word. At this point I would like for XXXX XXXXXXXX XXXX to provide me a copy of every transaction along with signatures and copy of Drivers License used to open the account. XXXX XXXXXXXX XXXX should be able to provide all this information if they are stating I allowed these charges. I know they wont be able to provide anything with my signature or acceptance. If account is not removed from credit file Im going to hold XXXX XXXX XXXX XXXX, Transunion and XXXX liable for punitive charges. Also, I would like for XXXX XXXX XXXX to provide me with the agreement stating I have them permission to share my personal information with Transunion, XXXX and XXXX. According to the Fair Credit Reporting Act I have to consent and so never did.
Consumer complaint received 2024-08-23
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: Self Financial Inc. (FL)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (CA)

The inclusion of these unauthorized account has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized account : XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Aldridge PIte Haan, LLP (GA)

I checked my paycheck stub and noticed that I had a garnishment unbeknownst to me. I do not know what this debt is for and did not have proper notice to dispute this debt nor was I ever made aware of any court dates I needed to be present at to answer. My employer also did not make me aware of this before hand. The attorney representing the company is Aldridge P Han. When I spoke to them they only had basic information and said the company is called XXXX XXXX. I have never heard of this company or had any business dealings with them