davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (IL)

inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer repo prepares a consumer report, it shall follow reasonable procedures to assure th possible accuracy of the information concerning the individual about whom the relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In after any reinvestigation under paragraph ( 1 ) of any information disputed by a c an item of the information is found to be inaccurate or incomplete or can not be v the consumer reporting agency shall- ( i ) promptly delete that item of information file of the consumer, or modify that item of information, as appropriate, based on results of the reinvestigation; and ( ii ) promptly notify the furnisher of that informatio the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX should remove midland credit management company from my credit report immediately
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXXXXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (AR)

In accordance with the FCRA, ( XXXX, XXXX, XXXX, LexisNexis, XXXX, XXXX, XXXX ) has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 6802. According to 15 U.S.C 6802 ( b ) ( B ), I was never given the opportunity to opt-out from having my personal information reported to third parties. I have the list of Accounts that I will post here! ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am Attaching identity and proof of address!
Consumer complaint received 2024-08-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (NY)

I replaced the air conditioning air-handler from my local air conditioning dealer. They arranged for me to pay off the amount ( {$5900.00} ) through Service Finance Company LLC. I received a welcome letter from Service Finance, but never received a bill or a contract listing the terms and conditions. I never received a monthly statement listing the amount owed each month and the address to send the payment to. 
I got the information I needed today, XX/XX/year>, when I called them and, after XXXX or XXXX calls got an email from them with the information I need.- BUT, the payment is due in XXXX week, and the XXXX day Labor Day weekend is coming up. 
I still have not been able to set up an online account with them where I can monitor how much I owe and which shows how much I paid. 
I tried to pay them by phone, a service they offer. I entered all the information they wanted and the amount I wanted to pay. ... and then there was silence. I have no idea if they got my payment or not. 
Using the billing statement that I got online today, I sent them a check for this month 's payment, {$160.00}, but sent it by overnight letter so I know they will get it this week. ( It's due on XXXX XXXXXX/XX/XXXX. ) They need to send me a contract showing how much I owe, how I should pay each month, and the date that the no-interest offer expires.
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

It looks like my old management company sold them a debt they weren't owed. I won an eviction because of the conditions I was living under. They got possession with no back rent. The eviction was also sealed. The contacted me months ago to provide the court documents, which I did. I still have the email from XXXX. The then sent me a paper XXXX  days ago saying they could get ahold of my lawyer. Which they shouldn't be contacting anyways. Then they actually put the debt on my credit report.
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Mercari, Inc. (PA)

Sold a speaker for approximately {$260.00} on XXXX to a buyer that had a new account and no ratings. Item was sent to the buyer and once it was delivered I had to wait three days to withdraw my money. 

Third day came and I initiated a withdrawal. Everything was fine and approximately 12 later I receive a message that my withdrawal had been canceled and my account was limited. 

Support gave me a 24 hour timeframe. I still have not heard back from them. 

Looking for somebody to step it and get this taken care of. I filed XXXX complaint as well.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (NC)

I am trying to access my Marcus by Goldman Sachs savings account. I need the money urgently. They locked me out of my own account. I called them to unlock and answered all possible questions correctly, yet they say I can not access my account. They wont tell me the reason either. Now they say theyve sent me an affidavit which I need to sign and send back which doesnt arrive at all. I never thought customer service can be so bad. They are defining new levels of poor.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (MN)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries 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 all unauthorized accounts and inquiries.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Climb Credit Inc. (IL)

I am in disagreement with the Account listed below Which steel appears on my credit report, even after your investigation. I would like this immediately reinvestigated inaccuracies are highly injurious My credit score. 
XXXXXXXX XXXX XXXX  } { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXX { CLIMB } { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXX XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } In accordance with the Fair Credit Reporting act Public law 91506, Title Vl, Section 611.

Please provide the name and business addresses of each individual which whom you verified above so that I may follow up please send me an updated copy of my credit report after your investigation.

Thank you.
Consumer complaint received 2023-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (LA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (DC)

Truist Bank offers simple checking with Visa Debit Card / ATM card.

Debit Card purchases are considered cash purchases and aren't credit or line of credit to a bank account. A Debit card is used where Visa purchases are accepted. When consumer / account holder reports a discrepancy or disputes a purchase or transaction ; the Customer Service dispute claims department takes the information and submits it to a Claim Analyst ; the Analyst is unknown to the consumer and doesn't communicate with the consumer. Most times the conversation are recorded or monitored ; in some cases the consumer disputing a transaction relays the information to representative then process the data and sends to Analyst to review the claim. It's unknown how the Analyst processes the claim. Consumer were advised that the Dispute had been analyzed and reported no discrepancy with the transaction. However, upon reviewing the dispute and going over the actual line of communication ; person taking the initial claim of dispute report made errors in the claim itself. To clarify ; Consumer had paid transaction with another card and were requesting the debit be charged back. 
The error by Truist in collecting the accurate information is reason the dispute were denied. The transaction was a duplicate payment made by the Consumer, not a duplicate debit card charge made by the Merchant. The Merchant charged a second card with the same amount ; {$490.00}. When Merchant uses two different cards ; for duplicate payments, only one charge appears on each card. Although the transaction were overpaid by the consumer.

Trust Bank is refusing to credit back the consumer and indicating the Merchant didn't duplicate a payment to the Truist Card. Even though the Merchant collected same payment on another debit card.
Consumer complaint received 2019-12-19
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: EQUIFAX, INC. (WA)

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$16000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle that was purchased had broken down and was deemed a total loss. I had GAP insurance and the total cost of the vehicle was covered by this insurance. There is no outstanding balance due and consequently nothing to collect or charge-off. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to have this line item removed from my credit report however, I have not been successful.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upgrade, Inc. (FL)

XX/XX/year> Dear ( XXXX, XXXX, XXXX ) I received a copy of my credit report and I have found the following item listed below to be in error. This account is listed with late or missed payments and that is incorrect. The following account was NEVER late and should be listed as PAYS or PAID AS AGREED. The account listed below was put on a Financial Hardship agree as of XXXXXXXX  due to a natural disaster in XXXX, FL . On this date Upgrade was aware of three hurricanes hitting in my area. So I was advised by a representative that I would be put on a financial hardship agreement where I would only pay {$30.00} a month. I mad those payments and even paid over {$30.00} some months. Then XXXX XXXX XXXX was hit by hurricane XXXX that turn into a tropical storm. I contacted upgrade again and they switch my hardship to a deferred plan. With both plans per contract they do not report to the credit bureau. I will be attaching statements that show I was making {$30.00} payments or more per my Financial hardship contract. 


Upgrade XXXX Account Number # XXXX I was never late on ( XX/XX/year> ) on this account please update the account as Paid/Current.
Consumer complaint received 2024-08-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (MO)

Sent notice to debt collection company asking to validate debt was mine and an agreement with my signature authorizing the release of my personal information to their company, as well as a cease and desist on all communication and collection attempts/activity moving forward. Company failed to vaildate this debt, provide the information requested, as well as remove the account from my credit report with the all 3 bureaus.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

My HELOC was to mature XX/XX/scrub> 2024. In XXXX I began talking USAA knowing I would be able to pay the {$110000.00} balloon payment on or before XX/XX/XXXX. USAA pointed my to Long Term Loan Modification program designed for individuals sharing my circumstance. On XX/XX/XXXX the application was submitted for review. Will under review the application stated all term and payments remain unchanged. I never heard anything further. I havent heard any from USAA regarding my application. I was not notified if the application was approved or denied and if denied, why. In XXXX I attempted to make my regular, interest only pay, it was refused. Instead, contrary to the conditions of the loan application USAA demanded {$110000.00}, or payment in full. The thing happen in XXXX. I sold my home at the end of XXXX, closing escrow on XX/XX/year>2024. The loan with USAA paid in full on XX/XX/XXXX. Despite the provisions of the loan application and the fact that I made attempts to make payments in XXXX and XXXX they insist on reporting the account 30-60 days last to each on the credit bureaus making it impossible to qualify for a new mortgage.
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc (MN)

On XX/XX/XXXX I filed a dispute with chime bank for some unauthorized transactions made on my chime credit builder card they said a credit was issued but nothing in my bank account I contacted them and they said they have to issue me a check as the account was closed. Yes it was closed by them the day I filed the dispute but they could not answer how a account that was closed could be credited and I asked them to send it to my checking account so I could pay bills that I have been waiting 2 months to pay while this dispute played out now they said they will issue me a check when the account is closed and they can't do anything cause it not a active account and once it is closed it can't be reopened so they ha e my {$580.00} and won't give it back
Consumer complaint received 2024-08-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: BROKER SOLUTIONS, INC. (MI)

On XX/XX/year> I contacted New American Funding for a Mortgage Loan. I spoke with XXXX XXXX. I provided her with all necessary documentation to support this process. XXXX was aware that I am a first time home buyer. She provided myself and my Realtor XXXX XXXX with a Pre Approval by email. XXXX informed myself and XXXX that I was approved for $ XXXX we discussed budget not to exceed over $ XXXX. I searched for homes at times XXXX would contact me by phone or text message regarding if I had found any homes. I was unaware that I faced a loan advisor change at random until I was informed by the realtor. She provided me with the individual details whom name is XXXX XXXX. She was not very communication and very hard to reach versus XXXX. She informed me that she was my new loan advisor after my many attempts of contacting her by phone and email for information on my status and reason for the switch in loan advisors. She informed me that XXXX had left the company and no longer worked for New American Funding. She stated she had recently received my information from her supervisor XXXX XXXX. XXXX language over the phone was unhelpful and very unkind. She stated that I was no longer approved for any loans after she ran a hard pull credit check and took all my documentation that I provided XXXX again. I requested to speak with her XXXX which is XXXX XXXX who informed me XXXX XXXX was terminated due to falsely stating inaccurate information on clients documents to obtain pre approvals. I was again told I did not qualify needed more money down and more time. I then requested our business relationship to end. I was told by XXXX that a disclosure would be sent to me via mail.
Consumer complaint received 2024-08-26
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (CA)

On XX/XX/XXXX a payment of {$1800.00} was made in error and then came back returned on XX/XX/XXXX. The returned payment was paid on XX/XX/XXXX with XXXX other invoices with a return credit of {$2400.00}, in which I paid {$36.00} from my bank. Home Depot Commercial has since put my account on hold because of the returned payment ( or so they say ) of the {$1800.00} which they kept telling me that I had to make this payment, not really understanding any of it I agreed to pay {$1400.00} after subtracting my recent payments from that number. The way that the commercial accounts have always worked, any payments have to be attached to an invoice but this payment is not attached to anything, my balance hasn't changed and it isn't attached to anything. This for a while now is leading me to believe that Home Depot/CitiBank isn't properly their employees, if they would've investigated they would have known that my returned payment was already paid which is what I was trying to tell them, but they acted like I was incompetent and didn't know what I was talking about. I have pictures of the returned payment but I also have pictures of the returned payment being paid for. They said that's why its on hold, giving me no choice but to pay {$1400.00} to get my account out of a hold status and would take XXXX, but that was 3 days ago and it is still on hold and my account still has an error which leads to believe they have no idea what they are doing. All they have to tell me is how long is my account on hold and why they waited XXXX weeks to put it on hold.
Consumer complaint received 2024-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (FL)

Mohela has been secretive, unavailable and isn't set up to manage student loan debt. I've been inquiring about my PSLF status for roughly 3 years. I haven't heard anything regarding the status of my application, only that it has been received. This has caused financial hardship in that working in a XXXX XXXX XXXX XXXX, I am sacrificing compensation for forgiveness of loans. In three years, Mohela hasn't even looked at the application. Have I just worked three years in a position for the sole purpose of debt relief, but the application itself hasn't been looked at? Why would I continue to keep working in a XXXX XXXX XXXX for loan forgiveness if the service provider is not communicating with me? Recently, Mohela has won a major supreme court decision that affects my assets and well-being. They put a lot of assets into the court case, but nothing in the way of providing the service they claim to offer. It is this blatant disregard for the borrower and their lust for profits that is terrifying. Since taking over the " service provider '' role, Mohela hasn't provided anything, but confusion, potential wage and career loss and stress. Mohela is only interested in profit and it is very obvious in the way they ignore the borrower and are only visible when they are in court attacking our payment plans.