davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
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: Resurgent Capital Services L.P. (LA)

Dear XXXX, I received your response letter and thank you for sending that information. After reviewing the documents you sent me its clear that you dont have any documentation to show that I owe YOU or that YOU have the authority to collect from and I WILL NOT BE PAYING YOU! This proves nothing and if this account is not removed from my XXXX, XXXX, and XXXX XXXX reports expeditiously I will move for with my legal claim. This is your final notice that I will not be paying you for this debt as you have NEVER contracted with me and XXXXResurgent Receivables has no authority to collect anything from me.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MI)

I received a voice mail from Mr. Cooper with the actual customer support number of Mr. Cooper, phone number, XXXX. The voice mail stated " This is Mr. Cooper your home loan company calling about your property at " XXXX XXXX ''. Please call us at XXXX. You will be asked to enter personal message code XXXX. Thank you from Mr. Cooper, we are a debt collector. '' I was suspicious of this message because I have two mortgages from separate companies and the street address mentioned is not a mortgage held at Mr. Cooper 's.

My complaint begins when attempting to contact Mr. Cooper 's about this fraud. Although they state on their site that you can file a complaint, there is not a way to file a written complaint. I spent over a half-hour trying to navigate a phone tree to file this complaint about a fraud. I finally spoke to a customer service agent who took my information and told me that they would leave a note in my account that this occurred. I am complaining because I want written verification about this incident because of the data breach that occurred last year- I'm concerned that my accounts are being targeted. I think Mr. Cooper should make it easier to speak directly to a customer agent regarding fraud and they should give written confirmation to their customers.
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple requests, the inaccuracies in these accounts have not been addressed, and I have yet to see any resolution or corrective action. These errors are causing significant harm to my credit file, severely affecting my ability to live a normal life. 

The impact of these inaccuracies has placed me in a difficult situation, and I am left with no choice but to urgently seek your help in resolving this matter. I kindly request that a thorough investigation be conducted into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your assistance, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXXXXXX The following inquiry was not authorized and should not be reporting XXXXXXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (CA)

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 the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-02
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. (GA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries XXXX XXXX XXXX DEPT OF ED 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp. (NC)

XXXX XXXX is reporting on a debt that another debt collector is also trying to collect on the amount is not consistent they also have texted me and emailed me without ever sending a later I'm unsure how they got my personal contact information unless XXXX XXXX sold that information as I have never reached out to this company and as stated XXXX XXXX is submitting this as a new debt on my credit report while not collecting on it. This same debt is listed on my credit report 4 times now. XXXX XXXX was previously informed to not contact me and yet appears to have sold my contact information
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (CA)

This company put a derogatory account on my credit report that I had no dealings with and when I contacted them they told me it was to long ago and they dont have any documentation to provide because of the date. This account is not mine and under 15 is code 1666 ( b ) ( 2 ) the company that is trying to obtain payment must validate the debt and they never have. I asked them to send me documentation proof proving that this debt is mine and to this they have not and without validation of debt it must be removed. Please remove this fraudulent account from my credit report ASAP! This debt isnt on any other report but XXXX so it must be resolved immediately!
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION (NC)

State Employee Credit Union in XXXX of this year allowed over {$1000.00} to be with drawn for XXXX charges I did not make. The bank did not return funds until after a complaint to CFPB was done ( over XXXX weeks and daily attempts to contact ). This has happened again!! Over {$400.00} since XX/XX/XXXX has been with drawn, and XXXX again lack concern or care. I was contacted, and charges were not flagged yet again! XXXX was opening a case, however this needs to be expedited and handled. This is the same merchant, same types of charges. XXXX {$100.00}, XXXX {$53.00}, XXXX {$21.00} How are they not flagged or a consumer contacted confirming unfamiliar repetitive activity! I am not waiting XXXX weeks for the lack of empathy and care, and the banks negligence at monitoring transactions.
Consumer complaint received 2024-09-04
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

They didn't properly investigate the charges. They didn't handle it professionally they credited my account for {$12.00} dollars for 12 transaction from ATM withdrawal the same withdrawal that I was disputing but couldn't refund the money that was took out from those transaction they refunded ATM fees for but I also have new documents proving they know back then about the fraud that was going on when it was occurring which I will upload for us guys to review
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (AL)

I looked at my credit report and noticed that there were fraudulent accounts, incorrect public record reporting, as well as, numerous errors in the addresses, telephone numbers, and employment information on my credit report. I then filed several disputes with the furnishers of the information by way of the credit reporting agencies. I then sent additional information to the creditors after they requested it. I did inform them that the items were because of Identity Theft and I also sent in the proper documentation in the form of a Federal Identity Theft Report, A Dispute Affidavit signed and notarized informing them of what I was requesting, per my rights as a consumer under the FCRA ( Section 623 ( a ) ( 6 ) and Section 623 ( a ) ( 2 ) ) ( Section 605 ( B ) and Section 605 ( f ), the accounts that I was requesting to be blocked or deleted because of the ID Theft, ( Section 623 ( b ) ( 1 ) ( E ) ), as well as the remedy for the effects of the Identity Theft. Both the credit reporting agencies and the creditors themselves. received copies of all this information and for the most part, they both basically ignored the laws of the Federal FCRA 15 USC Section 1681-1681y, Section 623 ( a0 ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Reporting Inacurate Information 623 ( e ) Accuracy of Information Provided by CRA and the XXXX  of said information.623 ( a ) ( 2 ) Duty To Correct and Update Information These are some of the laws that they have broken.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-31
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. (IL)

I contacted XXXX and Experian about the XXXX reporting collections they both have on my consumer report. The debt has been cancelled with a XXXX for both reporting collections and I have disputed the collections but XXXX and Experian fail to remove the collections even after I disputed them. They are in violation of my rights.
Consumer complaint received 2024-10-02
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: EQUIFAX, INC. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting 2 XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX ALLY FINANC XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX XXXX XX/XX/XXXX The following inquiry was not authorized and should not be reporting XXXX CCB/IDD XXXX XXXX following inquiry was not authorized and should not be reporting XXXX CCB/IDD XX/XX/XXXX The following inquiry was not authorized and should not be reporting
Consumer complaint received 2023-09-07
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX - {$0.00} - XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX - {$0.00} - all3 Account Name : XXXX Account Number : XXXX - {$0.00} - XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Klarna AB (CA)

XXXX I ordered three bras from this company through Klana the merchandise was not what it was supposed to be the material was terrible and sewed together, reported to Klarna and the company called XXXX and never responded to refund my money and now Klarna is not helping as well I called I sent pictures proof of emails and nothing was done so I paid the XXXX off
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.
Consumer complaint received 2024-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

Sent a XXXX for payment through Secured Registered Mail. This is shown as " received '' by IRS on XX/XX/year>. Registered # RF XXXX XXXX XXXX XXXX. Account is still showing as unpaid regarding Discover Card.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (FL)

CitiBank NA repeatedly sent me a Member Advantage Miles Checking with a reward if I complete certain actions in a given timeframe. The reward was XXXX American Advantage Bonus points WITHIN 30 CALENDAR DAYS FROM THE DATE YOU COMPLETE ALL REQUIRED ACTIVITIES. The time period allowed to complete the activities was up to 90 days. I opened offer account on XX/XX/XXXX and FULFILLED THE REQUIRED ACTIVITIES ON XX/XX/XXXX. On XX/XX/XXXX, I contacted CITI by phone and was told that I had fulfilled all the requirements and that the points would be awarded by XX/XX/XXXX. Citi did not FULFILL ITS OBLIGATIONS PER THE OFFER. I called CITI on XX/XX/XXXX and was again told that I had fulfilled all the requirements and that points will be awarded in 2 business days. Nothing happened. I again called on XX/XX/XXXX and was again told that it would be resolved within 5 business days. Nothing happened. Another call and I was asked to wait 12-24 business hours. I wrote an email to Citi XXXXxecutive VP XXXX XXXX. A representative called me and told me it would take 15 calendar days. On XX/XX/XXXX a CITI representative INCORRECTLY told me that the award will be on XX/XX/XXXX. IT IS NOT PER THE OFFER. I again followed up with Citi Executive VP on XXXX XXXXand expressed that the rep had not read the text of the offer and failed to address what is in the offer. Another rep called me and stated another 15 days. No end in site.
Consumer complaint received 2024-09-04
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: UMB FINANCIAL CORPORATION (FL)

I was accepted for a XXXX XXXX  with UMB Card Services the beginning of XXXX. They sent me a brochure stating that all purchases made at the XXXX XXXX XXXX, ( a nationwide retailer of farm goods since XXXX ) would be entitled to 5 % cash back beginning XXXX XXXX. 

I have not received the rewards from the credit card company, or XXXX XXXX. I have spent thousands of dollars at the store since XXXX. I have contacted both companies ; the retailer and credit card servicer, twice regarding this matter. Each one tells me I have to talk to the other which I did to no avail. 

I have to imagine that other consumers have run into the same situation as mine.
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-06-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK (OR)

Discover Bank : this card was opened fraudulently, and I don't know anything about this card I saw this on my credit card my statement, and I went to file an alert with XXXX and I noticed this activity and 100 % of it is fraudulent! XXXXXXXX XXXX : this credit card was opened 100 % fraudulently, And I believe someone stole my identity from the IRS and filed a tax return in my name twice I put it personal filing PIN on my IRS account and when I went back on to my XXXXXXXX XXXX I saw multiple items that were opened up that I do not have anything to do with! XXXX XXXX  : this account was opened up 100 % fraudulently when somebody got my passport and a copy of my ID in California and was able to file IRS tax returns in my name, this was before I got a personal filing PIN and they continue to open up accounts using my identity and all of my information I had my purse stolen with mail in it my passport and ID in California years back and they have been opening accounts in my name, and I'm ready to put a stop to it and get my account 's back on track! XXXX phone company : somebody stole my identification card and was able to go into the phone store and open up an account using my ID and I am very upset about this because they should have checked it and looked into it and not just let somebody use it I would like this removed please!