davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC (NC)

I was approved for a XXXX XXXX XXXX rewards card, I did not receive the card because the person who keyed it in put my apartment letter as G and K with my correct street address. I made no less than XXXX attempts at XXXX stores and calling the company to find my card, it finally showed XXXX  months later with fees, interest and late fees! I called their customer service and was told she could take the interest off but not the late fees, I had to pay them which was unfair since I had no account number or a physical card. I got such a bad run around and lied to by each person I spoke to when I paid my bill XX/XX/XXXX I cut the card up and mailed it back to the company. I got calls about how they would fix the issue it was too late and the interest was out of control for a rewards card. XX/XX/XXXX of XXXX I received another bill for {$17.00} in fees and XXXX in interest plus a balance of {$23.00} from a previous balance I did not owe, they were asking for {$49.00} for what I do not know the card was returned to them cut up in XXXX of XXXX, now a company called XXXX XXXX XXXX  is emailing me telling me I owe a debt of {$310.00} which I also do not owe the email was received on XXXX. I have a copy of the bill and the original letter sent to XXXX XXXX customer service when I cut the card up.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC. (GA)

I am reaching out to due to a form of identity theft. 
This account is not mine. As a consumer, I am aware that if I didnt give permissible purpose for Navient to report this account & it was done without my consent & is a form of identity theft per the law. If you fail to delete this account, I will have to proceed to taking further action. 
This account is not mine & needs to be deleted. 

Account XXXX XXXX XXXXXXXX Last 4 digit SSN : XXXX
Consumer complaint received 2023-04-07
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: EQUIFAX, INC. (PA)

My name is XXXX XXXX, and I am writing this statement on my own behalf. I am a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 603A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/or authorized the release if any goods or materials under these listed accounts. I wish to dispute these fraudulent items under the provisions of the law and am requesting a free copy of my report and all information related in this matter. 

The fraudulent accounts are as follows : XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-09-03
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: PENNYMAC LOAN SERVICES, LLC. (OK)

I had this same issue last year, the company responded to my request last year after expediting my request. This year when my homeowner 's insurance increase was received, I located alternative insurance at a lower price the same day. Due to timing the payment was sent to homeowner 's insurance that had sent payment increase and also to my new carrier, I was sent a reimbursement check. The amounts do not seem accurate, perhaps they are. When I call the customer service telephone number, they refer me to my escrow statement. I had reviewed my escrow statement before reaching out. I reached out to two other individuals who had previously assisted me, no response. I sent my information to someone who specializes in this type of information, she was also lost.
Consumer complaint received 2022-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 Statesa consumer reporting agency can not furnish a account without my written agreement or instructions. thank you much for reviewing this matter. XXXX
Consumer complaint received 2024-09-03
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Unifin Inc. (MD)

A debt collection agency called Unifin keeps contacting my family members. Even though I told them not to do that, they continue to. Im not sure how they were able to get the contact info of my parents, siblings, and cousins, but its becoming to feel like harassment.
Consumer complaint received 2024-09-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mortgage Research Center, LLC (WA)

We assumed a XXXX XXXX XXXX XXXXXX/XX/year>. The closing cost included a {$1500.00} miscellaneous fee, which we were told was XXXXXXXX XXXX payment, due on XX/XX/XXXX. We made the payment but disputed the payment with the lender. We setup automatic payments with the lender to avoid late fees. We noticed that our monthly mortgage payments vary several hundred each month, so we reviewed our mortgage statements today. 
We discovered we were charged a late fee of {$63.00} for XX/XX/year>, even though the XXXX payment was collected XXXX XXXX  and addressed to the prior property owner. The statement for XXXX included both XXXX and XXXX billing demand. 
The statement for XXXX double billed the escrow impound from {$300.00} and XXXX. Several statements show partial payments, even though our automatic payment are setup for only full payments. 
This company needs an audit of their booking.
Consumer complaint received 2024-09-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I have not received debt verification from a debt collector after requesting debt verification. There is an alleged debt that I owe which is being collected by ProCollect. The debt appears to be for utility charges to an apartment unit with a billing period that occurred after I ended my lease and vacated the unit. Without further details, I can not reasonably conclude that this debt is mine and currently believe it to be an administrative error. On XXXX XX/XX/year> I noticed an unexplained drop in credit score of XXXX points without any notice or communication from ProCollect. On XXXX XX/XX/year> I observed a XXXX point drop in credit score without any notice or communication from ProCollect. On XXXX XX/XX/year> I contacted ProCollect by phone and requested a debt verification letter. I provided my current mailing address and consented to receive communications about this debt. On XXXX XX/XX/year> I emailed ProCollect ( XXXX ) and reiterated my request for a debt verification letter. I specifically requested information about their authority to collect this debt, Why they think I owe the debt and to whom I owe it, and the amount and age of the debt. Additionally, I disputed this debt with the three major credit bureaus on or around XXXX XX/XX/year>. As of XXXX XX/XX/year>, I have not received any communications from ProCollect that provide details about the alleged debt.
Consumer complaint received 2024-08-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (MO)

I placed an order for an air conditioner through an online order to what looked like XXXX, but the charge went to a business called XXXX. When I clicked on any link given, it would do nothing. The tracking info also was completely fake. I never received an air conditioner, but far past the supposed delivery date of XX/XX/2024, I did however receive a pair of paper think ankle socks ( I'm figuring this was done to give a postage tracking number in case people complained ) on XX/XX/2024 from a person I do not know, and address I've never seen or heard of. 
I have complained to Cashapp repeatedly about this issue and three times have been told that the matter is closed and with no information given. 
The charge was on XX/XX/XXXX at XXXX XXXX for {$59.00} through Cashapp.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (ID)

The Usaa website had a hiccup that reflected that the payment was acknowledged when it was not based on a technical hiccup It seems it would be helpful if they could fix the error based on the issue i had with the system since all payments outside this payment have been on time all the time it was 3 months late payments due to not beong able to notice the payment was not accepted on the summer in 2021 XXXX
Consumer complaint received 2024-09-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE (WI)

I tried to open a new brokerage and checking account around XX/XX/year>, but I never received an update after XXXX business days so I submitted another application. XXXX XXXX sent me a letter saying they closed the account due to an alert from XXXX XXXX but there is still one account left open. I contact XXXX XXXX about the account, and they said it will be closed. It's been XXXX business days, and the account is still open. I want to make sure XXXX XXXX agreed to let the account remain open after closing the other account. If XXXX XXXX intend on closing the checking account, I will like for it to be closed immediately just to have the matter resolved.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (KS)

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect Name - XXXX XXXX XXXX Employer- XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXXXXXX, CO XXXX Incorrect Name - XXXX XXXXXXXX
Consumer complaint received 2024-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NC)

XXXX ( XXXX XXXX ) sold my mortgage to ROUNDPOINT Mortgage. 
XXXX XXXX ( homeowners insurance sold out to XXXX. 
I pay my insurance through Escrow so had no idea that Roundpoint paid my insurance to XXXX XXXX. I never missed a payment or was late. I received notice that my insurance was cancelled for nonpayment by XXXX. I spent the day finding new coverage from a local agency. Roundpoint, after dozens of phone calls, acknowledged that I had new coverage. 

They purchased a policy after my new policy for XXXX to cover for XXXX months they claimed I was uninsured. There was a XXXXne week lapse in coverage end of XX/XX/year>. In XXXX they finally gave me one half of what was charged, approximately XXXX for their error, although they admitted I only owed around {$70.00} for the one week. 

Now I receive another letter stating they have purchased me another policy ( keep in mind I'm fully covered and still have excrow coming out every month ) for over XXXX. 

I feel that my interest rate is too low and they want to rid of me through negligence and harassment. I've spent countless hours on the phone, emailing and literally begging for professionalism. I have spoken to so many, some who have admitted what is happening is wrong and unjustified. Their calls are supposed to be recorded so there should be a record of all conversations.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (SC)

I have unauthorized inquiries on my credit report I will like for you all to DELETE. These are inquires that I have no knowledge of. You can reference the case # XXXX for an identity theft report. According to FRCA section 605b a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2024-09-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

On XXXX I sent a response to an email from Genesis Credit Management XXXX  Columbia debt recovery XXXX refusing to pay the alleged debt. Since then I have received multiple emails from them after that date demanding payment of the debt. They have also advised me that the amount will accrue XXXX percent  interest per annum. I made a phone call to this company on XXXX to inquire about the interest fees being added. I was advised by a representative that interest was applied by the company and will be added daily. He also confirmed the email address was active and can receive emails. However a phone call was a requirement if I wanted information.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (FL)

Best Buy Credit Services has violated the FDCA s outlined in Daughtery V. convergent Outsourcing inc, 836 F.3d ( 5th Cir. 2016 ), which states that a consumer report is a medium of communication and this subject to cease and desist requirements. 15 usc 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Best buy never sent the periodic statements along with disclosure from section 1637 ( b ) this information was pursuant in good faith to rule 1002 and it was never provided which is unfair, illegal, fraudulent, bias and not equitable to me as a consumer and a secured party. 15 usc 1681a 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. 
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
( c ) The term consumer means an individual. 
( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Overview Learn more 15 U.S.C. 1681, also known as the Fair Credit Reporting Act ( FCRA ), protects the privacy of personal information collected by credit reporting agencies ( CRAs ). The FCRA also governs access to consumer credit report records and promotes accuracy and fairness,15 U.S. Code 1681c2 gives consumer reporting agencies the right to rescind or decline to block information about a consumer. This can be done if the agency determines the fairness of the consumer which the company best buy and all credit bureaus did not give the consumer notice
Consumer complaint received 2024-08-31
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC (CA)

I have a loan for my solar from Mosaic. My solar company has since gone out of business and my solar panels were up for less than a year before they stopped working. I contacted the owner of the company and he said Mosaic takes a portion of the cut for a safety net if this happens to pay for repairs if the company were to go out of business. I have a warranty from XXXX years on my contract and mosaic is doing nothing to help. If my contract is voided I shouldnt be having to continue to pay
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

I am requesting the removal of inaccurate addresses from my credit report. My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove the following addresses 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 have never lived here ) ]. Thank you.
Consumer complaint received 2024-09-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

Here is my Loss Mitigation packet, I just received this packet XXXX days before the deadline of XX/XX/XXXX to submit this packet, and I called customer service several times to speakto an XXXX, so that I can get help in filling up the Loss Mitigation packet, but to no avail. 
Anyways, I filled it up as per my knowledge. 
I am sending you last XXXX months of Bank Statements where I have received my rents. 
Eviction documents of XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, also my covid test results from XX/XX/XXXX, my XXXX, and XXXX XXXXXXXX report. 
I hope we will be able to reach some kind of resolution.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CNG FINANCIAL CORPORATION (MO)

I hope this message reaches you in excellent physical condition. I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made oy the obligor or a credit issued to the obligor on a statement. ( 5 ) A computation error or similar accounting error made by the creditor on a statement. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late a sign of an invoicing error -- therefore. 1 humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' :
Consumer complaint received 2023-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have disputed late payments on this open account with the three bureaus several times, and these accounts have not been updated to good standing. I have explained to them that some of the late payments information is inaccurate, also that I had a slip and fall on XX/XX/2017, which I already provided proof for, and wasn't able to work so I fell back on my bills, and I've been able to pay on this account for the past few years on time when I was able, but they just updated the account instead of putting the account in good standing -XXXX XXXX Account XXXX XXXX
Consumer complaint received 2024-08-31
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: MoneyLion Inc. (MT)

I had an account with Money Lion in XXXXthey closed my account due to their XXXX party detecting fraudulent activity.. which did occur however they refuse to unlock my account/social security verification to utilize their services? It makes NO sense to me how they XXXXXXXX XXXX you from their services from no fault of MY own? In addition which costed me money?? They refuse to even explain and give the same canned information. Its almost prejudicial treatment against the ones who had an unfortunate event occur?? Or what they deemed fraud at that moment!!
Consumer complaint received 2024-08-30
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc. (FL)

On XX/XX/scrub>XXXX  CASH APP authorized a charge from XXXX that has been cancelled 3 times yet is still being billed. I misplaced my cashapp card reported it lost and ordered a replacement. Received notification my replacement is on its way and was still charged as though it was an ACH payment entered via Account and XXXX which it was not. The last 4 digits of the card are shown as what was charged. 

They are refusing to refund the fee and stating they are allowed to process a charge this through a card that has been cancelled and stating it was the new card charged but I do not have that card to update any payment information with