davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-02
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SinglePoint GI (LA)

This was previously disputed, however, the company stated that no threats were made. The call was recorded on their end and the company provided no proof of that recorded phone call which stated this debt would not be turned into a collection until XX/XX/XXXX. That was a lie, they reported it before XX/XX/XXXX without giving me the opportunity to pay the debt in full. XXXX XXXX XXXX.
Consumer complaint received 2022-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XX/XX/2022 I've disputed about my closed XXXX XXXX Credit Card payment history the account was closed XX/XX/2022 I've continued to receive payment history after the account was closed back in XXXX.
Consumer complaint received 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation (IL)

XXXX is when I took out the loan. I paid it off in XXXX. 
I tried to have the add-on insurance XXXX removed a couple months after getting the loan as I was not aware of what it what but that I would not be able to get the loan without it. Supposedly was supposed to be insurance I could use over the road or at home. I was told I had to get it. And the amount was different later after I got it. And they told me I could not have it removed from the loan. But I never used it and didn't even know what they really were adding on.
Consumer complaint received 2024-05-18
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. (FL)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (VA)

I returned several products to Costco over the last 2 / 3 years.

Costco issued a return receipt. I assumed the bank has credited my account with said amount. But the bank would not issue refunds on certain transaction types. This has been going on for a long long time. How do I get the bank to repay me all the money. That they are holding, which actually belongs to me. As it is my tax paid money.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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. 

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 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I hope this message finds you well. Despite our previous attempts, I regret to inform you that the late open accounts still persist on my credit report. 

I kindly request that you prioritize the investigation and resolution of these late open accounts, ensuring that all necessary steps are taken to correct this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

Moreover, I would appreciate regular updates on the progress made in resolving this matter and a clear timeline for when I can expect to see these discrepancies corrected on my credit report. 

I understand that resolving such issues may require time and effort, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX. XXXX XXXX Balance : {$6400.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX* Balance : {$1100.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX* Balance : {$2200.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX Balance : {$6200.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX Balance : {$2500.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX. XXXX XXXX Balance : {$2500.00} - Please take off the late things from this account because I think I made my payment on time. 

XXXX. XXXX XXXX Balance : {$6200.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account.
Consumer complaint received 2021-03-30
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (DE)

I have applied for refinancing several times and each time Carrington closed my case and asked me to restart 2 or 3 times when I have a HUD worker XXXX XXXX XXXX. This has been a long process and I understand that I was behind but I am trying to rectify the situation and this is becoming tedious. I would like to get a new payment and start fresh.
Consumer complaint received 2024-04-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (NY)

I am writing to lodge a formal complaint against Credence Resource Management , LLC for their illegal debt collection practices in the State of New York. As per my understanding and thorough checks, Credence Resource Management , LLC is neither licensed nor bonded to collect debts in New York, which is required by both federal and state regulations governing debt collection. 

Nature of Complaint : Unauthorized and Illegal Debt Collection : Credence Resource Management , LLC has engaged in persistent debt collection activities against me without possessing the requisite authorization and legal standing to do so in the State of New York. 
Failure to Provide License Information : Upon request for their licensing information, Credence Resource Management , LLC has repeatedly failed to provide any evidence that they are legally permitted to collect debts in New York. 
Negative Reporting to Credit Agencies : This company has reported the alleged debt to credit reporting agencies, severely impacting my credit score and causing substantial financial and personal distress. 
Non-Compliance with Debt Validation Requirements : Despite my requests, Credence Resource Management , LLC has not complied with the FDCPA requirement to validate the alleged debt, which raises serious concerns about the legitimacy of their claims.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (WA)

On XXXX my credit karma spend account was locked after making a purchase online and I had subsequently attempted to make 3 more purchases that were denied. Instead of credit karma sending me a notification asking if it was actually me attempting the charges like they have done in the past they just locked my account and made no attempt to contact me. I had to reach out to them and they requested that I upload documents identifying myself which I had done multiple times with multiple documents identifying myself to them. I was initially told the account would be unlocked within 24 hours and after that 24 hrs I was told it would take an additional 24 hours and after that I was told 3-5 days. They wouldnt tell me why my account was locked. And they wouldnt agree to a partial release of funds. When I spoke to a supervisor named XXXX she insisted that there was no one I could speak to above her and she wouldnt give me any more information about her other than her name was just XXXX.
Consumer complaint received 2024-04-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

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 XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

I am writing to address a concerning matter regarding my credit file. I have noticed a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-04-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (CA)

XXXX XXXX XXXXXX/XX/year>, I want to express how disappointed I am with the company, Sigue because on XX/XX/year>, I made a shipment to XXXX. With a lot of effort, I put this money together to send it to my mother. After I sent it, they kept giving her excuses to not deliver it the money. As the days went by I decided to go to the place where I made the shipment. Still, they no longer answered my call so I spoke to the owner of the business and he told me that he would try to call. Still, after so much time I never received a response from him and I have also tried to call Sigue countless times but the number found on the shipping receipt no longer received calls nor can I leave a message. The truth is, I would greatly appreciate it if someone took the time to help all the affected people because I don't think I'm the only person who had this bad experience.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Alorica Inc. (TX)

My account is only being report to 2 of the 3 credit bureaus which are XXXX and XXXX. The account is not being reported to XXXX. I called XXXX # XXXX ( credit dispute department ) and was told they cant report my account to XXXX. But in the response to my CFPB complaint they said theyll report my account to all 3 bureaus XXXX, XXXX and XXXX. I also call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a total of three times which he did call me back today XX/XX/year> but he ended the call ( yes the call came through but was disconnected so fast that I was not able to accept it )
Consumer complaint received 2024-03-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Apoyo Financiero, Inc. (CA)

Subject : Cease Unauthorized Credit Reporting Immediately - California FCRA Identity Theft Fraud Laws Dear XXXX XXXX, I am reaching out to address a significant concern regarding the unauthorized reporting of information to my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), and California state identity theft fraud laws. 

It has come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, a clear violation of federal and state laws. The FCRA strictly mandates that consumer consent is a fundamental prerequisite for any reporting activities under Section XXXX ( a ) ( XXXX ). 

Furthermore, California state laws, particularly those concerning identity theft fraud, underscore the seriousness of unauthorized access and misuse of personal information. Such actions not only breach my privacy rights but also have the potential to inflict irreparable harm to my creditworthiness. 

I want to assert unequivocally that I have not provided consent for XXXX XXXX to report any information to my credit report. This lack of explicit permission is a direct violation of my rights and demands immediate rectification. 

I demand, with the utmost urgency, that XXXX XXXX ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and California state identity theft fraud laws. Failure to comply within the stipulated XXXX timeframe will be deemed as willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not discretionary ; it is a legal obligation under these specific sections of the FCRA and California state laws, aimed at safeguarding consumers from unauthorized and damaging credit reporting. 

I expect prompt attention to this matter and trust that XXXX XXXX will take immediate steps to rectify these violations, respecting my rights under federal and state laws. 

This communication is made in good faith. 

Sincerely,
Consumer complaint received 2023-11-02
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: Early Warning Services, LLC (WI)

I have had phone conversations with XXXX XXXX owner of XXXX several conversations about a recent repair being done. Once we go to the end of the repairs there was a small discount if you pay cash. This was being discussed in email and I was informed he could use Zelle to accept payment. Who I thought was " XXXX '' offered to send over his account for the zelle account he sent me the name and I did not call him to verify it since we are going back and forth on email talking about his golf game. Email comes over from what looks to be XXXX requesting to send XXXX to XXXX XXXX XXXX, I punched this into my zelle sent off the XXXX. next day i am contacted again asking to send the next round of money, sent picture of error message then they sent request to send to a different emailphone. At this point I stopped and called XXXX and spoke with him. It was determined that his mail server got hacked and they were trying to spoof payments. I stopped any other sending and contacted both XXXX XXXX XXXX and Zelle support this was done via the banks Zelle setup. But unfortunately they are saying there is no way to pull the money back even though they marked the account as being scam.
Consumer complaint received 2024-03-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Sigue Corp. (CA)

We are a retail store located at XXXX, California XXXX, and we are agent of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, We help customer send money to XXXX through XXXX XXXX. In XXXX XXXX, XXXX of my customer total of {$17000.00} sent money to XXXX, the transaction can not go through, so on XXXX we call in ask for refund back to the customer. They promise will sent the refund in checks in about 20 days. We waited a month to call them back, but got no responds through by phone nor in email. We are at lost in how to contact them.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have noticed that there are items on my credit report that have resulted from fraud which I never benefitted from, this is unbelievable, my rights as a consumer is being violated. As a law-abiding citizen this is incredibly insulting. This is already reported to the Federal Trade Commission but they are not removed from my report which is causing me immense stress and anxiety.
Consumer complaint received 2024-04-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (VA)

On XX/XX/year> I got my car serviced at XXXX. There was an issue where they charged my card twice in error. They said they were issuing a refund and apologized. I waited a few days. Then filed a dispute with the credit Karma money to get my funds back. They ask for proof and all I had at the time was an email from the company and the screenshot of where it came out twice. Somehow they denied the claim almost 3-4 days later and said it was due to insufficient information. I have called over 50 times to get them to reopen claim and they are refusing saying I didnt provide bank statement when there was no way possible for me to do that at that time because bank statements for the date was not out yet. I feel as the are completely mishandled my claim and Im am now out {$1700.00} because of this
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (TX)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not able to access by credit report through XXXX, nor through any of the consumer reporting agencies ( XXXX, XXXX or Experian websites give me an error message and will not let me access ). I would like to receive my consumer report ( s ) by mail. I am a victim of identity theft and I have not been able to review my consumer report on a monthly basis since XX/XX/year>.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Reference Services, Inc. (VA)

Consumer Reporting Agency failed to address the five specific errors I pointed out. 

" I would recommend contacting the court directly if you feel that their information is incorrect. '' - XXXX XXXX, XXXX of XXXX XXXX XXXX, XXXX at XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CA)

In 2020, XXXX XXXX sent non payment of home insurance to a collections agency, Credit Collection Services, whom filed with credit bureaus. The non-payment was a result of only email communications being used by liberty mutual, which, routed to my spam folder. 

Credit Collection Services did not delete this outstanding delinquency once the payment was made directly to XXXX XXXX. 

Credit Collection Services does not have adequate infrastructure ( ie work phone lines, any written correspondence department ) to address this issue, which, is negatively impacting my ability to get a mortgage. This has a direct economic impact ( of about 10x the outstanding debt per month of mortgage rate price differential based on current rates ). The transferred me 5 times to inoperable phone lines today, stated they do not have a website & refused to put anything in writing to rectify this issue with my lender (. 

XXXX XXXX has provided me a dated statement that this situation was responded to & closed in 2020. However, they, nor, I have had ability to have this rectified on my credit scores via Credit Collection Services.
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have found inaccurate information reporting to my credit file. Please review the following Account name : XXXX XXXX Original Creditor : XXXX Please delete this inaccurate information from my credit report immediately. 
Once you have completed my request, please send me a copy of my credit report reflecting these changes. 

I contacted transunion by certified mail they refuse to investigate claiming they weren't sure if the letter was from me
Consumer complaint received 2024-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Specialized Loan Servicing Holdings LLC (KY)

The Mortgage was assigned forced escrow because of missed insurance payment. The insurance company reinstated homeowners insurance. The Specialized Loan Servicing company kept claiming we owned escrow money. Keeping money in unapplied account and marking payments " late ''. Charging fees and affecting our credit.