davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (NC)

So this debt was posted to my credit report before I ever had a chance to verify the information. And its also illegal to post to my credit without my permission, the company has responded saying the initial letter was sent to XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX. This has never been my address, so with that being said I never got the chance to dispute the matter before it being posted to my credit. So I would like it to be removed. Or even a pay to delete because this wasnt fair for it to be posted to my credit without my knowledge. This is why it was disputed in many different ways before filing a complaint because I wasnt aware of why this debt was being posted to my credit report or if it was in fact mine.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (FL)

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 XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-29
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: ADVISORS MORTGAGE GROUP, LLC (NJ)

Subject : Urgent : Unacceptable Delays and Lack of Transparency from Advisors Mortgage Group I am writing to express my deep frustration and concern regarding the repeated and seemingly deliberate delays caused by the lender, XXXX XXXX, Branch XXXX at Advisors Mortgage Group , LLC. The consistent lack of communication, coupled with a series of excuses, has created an untenable situation that is threatening my financial stability and the successful closing of this property sale. 

To recount, our original closing date was set for XX/XX/XXXX. Since then, we have experienced delay after delay, with long periods of silence where we were left entirely in the dark about the status of the transaction. My agent diligently followed up with the buyers agent, only to receive vague excuses about needing the XXXX to revisit the property or requiring additional documents from the buyer. This pattern of stalling and non-transparency is not only unprofessional but also highly questionable. 

On Wednesday, XX/XX/XXXX, we were finally informed by the buyers agent that we had received a clear to close and scheduled the closing for XXXX XXXX. Now, once again, the lender has claimed that we are not clear to close. This continuous back-and-forth is beyond frustratingit is an emotional roller coaster that is pushing me to the brink. I am at risk of losing my property to foreclosure because of the excessive time it has taken for their team to bring this deal to the settlement table. 

I need a direct answer : What is the real cause of these delays? The buyer supposedly signed their Closing XXXX on Tuesday, XX/XX/XXXX, so what exactly is holding this process up now? Are they truly a legitimate lender, or is there something more concerning at play here? 

Given the impact this is having on my life and my property, is why I am involving the Consumer Financial Protection Bureau ( CFPB ) to investigate these unnecessary delays and determine if there has been any wrongdoing. The actions of this lender, or rather the lack thereof, have left me with no choice but to seek answers and accountability through any means necessary. 

I expect a prompt and satisfactory response to this matter. The time for excuses is overeither they bring this deal to a close immediately, or provide a legitimate and transparent explanation for these ongoing delays. Otherwise, I want to know my rights as a consumer for protection and recourse.
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (IL)

Already submitted complaint XXXX weeks ago. XXXX was since paid to the original creditor, XXXX fitness on XX/XX/year>. They told me they pulled the account from Aldous but it is still showing on my credit report as debt owed to the collections agency.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Medical-Commercial Audit Inc (MO)

XXXX XXXX XXXX XXXX, XXXX XXXX [ Phone Number ] XX/XX/year> XXXX XXXX : Request for Removal of Collections Accounts from Credit Report Dear XXXX I am writing to formally request the removal of certain collections accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and guidance from the Consumer Financial Protection Bureau XXXX CFPB ). After reviewing my credit report, I have identified the following accounts that I believe should be removed : XXXX. XXXX XXXX : MCA managementcompany  **Account Number** : XXXX **Date Reported** : XX/XX/year> XXXX. **Creditor Name** : [ Mca management company **Account Number** : XXXX **Date Reported** : XX/XX/year> Under the FCRA, I am entitled to a credit report that is accurate and complete. Additionally, CFPB guidelines support the removal of inaccurate, outdated, or unverifiable information from credit reports. I request that you investigate these accounts and remove any incorrect or outdated information. 

To support my request, I am enclosing the following documents : - A copy of my credit report highlighting the collections accounts in question. 
- A copy of my identification ( e.g., drivers license, passport ) for identity verification. 
- Any relevant documentation related to the collections ( e.g., payment confirmations, correspondence with creditors ). 

Please complete your investigation within the time frame required by the FCRA, which is typically 30 days, and provide me with a written update on the outcome. Additionally, I request an updated copy of my credit report reflecting any corrections that have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX This is a copy of the dispute I have sent but it is coming back as verified but that's not true. I asked them to send me the original contract with my original signature on both these accounts but I haven't received it yet and I asked for these collections to be removed from my consumer reports but it is still being reported only to XXXX and XXXX I don't see this reporting to XXXX I want this removed
Consumer complaint received 2024-09-04
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation (SC)

Dear FORTIVA/ The Bank of XXXX  and its Representatives, I have been searching high and low for some vital information. I have not been able to get this specific information from any customer service representative or through any online search through the Securities and Exchange Commission. I need the most correct, up to date information for the following as soon as possible. Please give me the correct contact information including the contact Name and Title of the person or Senior Officer, their correct phone number, mailing address, e-mail address, and fax number for this or these representative ( s ) from both departments as follows : Full contact information for your company 's Special and Restrictive Deposit Department AND Full contact information for your company 's Indentured Trustee. 


Please provide this information as quickly and accurately as possible. 

XXXX XXXX, Account # XXXX
Consumer complaint received 2024-09-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (TX)

I contacted the company asking for the Letter of sale or assignment from the original creditor to their company. Agreement with your credit that grants them the authority to collect on this alleged debt. I did not receive the letter of sale or assignment letter. they only respond I received from them is a bill to collect this alleged debt.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion has information that is over a year out of date. They have had an $ XXXX car loan that was paid off 8 months ago still tied to my account, say it's delinquent and have been tanking my fico score. Most days of the month their website is down so they can't process disputes.They also sold my personal information and now since opening an account with them I get scam emails for services and products I do not use!
Consumer complaint received 2024-09-05
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: DOLLAR MUTUAL BANCORP (PA)

I monitor my credit scores and report through credit karma daily. Since XX/XX/XXXX, I have applied for XXXX or XXXX home equity loans based on a XXXX XXXX XXXX XXXX XXXX  score of XXXX. 
My home bank declined me stating my XXXX credit score was in the XXXX. On credit karma, my XXXX XXXX score is over XXXX. XXXX XXXX XXXX XXXX would not give me my XXXX XXXX score. I called XXXX XXXX customer service and they told me they could not help me unless I paid for it. 

My issue is that credit reporting agencies that I have access to are not corresponding with what mortgage companies or banks have access to. This is problematic on many levels, including the fact that when I apply for loans, I am applying with the preconceived notion that my score is fair to good. A hard inquiry is run, which in turn affects my credit score. so not only am I ineligible for a loan Due to inconsistencies with the credit reporting agencies, but my credit further suffers. 

How is it that I can not see my true credit report, but banks and mortgage companies can? I requested the report from my home bank, and they refused to give it to me.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-01
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. (TX)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 

XXXX  XXXX
Consumer complaint received 2020-09-25
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (IL)

USAA SVG BK XXXX this account doesn't belong to me. FRAUD. 

XXXX XXXX XXXX It's fraud account, should be removed from my report immediately.
Consumer complaint received 2023-09-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Credit Karma (NC)

Today, XXXX XXXX 2023, I discovered that there had been XXXX unauthorized fund transfers between my bank, XXXX, and Credit Karma account totaling {$5100.00}. I immediately called my bank to freeze all transaction with no response from Credit Karma to that account and was told that I had to wait until those unauthorized transfers posted. 

I then logged into Credit Karma to find that my accountbinfo had all been changed and digital account representatives were unable to help me. After I changed my account info back to my phone number, they could locate my account and I was told to wait for an email to resolve my dispute. I have attempted to contact via email I received several times in effort to prevent the fraudulent funds from being withdrawn when I found that a new card had been requested at the same time as the transactions with no response from Credit Karma. 

In the meantime, several transactions from Credit Karma occurred from New York and nearly all the funds are gone. 

I have screencaps of this occurance and an associated email to the perpetrator as XXXX, XXXX
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: JPMORGAN CHASE & CO. (MS)

JPMCB Card- {$1800.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. XXXX didn't send anything just said it was verified. XXXX XXXX- {$8700.00} XX/XX/year>, sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. XXXX XXXX XXXX XXXX {$5000.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified. 
XXXX XXXX XXXX XXXX {$0.00} XX/XX/year> sent letter to company asking to provide me with the original contract with my wet ink signature. Company didn't send anything just said it was verified.
Consumer complaint received 2024-08-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (CA)

On XXXX, XX/XX/2024, made a food purchase from XXXX in XXXX, CA for {$64.00} using my Wells Fargo XXXX XXXX for the full amount. 
On XXXX XXXXXX/XX/2024, Returned chicken due to it being undercooked ( wings were pink ) and ( boneless ) which was overcooked, burnt and not edible. I was told by employee XXXX that only the XXXX ( XXXX ) would be able to extend a credit or refund. I was told he would notify the XXXX. They stated they would keep the order so there would be proof of my complaint, which I agreed to. After not hearing from XXXX, I returned to to the store on XX/XX/2024 to follow up. I was told again by XXXX that the XXXX was not there but he would notify him again, I again left my cell number. 
I revisited the store on XX/XX/2024, XX/XX/2024, XX/XX/2024, and finally on XX/XX/2024, each of these dates I was told the XXXX ( XXXX ) was not there but messages were being left and they were not sure why he was not responding. XXXX stated " I will leave your cell number for him again '' which I provided. 
On XXXX, XX/XX/2024, I submitted Claim # XXXX via the Wells Fargo portal and was given a provisional credit. On XX/XX/2024 I provided additional statements as requested from Wells Fargo. On XX/XX/2024 I received a letter from Wells Fargo stating my claim had been denied because I had not provided the requested information. I contacted the Wells Fargo escalation department at XXXX and the person was beyond rude, told me there was nothing the could be done and hung the phone up.
Consumer complaint received 2024-08-31
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (IL)

Credit Karma. Not sure if I am in the right section to complain. I have been using Credit Karma for a cpl yrs now. After hearing about the settlement about misleading approval odds I thought they stopped that practice. But they are still doing it. I have been working really hard on my credit for the past few months, and finally started seeing " outstanding '' approval odds on some unsecured credit card offers on credit karma. I decided to apply for one today, thinking the extra credit and not using it would help more score even more. With outstanding approval chances and hearing about the settlement a few months ago, I was mis-led thinking I would for sure get approved. I was denied and now many credit score dropped points again. I am so disappointed and deflated that this happened due to their mis-leading information and wanted to complain and report them. Please contact me for further info to report them!
Consumer complaint received 2024-08-31
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MI)

Paypal keeps hitting multiple of my bank accounts through XXXX that are not authorized. I have my accounts frozen at XXXX but can't get paypal to stop fraudulent vendors. 

XXXX : {$50.00} XX/XX/XXXX : {$90.00} XX/XX/XXXX : {$950.00}, {$49.00}, {$49.00} XX/XX/XXXX : {$50.00}, {$50.00} Paypal indicated not there problem, contact your bank.
Consumer complaint received 2024-09-05
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (TX)

This account was opened around XX/XX/year> and closed by XX/XX/year>, after the credit card never arrived at my mailing address. I try multiple times to obtain the card but was impossible due to the delays on XXXX XXXX nationwide for the XXXX Pandemic. In other words, I never had the opportunity to use the credit card.
Consumer complaint received 2024-08-01
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. (NC)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (IN)

I HAVE REQUESTED FOR THE FRAUD ALERT ON MY CREDIT REPORT TO BE REMOVED BUT LOOKING AT MY PROFILE IT STILL SHOWS I HAVE A FRAUD ALERT ON MY REPORT AND IT'S MAKING APPLICATION DIFFICULT FOR ME. I NEED THE FRAUD ALERT REMOVED FROM MY REPORT ASAP. AND I HAVE ALSO REQUESTED FOR MY CURRENT ADDRESS TO BE UPDATE TO XXXX XXXX XXXX XXXX IN XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Monterey Financial Services LLC (OK)

On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> I disputed my on XXXX public records two XXXX that should not be appearing on under my credit report. I have gone ahead and contacted XXXX and the have also verified plus mailed me a copy of my latest report ; they do not have any XXXX on my XXXX report. XXXX has failed multiple times to properly verify this information and have yet to remove it from my credit report. 

XXXX, has also been contacted and filed disputes on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and has failed to remove the one XXXX. 

Attached with this message is a copy of the XXXX report. On page 46 you will note I do not have any bankruptcies on my XXXX report.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (PA)

This XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX is reporting a fraudulent collection and account balance of {$XXXX} on my Credit Report that is NOT MINE and I have absolutely NO KNOWLEDGE of this Company and any account. I have NEVER DONE BUSINESS with this company and I have never signed any contracts or agreements with this company. I have never given this company authorization or permission to illegally purchase my XXXX XXXX XXXX and attempt to collect a fraudulent balance in my name. This is a VIOLATION OF MY RIGHTS and FEDERAL LAW and therefore this account must be DELETED IMMEDIATELY from my Credit Report as per FCRA Law and Regulations. This Collection Company has breached my Private Information and is falsely reporting an account on my report that is damaging my Credit Profile and Credit Worthiness and I am prepared to take my documents and evidence to court with my Legal Representation until this fraudulent Account is rightfully DELETED.