davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (CT)

I was contacted by a debt collector ( XXXX XXXX XXXX ) for a debt with Best Buy. On XX/XX/XXXX, Best Buy acknowledged receipt of my dispute regarding an automatic renewal that is sent to me by email rather than by postal mail. The dispute was investigated and determined on XX/XX/XXXX. The Result was that I owed {$280.00}. and not the amount of further charges adding up to {$630.00} I sent that amount to Best Buy and I have the cancelled check dated XX/XX/XXXX and deposited by Best Buy on XX/XX/XXXX. I am now receiving a debt collection from a different debt collector ( Client services ) for the same disputed charge claiming I owe the difference ( {$340.00} ). 
Also when I checked my credit score, the past due payments are still on record. My original dispute was sent to Credit Bureau Dispute Verification and XXXX  to Best Buy Credit and XXXX XXXX XXXX. 
Please advise.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 three Bureaus, Transunion, XXXX, and XXXX.
Consumer complaint received 2024-07-09
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: Paramount Recovery Systems, L.P. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-07-09
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: Wildhorse Financial Services, LLC (CA)

I woke up to an unauthorized hard inquiry on my credit from a credit union based in XXXX that was brokered through Gravity Lending. This is a scam of a company. After reaching out to them multiple times they refused to remove the inquiry or provide any proof that I authorized the credit pull.
Consumer complaint received 2024-06-27
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: JPMORGAN CHASE & CO. (PA)

I have received from Chase Card Services 2 letters ( one on XX/XX/2024 and XX/XX/2024 ) rejecting 2 applications to CHASE FREEDOM FLEX World Elite account which I DID NOT APPPLY FOR. Chase is checking with XXXX XXXX and my credit report is reflecting these fraudulent applications. 

When I called CHASE ( XXXX ) the very unhelpful agent was not able to find the applications using the reference numbers in the 2 letters ( XXXX and XXXX ). Chase allegedly based their decision on the assumption that I have obligations too high relative to income which is NOT true because I had a credit score of XXXX and income over {$350.00} a year. Our obligations ( mortgages ) total {$660.00}. Chase keeps summiting fraudulent applications and rejecting them. Each time they check my credit report, it is lowered
Consumer complaint received 2024-07-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (SC)

This company is in violation of 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ) and lastly this company does not have the authority to collect a debt in the state of South Carolina. See attached documents.
Consumer complaint received 2024-06-27
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (DE)

I am a former Citi employee and {$4300.00} I had remaining in my Citi XXXX was rolled over into a simplified IRA CD account by Citi when I left the company. This rollover was completed on XX/XX/XXXX. Citi sent me a request for information to complete the activation of the new account. I completed all information and Citi Retirement Services confirmed all information was complete on XX/XX/XXXX. On XX/XX/XXXX I was told the account would be activated and I would receive my account number and details needed to access the account within 7-10 business days. On XX/XX/XXXX I followed up with Citi Retirement Services because I had still not yet received my account information, as required. On XX/XX/XXXX I was told the account had not yet been activated but the representative would submit an escalation and my account would be activated within 2-3 business days at which time I could call for my account number to get access to the account. On XX/XX/XXXX - 15 business days after XXXX - I called Citi again and was told the account was still not active and they could not give me my account number because of this. They could not tell me why there was a delay or when I could expect to receive access to my account. As a consumer I am entitled access to my financial information. At this time I am uncertain that I will ever receive access to this account that has roughly {$4300.00}.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

I noticed on my credit report unauthorized and unknown accounts that I did not do or approve. I tried mailing letters to help remove the items all year in XXXX and partial of last year in XXXX. I was impacted by the data breach and at some point my score and report got messed up and it is hurting my profile. please remove!
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (FL)

I was notified by Freedom Mortgage that I would now require flood insurance by letter dated XX/XX/XXXX. The letter in BOLD told me I have XXXX to obtain flood insurance. There was no mention of any existing lender flood policy or its cost in that letter. 

As instructed by Freedom, I obtained XXXX flood insurance on XXXX ( 34 days from date of letter ) and paid the policy in full ( {$750.00} ) on via credit card. I notified Freedom on XXXX via link they provide with the new flood policy information. 

Problem arises on XX/XX/XXXX when Freedom billed my escrow account {$430.00} for a lender flood policy that was started on XX/XX/XXXX and this about is a prorated amount of the lender policy. I contacted Freedom that day and multiple times since then trying to resolve this issue myself without success. Freedom claims that there is no XXXX grace period and that I must pay whatever rate they charge. 

I contacted FEMA and got confirmation from FEMA that I should NOT have been charged for lender coverage since I met my legal obligation. I forwarded this letter to Freedom on XXXX but can't seem to find anyone willing to address the issue.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Dave Operating, LLC (TX)

I received a notification saying that my information was stolen from a recent breach from dave banking and no further information was given. my funds were not returned and in order for me to continue to use the bank I would have to pay the fees bank which I had done
Consumer complaint received 2024-06-04
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. (NY)

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-09
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company (DE)

I had contacted Freedom Mortgage several times about incorrect information that is reported to the Credit Reporting Agencies ( CRA ). The credit report agencies has Freedom Mortgage reporting me past due {$2700.00} as of XX/XX/XXXX. My past due balance is XXXX. 

I had called Freedom Mortgage on XXXX and was told that {$1300.00} was setting in a special account and they did not know where to apply the payment. I was also charged and paid a late fee of {$100.00}, which I should not have been charged. 

Freedom Mortgage informed me that my account would be re-age after bringing account current with payment. 

My account is current and not past due. 

More importantly, Freedom Mortgage has reported 60 days late pay on XX/XX/XXXX ; 30 days late on XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 30 days latte, XXXX, XXXX and XX/XX/XXXX ; 30 days late XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/XXXX.
Consumer complaint received 2022-10-29
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. (TX)

In conformity 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 : # XXXX Account name : US dept of education # XXXX Account name : XXXX # XXXX Account name : XXXXDept of ED # XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX all of these accounts has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2024-07-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M&T BANK CORPORATION (GA)

It is very clear now that M & T Bank was trying to commit fraud against me and my co buyer.. According Georgia UCC Indexing System from XX/XX/XXXX to XX/XX/XXXX the state of Georgia has no records of any mortgage debt or any other.. please check attachment.
Consumer complaint received 2024-07-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC (AR)

Medical debt was paid as part of a settlement which was closed in XX/XX/XXXX. 

In XX/XX/XXXX a collection appeared on my XXXX credit report by Elevate Recoveries LLC. I have sent all of the details that we have from our settlement via email.

I have also requested a copy by mail of everything that Elevate and their client have regarding this debt. It is very surprising and concerning for a collection to appear two years after a settlement when I have not received any bills, statements, invoices or any communication regarding a debt.

Every response from Elevate via email is " Weve received your email and have forwarded all information to our client for review. '' I have not received anything at all verifying the debt or any bills, invoices, or attempts to collect any debt. My credit score dropped and when I checked all three credit reports I found the adverse information reported to XXXX.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Resurgent Capital Services L.P. (GA)

I've never had an account with this agency or any business with this agency, but they have been reporting my personal information I have not given authorization see 15 USC 6802 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-07-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I was contacted by someone claiming to be from Citibank fraud protection. He claimed a checking account had recently been opened in my name and indicated that there were ( 2 ) XXXX money transfers made to an individual named XXXX XXXX for {$2500.00} and {$2400.00}. He provided me with cancellation codes and transferred me to a XXXX representative who indicated that in order to assign my case to a case manager, I would need to add him to my XXXX account as a payee and she would give me a ( XXXX ) digit code to enter in the phone number field. At this point I realized it was a fraud/scam attempt, hung up and called a XXXX representative XXXX XXXX found no evidence of a Citibank account opened in my name and recommended that I place a one year credit freeze with both XXXX and XXXX as well as file a complaint with your office.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I am concerned that Transunion, XXXX and XXXX are intentionally reporting my credit scores at the lowest level due to the fact that I am an XXXX XXXX. I believe that it may be possible that a comparability of my credit history with others could produce a higher credit score. I have 6 months of late payments from XXXX to XXXX from XXXX, however, have made on time payments since XXXX of XXXX  and currently now have 11 credit cards. I also have significant school debt which is paid on time. In addition, my utilization rate is high, however, if you review my credit score it doesn't move at all? Over the last two years of on time payments it has remained relatively flat? It appears that after two years of on time payments this has no significant positive affect on my score? Currently my Transunion score is on XXXX? I don't believe a score this low accurately affects my ability based on my past to repay a loan?
Consumer complaint received 2024-05-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.Please REMOVE all of the fraudulent information listed below from my credit profile, pursuant to section 605 ( b ) of the Fair Credit Reporting Act.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Consumer complaint received 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (HI)

XXXX XXXX $ fee was for fax payoff in early XXXX. I did not request this fax or a payoff. This loan will be paid off with a last payment on XX/XX/XXXX. My 30 year mortgage will then be paid and refund any remaining escrow account balance. Payments have been automatically deducted since XXXX, XXXX. Never late. 
The second fee of XXXX $ was for a special statement to be mailed to a different address. I did not request this special statement. I have no clue what it is. My statements have been online and prior to online paper statements, they were sent same address since XXXX of XXXX. 
I heard about these two XXXX $ fees when I was asking how the final payments are to be made when I called today, XX/XX/XXXX. These fees have never been disclosed or authorized, no clearly or properly disclosed. 
Bank of America Mortgage department said my monthly statements is where the fee were disclosed. I now see years later the disclosures are footnoted with XXXX $ XXXX and a number 2 Not very clear disclosures as it looks like the fee for a late payment if a payment were to be late. Versus a description of other fee in fine print. And hard to find on line. 
I have been a Bank of America customer since XXXX. I am requesting these two XXXX $ fees or XXXX $ be reversed. Bank of America mortgage department was either unwilling or could not reverse or waive them for the reason given that the fees are > than 12 months and too old. They have very little if any details on these two XXXX $ fees. 
Thank you. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-27
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Marlette Funding, LLC (FL)

Payment on my account was due on XX/XX/year>. I made a payment on XX/XX/XXXX. XXXX. Then, they contacted me XXXX days after the payment was made via text message at XXXX XXXX on XX/XX/year>.
Consumer complaint received 2024-06-02
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. (CA)

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 XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.