davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-31
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OH)

This took place at Ace cash express XXXX XXXX XXXX, XXXX, Ohio XXXX. Took out a {$400.00} payday loan on XX/XX/2023 because I needed basic living expenses paid for until my next paycheck. Called the store to pay the full amount back on XX/XX/2023 and they said I had to pay over the phone on their automated line. Was transferred back and forth from their customer service line to their debt collections department even though I had no collections with them. This transfer happen 8 times and they kept me on the phone for XXXX minutes and XXXX seconds. All their lines were recorded so hopefully we can listen to them. I then called the store back to pay my loan, and they told me I had to come in to pay my bill ( keep this in mind ). XXXX minutes later I was able to rush over to the store and when I got there the attendant told me she was unable to hit the payment button on her system ( by the way this woman behind the computer was very nice, and polite, it was not her fault this happened ). So I asked her to call her manager because I couldnt believe that they wouldnt allow me to pay my bill. But it all made sense why they didnt want me to pay, its because I was in their 72 hour window and they couldnt charge me interest. So when I pulled up my copy of the contract that stated there is no pre-payment penalty I told her to call her manager back and tell her I needed to pay still. Her manager then made up some rule that was not in the contract that I had to make the payment in cash, even though its not stated in the contract this manager named XXXX said that is just is what it is, and for a fee ( {$6.00} ) I could withdraw the cash from them to pay back my bill, then proceeded to act like she was doing me a favor. This place is XXXX, and spooky very fitting for XXXX day.
Consumer complaint received 2023-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (NM)

I disputed a botched XXXX done overseas. They closed the dispute without providing a provisional credit or contacting the merchant. I received an email stating dispute closed due to no documents provided but no one called or wrote what documents were needed. I provided medical records and an email showing the pffice is refusing to see me. I also can not be seen in the XXXX since no doctor will treat me due to being seen in XXXX and they are forcing me to provide documentation that can not be provided.
Consumer complaint received 2024-05-05
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. (CA)

First thank you for taking the time to read this letter. Recently, I found fraudulent inquiries in my Experian Credit report. The inquiries that I have listed below are fraudulent and should be removed from my credit report. Also, I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence.

Please block this fraudulent information per sections 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. Your response to this letter is required by law. Please. Be aware this letter has been generated by me, XXXX XXXX. I have enclosed identity verification documents for you to verify my identity. 
FRAUDULENT INQUIRIES! 
XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credence Resource Management, LLC (TX)

Credence Resource Management , LLC initially received information from XXXX XXXX  XXXX on XX/XX/XXXX, stating that a debt disputed by consumer was owed in the amount of {$2800.00}. Consumer contacted Credence Resource Management , LLC on XX/XX/XXXX, to dispute the account and requested written validation of this information in XX/XX/XXXX. It was confirmed during the call on XX/XX/XXXX, with agent XXXX that Consumer had indeed called Credence Resource Management on XX/XX/XXXX. Consumer did not receive any response to the validation letter sent in XX/XX/XXXX, and Credence Resource Management , LLC informed during the call that the XXXX XXXX XXXX account was returned to XXXX XXXX XXXX on XX/XX/XXXX. 

Collection agent XXXX then expressed that the account was reassigned back to Credence Resource Management , LLC on XX/XX/XXXX. XXXX then advised that a letter was sent on XX/XX/XXXX regarding this debt owed. On XX/XX/XXXX, Consumer received a credit alert from a credit monitoring service stating that Credence Resource Management , LLC had reported account XXXX with the credit reporting agencies that this account was opened with an effective date of XX/XX/XXXX. Consumer expressed to agent XXXX that Credence Resource Management was in violation of the Fair Credit Reporting Act 623 ( a ) ( 5 ) ( A ) as XXXX XXXX XXXX and Credence Resource Management , LLC knowingly re-aged the account to reflect a XX/XX/XXXX account causing harm to consumer credit report.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to formally dispute the inaccurate information appearing on my rental history report. Specifically, my report incorrectly lists an address and eviction associated with XXXX A XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I have never lived at or been associated with this address. Despite multiple attempts to rectify this issue with your agency, the erroneous information remains on my report. These repeated failures to address and correct the inaccuracies constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that credit reporting agencies investigate and resolve disputes within 30 days. Your agencys persistent failure to correct this inaccurate information after numerous disputes represents non-compliance with these statutory obligations and is causing significant harm to me by affecting my ability to secure housing. I demand an immediate investigation and the removal of this incorrect address and eviction from my rental history report.
Consumer complaint received 2023-10-20
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. (GA)

TransUnion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have noticed that my consumer report contains information that is a result of identity theft. I did not provide any written permission or instructions for the transactions to report on my consumer report. Therefore, pursuant to 15 USC 1681c-2 ( a ), I am requesting that the reporting of this information be blocked and deleted. This request to block is not being made in error and is not based on any material misrepresentation of fact by me that is relevant to this request. The identified transactions are not information related to any transaction by me as the consumer : Account Name- XXXX Account # - XXXX, Reported Balance- {$590.00}, Reported Date Opened- XX/XX/XXXX Account Name XXXX XXXX -, Account # - XXXX, Reported Balance- {$870.00}, Reported Date Opened- XX/XX/XXXX
Consumer complaint received 2024-06-24
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (TX)

My payments of {$260.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX was returned as I had just closed my XXXX  account to which this card was linked to. As a result when I got to know about this, I immediately made a payment of {$790.00} on XX/XX/XXXX. Why was I charged {$260.00} on XX/XX/XXXX and {$410.00} on XX/XX/XXXX as " Adjusted Payments '' and then my account was suddenly closed on XX/XX/year>, without any prior intimation provided to me. I made the payments in full, but the final closing balance is still showing {$530.00} which is more than my purchases and billings during this period. On top of that, my account was closed. I did not ask for my account to be closed, and have been paying my bill in full each month. This impacts my credit score badly.
Consumer complaint received 2024-05-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-05-05
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. (CA)

in accordance of Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  is in violation of 15 U.S.C. 1681
Consumer complaint received 2024-05-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (HI)

I recently reviewed my credit report and discovered an inaccuracy regarding one of my accounts. According to the report, there were three late payments on an account that was consistently paid on time. It's imperative that consumer reporting agencies maintain complete accuracy in their reporting. Attached to this complaint are copies of my credit report for the following dates : XXXX XXXXXX/XX/XXXX, and XX/XX/24. I kindly request an investigation into this matter and ask for verifiable evidence to support the claim of late payments. If no such evidence can be provided, I urge you to promptly update the records to reflect the timely payments made. Your prompt attention to this issue is greatly appreciated. Thank you.
Consumer complaint received 2023-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have informed the credit bureaus and XXXXXXXX XXXX that I've been an identity theft victim because my personal information was compromised. I initially contacted XXXXXXXX XXXX  and told them that this account was not mine, and I got the credit bureaus to remove the fraudulent charges placed on my credit report. However, the bank and the credit bureaus have ignored my request and continue to report derogatory and fraudulent remarks on my credit report. Therefore, I am filing this report to request that this fraudulent account be removed from my credit report and my records because I did not know this account existed. Someone opened this account without my permission, and once I discovered the existence of this account, I requested that it be closed. I asked them if they would remove the derogatory account from the credit report. They said they would remove it, but the bank and credit bureaus never did.
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

Although, the 3 credit reporting agencies, XXXX, XXXX and Equifax have removed a {$290.00} XXXX account two times. However, the {$290.00} XXXX account shows up again with a different companies and it is reoccurring on my credit file with all three companies. Most recently I have found that this account is now with XXXX XXXX XXXX and indicates that it was opened around XX/XX/XXXX, when the errant delinquencies has been removed and reappearing now, four times, since XX/XX/XXXX. Again, these were not services that I received, as I sold and moved to another state in XX/XX/XXXX. XXXX was notified by phone and through my online account that I had sold my home and was moving in XX/XX/XXXX. I did provide tangible information and proof of payment to all three credit reporting agencies. I am attaching my correspondences in this compliant.
Consumer complaint received 2023-04-21
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-02-16
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Click n' Close, Inc. (TX)

To whom it may concern, I signed up for paperless statements with Click n Close ( Mid America ) Mortgage company when my mortgage was sold to them. I did not personally close with this company, because I have never heard of them. I have never received any electronic statements since I first began payments in XXXX of XXXX. I went to login on XXXX of XXXX to pay my mortgage when I was hit with an enormous payment amount of {$3500.00}. When I called to see why my payment was increased, they stated that they weren't taking enough out for escrow & taxes and wanted either all {$15000.00}, at once or I was going to pay the new amount of $ 3500 monthly. They should have adjusted payments every year and not wait 3 years for this amount to build up. If this is a common occurrence with new builds, then there should be protocols put in place! You can only imagine what kind of bind this put me in as a single woman. Who has that amount of money laying around, not your average person! I thought this was very unprofessional and uncalled for because clearly this mortgage company should have audited their accounts annually. This has caused unnecessary stress to me. They should be held accountable for their actions or lack there of. If I didn't have the support system that I have in place, I would be losing my home!
Consumer complaint received 2024-05-05
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. (NV)

XXXX. XXXX, Experian and XXXX reported unverified derogatory information to my consumer/credit report ; I carefully investigated my incident, and conculded the XXXX Bankruptcy XXXX never provided any information to the companiess, nor do they ever validate and/or confirm public records ; The public records information is never validated by the Recorder of Deeds nor the XXXX Bankruptcy XXXX system due to the Fair Credit Reporting Agency Privacy Law ; The XXXX Bankruptcy XXXX XXXXnfirmed that your company has never validated or verified this public record entry on my consumer/credit report, neither will they ever be by them. 
They further stated while they are not liable or responsible for any misuse or incorrect publicrecords, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly : XXXX. XXXX, Experian and XXXX failed to provide me with competent and documentary evidence toprove that the disputed information is verified. 

The law is clear : " If the CRA can not validate the information with the information furnisher, CRA must remove said information from the consumer file '', I have the right to an accurate consumer/credit report.
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2023-11-02
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX Tx. XXXX XX/XX/2023 To whom it may concern, This is an investigation request letter. I recently looked at my credit report. I wanted to make sure that everything is 100 % correct and accurate with all the credit breaches happening. I asked that certain items be investigated when I saw that the creditor has reported on my consumer report information inaccurately. 
I am writing to request a detailed description of the investigation process carried out by the three-credit agencies regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ).

Under Section 15 USC 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute.

1. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.

2. [ Name of Account & Account Number ] : Provide the description of the procedure of the investigation used to verify this account if you can't delete this account immediately.
Consumer complaint received 2024-07-05
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. (TX)

The credit reporting agencies have asserted that these accounts underwent thorough investigation and were verified as accurate. However, this assertion conflicts with the multiple inaccuracies clearly evident on my credit report. 

As a consumer, I am deeply concerned and request a detailed explanation of the steps your agency undertook to ensure the accuracy of these items, as mandated by 15 U.S.C 1681i ( 7 ) Method of Verification. It is perplexing and frustrating to see discrepancies persist despite your confirmation of verification. 

I urge you to provide me with comprehensive documentation outlining the specific methods and criteria used in the verification process. I expect transparency and accountability in accordance with the Fair Credit Reporting Act to resolve these ongoing issues promptly. 

Please address these concerns promptly and provide me with a clear path forward to correct these inaccuracies on my credit report.
Consumer complaint received 2023-10-31
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This is a follow up complaint to the initial complaint # XXXX. 

As a response to that complaint, Capital One was supposed to issue a {$100.00} credit. 
However, that has still not happened. 

Capital One is continuing their dishonesty about the resolution. 

They credited XXXX miles to my rewards account claiming the XXXX miles have a value of {$100.00}. 
That is BLATANTLY incorrect and dishonest! 

The value of of XXXX miles according their own redemption website is ONLY {$5.00} and NOT {$100.00} as they claim. 

Please see attached screenshot where I am trying to redeem XXXX miles for statement credit. They are calculating that as {$0.00}. If XXXX miles equal to {$0.00}, by simple math XXXX miles have a value of only {$5.00}. 
Please see attached screenshot and their letter. 

In order to credit my account by {$100.00}, the reward miles need to be XXXX and NOT XXXX. They have only credited {$5.00} and not {$100.00} per their letter.
Consumer complaint received 2023-12-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. (NY)

On XX/XX/2023, I went to a Citibank branch in XXXX to submit a wire transfer to a business associate. Because the wire transfer was for a large amount, {$48000.00}, I decided to visit this local branch to complete the transfer to avoid any delays or restrictions. The banker who assisted me processed the transaction and gave me documents that confirmed that the funds were transferred to the recipient. They waived the wire transfer fee for me as well. XXXX minutes after I completed the transaction, I was unable to access my account so I went back to the branch where I completed the transfer and they informed me that my account has been closed without providing me with any reason. They also reversed the wire transfer so my business associate never received the funds. They informed me that they will mail a closure letter to my home. I reached out to customer service after to find out when my funds would be returned to me that was available in my account before the closure and they informed me that they will not be issuing me a check. The informed me that my remaining balance was returned to the previous company that paid me and that I would have to retrieve my funds from them which wont be available for at least 60 days from the time when they initially closed my account for no reason.