davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-07
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX  Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$150.00}
Consumer complaint received 2024-05-21
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. (IL)

Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account/items was in dispute within 30 days now this account in violation XXXX XXXX XXXX  ( Original Creditor XXXX XXXX ) XXXX Balance Owed : {$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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion, XXXX and XXXX constantly violates my rights as a consumer under the FCRA. I give documents that are requested then they try to find another reason not to honor my accurate and complete Identity Theft Reports. I am submitting yet another documents requested. I got a receipt for my initial police report complaint. Under section 605B under the FCRA I demand the fraudulent accounts be blocked from my credit file and stop treating my accurate and complete documents as frivolous. I expect a thorough investigation not an automated update in a day or 2.
Consumer complaint received 2024-06-28
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: CITIBANK, N.A. (CT)

Date : XX/XX/XXXX. 

Hello, I was very concerned to see XXXX unknown charges on my XXXX statement. There was a charge of {$1400.00} and a charge of {$2.00} posted under Adjustment. I immediately contacted the credit card company, and while their fraud department couldn't locate the " Adjustment '' amount, they suggested it could be a chargeback reversal. I informed them that I did not initiate any dispute for {$1400.00} or {$2.00}. Because I never made any purchase for {$1400.00} After some discussion, the credit card company informed me that they would escalate the issue to their senior fraud department, and I should expect a credit within 14 days. 

On XX/XX/XXXX, I followed up with the credit card company, and this time, they told me that the {$1400.00} and {$2.00} were transactions made through XXXX XXXX. They provided an email receipt XXXX. I explained that I did not recognize the email address and that I had never made a payment of {$1400.00} to anyone using XXXX XXXX. 

While I do use XXXX XXXX, my account has a limit that doesn't allow me to send more than {$400.00}. I brought this to the attention of the credit card company, but they didn't have an answer. I went through all of my XXXX XXXX purchases with them. 

I had previously opened a dispute with the Best Buy credit card for {$200.00} from XXXX XXXX, which I acknowledged and lost. I questioned how a {$200.00} chargeback could turn into a {$1400.00} charge. I emphasized that I did not recognize the {$1400.00} charge or have any association with it. 

I urged the credit card company to review my transaction history from XXXX to XXXX to check for a charge of {$1400.00}. They could not locate such a charge, and I am still trying to understand why it was added as an adjustment to my account. 

There is an error between the XXXX XXXX and the Best Buy credit card. I would greatly appreciate it if someone could investigate this issue. It appears to be a fraud case, and my credit card company is not providing the assistance I need. 

I want your team to investigate and ask the credit card company to reimburse me for the fraudulent charge on my account, as it has significantly impacted my XXXX XXXX. This error by the Best Buy credit card has caused me great stress, and I should be compensated for the inconvenience. 

I have attached the following documents. 

XXXX ) XX/XX/XXXX statement. I have highlighted the amounts on page # XXXX. 
XXXX ) The billing dispute letter related to XXXX XXXX shows an entirely different amount of {$200.00}. 
XXXX ) Billing dispute letter showing the credit card XXXX completed the investigation and resolved the matter. 
XXXX ) Billing dispute letter that shows the credit card company again posted the amount back to my account of {$200.00}.
Consumer complaint received 2024-06-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC (VA)

I requested dates and transaction history from the servicer and received no response. This timeline below is approximate. 

Basically, LoanCare paid my mortgage insurance premium check to the wrong address and by the time they made the payment to the correct address, my policy was canceled XX/XX/year> and the insurer refused to reinstate that existing policy. 

The new policy is much more expensive than my prior policy so I am financially harmed the first place ( I received a refund check from the insurer without explanation )
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Denefits LLC (OH)

I am unaware of this debt from Denefits in the amount of {$11000.00} on XX/XX/year>. I was not given the opportunity to dispute this information prior to placing it on my credit report. If you believe I was given proper notification, please provide the certified mail receipt with my signature on it. If you aren't able to provide that please remove this from my credit report.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma (MI)

I usually only use my credit karma account for taxes in XXXX. I filed my first dispute ever in XXXX against XXXXXXXX XXXX  for XXXX. They gave me my Disput money back then weeks later took the dispute money back out on my account then closed my account FOR NO REASON!! I have had a credit karma account for years no issues! They stole my money closed my account and I did NOTHING WRONG!!!! I spent hours on the phone yesterday getting no help!!!!
Consumer complaint received 2024-06-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc. (MS)

I applied at Lending Tree on line for a loan. I was contacted by phone saying I had gotten approved so they said my credit score was low. They sent {$830.00} to my account for me to make two separate payments to report to the credit bureau to make my score rise so the loan process wouldnt be a problem. I did that but I told them I didnt feel like I should be doing all these unnecessary gestures for a loan so I told them I didnt want the loan anymore. I woke up with a negative- {$800.00} balance but they got their money back. They said even though I paid the money back because I didnt want the loan thats why they did that with my account. They called back and said if I sent them {$300.00} that would fix the problem even though I owe them nothing.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC. (KS)

On XX/XX/year>, SoFi bank put a security freeze on our account containing approximately {$3200.00}. We recieved an e-mail at the time that asked us to call SoFi. When we called them we were told only that their security team was working on the problem and that they could not give us any timeline for resolution. We called several more times over that week and received the same answer. On XX/XX/XXXX, we called back and requested that our complaint be escalated to a supervisor. We were told that there were no supervisors and we were then hung up on by the customer service rep. On subsequent calls over the following weeks, we were told that we had violated our membership agreement and that our account was going to be closed. That was fine with us - at this point we just wanted our money back. Unfortunately, SoFi seems to leave customers with no recourse for escalating complaints in situations like this. 

On XX/XX/XXXX, we filed a case with the OCC - that case is still pending. 

On XX/XX/XXXX, we filed a complaint with the XXXX 

It has been more than 3 months now. Close the account already. We just want our money back. We tried to close the account ourselves on their website, but it wouldn't let us, because the account is restricted.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (CA)

On today XX/XX/year>XXXX XXXX XXXX sent me a message that XXXX has blocked a credit card application at Barclays Bank Delaware. Please assist me in catching this identity thief person online. He has stolen my ss # and d.o.b. and he knows my home address and email address and is applying for credit cards under my name. Need the police and CFPB to catch this criminal asap.
Consumer complaint received 2024-06-17
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: CITIBANK, N.A. (FL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I requested this alleged debt be properly validated under the FDCPA. I do not know this account or an account with the original creditor. There is a possibility that this account was opened fraudulently or by a person with a similar name. I have demanded an investigation through the national credit reporting agencies and the results state that their collection meets the standards of the FCRA. However, as a third-party collector, the debt was never validated with me. I have no dealings with this company. I have no idea what type of account it is because on consumer reporter it is listed as " debt buyer ''. This account is significantly damaging my overall credit rating, inflating my debt-to-income ratio, and I am unable to get a job because they continue to appear on all of my reports. They must provide me with proof of my alleged debt to them or my next step is to submit complaints to the Better Business Bureau, and Attorney General, and file a lawsuit.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Westlake Services, LLC (CA)

CFPB 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


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

15 U.S.C 1681 section 604 A section 2 : It also 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 2024-06-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber (CA)

Collection agency was trying to collect the debt which I did not owe. It was a medial bill at which was time that I had medical insurance with the VA. I strongly believed it was a pure error and I requested the Collection Agency to validate the debt. No response was given.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-18
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Debt Mediation, Inc. (FL)

In XX/XX/year>, I received a written communication from Professional Debt Mediation , Inc. regarding a payment of {$620.00} owed to XXXX XXXX, an apartment complex in XXXX XXXX, Florida. I contacted PDM via phone several days after receiving the letter to notify them that this is the result of identity theft. I was instructed to provide a police report showing this as an open case, but I have not been able to contact the detective assigned to a previous case of identity theft involving my personal information in order to add this information to the open case. I have never lived in XXXX XXXX, Florida, and this issue is due to identity theft. I have an open case with the City XXXX XXXX XXXX Police Dept XXXX XXXX XXXX, Florida ) where we are attempting to pursue the individuals causing these issues. The XXXX has informed me that they have discovered an identical photocopy of my FL Drivers ' License. 

Attached to this complaint are the following : XXXX. Letter from PDB describing the delinquent account at XXXX XXXX. 
XXXX. XXXX XXXX Police Dept report XXXX ( open case regarding identity theft associated with my Driver 's License ). 
XXXX. Letter from Florida XXXX XXXX XXXX XXXX XXXX  Motor Vehicles notifying me that a fraudulent copy of my Drivers ' License has been discovered.
Consumer complaint received 2024-06-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc. (TN)

We received a payoff quote from Mr. Cooper with a statement date of XX/XX/year>. We closed on our home sale on XX/XX/year>. The check was sent to Mr. Cooper on XX/XX/year> and they acknowledged receipt of check. They wrote on the check that it was paid in full, the account was closed, and the lien had ended. 
On XX/XX/year> ( after they received our payment ) they generated a new payoff quote with a higher balance. When the check cleared a few days later, they stated that the amount sent was insufficient based on the payoff quote. They are basing this off the quote they generated after they received our payment. They attempted to send back a check to the title company stating it was not enough to close the account. The title company rejected this check and provided evidence that Mr. Cooper received our payment sent on XX/XX/year> and acknowledged debt was paid in full.

We have called Mr. Cooper and were told the closing amount was {$600.00} below the payoff quote. This is inaccurate as it was paid in full by the date requested on the payoff. The new payoff quote was generated after we paid in full. They told our title company we owe {$280.00} to close our account. It is unclear where this number is coming from as they acknowledged our debt was paid in full before trying to reject it.

We are being harassed almost daily, being told we need to request an entirely new payoff quote for XXXX to close the mortgage. We are being told we need to send additional money. We are also being told they are going to purchase homeowners insurance for us and make us pay this amount.

I have talked to numerous individuals and the research team at Mr. Cooper and they state their records are accurate and they have done nothing incorrectly, despite us, and the title company, sending evidence to the contrary. As of this date, XX/XX/year>, at XXXX we are still being told that they have made no mistake and we need to send additional funds to close our account.

I am attaching our : 1. Initial payoff quote 2. Letter from title company to Mr. Cooper, including payoff quote, timeline, and check stating that our account was closed and the lien had ended 3. New payoff quote generated XX/XX/year> after our XX/XX/year> payment 4. Response from the research team stating they did not make an error 5. My emails to the research department 6. Statement showing the check was cleared on XX/XX/year> ( it was received on XX/XX/year> )
Consumer complaint received 2024-06-21
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Presto Loan Center, LLC (AZ)

I had a loan with this company that was garnishing my wages. When the full garnishment was almost paid {$2200.00} we filed XXXX XXXX. The company continued to garnish me even after the XXXX was filed and they were notified. They collected nearly {$1000.00} after they were notified thus paying the full, original garnishment. It was paid in full. Because the XXXX was filed they refunded me {$690.00} in two different checks. The bankruptcy was then later dismissed. They have started garnishments again. I was told on the phone by the representative at Presto that a new judgement was done and they have garnished almost {$1000.00} so far. The representative couldn't tell me how much I owed nor how much the new judgement was for. Nor could she tell me what fees were added nor how much was still owed to Presto. She said I was being charged 10 % interest on the debt and that is why I owe them so much. I feel like this is very predatory and they are turning {$690.00} into a much larger debt. They shouldn't be charging me interest on anything other than the {$690.00}. I was never mailed any type of statement or attempt made to inform me that I needed to pay them a balance. I feel like they are capitalizing and overcharging me fees and interest. I also think they are not following the law in their requirements to send me statements, or any type of legal disclosure.
Consumer complaint received 2023-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc. (HI)

I have an Experian free account for credit monitoring. They send me frequent emails, whenever my credit score changes, even by a negligible amount. Each time I log in, I need to dodge aggressive marketing of their paid service. Specifically, I need to decline it each time, and it takes extra effort to avoid accidentally signing up for their service because the button to decline is light gray but the one to sign up is a bright XXXX. 

This is like the dark pattern that XXXX employs to get people to sign up for XXXX, except XXXX makes you avoid signing up about XXXX times every time you place an order.
Consumer complaint received 2024-06-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (FL)

XX/XX/year> I Contacted cashapp support in app request info to let me know if I reported a security vulnerability if I would receive a reward. Then the agent says I would Receive a reward as requested since I provided the reason for The reward after I submitted the report. THEN SOMEONE ELSE FROM CASHAPP TOLD ME OTHERSPWISE. I DESRVE TO RECEIVE A REWARD BECAUSE 1. THE SUPPORT AGENT MADE A POMISE THAT I WOULD RECEIVE A REWARD AND I HAVE CREDIBLE PROOF OF where the agent said so So I should be compensate for the report plus the misleading information the agent provided to me Cashapp has until a few days to send my reward in app as promise