davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-11
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: DISCOVER BANK ()

My Discover Card has been closed for some time. 

A refund of {$100.00} was paid to this card on XX/XX/XXXX ( XXXX ). 

The refund was confirmed by both XXXX and XXXX the payments company. XXXX confirmed the refund was processed to my Discover Credit Card ending in XXXX expired XX/XX/XXXX. 

My details on file should be social ending XXXX, last card XXXX digits XXXX, XXXX XXXX name XXXX XXXX XXXX, phone XXXX, email XXXX Discover are unable to locate my account and I have not received the refund processed and confirmed by XXXX. See attachment for the confirmation codes of the refund from XXXX their processor.
Consumer complaint received 2024-07-11
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. (MO)

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 use 1681. 

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 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 an 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

15 USC 1681C-2 states except as otherwise provided in this section, A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please honor my request and remove these accounts from my credit report immediately.
Consumer complaint received 2024-09-06
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. (AL)

After careful review of my credit report this debt collection has added an account not mines to the report I have sent cease and desist to the collection asking for VOD none of the documents has been return no further communication or harassment communications and the account needs to be removed I have now started the pre litigation process in violation of my FCRA affidavit advising this account is not mines and proof of identity issue has not been resolved I ask that you remove the account and inquiries immediately identification passport attached copy of one request I have multiple letters, and proof of address from my insurance
Consumer complaint received 2024-05-07
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: InstaLend (GA)

In the beginning of XXXX, I purchased a home that I planned to renovate and resell. I reached out to XXXXXXXX XXXX XXXXXXXX, XXXX and spoke with a XXXX XXXX. We went over all my qualifications and ran my credit. He came back and said INSTALEND has approved me and I have to begin the process of sending in my personal and business financial information. 

During the process XXXX XXXX of Instalend would ask for several pieces of additional information, and once I turned it in to them, they continually asked for other irrelevant stuff and kept pushing back the funding for no reason. After WEEKS went by and absolutely no word from Instalend, XXXX XXXX and I were baffled because the company just stopped communicating all together. 

Because of their suspicious activity, I looked them up and they have a judgement against them with the SEC. Once I brought this to XXXX XXXX 's attention he told me that they have severed ties with the company. This left me in " Nomads '' land for several weeks because I HEARD ABSOLUTELY NOTHING FROM BOTH SIDES! 

I finally called Instalend and spoke to XXXX and I asked for a refund for the appraisal because they are not going to fund the deal even though they gave a pre-approval and requested TONS of financial information. The guy was EXTREMELY rude and said he will not refund my appraisal fee because he said my credit score did not qualify to do the deal ( which should have been a denial from the beginning ). I asked him, how is that so? You gave a pre-approval, you asked for my financial statements, and THEY HAVE NEVER SENT ME A DENIAL LETTER OR ANY OTHER COMMUNICATION! 

So now I am extremely worried because these guys are shady and they have access to my personal and business information and I have no clue who these guys are. 3 months has passed and till this day I have yet to receive any type of denial letter, follow up letter, refund etc, NOTHING. Not from XXXX XXXX of XXXXXXXX XXXX XXXXXXXX or Instalend.
Consumer complaint received 2024-08-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc (NC)

My daughter was seen by XXXX XXXXXXXX XXXX XXXX I never received a bill so i assumed it was taken care of by insurance. I didn't receive any notification about a balance via mail or email until i received a letter today from Bull City Financial Solutions that they were trying to collect a debt of {$150.00}. I can assure you, if i received a medical bill in that small amount, I would have paid in full.
Consumer complaint received 2024-08-14
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: ACIMA CREDIT, LLC (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-09-06
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. (OH)

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. 

- Account number : XXXX, Account name : XXXX  - Account number : XXXX, Account name : XXXX  - Account number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXXXXXX XXXX looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AL)

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IL)

On XX/XX/year>, I received a letter from American Coradius International, LLC, a debt collector, trying to collect {$750.00} they claimed I owed to XXXX XXXX XXXX XXXX 

I DO NOT owe XXXX, XXXX any such amount. 

I called XXXX XXXX support and they confirmed that I have a XXXX balance. 

I also checked my credit report and there is no report of this collection or supposed debt.
Consumer complaint received 2024-05-22
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)

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. 

has violated my rights. Or a list of inquiries : 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 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2024-09-02
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$5100.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX  XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-10-20
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. (GA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US) (NJ)

To Whom It May Concern, This is an attempt to collect a debt by XXXX. 

I am wrongfully being charged for an amount of {$450.00} by XXXX to collect a debt for an item that i sold almost 2 years ago on XXXX. 

Here is the history regarding this transaction. 

I sold an XXXX XXXX Laptop to a buyer on XXXX. The buyer opened a case against me saying that he never received the item which was NOT true. Upon my own investigation of checking with his local post office it was determined that the buyer did indeed pick up the item from his local post office. 

When i contacted the buyer asking why he said he didnt receive the item he opened another a case again saying that the screen of the laptop had a pixel that was damaged which again was NOT true at least once the item left my possession. I made sure to check the item and take pictures of the item showing no signs of damage to the screen while in my possession. 

As a result and over time XXXX made an attempt to take the money out of my checking account for the full amount of {$450.00} which i put a stop to by removing my credit card on file which is why there is an outstanding balance. I didnt feel it was right for this buyer to try and scam me out of the item that i sold him and he still has in his possession saying that he never received it and than saying that it had damage to the screen all while trying to have XXXX reimburse him in full while i am out of a laptop and the money. 

Fast forward to late last year and earlier this year... 

i contacted XXXX and and spoke with many different people in various departments ranging from XXXX to collections etc.. and after explaining my story to one of the support people they informed me that the buyer who purchased my laptop has been removed from the platform and is not verified coming from XXXX XXXX and i was informed by the XXXX support person that this was an attempt by this person to scam me out of the money and laptop and saying that this outstanding balance would go away and that i would not be held responsible for it. 

I called again and again speaking with different people and unfortunately nothing has been resolved as i check by logging into my XXXX account only to see that my account has been suspended as a result of this issue. 

Now most recently i have received a bill from a collection agency Allied International attempting to collect a debt for the {$450.00} which is the total amount for the sale of the laptop that was done on XXXX. 

This is totally wrong and i am extremely upset and can not believe a company like XXXX would favor someone trying to scam me. 

Sincerely, XXXX
Consumer complaint received 2024-05-22
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: ALLY FINANCIAL INC. (OR)

I signed up for XXXX ( later changed name to XXXX before spontaneously shutting down ) which was supposed to be a community driven organization " revolutionizing the finance industry '' and providing a distributed return on the benefits of managing card services through an XXXX structure. Aka, a debit card mobile bank that distributed the transaction fees to the members instead of the XXXX XXXXXXXX XXXX. 

They deferred launch, delayed delivery, didn't provide promised features, didn't complete product public-launch objectives, and all the while doing education videos to show us how to help the project. They took XXXX in member dues and only the very top influencers got anything back, who subsequently have mostly deleted their telegram threads and member spaces where they were encouraging all of us to continue. This all pushed it way past the typical 60 day dispute window. 

My initial transaction of {$490.00} was back in XX/XX/year>. 

To top it off they announced a name change and asked people to resign documents, followed by " closing down the project indefinitely '' at which point websites were deleted, domains were shut down, and there is basically no way for anyone to get in contact with the core team that just ran off with millions. 

Recently, a class action lawsuit has been started and over XXXX former members are filing against the company for fraud among many other things : XXXX XXXX XXXXXXXX I contacted my bank to get the transaction disputed and they basically cold shouldered me because of the 60 day dispute window, but as I said, it was always " we're almost there '' until it was too late. I wasted a lot of time and energy on top of that {$490.00} but I'd like to at least get that back if possible. 

Thank you for your help.
Consumer complaint received 2024-09-06
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)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The amount with XXXX XXXX limit Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2024-05-21
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: ALLY FINANCIAL INC. (FL)

The inquiries listed in the FTC report attached were not authorized to run my credit " I am only reporting Hard inquiries listed with the following companies that I did not authorize and want all removed. 
ALLY FINANCIAL-XXXX XXXX XXXX ALLY FINANCIAL-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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (WI)

Mr. Cooper has a bad staff member that should be fired. XXXX after Mr. Cooper had my XXXX XXXX dismissed it was all mixed up, because of the XXXX record keeping. Mr. Cooper charged back all off my XXXX XXXX debts both pre and post-petition XXXX. In fact Mr. Cooper denied having ever received trustee payment. I was forced to provide canceled checks. That was not enough. I was forced to arrange a phone call with Mr. Cooper and trustee. I have attached email to Cooper. Its making sure funds cleared. ( Trustee ) attached. BAM Mr. cooper finds payments. From not payments ( XXXX pay ) attached. ( x ) attached Cooper comingles claims from 2 properties. ( XXXX ) attached Cooper sort of nearly comprehends error. But does not fix. While many have handled my account the name on all these is XXXX XXXX, who should at least be able to see what she has said in the past. I believe she is attempting to cover her errors. This agency should not accept reply from her in this matter.
Consumer complaint received 2024-05-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (SC)

I deposited one payroll check from my new employer on Saturday XX/XX/2024 at a Wells Fargo atm and another payroll check from the same employer at a Wells Fargo bank on Monday XX/XX/2024. At first they told me the checks would be held until today XX/XX/2024. This morning I got a notification stating they are holding my checks for another week. Both my husband and I have called and have been told different things. Wells Fargo told my husband because the funds have been flagged for fraud and they told me they have not received the funds from the XXXX I work at. When I asked for documentation on the hold reason they said they could not provide that to me. The XXXX I work for is XXXX XXXX XXXXXXXX XXXX XXXXXXXX, South Carolina.
Consumer complaint received 2024-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

I have no true point of reference of this account. 

I demand immediate validation of the alleged debt. Provide the initial agreement, details of the original creditor, an authentic signature on the agreement, and documentation of the assignment of this account. Failure to provide this information will invoke the Doctrine of Estoppel by Silence as established in XXXX vs. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, leading me to conclude that there is no proof of the alleged debt and that no such debt exists. and must be deleted for my credit file.