davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account 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 be investigated and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX Balance : {$48.00}.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

This debt was owned by a previous debt collection company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX and now XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This debt has been sold and traded between these companies without my permission. I was sent a letter claiming a debt of a different amount from the following company claiming owed by the same original debtor with the same account number. I requested further documentation such as a full account summary and the original contract with a wet ink signature, this has not been provided. This debt is being reported as some {$63.00} and paid, I HAVE NEVER PROVIDED ANY PAYMENT INFORMATION TO THIS COMPANY. This has been disputed. XXXX Report Number XXXX My information was sold to And purchased by PRO COLLECT XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. PRO COLLECT was in violation of my consumer rights so reported this debt as paid and then sold it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX placing them in violation of 15 U.S.C 1692g, 15 U.S.C 1692e misrepresenting the amount owed, possessing my sensitive information without my consent, and have not been able to produce a license number to confirm they are legally able to collect such debt. Upon sending them a letter to validate the debt by requesting the original contract with my signature and the full account history they have not been able to provide this.
Consumer complaint received 2024-03-18
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: BARCLAYS BANK DELAWARE (NY)

I signed up for a Jet Blue master card issued by Barclay 's bank. There is a promotional offer with states that after I spend {$1000.00} and pay my annual fee in full I will receive XXXX true blue travel points. 

I have already spent over {$1000.00} ( {$1400.00} ) and the payment on my first statement will be paid on XX/XX/XXXX. However, the annual fee of {$99.00} was not on my first statement, so I can not meet the terms of the promotional offer.

When I contacted Barclay 's bank, they indicated that it would take 1 - 2 billing statements before the annual fee would appear on my statement. 

I informed them that by delaying billing of my annual fee they were delaying my accrual of XXXX points and delaying my ability to book a flight using those points. 

They would not not do anything to resolve the situation and did not offer any explanation as to why this was being done. 

I want to be billed for my annual fee immediately so that I can meet the terms of my promotional offer. 

Please advise. 

Thank you.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (MO)

I noticed several years ago that Experian had my credit score very low ( the other agencies show my score in the XXXX 's range ). I called and spoke to a representative and she told me she did not know why my credit score was so low as credit appeared excellent. She then suggested to we take all my former married names off the account. We did that however nothing changed. I wrote several letters inquiring what information they had to warrant such a low score and I heard nothing. I finally got an account with them and started a barrage of emails to them. They keep emailing me back with a random response saying I had no credit history and that for {$29.00} a month I could improve my score. I have never received any explanation why they show my credit score so low ( XXXX ) even though i have begged them to investigate. This is hurting my credit as some of the credit cards I carry use Experian as their reporting service. I am XXXX XXXX XXXX and really am offended that a reporting company can arbitrarily give out false information without any explanation to the consumer.
Consumer complaint received 2024-05-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (AL)

The mortgage company has done an " annual '' escrow analysis of my account, which covers the period of XX/XX/XXXX thru XX/XX/XXXX. Annual is 12 months, not the 7 months they are claiming to be an annual analysis. As a result they have raised my monthly payment substantially.

In 5 months, I will have contributed an additional {$890.00}, which would lower the amount of my payment significantly. What would stop them from doing an analysis every time they pay out money? Maybe I want to pay in additional funds over the next 5 months to keep my payment low?

They also call me, and then ask me to provide them information to verify who I am. I don't need to verify who I am to someone who calls me. How do I know the person who called is really from the mortgage company? I have gotten a spoofed called from my own cell phone number. If they can spoof my number they can spoof anyone 's number.

This company is awful. It is sad for those of us who have low interest mortgages to have to suffer with an awful mortgage company, or be forced to refinance at a much higher rate in order to get good customer service. Their ratings are low all over the internet for a reason, and its not because they offer good loan servicing.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$3300.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$3300.00} XXXXXXXX XXXX Balance : {$14000.00} XXXX XX/XX/
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Branch Messenger, Inc. (FL)

Hello this is XXXX XXXX. My address is XXXX XXXX XXXX is XXXX, FL XXXX. 


On XX/XX/XXXX I was at the soccer field off XXXX XXXX and someone steal my wallet and then he made some unauthorized transactions. I called the police and I got the police report. Actually he steal my wallet and my XXXX and I find my XXXX from from that area by tracking XXXX. XXXX I lost like {$2800.00} {$400.00} in cash and {$2400.00} from my credit cards and debit cards XXXX XXXX already credit me {$1000.00} by the way store and Branch app is refusing to credit me my funds Here is information about the Branch app transactions {$200.00} XXXX XXXX Transaction Posted Posted transactions are final purchases or transfers that have been settled. The details will not change. 
Details XX/XX/2024 @ XXXX XXXX  ID : XXXX XXXX PIN Debit About XXXX XXXX {$200.00} XXXX XXXXXXXX XXXX Transaction Posted Posted transactions are final purchases or transfers that have been settled. The details will not change. 
Details XX/XX/2024 @ XXXX XXXX  ID : XXXX XXXX PIN Debit About XXXX XXXX XXXX XXXXXXXX  ay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL I have an open dispute case with the BranchApp, and they are refusing to refund my money Branch Dispute Case # XXXX XXXXbranchappXXXX Also, I have attached the police report and the transactions screenshots
Consumer complaint received 2024-04-21
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: EQUIFAX, INC. (TX)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-02-02
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)

Experian in conjunction with XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX have attacked my credit files again. My address is an XXXX  XXXX XXXX they changed my report to suit their refusal to acknowledge usage. Experian Consumer Services does NOT exist legally in the California Secretary of state XXXX. Multiple terminated corporation shells are present. They claim this name publicly Experian Consumer Services. I have OIG FDIC in other cases and here. Pursue the issue of my address reclassification and my vandalized scores fixed.
Consumer complaint received 2024-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC. (NY)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (NY)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX Account # 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
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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: GOLDMAN SACHS BANK USA (CA)

on the day of XX/XX/24 i had bought clothing merch from the merchant XXXX. the price of the items i ordered was a total of {$2400.00}, then i was told that my package had arrived when in reality i never received anything, i had attempted to dispute it through apple support and after a month and a half they sided with the merchant regarles of me receiving anything, which i dont see hows thats fair at all.
Consumer complaint received 2023-09-01
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. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX : {$610.00}.
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}.
Consumer complaint received 2024-05-15
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: JPMORGAN CHASE & CO. (CA)

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2020-03-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NY)

I opened an account with XXXX XXXX  through Cash App on XX/XX/2020 and was due to receive my first direct deposit on XX/XX/2020, which I didn't. I reached out to the app, who informed me that I would receive the deposit in 3-5 business days. It is now 5 business days and I still haven't received the money.
Consumer complaint received 2024-03-13
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC (NC)

My vehicle was repossessed by Westlake Financial in XX/XX/2023. The third-party, who actually carried out the repossession, was XXXX of XXXX, North Carolina . During the repossession, there was damage to my under fender and kick panel, and the parts were placed inside of the vehicle. Upon pick-up and inspection of the vehicle, I notified XXXX of the damages. They initiated a claim and advised me to initiate a claim with Westlake Financial. I initiated a claim with my recovery supervisor, XXXX XXXX. My vehicle was just about paid off. Once I paid it off, the claim initiated with XXXX XXXX became dormant, and he stopped responding to me and taking my calls. I started speaking with a new recovery supervisor, XXXX XXXX. He has since escalated and reached out to the repossessions department to provide authorization to XXXX to fix my vehicle to no avail. Its now XX/XX/2023, and I just spoke with XXXX XXXX, who still does not have a response from the repossessions department, providing authorization to XXXX to fix my vehicle. Hes now advised me to wait an additional XXXX hours for an update, as hes done on subsequent calls. At this point, Im filing a formal complaint because their business practices and procedures in place have failed, and there has been no alternative course of action to rectify the situation and have my vehicle fixed. Once Ive paid it off, the responsiveness of Westlake Financial has been slim to none. The only resolution being provided is sending escalated emails and instant messages within their in-house departments in multiple attempts to get a response from the repossessions department and their communications with XXXX of XXXX XXXX North Carolina , either to have my vehicle fixed or to simply compensate me for the damages done to my vehicle.
Consumer complaint received 2024-05-15
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: Professional Recovery Management (TN)

I received a collection account from XXXX XXXX XXXX XXXX with a balance of {$1500.00} and a collection from fox collection center with a balance of {$870.00} without my knowledge 15 usc 1692c ( c )
Consumer complaint received 2023-09-01
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)

In early XXXX of this year, I reviewed my credit and noticed a delinquent account that does not belong to me. I filed a police report the same day for fraud and impersonation and contacted XXXX XXXX of XXXX the next day and spoke with the manager, XXXX who advised me to come in to complete a fraud affidavit. He asked for personal information over the phone which I didnt feel comfortable providing as Ive never done business with this company and was very alarmed as to how they obtained my information to begin with. I went to XXXX XXXX and completed the Fraud Affidavit certifying that the account they have on record does not belong to me. The manager showed me a copy of a check which was somehow digitally deposited into a XXXXXXXX XXXX account but was completely blank on the back without any endorsements. The manager told me the matter should be resolved in about 14 days and removed from my credit. Ive waited that time and called the manager again and even went back there to be told it will take about 30 days in total. This is unacceptable, as my credit has been drastically affected, my mail and identity compromised and I want a thorough investigation of these companies, XXXX XXXX of XXXX and XXXX so that this doesnt happen to me or anyone else again.
Consumer complaint received 2023-05-22
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: EQUIFAX, INC. (FL)

When XXXX investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$24000.00}, XXXX  XXXX Balance : {$22000.00}
Consumer complaint received 2023-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX Balance : {$530.00}.