davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-13
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK (PA)

On XX/XX/2024 I paid my water bill {$140.00}. When I submitted it to the water company they immediately sent me a confirmation notice that the funds were on my Discover card and the payment was successful. 
Here is the confirmation # I was sent with the amt I paid the water company. 
============== " Confirmation number : XXXX -- Full amount of transaction : {$140.00} '' If there would not have been enough money to cover this bill the water company would have immediately displayed a message saying " Payment was not successful '' BUT -- - the payment was successful.

================ I checked my Discover card online thru my laptop XXXX XXXX -- As soon as I paid the water company, the {$140.00} was pending and was immediately taken out of my " Available Credit ''. 
On XX/XX/XXXX I received an email from the water company saying I was past due on my payment. When I called them the rep said Discover had declined my {$140.00} payment a few days later after they had taken that amt out of my " Available Credit '' and set it aside to pay the water bill when the water company would take it from Discover. 
================ The Discover rep said the funds were not available to pay the bill, that I was over my limit. 
They are lying. They deducted the {$140.00} from my " Available Credit '' on XX/XX/XXXX. 
On XX/XX/XXXX there was more than enough money on the card to cover the water bill, that's why the water company sent me a notice saying " XXXX was successful ''. 
================ Discover removed my {$140.00}, refused this payment to the water company after it had been set aside to pay this bill and did not put back the {$140.00} into my " Available Credit ''. 
================ In short, they are lying, they stole my money. I want it back immediately. 
In PA stealing {$140.00} is a XXXX degree misdemeanor, that carries a penalty of 2 years in prison, with a {$5000.00} fine. But this bank can steal my money and there are no criminal charges. Well, we'll see. I am going to contact the police to file a criminal complaint against them if I don't get my money back. I will also be in contact with my lawyer. 
================
Consumer complaint received 2023-11-03
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. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I have several unauthorized and fraudulent inquiries reporting on my consumer report and I am being heavily affected by them. These inquiries were made by the following companies 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 I have never authorized any of these companies to view my consumer report. Not only is this a breach of privacy but your company is also in direct violation of the FCRA. I am requesting you validate and verify these inquiries by providing me with a contract bearing my signature that authorized all inquiries. 

If this documentation is not provided to me within 30 days these inquiries must be removed immediately, if you fail to do so you are willfully in non-compliance by continuing to engage in fraudulent practices. Furthermore, you are in violation of the FCRA. 

Thank you for your attention in this matter, XXXX XXXX XXXX  Without prejudice, All Natural Rights Reserved
Consumer complaint received 2024-07-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CO)

XX/XX/year> My mortgage Servicer, Mr. Cooper. Is a nightmare. I can not speak with a human in their customer service or the escrow department. After going in circles numerous times and trying various phone numbers. Their AI system just goes in circles. I can site numerous steps I followed only to repeat myself in a maze with no results. Why do consumers have to jump through hoops and nonsense? 

Next, I tried their chat assistance. The Chat representative said there is no human contact person for the escrow department. OK fine, I then asked about how to actually speak with a human in customer service dept. I was instructed to call a number then press # XXXX and next # XXXX. Did not work. I did not select Mr. Cooper as my mortgage servicer. Why am I held hostage to a company that has cut corners to not provide actual human customer service? This should be criminal! 

Contact Info below Mr. Cooper XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Real-Time Customer Assistance Our Customer Service team can be reached by calling XXXX during these business hours : Monday - Thursday, XXXX XXXX. - XXXX XXXX. ( CT ) Friday, XXXX XXXX XXXX XXXX XXXX  ( CT ) Saturday, XXXX XXXX  - XXXX XXXX ( CT ) Phone Only/ No Live Chat
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (MD)

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. 

MY ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE AND UPDATE ALL OTHER ADDRESS. 

ACCOUNTS DEPT OF ED/XXXX  Account XXXX DEPT OF ED/XXXX Account number XXXX
Consumer complaint received 2023-11-17
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: Experian Information Solutions Inc. (NY)

I have information that I do not want on my report because it does not belong to me and it affects my credit too much. I want it to be reviewed and deleted. 


XXXX XXXX {$480.00}
Consumer complaint received 2023-07-17
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. (LA)

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 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 2023-07-17
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)

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 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 2023-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to my credit report, I owe XXXX XXXX XXXX over {$17000.00} for a vehicle but I dont even have a drivers license. I am not sure how I can finance and own a vehicle without a Drivers License. I believe I have had identity theft.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (FL)

I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report with the reference number : XXXX, which is enclosed with this correspondence. 

XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00}
Consumer complaint received 2023-11-03
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)

According to 15 U.S. Code 1681c2, " 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, not later than 4 business days after the date of receipt. 

On XX/XX/XXXX, I identified the following accounts as a result of identity theft, and these accounts remain on my credit file. You are in direct violation of the FCRA. This is my 2nd demand for removal. If not corrected, the next step will be legal action. 

Remove and block the following accounts : 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 2024-07-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (LA)

I remitted the statement balance on the account on XX/XX/year> in the amount of {$100.00} representing the full balance owed on the Citicard Shell Master Card. On XX/XX/year>, I was notified by the company that the payment had not been received, 30 days after remittance. I then re-issued and mailed a second check for {$190.00} which represented additional and subsequent charges as well as the earlier remitted statement balance of {$100.00}. At that time I requested waiver of the {$29.00} late fee as well as accrued interest which was honored, confirmation received. Citicard services again contacted me subsequently on XX/XX/XXXX via " late notices '' stating that the account was past due and that there was not record of the second remittance for {$190.00} mailed XX/XX/year>, some 9 days earlier. Being annoyed with the now two " missing '' remittances, I sent in the cut up credit card to effectuate closing of the Shell MasterCard account. This account 's history reflects that I have never had issue with or had never been remiss in making timely payment of the entire balance before payment was due. Yesterday, XX/XX/XXXX, I spoke to a XXXX of the Executive response team regarding this matter. She firmly told me that the processing center had NO RECORD of either payment remittance. Yet, at XXXX today XX/XX/XXXX, I received an e mail thanking me for the {$190.00} payment and that it was being processed, now 24 days subsequent to the mailing of the remittance. CitiCard 's processing center is delaying processing of payment remitted and is effectively " losing '' customer remittances. This appears to be an overt effort on their part to generate late fees and interest to inflate revenues in a possibly fraudulent manner. As of yesterday, XX/XX/XXXX, I stopped payment on both remittances allegedly missing and unreceipted and reissued my payment in full, less the stop payment charges assessed by my credit union, {$25.00} per check.
Consumer complaint received 2023-02-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: EAST WEST BANK (GA)

I dropped off payment check to my local post office in the amount of {$420.00} to pay for my power bill by mail around XXXX XXXX XXXX The same check posted to my checking account on XXXX  for {$85.00}. The check was altered and made payable to someone I do not know and the amount was changed to " {$8500.00} / XXXX XXXX XXXX ''. My bank, East West Bank paid the check in the amount of {$85.00}. I contacted my bank and a Forgery Affidavit Claim was submitted on XXXX. It is now XXXX and I have asked about status numerous times but have been told it is still pending. I have not received any resolution or money back as of XXXX. My last status check to bank manager was XXXX
Consumer complaint received 2023-11-03
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)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 
I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation. 
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 2024-07-09
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: AMERICAN EXPRESS COMPANY (NY)

I disputed an amount XXXX XX/XX/year> with American Express from XXXX According to XXXX and there emails and phone conversations they refunded American Express American Express is stating they where never refunded and applied a provisional credit instead of a permanent credit I have asked Amex to contact XXXX they have not This should be a closed dispute with a permanent credit given by XXXX XXXX been no attempt from Amex to reach out to XXXX
Consumer complaint received 2023-11-03
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. (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.

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 2018-10-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HUNTINGTON NATIONAL BANK, THE (MI)

Friday morning on the XX/XX/XXXX I returned home early from work to call the manager XXXX XXXX to see if I could come and get my title so I could get my tags at the secretary of state that day. she tells me they didn't receive a title. I then call XXXX XXXX were the truck was purchase from to huntington bank. A lady name XXXX XXXX at XXXX said they sent the title and other documents on XX/XX/2018 and that someone at huntington bank name XXXX XXXX signed for it on the XX/XX/XXXX and that she would seen me a copy were he signed for it. I got the information and call XXXX back no answer no return call Friday so I went up there to Huntington bank Saturday morning she wasn't their, I talk with another branch employee name XXXX he new about the title situation and said he would look for it wild I was there and said he would call XXXX XXXX and leave a message for him to contact him or contact me concerning the title. I left the bank and call the main office of Huntington to see if they could help me get my title, they tells me that he's on vacation and that they would contact him by phone and email for him to contact me or the bank about the title, I never heard from him from beginning to the end of this situation, and time was running out. I was told to go to the social security office and they would directed me to apply for a lost title on XX/XX/2018, in the mean time I was back and forth at the bank I talk with XXXX at the bank on Tuesday XX/XX/18 I ask about where was XXXX she says he didn't come to work Monday and if the title came they can not leave documents laying around they would have to shred it they can't keep documents in that office.I received my lost title on the XX/XX/XXXX, by mail and XXXX  for next day for XXXX to XXXX to start the process all over again. I receive my title back on XX/XX/XXXX XXXX XX/XX/XXXX..
Consumer complaint received 2024-04-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

Genesis Credit Management informed me that there is an outstanding debt owed to XXXX XXXX XXXX in XXXX XXXX CA in amount of {$39000.00}. I called XXXX XXXX XXXX and they said that XXXX XXXX was leased from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX advised me to work with Genesis Credit Management to clear this debt due to fraud.
Consumer complaint received 2024-05-05
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland management company. I didn't know .l gave car 4 to 5 years ago. I couldn't pay for it had XXXX XXXX on XXXX. Now they took my money and l didn't know till l went to buy some food and find out they took my money out the bank.
Consumer complaint received 2018-10-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: LCO Financial Services, LLC (IN)

Ive contacted Blue Trust Loans/Hummingbird ( another business name ) and revoked all ACH transactions and wage assignments as well as any electronic checks to debit my account. This loan had outrageous hidden fees and even though I had originally requested to pay the loan in full they still set up the loan in biweekly payments on my pay date. The interest rates far exceed the allowable amounts in Indiana and they are allowing users to borrow more then what the state allows which is {$550.00}. They have not responded to my revocation email and should not be lending in Indiana as they are violating the lending laws and do not have a license to operate in this state.
Consumer complaint received 2023-11-03
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. (AZ)

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 XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account 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 2024-07-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NY)

A collection was placed on my credit report for an application fee for an apartment building and associated returned payment fees. I do not believe that the company that made the report on my credit is legitimate and the information I have found about the company online is suspect. I have had the collection removed from my credit report and a fraud alert placed on my social security number. Despite the credit bureaus removing the item from my report, I continue to receive emails from the company requesting funds. 

The name of the collection company is XXXX XXXX with an address of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The apartment that this is allegedly for is The XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX when I became aware of the collection on my credit report. Upon comparison of the information for the applicant, it was agreed that I was not the person who used my social security number. Weeks later, I received another call requesting funds. After numerous exchanges, I submitted a dispute on my credit report which resulted in the collection being deleted, however I continue to receive invoices from this company.
Consumer complaint received 2023-11-04
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. (AL)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed XXXX XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$740.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXX/XX/XXXX.