davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-02
Product: Credit reporting, credit repair services, 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. (IN)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2024-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: EdFinancial Services (GA)

Continually receiving messages from XXXXXXXX XXXX XXXXXXXX college in regards to a tuition bill. However XXXXXXXX XXXX XXXX XXXX  XXXX for XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX ) is part of the XXXX XXXX XXXXXXXX legal case that was approved on XXXX XXXX, XXXX for borrower defense applications ( see attached https : XXXX  ). Had my XXXX XXXX Applications approved in XX/XX/XXXX ( see attached files ). XXXX 's XXXX continues to send email messages about money owed to them along with reporting negative information to XXXX. In reviewing my XXXX credit report, no negative reporting is showing from XXXX XXXX XXXXXXXX XXXX. This is a scare and harassing tactic that they are using for money even though XXXXXXXX XXXX XXXXXXXXXXXX XXXX has closed.
Consumer complaint received 2024-01-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc. (MA)

I have been a victim of a massive identity theft. This is just XXXX of the XXXX institutions they used to attach my banks and credit cards to third party apps and completely wipe me out... This has been going on for a year now and can't get help from anyone so I have been forced to go this route. I have the police report, the FTC REPORTs along with having to freeze my credit etc... Please help me?!! ; please
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

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 2023-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc. (TN)

I received a letter from united collections Bureau incorporated XXXX XXXX XXXX. XXXX OH XXXX. Telephone number XXXX. 
They list the debt of {$7600.00}. This is with XXXX XXXX XXXX XXXX  account ending XXXX. I have no knowledge of this debt and XXXX has no knowledge of this. This notice is dated XX/XX/2023.
Consumer complaint received 2019-03-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Im reaching back out to you guys because you assisted my with some items on my credit that werent mine. There are still two items on my credit that I know nothing about. XXXX XXXX and XXXX XXXX  XXXX. This sound like something dealing with some type of medical. Im doing this on my own behalf and have already contacted the FTC and my local police. I have been on my job for over 10 years and have full benefits I have no need to go to the doctor without being able to pay. Please remove these items from my credit.
Consumer complaint received 2023-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NY)

I am currently a victim of fraud. An individual fraudulently opened a XXXX XXXX XXXX credit card in my name without any intention to pay the balance, resulting in a charge-off of the balance owed to the company. I filed a police report proving this was a fraud and submitted the report to all three credit bureaus. So far, only XXXX and XXXX have removed the judgment from my report, whereas Experian continues posting the charge off, and it continuously reappears on my credit report every time I run it. When a spoke with an agent from the bureaus ' fraud department several times, they agreed that the XXXX XXXX charge-off is fraudulent, and therefore the judgment needs to be removed. They keep on telling me to give it time and that the negative judgment will automatically fall off, however, XXXX and XXXX have removed the judgment immediately upon receiving the results from the police report, with Experian having no interest in doing so, resulting in my credit score with Experian being extremely poor. I would like them to remove the judgment as soon as possible, so I may start building my credit again.
Consumer complaint received 2024-02-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MD)

I opened a case with you in XXXX. Citibank is indicating because a chip and pin was used for a ATM advance, I am responsible for a {$480.00} which I did not receive funds. I did attempt the ATM machine in the hotel ; however, it didn't dispense and was inoperable. The charge in question was XX/XX/XXXX, and I departed Arizona on XX/XX/XXXX. I have proof that I was in Maryland the afternoon of XX/XX/XXXX and the rest of that month. Citibank sent you a notice indicating that they would look into it, and an investigator phoned me which is when you CLOSED the case. I asked them to inquire with the ATM company to verify the machine was inoperable during my stay. Now the amount is showing due on my account once again, no one has contacted me since, and I am now opening another case in order to get this sorted out. 

Please do not close my case until this is resolved.
Consumer complaint received 2017-12-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cohen McNeile & Pappas, PC (MO)

I received a collection letter from a law firm representing XXXX XXXX. They claim I owe {$14000.00}. They demanded that I pay on the debt. The letter was addressed to me by a former name that changed 17 years ago, not my current name. I was divorced in XXXX of XXXX. I have a credit card with XXXX, but in my current name. I believe my identity was stolen and used to make charges on this account that I know nothing of. XXXX had no correspondence with me prior to this letter. The letter did n't even let me know an account number. The law firm is now taking me to court to make me pay these fraudulent charges.
Consumer complaint received 2024-03-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (VA)

Last Monday, the XXXX of XXXX at about XXXX someone hacked my account and moved XXXX from my savings into my checking, then transferred XXXX and XXXX to their own debit card which I did not put on my account, incurring 2 instant transfer fees of XXXX and XXXX respectively. 

Since then I have been on the phone with them countless times as they assured me they were handling it. Earlier this week they unlocked my account but there was nothing said or replaced in terms of the funds stolen. Since then they have only told me that I need to wait for an email from the proper department because the department handling my case didn't take phone calls. I have been waiting for days and not a single email from this mysterious " department '' and my bills are piling up. 
My electric company is threatening to shut me off, my gas company is at my XXXX my car insurance is about to lapse, among many many other problems that stem from not having access to my funds. 

The company has verbally acknowledged that it has been over 10 days while on the phone with me today ( XX/XX/24 ) and I informed them I was filing a complaint.
Consumer complaint received 2024-03-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (OK)

This company has lied stating that they never received the payment, and they did in 2021 from my insurance XXXX. They illegally placed a collection on my account when this has been paid IN FULL of XXXX. They have not sent me invoice to my current address, and I have been waiting for the invoice for about 1 year. I finally got in touch with XXXX, and they had to pull the record since it was old from their archives. Again, I was XXXX XXXX at the moment I went to this clinic and XXXX  pays my medical bills in full.
Consumer complaint received 2023-09-09
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. (TX)

In accordance with the Fair Credit Reporting Act DEPT OF EDUCATION/XXXX  Account Number XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX  Account Number 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 an account without my written instructions.
Consumer complaint received 2024-03-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (NM)

The medical bill for XXXX, was sent to collections after they received the insurance payment, never sent a corrected bill. Had an issue with the medical bill with the insurance company and it was fixed in XX/XX/XXXX and sent to collections in XX/XX/XXXX. 

Was sent a letter about the collections in XXXX XXXX and disputed the debt. 

Received a letter in XX/XX/XXXX, and called the company, they were only able to tell me the company and amounts, however could not tell me anything about the collection. 

I called the company of the bill, and the account in the collections has the wrong account number they are trying to collect from my son who is a XXXX 

Never received any phone calls from the collection agency, and never received a follow-up on the dispute.
Consumer complaint received 2024-03-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc. (NY)

There was a cell phone promotion in XXXX and I need to bring my own number there. So on XX/XX/XXXX I want to pay {$3.00} to port out a XXXX number, but Google use XXXX to push me using google pay, and I am not able to use other payment methods like credit card. when I use google pay, it asked me upload driver license, although I have uploaded 3 years ago. During this period, the representative gave me wrong direction and I can't find the place to upload ( the case XXXX ), finally they sent me the right direction on XX/XX/XXXX and I uploaded my license again, but it has been 6 days, still no reply, I still can't use google pay to port out my number. Google is worst inefficient now and using monopoly to keep customers in these horrible inefficient experience. Now the promotion in XXXX has ended, because of google 's XXXX  policy, I can't get my new phone.
Consumer complaint received 2023-04-21
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: Experian Information Solutions Inc. (AZ)

I bought a new ( used ) truck in XXXX of XXXX and had an accident that resulted in the vehicle being totaled out by the insurance company. XXXX XXXX was the finance company. In XXXX of XXXX I got a bill stating the payoff balance was {$200.00} and the payoff was good through XXXX. I paid the {$200.00} on XX/XX/XXXX before the payoff expiration date, and it cleared my XXXX XXXX XXXXXXXX account on XX/XX/XXXX. I received a " PAID IN FULL '' notice from XXXX XXXXXXXX on XX/XX/XXXX. Then, on XX/XX/XXXX, I got a new bill from XXXX XXXX with a new payoff balance and payoff date. XXXX XXXX can not keep adding a balance to my account. XXXX paid them off and now they have reported to the credit agencies I never paid my bill which is incorrect and I want this resolved. I disputed this with Experian, XXXX and XXXX and so far Experian, despite the supporting factual documents I have submitted, has not changed any of this info on my credit report. I need help fixing this. Thank you for your time.
Consumer complaint received 2023-02-21
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: Experian Information Solutions Inc. (VA)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. I hope the disputed items will be corrected as soon as possible : 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 2024-03-19
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my XXXX  XXXX, disrupting my sleep and peace of mind.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

I trust this message thinks that you are well. I'm writing to communicate my XXXX  and present a protest to EXPERIAN with respect to the ill-advised utilization of my credit report and the revealing of incorrect data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. Regardless of your affirmation of leading a legitimate examination, after checking on my credit report, I found that erroneous data endures. The disparities incorporate however are not restricted to, the date opened, date of last action, date revealed, account status, and installment history. It is dampening to take note of that such errors keep on being reflected in my credit report, notwithstanding the underlying solicitation for examination. I trust what is happening encroaches upon my privileges as framed in 15 U.S.C 1681 section 602 A, which underlines my right to protection. Moreover, 15 U.S.C 1681 section 604 A Section 2 specifies that a shopper detailing organization can't outfit a record without my composed guidelines. I compassionately demand an exhaustive survey of my case and the brief revision of the errors in my credit report. Your participation in settling this matter is profoundly valued. That's what I believe, as a legitimate credit revealing office, EXPERIAN will do whatever it takes to correct this present circumstance and guarantee the exactness of the data in my credit record. I have attached the FTC report with the report number XXXX to support this complaint
Consumer complaint received 2023-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX
Consumer complaint received 2018-08-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: The J. G. Wentworth Company (MN)

We closed on a house on XX/XX/XXXX, but title agent said we still can file complaint. 
Initially we licked our rate at 4.6 %. Then I asked about lender credit to cover pmi and some closing costs. We increased interest rate to 5.25-5.5 %. And this would have covered upfront pmi and all closing costs and prepaid items. So, the only item we were responsible for is our down payment ( {$11000.00} ). 
We paid {$4000.00} as an earnest money, so remaining cash to close amount was {$7500.00}. 
3 days prior to closing lender released CD where cash to close amount due was almost {$11000.00}. When we tried to clarify this, lender said this is not final amount and it will be corrected. Couple days later we received another CD reflecting little bit more than {$17000.00} as cash to close and our rate was increased to 5.75 % without our knowledge and consent. That triggered our payment increase by almost {$100.00}. 
Than a day before we received another CD, with increased rate and little bit more {$12000.00} cash to close amount, I tried to connect with Consultant, supervisor and manager regarding this. The only answer I got is that pmi all of the sudden increased. No one disclosed pmi amout to us. 
We submitted documents 3 weeks before closing and lender waited until the last moment to disclose this info. I still dont know what is increased pmi amount is. It was never disclosed to us. 
We spent all day at closing table and did not know what is the final cash to close is. 
When final CD appeared we noticed that lender increased rate even more without our consent and agreement and final cash to close was {$5000.00} more than discussed. 
This triggered ur to liquidate our savings. 
I had expressed my concerns to title company and said that current CD is not accurate and was told that we should sign and I still will be able to file complaint. I strongly believe that rate can not be increased without customers consent. Additionally, full disclosure should be provided in advance. Please help to resolve this problem.
Consumer complaint received 2023-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2024-04-04
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. (NV)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2018-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

I sent a paypal somehow to an invite from someone's old email, and the money was accepted, then I resent to the same email and it was not accepted, I updated to this person 's new email, and then I had to dispute past issues, and the person is having trouble receiving correct money, and my dispute has taken 3 weeks to handle with no solution. I've been charged interest fees and experienced XXXX   from the poor transactions, taking money out of my cards that I do not prefer. 

This old incorrect email is for a " XXXX '' account, and the current correct email is for a " XXXX '' account. Here are the exact emails in this situation 1. Old incorrect : XXXX 2. New correct : XXXX XXXX
Consumer complaint received 2017-12-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Today is Saturday, XXXX XXXX 2017. I 've been trying to pay my mortgage on mrcooper.com for approximately 10 days. I have n't been able to login to my account on their website for this entire time. I have asked the company to reset my password 4 or 5 times and have been successful in changing it most of the time. On their website, after choosing a new password, you are then directed to a page to login with the new password. This is n't working. I know that I am typing the passwords that I have just chosen yet the website still says my password is incorrect. I have sent emails to the only email address I can find on their website which is designated for reporting accessibility problems due to XXXX or XXXX Mr. Cooper has sent me a very nice email telling me that I have sent an email to the wrong department and that I should call the company instead. No one is answering my phone calls. I realize that it is the XXXX season. People want to be off work. Should n't there be a message on their phone system saying that they are closed for the holidays? This company recently purchased my mortgage but I was able to make my payment online last month. This is incredibly frustrating and I want to get this resolved before the end of the year. I apologize for ranting.