davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (GA)

On XX/XX/2021, I tried to add my newly approved Citi Custom Cash card onto XXXX XXXX. In fact my Citi mobile app prompted me to do so. 

This triggered a fraud alert on my Citi mobile app, which directed me to call Citi. 

I called Citi and talked to two different service representatives, who could not verify my identity. 
My code word did not work. They requested a landline number, which I do not have. Then they requested a work number, but I am a XXXX XXXX XXXX  with my own LLC. Then they asked if I have a Citi bank account, which again I do not have. I was told the only thing I could do is to wait for a letter in the mail with a reference, and I would have to call them again to verify my account. As a result I could not even sign into my online Citi account any more. 

I find Citi 's fraud alert system extremely cumbersome for the customer and does not make any sense. The method they employ is not used by any other industry peers. I have never had to jump through so many loops just to add a card to my mobile wallet. And this all before I started using my card.
Consumer complaint received 2021-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (GA)

This company continues to report an auto loan that was included in a bankruptcy almost six years ago. They are currently reporting 120+ day late payments. There are several inaccuracies also being reported and I need the account removed from my credit reports immediately. The date the account went delinquent is also incorrect. They have it reported as XXXX. This account was due to be removed from my report this year but then they changed to date and continue to report late payments. They have continued to report false information. This is a predatory lender with several claims and lawsuits already filed against them. They must be stopped from doing this to people.
Consumer complaint received 2021-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC. (TX)

I cancelled my auto insurance policy with XXXX as they unfairly raised my rates for an auto accident I wasn't even involved in. Additionally, there was no money paid out on any claims nor was I charged a deductible. They also raised my rate for a ticket I got around XX/XX/2019 and was a non-moving violation that should not have had any effect on my policy. I had XXXX for about 5 years and they have certainly made their money from me. Over thousands of dollars. Now they've sent me to this collection agency for {$150.00}. This is beyond belief!!! I absolutely will never pay this!
Consumer complaint received 2021-06-24
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. (NY)

I did not consent to, authorize, nor benefit from any of the following collections. This is a violation of 15 USC 1681 ( a ) ( 4 ) right to privacy. I would not be going through an FTC report if this was not an error. Please block and remove them immediately : XXXX Date Opened : XX/XX/XXXX Amount : {$370.00} XXXX Date Opened:XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX Date Opened XXXX XX/XX/XXXX Amount : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00} XXXX Date Opened : XX/XX/XXXX Amount : {$2200.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$8600.00}
Consumer complaint received 2021-06-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION (NV)

CREDIT ACCEPTANCE CORPORATION is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$10000.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2021-07-27
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. (NH)

I submitted a complaint through you and by phone they refuse to fix errors from XXXXXXXX XXXX they List XXXX XXXX as the company then add a different Company XXXX XXXX XXXXXXXX as the original account the two are not even nor have they ever been associated with each other. I have been submitting proof of this for over 2 years yet they leave it on my report how can they say they verified something to be correct when it is not last complaint the removed the collection then added back with the same info this has been going on since XXXX and there is the fact that the State Statutes for both accounts have expired over 2.5 years ago
Consumer complaint received 2021-03-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Neon Newco Corporation (OH)

I was on phone with them for hours on call wait to unlock my account they have messed up my payment hella times an even found that they did I go to fix it an get locked out then they just close my account then give me my moneyed own an no text no email nothing saying other closed like the XXXX worst bank ever
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I have 2 negative accounts reporting on my credit that should not be there. I do not recognize either of them to be mine. The credit bureaus are violating my consumer rights by reporting misleading and inaccurate information. I also filed a ftc on XX/XX/21 which was ignored because both items are still on all of my reports.
Consumer complaint received 2021-06-24
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. (TX)

I have obtained the letter from XXXX XXXX. Please see attached letter. 
I need the 3 credit bureaus to correct XX/XX/2021 Hard Inquiry to a soft inquiry.
Consumer complaint received 2021-06-24
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

I've sent multiple letters to Equifax in regards to inaccurate erroneous reporting of collection on my credit report I still have not received any notification of proof of the alleged debt. These do not belong to me and i am requesting for all account to be deleted immediately from my credit report. This information has caused me to not move forward in my career and has caused liable damage to my well being.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vengroff Williams, Inc (PA)

I do NOT owe this debt. The company continued charging my stolen credit card after being notified that this debt was NOT valid. They explained they fixed the computer glitch and removed this fraudulent charge and has now continued to try to collect on a fraudulent debt.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA (DC)

Purchased an XXXX store card in XXXX and from XXXX the holding company / bank has not returned any calls or provided paperwork on the card. While attempting to close this card, the company has charged off the amount, the action being without notice to the consumer.
Consumer complaint received 2023-03-09
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)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-04-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc. (CA)

We have been in the process of refinancing with Better Mortgage. My wife has a XXXX  XXXX  that is pending renewal and in the meantime USCIS provided an XXXX form extending the XXXX  XXXX  validity for 18 months. Better Mortgage refuses to accept this LEGAL GOVERNMENT form as proof of legal residency status.
Consumer complaint received 2022-12-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-06-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (CO)

On XX/XX/2021, I received a letter from LoanDepot, the company through which I have a conventional mortgage stating that my insurance was expiring. This seemed strange to me since I have my insurance paid through the mortgage company ( the escrow account ). I called LoanDepot on XX/XX/XXXX and spoke to an agent, XXXX, and was told that they paid, but the insurance company, XXXX XXXX, must not have accepted the payment and that I needed to call them directly. She also stated that that LoanDepot called them and was disconnected. They called back the next day to be told the insurance was cancelled. 

I immediately called XXXX and got all the way through and was placed on hold by the auto-voice, then disconnected. I called right back and was able to speak to an agent, XXXX. He had me stay on the phone with him as the mortgage payments department looked at the information. I was again disconnected. I called back immediately and was connected with XXXX. XXXX stated that LoanDepot did not pay the correct amount and even though they were informed of this, did not make the payment that would have kept the insurance, so it was cancelled. 

I called LoanDepot again and spoke to XXXX at XXXX. She put me on hold to get the information from the insurance escrow department. When she came back in the line, she disconnected me. I called back and spoke to XXXX. XXXX put me on hold for 15v minutes. she could not tell me anything. I asked for a supervisor and was placed on hold again. When XXXX came back on the line, she told me that no supervisor could be found and that she would put me on a list but it would take up to 48 hours to get a call back. 

I feel like this is a scam that LoanDepot is utilizing to force people to get insurance through them or a company they are affiliated with for more money. They are not trying to rectify this situation, and now I am trying to find insurance that is affordable, like my other one was, but I am faced with higher rates due to the fact that I am currently not covered, thanks to my mortgage company. My original rate was $ XXXX ; the lowest rate I could find, so far, is $ XXXX. This is a huge difference. 

I ask that this get handled appropriately and economically, for me, not them, so that I am not stuck in a situation caused by them and their ineptitude.
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

Equifax, a consumer reporting agency, has not updated my consumer credit report -public record- to include my 2017 XXXX XXXX XXXX. I have disputed this by phone call, mail, fax, and myequifax.com for over year.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MD)

There is a bankruptcy on my credit report that should not be reporting. My credit report has a bankruptcy listed by the US bankruptcy court. I reached out to the US bankruptcy court to verify that they reported a bankruptcy and received a letter stating that they do not give any information to anyone including credit bureaus. The US bankruptcy court is the only ones that can verify such account other than me. There the credit bureaus are in violation of the FCRA and is reporting misleading and inaccurate information. If this alleged bankruptcy is to be continued to be reported I need physical validation Sent to me in the mail.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

This complaint is about a debt collection from Procollect in the amount of {$2200.00}. On XX/XX/XXXX, I signed a 12 month lease contract with an apartment complex ( XXXX  ). According to the contract agreement, after the 12 month lease was up, it converts to a month to month basis ( contract will be attached to this complaint ). I stayed in the apartment from XX/XX/XXXX until XX/XX/XXXX, submitted an in-person 30 day move out notice on XX/XX/XXXX ( even though, only 15 days notice is required for month to month according to contract ). Without any notice of a late fee or a broken lease, i found out about the debt collection by Procollect. The collection was placed on my account on XX/XX/XXXX, in the amount of {$2200.00}. I reached out to the apartment complex ( XXXX ) through phone and email to try and resolve the situation, but no response. So, i reached out to procollect to request a written statement for proof of the collection. However, on XX/XX/XXXX, they sent me a bogus none binding contract as proof. This contract did not either my signature or the apartments on it. The " notice given '' and " move out date '' is incorrect ( XX/XX/XXXX ). it also has Reason for leaving as " Skipped/owes money/no notice ''. Everything about this contract was fraud and made up. I wasn't even aware of the contract renewal. Apparently, i have a renewed contract from XX/XX/XXXX through XX/XX/XXXX that i never signed or agreed to. ( this contract will also be attached to this complaint ). Not to mention, i remember walking into the apartment leasing office ( XX/XX/XXXX ) in-person and notify them i wouldn't be renewing my contract. which is why they charged me a month-to-month fee on XX/XX/XXXX ( receipt will be attached to complaint ). 
Moreover, during XX/XX/XXXX, we were still at the peak of covid-19 pandemic, the leasing office was closed and business was conducted by appointments only or online. I would think XXXX would have notified me or sent me a copy of the renewal lease contract. How can a contract be binding without my signature or my knowledge of it's existence? 
Additionally, i am a homeowner in a different state and due to the pandemic, i have been working remotely from home since XX/XX/XXXX. I never requested my lease to be renewed. I actually attempted to call and give a move out notice since XX/XX/XXXX, but i was told move-out notice has to be in-person. so i had to wait till the holidays in XXXX ACTION TAKEN : I have requested from procollect to send me a signed contract or valid proof that i owed this debt. But they can't show me any proof apart from the fake lease contract that will be attached to this complaint. The procollect representative i spoke to last, wrongly accused me that " you stayed there and you owed the debt '' I have also disputed this debt collection with all three credit bureaus, to ask for more valid information from procollect.
Consumer complaint received 2021-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Transunion has willfully furnished multiple reports without the written consent of the consumer causing further extensions of my consumer credit and directly caused for strife in my family due to lack of extended credit. This willful negligence that caused strife has caused for separation from my daughters mother. Transunion has since deleted such inquiries as per XXXX XXXX due to the fact Transunion has not furnished me a new report. I have mailed my complaints and demands to transunion via certified mail.
Consumer complaint received 2021-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (GA)

I tried to apply for credit and was denied because of two credit cards from this creditor. I received the creditor information from the my credit report. I was incarcerated for 13 years and released this year in XXXX. My wife and I tried calling several times to get this issue resolved the right way. Everytime we call, we are transferred and put on hold for a long time or the department that handles fraud is closed. 

Im trying to get on my feet to help take care of my family and I cant because of this. I ask that you please look into this for me so I can establish credit and provide for my family. My certificate of release from XXXX XXXX XXXX XXXX is attached.
Consumer complaint received 2019-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (IL)

Synchrony Bank lowered my credit line based on " Lack of Real Estate Secured Loan Information. '' In addition, to several other reasons that are incorrect and don't make sense to me. I'm XXXX yrs. old, why must I have a " secured real estate loan? '' Please advise if the credit scoring system used to predict my creditworthiness is valid and non-discriminatory.
Consumer complaint received 2021-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I have 2 negative accounts reporting on my credit that should not be there. I do not recognize either of them to be mine. The credit bureaus are violating my consumer rights by reporting misleading and inaccurate information. I also filed a ftc on XX/XX/21 which was ignored because both items are still on all of my reports.
Consumer complaint received 2021-06-23
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. (TX)

Reached out multiple times explaining to XXXX XXXX I as the consumer never gave consent to reporting any information according to 15 usc 1681 b ( 2 ) and explained that In addition to 15 usc 1681 b ( 2 ), 15 usc 1602 ( p ) trans unions reporting without my consent is considered unauthorized use of my credit card, social security number
Consumer complaint received 2021-02-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have paid this XXXX XXXX  XXXX # XXXX, on time from XX/XX/XXXX thru XX/XX/XXXX. And then I took forbearance from XXXX thru XX/XX/XXXX. From XX/XX/XXXX as per their offer on my new Modification Trial payment, I have started paying the new payment. Now my credit is showing 150+ days late from XX/XX/XXXX and ignoring the State Law of credit reporting. I have called the mortgage  company, they are now telling me, since I did not take the forbearance anymore it will show late, and my question is the forbearance was on form XXXX thru XXXX, why the payment will now show 150+ days late. They are also INCORRECTLY SHOWING NO PAYMENTS ON XXXX, XXXX XXXX. This needs to be fixed ASAP. Please help me.
Consumer complaint received 2021-06-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CNG HOLDINGS INC (MD)

Why Not Lease It XX/XX/21 call XXXX XX/XX/21 call XXXX XXXX  XX/XX/21 call XXXX XX/XX/21 Payment made of {$53.00} XX/XX/21 call XXXX XXXX  XX/XX/21 XXXX call XX/XX/21 call XXXX informed rep of payment XX/XX/21 call XXXX am XX/XX/21 call XXXX XXXX  XX/XX/21 call ( requested Supervisor was hold for almost 30-35 mins, silence and call hung up I was informed by an agent that my number is on an automatic dialer and would continue until a payment was made. Above you will see date where a payment was made and the calls continued. 

There repeated calls even after speaking to me is blatant harassment. If it is because of their automated calling system, then it needs a code added that indicates to them that repeated calls in one day every hour - two hours is in violation to federal laws.
Consumer complaint received 2021-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mountain Run Solutions, LLC (CA)

This debt was paid in full directly to XXXX XXXX, they sold this account to perfection Collection, I was able to provide all paid receipts to Perfection in which they ignored all my results, and which they were unable to verify the debt. they then sold the debt to mountain run solutions, I have sent several letters to validate the debt and also provided the paid receipts to this company, they are trying to collect on a debt that is not valid. i have the original contract which the balance stated clearly states {$530.00}. Mountain Run Solutions is requesting that I pay {$1100.00}. 
I am exercising rights to have this information removed and this company be reported as reporting fraudulent accounts on my credit report.