davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A. (NC)

We signed up on XX/XX/XXXX for the Covid-19 Disaster Relief program with Home Depot and the Home Depot Credit Card linked to XXXX XXXX. On XX/XX/XXXX we were charged interest in the amount of {$2800.00} and I immediately both wrote the problem in a trouble ticket and called the Customer Service Line and talked with XXXX who called the Accounting Department for me and said within 2 business days I would receive full credit in 2 to up to a  max of 10 business days. On the XX/XX/XXXX which began a whole new statement the credit appeared followed by a {$4000.00} charge which was the principle of the same promotional charge of the interest that was forgiven. I told them I was in the middle of a re-finance of my home and that large of a revolving account purcharse could harm my credit and/or increase the interest rate on my home for the next 30 years. I put it in writing again and called and the first representative told me that his terminal had the old software and would have to transfer me to another representative. The new representative could not help me so I asked for a supervisor whose name was XXXX. 

After explaining in detail for over 1 hour and 15 minutes I go nowhere but for her to say it could take up to one to two billing  cycles to correct ( which is 60 days ). I told her that was too long and she said she was a supervisor. I told her clearly it is a duplicate of the principle of the promotional balance back from XXXX and I had received the interest charged back very quickly and why could the same not be done here. No reply to a message sent if they could give a provisional credit until they determined their error.of double charging.I have written messages everyday since and called with no results except a message it had been turned over to another department. It is now XX/XX/XXXX and no word on a resolution. This also places me way over my credit limit by almost 2 times and further points will be reduced from my credit score as well as the Debt ratio percentage since this large amount gets added to my revolving credit amount. This is no way to treat a long-time valued customer and while XXXX was customer service oriented, polite, and accommodative ; XXXX was the opposite and needs more customer service training and being capable of handling a large problem with some grace.
Consumer complaint received 2020-09-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: I.C. System, Inc. (NY)

There is a negative item on my credit report from a company called IC Systems. I had no business or debt with this company. I don't owe this company any debt!
Consumer complaint received 2020-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (IL)

Trying to link my primary checking account with the financial following mobile/online applications : - XXXX - XXXX - XXXX PNC Bank is not authorizing these apps to be linked since Ive changed my password on XX/XX/2020.
Consumer complaint received 2024-02-26
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. (SC)

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-08-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (AL)

We applied to refinance our existing mortgage loan with New Rez on XX/XX/2020. ( NewRez is the current mortgage holder. ). We were sent an email on XX/XX/2020 stating the loan had been approved, and additional documents would be needed to finalize the loan. Prior to approval the appraisal had been completed, financial documents supplied etc. Our originator estimated we would close in XXXX and our savings would be about {$300.00} a month with first payment being XX/XX/XXXX. The problems began during the processing portion. When asked to provide anything additionally we did so within 24hrs. The mortgage company would go weeks without responding to my requests for updates and then ask for duplicate information or no information at all. I had to constantly call or email and copy multiple managers to get any response from the company regarding the status of my refinance. I finally grew frustrated with the lack of response and totally disorganized service from the mortgage company. The loan processor seemed to be starting over with no knowledge of our loan situation and requesting duplicate information. On XX/XX/2020, I emailed the loan processor ( XXXX XXXX ), copied the loan originator, and copied a manager ( XXXX XXXX ). I told them I wanted to respectfully ask for my original appraisal to be returned so I could go to another lender to refinance. I immediately received a phone call from a different manager who asked me to give them 2 weeks to close the loan. I happily said yes, please close! I also asked for a different processor who was more organized. The company complied and all seemed well. I provided additional documentation. Again however the processor communication has gone XXXX. Her voice mail is full and she has not responded to my emails since XX/XX/XXXX. In her last response to me on XX/XX/XXXX she confirmed I had provided all necessary documents and they were waiting on condo document approval. 
This long unorganized process has cost us time and money. The inability to reach anyone is very frustrating. I am concerned because we have provided confidential financial information regarding our personal finances and my husband 's business. Social security numbers, bank account statements and so much private information has been entrusted to this company and multiple individuals within. I am very concerned about the integrity of the company and the risk of information in the hands of so many people, not to mention our monetary loss with the delay. This company seems so disorganized and incompetent. I have had a career as a lender with a bank in the past, I have financed multiple properties over 30+ years and this is the most unprofessional and disturbing financial encounter I have ever had.
Consumer complaint received 2022-12-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

XXXX and portfolio is trying to collect a debt that 10 years. I need the original copy from XXXX from them saying when the debt which it start from what year is the debt started my 90 days pass do what year Next step attorney General because this is false information
Consumer complaint received 2023-06-29
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: CCS Financial Services, Inc. (GA)

In Reference to the entities below are in violation of the laws enclosed. 

Company and/or Business : XXXX. XXXX XXXX XXXX - Open - XX/XX/2022 XXXX Credit Collection Services XXXX open - XX/XX/2022 * XXXX u.s.c 1681 section602 ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons; * 15 U.S.C 1681 Sec . 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer; * 15 U.S.C 1692 ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

I was affected by XXXX and do not own this company. I have XXXX XXXX as my electrical provider now and if I owe why am I still doing business with them with no knowledge of a past-due balance? I never received a bill and feel I do not owe anything because I was effect by a natural disaster. The dwell at the time was consumed in 8 feet of water. Please remove it from my credit report. Please see the attached documents and I can provide more information from XXXX.
Consumer complaint received 2022-12-30
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I sent out a letter to the reporting agency at hand and by federal law they have 30 days to complete the investigation after reciept of disputE WHICH HAS NOT BEEN DONE AND BY LAW IF NOT DOMNE IN A TIMELY MANNER IT SHOULD BE DELETED
Consumer complaint received 2022-12-30
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. (SC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

XXXX XXXX XXXX is reporting to XXXX, XXXX, and Transunion in which each bureau or company has erroneous, inaccurate and misleading information on my credit report. The High balance of this account is inaccurate and erroneous. This account is completely misleading, incorrect and is violating 15 USC 1681 a, 1, 2, 3, and 4. Furthermore, the account should be deleted. The High balance amount of XXXX  is {$0.00} therefore the balance should be XXXX if thats the case and the balance fluctuated in dollar amount as well!. The High balance amount of transunion is {$1300.00}. The High balance of XXXX is non-existent which is very misleading. I have disputed these erroneous accounts with each credit bureau for over 90 days with no relief to be had. Please delete this account.
Consumer complaint received 2015-07-28
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

In XXXX and XXXX of 2014 we received a phone call from Ocwen Company stating that our house payment was due and we were late. Immediately, we explained to them that the payment was sent and received by them on XXXX XXXX, 2014. They said that their records did not show anything. Since we have proof from our XXXX bank account we immediately faxed the statement from the bank. The employees from Ocwen Company kept arguing with us that we had n't made the house payment. My husband and I kept sending information and proof for about 8 months to the Ocwen Company but they ALWAYS denied everything. My husband and I gave up and decided to pay them another payment of the full amount. We are 100 % disappointed of being part of the Ocwen Company.
Consumer complaint received 2024-02-26
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. (CA)

As per the Fair Credit Reporting Act, Section 602 ( a ) of 15 USC 1681 emphasizes the importance of ensuring that consumer reporting agencies carry out their significant duties with fairness, impartiality, and a regard for consumers ' privacy rights. XXXX, XXXX, and Experian operate as consumer reporting agencies, and I, as a consumer, hold the right to safeguard my private information, supported by 15 USC 6801, which underscores the obligation of financial institutions to uphold customer privacy and safeguard nonpublic personal information. Under Section 604 ( a ) ( 2 ) of 15 USC 1681, it is outlined that consumer reporting agencies can only furnish consumer reports upon the explicit written instructions of the relevant consumer. Neither the financial institution nor the consumer reporting agencies, XXXX, XXXX, and Experian have my consent to furnish this information, as reiterated by 15 USC 6802 ( b ) ( c ), which mandates that financial institutions must inform consumers of their right to opt out of information disclosurea right that was not communicated to me by the furnisher of information. Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization, a provision violated in this instance. Additionally, 15 U.S. Code 1681s-2 ( A ) ( 1 ) prohibits the furnishing of inaccurate consumer information, and 15 U.S. Code 1681e mandates consumer reporting agencies to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports for specific purposes. XXXX, XXXX, and Experian are failing to uphold these standards. Furthermore, as stated in 12 CFR 1016.7, consumers retain the right to opt out at any time, a right I am now exercising with regards to your reporting services.
Consumer complaint received 2020-08-05
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. (NC)

Equifax has two different credit files on me is my guess. From month to month they keep switching the files. My score or report is never updated or correct. I have tried to call and explain this to Equifax and I can never get anyone to help or fix this issue.
Consumer complaint received 2020-08-05
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. (GA)

Equifax refused to remove a collection account ( XXXX ) off of my credit report. That debt was paid and I sent the receipt to have Equifax remove that tradeline off my credit report. This action is affecting me getting a place to live with my children. I did send Equifax a certified letter which was signed for on XX/XX/2020.
Consumer complaint received 2023-02-18
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. (FL)

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.The Credit bureaus stated my account was properly investigation but how is that possible if the monthly payment, date opened, balance terms, credit limit, past due, last reported, comments, Date last active, date of last payment etc last reported is not accurate. This ground for removal they also violated my rights under 15 USC 1681i ( 5 ) ( a ) ( 5 ) Treatment of inaccurate or unverifiable information In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and reinvestigation; and ( it ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 Also the Credit bureaus has received my documents for dispute on XXXX XXXX XXXX  and have not sent out a notification to me as yet stating they received my documents and processed my dispute here is my certified mail tracking XXXX XXXX
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

Medical Data Systems has ( 7 ) collections on my XXXX  report. I have e-mailed, called several times with no response on e-mail and just to be talked nasty to over the phone with false info. These are not my debts. I have called each hospital to confirm this. Medical Data Systems also violated my HIPAA rights. They gave info about each medical charge in detail of what they claim the collection is for. Also They have collections tied to my son on places he has never been before. They gave my personal info to my ex-wife when she called MDS once again violating my HIPAA rights. This will be the last form of communication before I seek legal help to have these removed.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BRite Financial Services, Inc. (MI)

After account was closed with no late payments. Company reported account as 30 days delinquent around XXXX. This resulted in a drop in my credit report. I spoke with a representative who informed me that I would have to dispute it with the credit reporting agency, which I did. This was corrected within 30 days or so. ( Screenshots attached ) Then in XXXX the same account was reported as delinquent and a charge off. I spoke with a manager in the lease end department On XX/XX/13 who informed me this was in fact incorrect and an error on their end. However when I put in a dispute again with XXXX, the company informed XXXX this was accurate which it is not. I received these results today XXXX. This has dropped my credit score tremendously and the company is doing nothing about it when it was an error or their end. 

they also have my credit report stating my account was closed/settled less than full balance. This is in fact not true, I even received a {$22.00} refund from my security deposit. ( Attached as well ) This company has caused my score to drop tremendously and have yet to rectify their error.
Consumer complaint received 2020-09-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Company blocked ability to remit payments online citing returned payments however the company was furnished with bank memorandum and police report advising wallet lost/stolen and accounts closed as a precaution Payments previously established were resubmitted they have cost me hundreds with additionally fees for no reasons multiple reps stated they were resetting never happened then they said 6 months I said I sent you proof before this happen yeah I know shtty policy exact words from their reps Additionally extension processed for XX/XX/XXXX XXXX XXXX and XX/XX/XXXXXXXX during death of immediate family if i didnt think they were bad enough any company that XXXX  someone over during the most difficult time in their life is beyond concerning and I will exhaust every legal remedy to correct I also made a payment and changed the due date during the time in question to go towards interest in XX/XX/XXXXXXXX so not possible for it to be 30 days late also in XXXX they said it was extended because due date was processed and it wasnt even the date I requested