davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC (IL)

I closed on my home in XX/XX/2022 using an FHA XXXX. During the process of closing, the loan officer ( XXXX XXXX from Cross Country Mortgage ) introduced me to a general contractor ( XXXX XXXX XXXX ), which at that time was the only option given to me by the loan officer.

I proceeded with the loan as my loan officer advised even after appraisal came shorter than the estimated loan amount. 
Month later, I discovered that the general contractor was inexperienced ( in contrast to what I was told by the loan officer and the general contractor ). My project is at least 6 months behind and XXXX end up in foreclosure as the property is a XXXX family residence.
Consumer complaint received 2024-06-17
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC (NJ)

My car was repossessed in XXXX. The company who I received the loan from was Western Funding for a XXXX XXXX XXXX. I made online payments. They repossessed my vehicle in which three months asked me did I still want the car. I paid XXXX. To receive my car. As I went to receive my car they flipped the title to another state, that being XXXX. I'm in XXXX XXXX They are trying to charge me for a debt that I would not have if I still had the car. They have sold it to a third party debtor, who is now trying to collect. They never reported the {$1000.00} that I paid up through money nor do I have a car.
Consumer complaint received 2023-02-03
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

I am a victim of identity theft. FCRA 605B ( 15 U.S.C. 1681c-2 ) Block the Information Resulting from Identity Theft. The accounts do not belong to me. I am writing to request that you block the following fraudulent accounts and inquiries from my credit report immediately :
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (AR)

The issue I'm currently experiencing with my Visa, Wyndam Rewards card. Around the end of XXXX early XX/XX/2019, I called my CC 's 800 number to simply check my balance. 
When I called in I was not offered an option to hear my account balance via the automated system I was sent to a Customer Service Rep. I verified myself and explained to the CSR that I was in a hurry, I just need to get my account balance but was unable to retrieve it through the automated system. To which the agent stated that she would first need to clear up the fraudulent transaction 'flag ' she was getting ; as we started this process she wanted to mail me a new a card, I declined. There was an obvious language barrier ; she stated that she could not complete the action w/out requesting a new card. I let her know I didn't have time to do this, I just wanted my account balance to just leave the charge for now and that I'd call back and deal w/ it later. She would not give me my balance information, to which I became very upset and asked what would happen to my account balance if I were to just cancel the account. She answered my question. She then asked me if I wished to close my account ; I told her no, I believe I was cursing because I was so upset I still didn't have my account balance after all this and disconnected the line. 

I called back on XX/XX/2019 to inquire about my account balance ( as I pay my bills at the end of the month ). Again, I was not offered the automated system and was given to an agent. The first thing I brought up was taking care of the fraud charge and stated that if it was necessary to go ahead and send me a replacement card. The agent was very helpful in getting my account balance but was confused as to why I kept mentioning the mailing the of a new card. After a lot of back and forth and a clear language barrier, the CSR disclosed that my account was closed. To which I informed her that I had never requested for my account to be closed. I requested a Supervisor ; I was put on hold for over 30min. only to be told no Supervisor was available and that it would be taken care of by her supervisor w/in the next 24-48 hours and that they would listen to phone call to confirm. 

Today, XX/XX/2019 I received a letter from Barclays that they apologize but are unable to reopen my account. I then tried calling back and requested to speak to a supervisor about my problem and was left on hold for over and hour and a half ; at which time my cell phone dropped the call. 

I am not only upset that this agency has fraudulently closed my account without my request or permission. Then lie to me and tell me that it will be taken care of as it was their mistake. And then like a coward send me a letter in the mail stating that it's against their procedures to re-open accounts .... Well where in their procedures does it give a CSR the right to just close an account without the cardholders request or approval.
Consumer complaint received 2023-06-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-06-20
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: SYNCHRONY FINANCIAL (NY)

This account payment history is incorrect. 
I do not recognize how this account is reporting on my credit report. I do not recognize the late payments associated with this account. Everything reported here does not meet the FCRA. Furthermore the collection is a violation of the 15 USC Code 1681i b. The account is negatively affecting my credit report and I request this late payments be removed.
Consumer complaint received 2023-07-13
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. (AL)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$360.00}
Consumer complaint received 2021-12-17
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

On my pervious first second third reques, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

Hello, I am an individual realtor in XXXX, PA that was eligible for the XXXX 'S XXXX Loan. I applied through Citizens Bank and was approved for {$20000.00}. The documents submitted to apply included tax returns and other financial documents clearly outlining the income for the previous year ( s ). All funds were used as directed by XXXX to be able to apply for full forgiveness, such as payroll. Citizens has deemed that only {$9200.00} of the loan is eligible for forgiveness. 

After making MANY attempts to email and speak with Citizens I have not had emails returned, calls answered or any communication from Citizens. I have spent hours on hold, have been hung up on by representatives, emails for information and requests to have the Office of the Chairman call to sort this out have gone unreturned. I've requested several times to have the forgiveness about reviewed, to no avail. Citizens has been non-responsive and I am caught in a black hole. 

Citizens has unexpectedly debited my account at XXXX XXXX times without my permission. Taking well over a thousand dollars, twice without notice or approval. 

The XXXX has advised me that this lender is not registered with the XXXX 'S direct forgiveness system. The lender is not making any effort to review the forgiveness amount, they seem to be counting on benefiting from issuing the XXXX loan and not forgiving loans that are eligible for 100 % forgiveness according to the XXXX. Had I known about Citizens business tactics I never would have worked with them. Their business practices are unforgivable and should be better regulated. 

Citizens has sent a demand letter seeking full payment of {$11000.00} due within 10 days. I have emails, screen shots, and phone records showing many attempts to communicate with the lender, but they are non-communicative. A complaint has also been issued through The Office of Comptroller of Currency.
Consumer complaint received 2024-06-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation (NV)

I called Aspire they said they were raising interest rates to 36 % even though I have never missed or been late with a payment and had no balance. I asked for a reason why they were doing this and their answer was because they were allowed by the government. I requested they close my account, I was told I would have to call back on the following Monday to do so, which I did. I requested if reporting to credit bureau that they state at custommers request due to high interest rates.
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-04-12
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Neon Newco Corporation (MI)

NET SPEND. here is the email that they sent me and I replied back and I didn't realize the return address said no reply but they replied back even though it says no reply and I don't know who they are. I don't have a Visa card. I don't have a credit card and I looked online. there's tons of complaints against them about this and there's been lawsuits against them Dear There may be a problem with your Netspend Visa, Account ending in XXXX. Please call customer service immediately at the number on the back of your card or XXXX. 

Sincerely, Your Netspend Card Team XXXX XXXX This message was sent to you because of changes, updates, or transactional activity on your Netspend Visa. We are required to send you such notifications regardless of your unsubscribe status for your protection. Please do not reply to this message. E-mail Security Information
Consumer complaint received 2023-07-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report 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 XXXXXX/XX/XXXX
Consumer complaint received 2023-07-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I want to inform the XXXX Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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 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 2024-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Debt XXXX keeps putting a collection account on my credit that is not mine. I have had the debt removed XXXX times and again its on my credit. XXXX years of this nonsense. This collection company is committing fraud. It affects me because its causing my credit to be affected. This collection agency is intentionally causing harm and buying accounts that are fraudulent and incorrect. Please help me this company has continued to reinsert this fraud on my credit. They change the dates and attaching to my credit multiple times. The company has been advised over and over. I have disputed this debt and it was removed XXXX times.
Consumer complaint received 2024-04-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

My name XXXX XXXX XXXX on or about XX/XX/2024 XXXX, PORTFOLIO RECOVERY ASSOCIATES sent the validation of debt notice to a undeliverable address I never received one and my rights on how to dispute ... violation of the FDCPA XXXX XXXX XXXX
Consumer complaint received 2021-12-17
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc. (CA)

I checked my credit report on XXXX and noticed a XXXX balance from a company called Prosper Market Place. I have never heard of them and have tried to contact them but have been unsuccessful. A payment of over {$100.00} dollars was taken out of my checking account recently. I know nothing about this company and.have not opened an account with them.
Consumer complaint received 2023-07-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX
Consumer complaint received 2019-05-08
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. (CA)

Transunion is reporting incorrectly a collection on the XXXX account numbers - XXXX ; XXXX ; XXXX ; XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I have attached two statements from XXXX XXXX that clearly show an accurate payment history of these accounts, with no late payments and no balance due. I have also attached an updated credit score from FICO dated XX/XX/2019 stating TX XXXX  XXXX XXXX account balance went from {$2600.00} to {$0.00}. This incorrect reporting and coding of these line items on my credit report are harming my credit score.
Consumer complaint received 2023-07-19
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. (PA)

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 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 2024-04-12
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

The Lowes consumer card has recently added a {$1.00} monthly fee for not accepting to opt in to the paperless option. A paperless option is not necessarily a good option for all of us, as I am XXXX XXXX XXXX, and I am not as good as I used to be at using computers. As a consumer I need the paper bill to come in the mail so I may use it as a reminder to pay the monthly bill and to monitor any activity on my account. This new fee is a great example of being able to monitor the account since I would not notice a similar fee on a digital or paperless account. I believe it's unfair to consumers to have to pay a fee on top of current interests for these retail credit cards.
Consumer complaint received 2023-02-03
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. (NC)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX 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 2024-04-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XX/XX/2024 received a letter from the debt collector in an attempt to collect. On XX/XX/2024 I sent them a certified letter, returned receipt to validate the debt, requesting specific information and informed them to NOT send statements giving them 30 days to respond with the information. I requested all items as previously stated. On XX/XX/XXXX after receiving another request for payment and none of the items I requested, I sent another certified letter, returned receipt to advise them they had not responded with the requested information within the 30 days, in accordance to the FDCPA Consumer Validation Request and to cease and desist all communication regarding the alleged debt. On XX/XX/2024 I received yet another statement, with a letter stating this was " additional documentation '' for my review, but again, not any of the requested documentation. Portfolio Recovery Associates has clearly ignored my request, yet continue to harass me on an alleged debt they have not proven is my responsibility.