davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NY)

I purchesed technical support membership for {$210.00} from Best Buy on XXXX of XX/XX/2022 and canceled it within 2 days on XXXX XXXX. After cancelation they supposed to do complete refund back to the same credit card that was used for payment. 
I received phone calles from Citi Bank stating that I owe them money. I explained the situation to the representative and requested Bank to dispute this transaction for cancelation of membership on time within the BestBuy store policy. The bank accepted my statement and started the dispute process with the Best Buy store. After 3 weeks I received a letter from Citibank stating that the Best Buy store sent to me check on XXXX of XX/XX/2022 and now Citi Bank adding extra late fees with interest charges untill today. Unfortunately the dispute was closed based on Best Buy statement. 
I called again to Citibank and Best Buy store and explained them that I never received any check from the Best Buy store as they stated but no one wants to listen me. By calling again to the BestBuy store customer service and explaining situation, they created cases based on my complaints and provided me with reference numbers below by confirming that the check that was sent to me was never cashed. I kindly asked Best Buy representative to cancel the check and arrange full refund back to credit card. But representative said that Best Buy store again wants to send me a check to my home address and refuses to make return to the BestBuy Credit card. 
It is ridiculous. I spend hours and hours on the phone to finish it since XXXX of XXXX. I went to Best Buy store to speak at least with a life person in the store to ask if they their system if they can assist to finish it. But store manager said that the only office can handle it and that I only need to call again and again there to continue request for the refund. 
I really tired from this. 
Please assist.
Consumer complaint received 2022-12-26
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. (NY)

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Consumer complaint received 2022-12-26
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. (NC)

Received copy of credit report, noticed accounts on my credit report that are a result of identity theft / fraud. Have attached FTC Report XXXX. XXXX to this complaint. Along with a copy of my credit report confirming the accounts.
Consumer complaint received 2022-12-26
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)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.
Consumer complaint received 2022-12-26
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. (TX)

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled.
Consumer complaint received 2022-12-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IN)

I have tried so many times reaching out to the debt collector to have them verify this debt, but nobody has been able to do so. Every time I dispute this charge it comes right back on. I need this taken care of ASAP. Thank you! This debt is not MINE.
Consumer complaint received 2021-12-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Coinbase, Inc. (CO)

There are two Unauthorized Transactions on my Coinbase Card. First unauthorized transaction is {XXXX} on XX/XX/2021 from merchant XXXX and the second unauthorized transaction is {XXXX} on XX/XX/2021 from merchant XXXX as well. I never made the purchases with the merchant. Its a scam website. However, Coinbase responded nothing to me after I officially told them those two transactions are unauthorized transactions. Please help me from the financial fraud. Coinbase should take actions to get my money back. However, they are not doing that. Its so bad!!!
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC (PA)

On XX/XX/2020 I received a notification that my credit score dropped 65 points because my account is closed. My account is very well open and in good status. This is the second time Westlake financial has reported the wrong information which is affecting my credit. I called and explained to them that I'm in the process of buying a house and they keep messing my score up witch will mess me up for getting my loan for my house. They have yet to correct it.
Consumer complaint received 2024-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (KS)

I got this home loan XX/XX/XXXX through XXXX XXXX, 1 month later my loan was sold to Nationstar DBA Mr. Cooper and our payment was {$1200.00}. The 1st escrow analysis was done a year later as it should be in XX/XX/XXXX, Mr. Cooper claimed an escrow shotage of {$240.00} and my payment changed to {$1500.00}, a {$240.00} increase. That shortage amount should have been spread out over the next 12 months not the full amount added monthly, that totals {$2800.00} a year. Property taxes in my area did increase that year but not enough to justify {$240.00} extra per month increase .The second escrow analysis was sent to me just 7 months later XX/XX/XXXX, this time it was claiming to be over by {$65.00} and my payment dropped to {$1400.00}. This lasted for 5 months and I received yet another escrow analysis XX/XX/XXXX this time claiming to be short {$90.00} changing my payment now to {$1500.00}, a {$90.00} per month increase again instead of spreading the shortage over 12 months. Escrow analysis are to be done on an annual basis adjusting the mortgage payment accordingly whether is a shortage or overage that amount is spread over 12 months. My insurance is paid on an annual basis never fluctuating month to month, my taxes are the same only changing yearly, PMI should also not change month to month and interest stays the same so how in the world is this possible? According to my adding, my insurance is {$2700.00} a year ( {$230.00} per month ) Interest is {$9600.00} a year ( {$800.00} per month ) PMI is {$1300.00} a year ( {$100.00} per month ) and property taxes are currently roughly {$3200.00} a year ( {$260.00} per month ) Add this up and it comes to {$1400.00} require per month to pay the yearly amounts listed above not {$1500.00}. Where is that number coming from? I have tried so many times I've lost count to contact Mr. Cooper and only get an automated recording that never allows you to contact customer service. One time last week I pushed the number the automation gave to obtain a loan and actually was connected to a human. I explained my problem, he pulled up my account and he completely agreed with me that this was not correct and promised to have a supervisor call me the following day to help me with this issue, no one ever called. I tried to call again but this time when I was able to speak with a human they hung up on me. I dont know what is happening at Mr. Cooper but it is very obvious that someone is not doing their job. I know for a fact that we are not the only customers this is happening to.
Consumer complaint received 2022-11-11
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. (TN)

In accordance with the Fair Credit Reporting Act XXXX Account # 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 furnish an account without my written instructions.
Consumer complaint received 2020-01-07
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: UHG, LLC (UT)

The first phone call i received from " XXXX XXXX XXXX ( they also call themselves XXXX '' was on XX/XX/XXXX. They said that if i didn't pay them {$400.00} by the end of the month they'd pursue legal action against me. They never sent written documentation within 5 days of speaking with me or purchasing the debt from where I acquired the loan from. I received another phone call on XX/XX/XXXX to my personal phone saying i needed to call them back. Then my work office received a phone call from the same person on XX/XX/XXXX and when they were sent to me they said they were going to proceed with garnishing my wages and a lien on me. I stated that they've been told to not contact me at work, and she said that she was going to contact my HR department to garnish my wages. They also threatened my husband who isn't even on the account/loan.
Consumer complaint received 2022-12-27
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: Experian Information Solutions Inc. (AR)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX : {$150000.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXXXXXX Balance Owed : {$38.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 
XXXX XXXXXXXX XXXX XXXX : {$16000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
Consumer complaint received 2020-01-07
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. (TX)

This account is more than 7 years old but has not been deleted from credit report. Account is also closed but continues to have over 73 charge - offs which is against FTC regulations to report. 

1. XXXX XXXX XXXX {$7600.00} Paid, closed 73 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX 2. XXXX XXXX   XXXX  {$0.00} Paid, closed 16 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$1000.00} Paid, closed 60 charge-offs Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX
Consumer complaint received 2022-12-27
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. (AR)

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with File Number XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take out the following objects as soon as you can : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR 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. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AmerAssist A/R Solutions, Inc. (UT)

Amerassist AR Solution is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.
Consumer complaint received 2020-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

I have been trying to get LOANCARE to add escrow to my loan payment monthly. They asked me for numerous documents ( homeowner 's insurance and tax statements ) which have all been provided. It has been over two months and no one has contacted me to let me know when this will be done. I have placed many calls ( put on hold for over 15 minutes before I hung up three times and keep telling it will be done and then when I call back, they say the same thing ) and can provide documentation. It seems they have many different departments and none of them interact with one another. It has been an awful experience since my loan was bought from XXXX. I never had one problem with them. Please help!
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (GA)

To whom it may concern, Im reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. XXXX, and XXXX are consumer reporting agencies, and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. 15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. * Toyota Financial Services is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX, the financial institution does not have my consent to furnish this information and does not have my written consent. All consent to XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose nonpublic personal information to a non-affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX never informed me of my right to exercise my non-disclosure. XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.
Consumer complaint received 2019-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Americor Funding, LLC (CA)

I was sent a letter by Americor to settle my debt in XX/XX/XXXX. Upon having the initial phone conversation with them I was sold on them helping me get out of debt fast with low fees. The amount of fees was not told to me up front, I was told their fee was 20 %, then upon my cancelation I was told its 25 %. I canceled my account in XX/XX/XXXX and was told by Americor management that I would receive about {$2100.00} refund. When I contacted ( XXXX ) their 3rd party they informed me that I was charged a cancellation fee and I would only receive {$300.00}. I had an automatic payment processing after I closed and was told I would receive that as well as funds remaining in my account which was about {$700.00}. I have been ripped off by Americor and want to get my funds back.
Consumer complaint received 2018-03-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Worth Finance Corporation (TX)

I received a phone call 3 years ago stating I had a loan with XXXX XXXX for {$750.00}. I explained to them I had never applied for a loan with them. They informed me I didn't apply that they mailed me a check for {$750.00} to an old address and someone signed it cashed it so now I owe a balance. I reported this as fraud and informed them in writing that I didn't live at the address or sign a check from them. I also requested the item be remove from my credit report verbally and in writing. As of today it's still on my report and I have been going through this for 3 years. Please help me resolve the fraudulent account.
Consumer complaint received 2024-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NV)

I have some private education loans through Navient used for XXXX University, who is XXXX of the schools listed under the XXXX v XXXX lawsuit. Other people in similar situations, who attended XXXX have been offered discharge applications via mail or email. What are the criteria for the discharge and why are others in similar situations not being offered the discharge application.
Consumer complaint received 2022-12-27
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. (TX)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
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