davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (GA)

I contacted Comenity Bank on XX/XX/2021 to dispute a {$47.00} charge on my credit card account. The charge was for a digital product that I never received. I emailed the seller to resolve the issue, but they did not respond. Comenity made no effort to settle the billing error instead they are contacting me by phone and mail requesting payment, and I refuse to pay the disputed amount.
Consumer complaint received 2018-08-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (IN)

Bait and switch.. Prequalified and they even did a hard pull afterwards. Talked to a rep who then turns around and says, Oh, your collateral isnt of enough value so we wouldnt be able to proceed. I ask what value it came back as, they say, they dont have that information. These people are absolutely ridiculous and dishonest. I would never do business with them. Ever. Now I have another hard inquiry on my credit.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (ME)

Docket # XXXX XXXX XXXX XXXX XXXX. as Trustee on Behalf of The XXXX XXXX Trust Fund C/O Select Portfolio Servicing , Inc. vs. XXXX, XXXX XXXX On XX/XX/2018, Appeared in court with Plantiff 's counsel XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone Number ( XXXX ) XXXX Agreement to vacate property by XXXX and would receive a check for {$12000.00}. To date no payment received and I am getting the run around trying to speak with anyone that has a clue what is going on at SPS?
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc. (TX)

On XX/XX/2018, at XXXX XXXX, XXXX XXXX with Southwest Recovery contacted me from phone number XXXX, stating that I owed a debt in the amount of {$4800.00}. He provided the original creditor information, and even talked to me about settling the entire account for {$3600.00}. However, I have never received anything in writing from Southwest Recovery stating the original creditor, the amount, or my right to dispute the debt. I have been unable to verify the debt, obtain an account number, or that Southwest is in deed authorized to collect on the debt. I requested from Southwest a notice in writing during the conversation on XX/XX/2018. When I did not received a validation notice after 5 days as required by law, or anything else in writing, I called on XX/XX/2018, at XXXX XXXX, and again on XX/XX/2018 at XXXX XXXX. I still have not received any sort of validation notice, nor anything in writing from Southwest Recovery.
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Hatfield, Inc. (FL)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX stated that they didnt put this on my credit file or reported it to the credit bureau but a huge outstanding balance thats totally incorrect is on my credit report grid put this on my credit report and they stated they didnt bring me to credit over this I wouldnt call the police on on my own brother over the improper use of credit or ask for a report we talked things over this needs to be done and over with and removed off my credit if this wasnt on my credit then this dispute would be non existent
Consumer complaint received 2022-07-08
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: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the rights 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
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MI)

XXXX offers a special event payment program where the payments can be deferred up to 12 months. The payments have not been applied properly for the past two months. The payment allocation should be first to the revolving balances and then to the special event program. I was informed by XXXX that I will have to call every month to have the payments applied properly. 

Interest charges have been levied to the revolving account balance inappropriately. I have paid the revolving account balance in full each month.
Consumer complaint received 2022-03-09
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: TRANSWORLD SYSTEMS INC (DE)

I was looking over my account and I peeped that there is some strange names, addresses and accounts that I have no ties to. I believe somehow my information was shared or mixed up with someone else. I need my report corrected at once I thought I had a right to privacy but clearly not if your company thinks its ok to post this misleading stuff and pin it on me unknowingly. I have loss sleep twice since these accounts were brought to my attention. I HAVE BEEN VICTIM OF IDENITY THEFT and also my information was breached in the XXXX 2007 and XXXX XXXX data breach. I did my research on the law, per section 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act and these items must be blocked and removed from my credit profile. I really need these items gone from my report due to them being false and inccruate. This is affecting my life and preventing me from getting approved for apartments so im XXXX
Consumer complaint received 2020-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Child Support Recovery Services, Inc. (NY)

I paid the XXXX XXXX XXXX {$3300.00} on XX/XX/XXXX. They released me from my lease after this fee was paid. In XX/XX/XXXX, I started to receive many calls from XXXX XXXX of CSRS Inc. I refused to answer the telephone because the number was unknown. However, Mr. XXXX left voicemails and urged me to to contact him. So I called and informed him that I did pay the amount and he apologized and informed me that he would remove the charge off of my XXXXXXXX report which he did remove. However, he sent me another voicemail stating that I was not the original payer of the debt and that I could go to jail. He then began calling me again early mornings around XXXX to XXXX XXXX. He left another voicemail on XX/XX/XXXX stating that I was a fraud and that CSRS Inc. along with the XXXX XXXX were taking me to court. Afterward, he put the collection back on XXXX, and additionally to my XXXX report. I have provided both him and the credit bureau with my receipt dating back to XXXX and informed Mr. XXXX that my bank did not return the payment and that I never received any notice from XXXX XXXX XXXX about this matter. I also informed Mr. XXXX of CSRS Inc. that the XXXX XXXX XXXX have since rented out the apartment immediately after I moved out. Also, that I moved out of fear of my life due to exposing the company for not assisting me after my apartment was flooded, and the vandalizing and destruction of my car after complaining to the company about their staff mistreatment. Then, I changed my phone number to avoid further contact.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (NY)

Debt collector is EOS CCA. This is for XXXX home. Bill is  dated XX/XX/2015. Ammount on bill {$2600.00}. Agency claims I  owe approximately {$1200.00}. Final bill was paid to XXXX immediately after I discontinued services and all equiptment returned within one week. Collection agency can not provide me with any documentation. I have explained that no money is owed.
Consumer complaint received 2018-08-14
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 — Problem with personal statement of dispute
Company: Onity Group Inc. (IN)

My name is XXXX XXXX, I used the have an account with Ocwen Servicing Loan as a line of credit account started in XXXX. From the very beginning, there were billing and posting error to this accounts. I tried to work with different customer service and service manager to correct the payment posting in the correct months and they refuse on several occasion replying that they are working on the errors. These posting error went on for XX/XX/XXXX when the account were sold to XXXX XXXX XXXX. Though this loan, I tried to get this company to converse this financial product to installment loan. The company refused to change the loan while keeping the loan as line of credit with 35 % daily interest. Every month I would ask for confirmation on how the payment were being posted and the company did not email their internal record.
Consumer complaint received 2021-05-10
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC (FL)

This account was paid in full to Westlake Financial SVC before the account was sent to collection. The account is reporting inaccurate beyond the Statue of Limitation. I have sent several letters to the Credit Bureaus and to the Creditor since XXXX 2020. Could you please assist in having this inaccurate information removed.
Consumer complaint received 2018-08-14
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. (NY)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

I recently ran my credit report to discover why I was denied a loan and discovered there was an erroneously report debt by IC Systems regarding a charged off Debt with XXXX XXXX XXXX. I contacted IC Systems of XXXX XXXX, MN and was told by their rep XXXX, that XXXX XXXX XXXX initially reported the debt as paid, but was then told by XXXX XXXX XXXX that my bank reversed the payment to XXXX XXXX XXXX somewhere around XX/XX/XXXX. I pulled my bank Statement to investigate and found the information given to me by IC systems rep XXXX was incorrect as my bank statement reflects the payment was debited from my checking account. In addition, the amount IC systems reported on my credit report is inaccurate. In addition, I contacted XXXX XXXX XXXX regarding this false debt reported and found that I didn't owe them anything and that any outstanding amounts were paid ( XXXX XXXX XXXX is sending confirmation via mail as well ). As a matter of fact, I changed my cable service and internet to XXXX XXXX XXXX in XXXX, and the XXXX XXXX XXXX rep confirmed that if I had any outstanding collection amounts owed to XXXX XXXX XXXX at that time, I would have been required to pay them up front before any new services was acquired. I contacted IC Systems again to inform them, and I sent documentation to prove this, and they could easily verify this information with XXXX XXXX XXXX, of which I believe that have not. I want this entry removed from my credit report and an apology sent to myself as well.
Consumer complaint received 2018-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc. (TX)

I received a loan from Money Lion aka dba XXXX XXXX in XX/XX/XXXX. I lost my source of income and was unable to make the bi-weekly payments. I called them on XX/XX/XXXX to request that they not draft from my account and was told they were unable to stop drafting until I paid off the loan so I then contacted my bank and put a stop payment on the account. 4 and explained that I asked them to stop drafting from my account which my contract says I can do over the phone. Months later this company drafts my account twice on XX/XX/XXXX for {$270.00} and XX/XX/XXXX for {$230.00} ... Keep in mind my payments were {$63.00} every two weeks. I then called my bank disputed the charges and requested that my bank block them from drafting from my account. XX/XX/XXXX CHECK # XXXX was processed for {$500.00} I contacted my bank and was told because I owed them they have the right to go into my account a withdraw any funds they wanted. Even though I revoked their authorization to do so. I bank with XXXX. This money was for my rent that I now do not have and basically, I am being told by my bank that any creditor I owe can just take the funds out of my account if I EVER gave them authorization regardless of the fact that I revoked it.
Consumer complaint received 2023-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Someone used my information to obtain a XXXX account, open a line of credit for XXXX XXXX XXXX, and preferred lease. 

i have requested this be removed on several occasions.
Consumer complaint received 2020-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (UT)

In XXXX of 2019 my mortgage payment increased by a small amount due to changes in escrow. I was unaware of this change and so I underpaid by about {$280.00}. As soon as Specialized Loan Servicing notified me, I sent in XXXX payments of {$140.00} to cover the difference. This was in XXXX of 2019. I was notified a few months later that my mortgage account was XXXX month behind. I called customer service and when they looked into it they said the XXXX payments of {$140.00} I sent in XXXX had been improperly applied to priniciple rather than to my loan payment. So the original XXXX short ) payment is sitting in an accout somewhere as if I never paid XXXX month. They said they would fix it. They did not. Since that time I have called XXXX times to try to get the money applied properly. Each time they said they would open a ticket to get it fixed. Meanwhile, my credit score has been badly damaged because of this. It looks like I have been a month behind on my mortgage payment since XXXX of 2019. When I called again today they told me there is nothing they can do -- that the money can not be moved back and applied to to my payment.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (NJ)

I had a checking account with citizens bank since XX/XX/XXXX. I arranged for automatic checking account deductions for a service at that time. After I moved from New York, I left the checking account open with a balance remaining in the account of approximately {$2000.00} as I had automatic payments coming out of the account. When the balance was at XXXX, I switched to my new checking account and closed the Citizens bank checking account. Unbeknownst to me, the account remained open and there was a line of credit attached to it. When one of my creditors submitted a final automatic payment, the overdraft line of credit was accessed in the amount of {$20.00}. I did not have notice of this event and had no idea that I had a line of credit or that I now owed Citizens {$20.00} on that line of credit. Months later, I have found on my credit report that I am delinquent. When I contacted Citizens to inquire I was advised that I must pay {$190.00} due to late fees and interest. I offered to make the payment online and close the account, but I was informed that the only way to do so was to come into a local branch. Because I was no longer in the area, my elderly father went to the branch to pay the account and resolve the credit report issue. Citizens accepted the payment but stated they could not expunge the derogatory entry on my credit report. This was unfair and deceptive as I was led to believe this matter would be corrected upon payment. Moreover, since I had no notice of the line of credit access or that I had a balance, Citizens bank accrued charges to my detriment in excess of {$160.00}.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hope you are well. 

We have had a XXXX loan on XXXX XXXX XXXX XXXX for 3 years. As of XX/XX/XXXX we owed approximately {$19000.00} which we paid off. The title was released after about a month. The credit report incorrectly shows loan still open and not paid off. This is interesting because if we had traded for another XXXX and financed with XXXX again it would have adversely affected our credit terms. This is neither fair or legal in my eyes. They seem to have a lot of undue manipulation in my credit report as well as my husbands. It shows that we owe {$40000.00} to XXXX and we owe {$0.00}. I expected XXXX to remove this as an open obligation and disputed 2 months ago. They will not respond. The truck has been paid off since XX/XX/XXXX, that is 5 months. Can you please assist? 

Regards, XXXX
Consumer complaint received 2018-08-14
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: Experian Information Solutions Inc. (OK)

I currently have a fraud alert with Experian. I was notified by Experian that a company pulled my credit report to open an account without my consent or contacting me. This is a fraudulent attempt to obtain credit in my name without my consent. This company did not call me before pulling my credit report. I would like a copy of this application that has my information on it. I would also like this company to be reported for fraudulent activity. How do I get a copy of the application that was used to attempt to obtain credit in my name? This affects my credit score which costs me more money to obtain credit. 

XXXX XXXX
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX and I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES AND update all the following ACCOUNTS attached to this complaint from my credit report immediately.
Consumer complaint received 2022-03-09
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

Hello my name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following INQUIRIES and update all the following ACCOUNTS from my credit report immediately.
Consumer complaint received 2020-08-01
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. (IN)

Have disputed this account from XXXX XXXX with XXXX, XXXX, and Experian with no avail. Only updated with inaccurate information every time. Which clearly is not the case. 
1. Account status is different with all 3. 
2. Date opened is inaccurate. 
3. Payment status is inaccurate. 
4. Last reported dates are inaccurate. 
5. Comments on all 3 accounts read something different. 
6. Date last active is different on all 3. 
7. Date of last payment should be the exact same across the board as either the charge off date, or the day the car was paid off. 

All of this information is inaccurate and Is a violation of my rights. Picture from credit report included. Report pulled on XXXX.