davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

I received a text message from an unknown number XXXX ( XXXX ) XXXX on XX/XX/2022 at XXXX XXXX  ( PST ). 

Message states : " CITI : Dear Client, We temporarily blocked your debit card due to recent unusual transaction, Sign-in citicardXXXX to unlock your card. '' Issue : This is a scam. I do not use CITI bank, therefore do not own a debit card through this company.
Consumer complaint received 2022-05-04
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. (FL)

In accordance with the fair credit reporting act : XXXX XXXX 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 - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights .
Consumer complaint received 2020-05-27
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS.
Consumer complaint received 2022-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XX/XX/XXXX XXXX XXXX XXXX ( BANK ) CREDIT INQUIRY NOT AUTHORIZED XX/XX/XXXX XXXX XXXX XXXX  ( BANK ) CREDIT INQUIRY NOT AUTHORIZED XX/XX/XXXXXXXX XXXX XXXX ( FINANCE ) CREDIT INQUIRY NOT AUTHORIZED SECTION 604 OF THE FAIR CREDIT REPORTING ACT ( FCRA )
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. ()

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$4300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-12-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC (CA)

Dear, XXXX XXXX XXXX XXXX  i get my XXXX XXXX check on XXXX Wednesday of each month to cover my mortgage payment that was setup Autopay with XXXX to be deduct XXXX of each month for some reason they changed on XXXX and cause NSF on my bank paid {$35.00} and XXXX for {$15.00} total of {$50.00} that shouldnt happened in the first place and I had to call them why they did I can not get an answer I want to know why It changed and are they going to draft my payment on XXXX of each month including XXXX payment and credit the {$15.00} at their end and pay {$35.00} to my bank.
Consumer complaint received 2018-04-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Regional Management Corporation (SC)

I have a personal loan with XXXX XXXX in XXXX, SC. This loan originated at the XXXX, SC branch on XXXX XXXX XXXX. The original loan amount of {$5500.00} with payments of XXXX that started XX/XX/XXXX. I have been having to pay {$240.00} a month because they want to " round '' the payment up but I am not seeing where the extra principal is being applied to my account. Last XX/XX/XXXX my payoff balance was {$3300.00} and now they telling me it is {$4100.00}. I pay ahead in large sums of {$1500.00} which covers 5 -6 months of payments. I now find out they have been charging interest for the months that are covered. When I log into my account online, my balance is {$5100.00}. I am tired of being deceived of this account balance. I have to call every month to get a " payoff '' amount that is more true because I can't keep track on my amortization schedule of the payoff amount. they call me every hour even though I am not late. I feel they are in CFPB violation of lender laws by not being transparent of my account balance.
Consumer complaint received 2022-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

On XX/XX/XXXX I submitted a dispute with Transunion about an account with XXXX XXXX XXXX. The account has been incorrectly reported and the dispute said estimated completion date was XX/XX/XXXX. However this dispute is still open and has caused the bureau to not allow me to dispute any other wrong info going forward. they've also dropped my score by XXXX points after contacting them about this unsolved dispute!
Consumer complaint received 2021-12-07
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: Experian Information Solutions Inc. (CT)

FRAUDULENT APPLICATIONS WAS SUBMITED XXXX XXXX SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT XXXX  FRAUDULENTLY OBTAIN GOODS OR SERVICES THE ADDRESS USED WAS : XXXX XXXX XXXX XXXX OHIO XXXX PHONE NUMBER XXXX XXXX ) XXXX THIS IS NOT MY INFORMATION
Consumer complaint received 2022-05-04
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. (TN)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX 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 a account without my written instructions
Consumer complaint received 2022-05-04
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 (FL)

The hard inquiry is fraudulent account never remember signing up for a Amazon credit card Verizon account was fraudulent account my twin brother use my I.D wouldn't be surprised if he was the one applied for the Amazon credit card I have no knowledge of these accounts I need them removed immediately
Consumer complaint received 2019-10-06
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. (VA)

Noticed fraudulent inquires on my Experian, XXXX, and XXXX   reports. Have mailed in multiple dispute and still see the inaccurate/fraud inquires, XXXX XXXX 1. XXXX/XXXX 2.  XXXX 3, XXXX 4 XXXX XXXX XXXX 1.XXXX 2 . XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6,  XXXX 7. XXXX XXXX 8. XXXX XXXX 9, XXXX  XXXX 10. XXXX XXXX  11.  XXXX 12. XXXX XXXX  XXXX Experian XXXX 1.XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX 4.XXXX XXXX 5 , XXXX XXXX  XXXXXXXX XXXX  7. XXXX XXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10.XXXX 11 . XXXX
Consumer complaint received 2022-05-04
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. (OH)

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX Account # XXXX **** violated my Federal protective consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy
Consumer complaint received 2021-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RUI Credit Services, Inc. (CT)

RUI company sent me a bill for {$9300.00} and said that it was owed for XXXX. I am a XXXX VET and my wife has a XXXX as well. I have never had an XXXX account because my wife would and has paid all utilities. She collects XXXX and no XXXX account would have ever been put into my name. This account is identity theft, false collects, fraud, or at a minimum a mistake. These false collections attempt better not hit my credit.
Consumer complaint received 2020-12-14
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates (GA)

XXXX XXXX stated that he will continue to call me multiple times a day if I dont pay. He also stated that he looked up my credit report and knows why I'm in collections because I dont pay my bills and im broke. 
I asked him to stop calling and he said he will continue. 
He asked if I wanted to settle and I told him no and he said why and then proceed to call me a their. 
1st call received on XX/XX/2020
Consumer complaint received 2018-02-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants Adjustment Service, Inc. (AL)

I became ill at home on XX/XX/XXXX with XXXX XXXX XXXX, XXXX and XXXX. I went to the closest medical facility to my home which was XXXX XXXX XXXX XXXX, however, the clinic closed early due to the holidays. In my need to desperately be seen by a physician I went to the emergency room for treatment. In that moment I was triaged and put into a waiting room. 
After approximately XXXX hours of waiting and not being seen by a physician I checked with the clerical staff regarding how long it would be before I am seen by a physician. The clerical staff was astonished that I had not been seen they said that they had no idea I hadn't been seen. Later a female entered into the exam-room and never introduced herself to me. I asked who she was then she stated XXXX XXXX. She requested to see my inhaler I had in my hand and inquired, " who prescribed this inhaler for you? '' After that XXXX XXXX abruptly left the exam-room. XXXX XXXX returned shortly with her malicious diagnosis alleging, " your doctor did not prescribe this inhaler for you and I refuse to treat you. '' During her psychotic, racial rant and abuse of me I suffered a XXXX XXXX in the exam-room. I had to take my medication of XXXX XXXX immediately to endure the racial abuse from this gatekeeper 's vile systematic actions being taken against me. After filing a complaint with XXXX regarding the maltreatment that I received from the doctor at XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX left a line of destruction against me with XXXX XXXX XXXX. In their narrative that dated XX/XX/XXXXthey alleged " you were seen at XXXX XXXX XXXX XXXX 's after hours clinic on XX/XX/XXXX, '' is a fraudulent statement and misleading statement. I was not seen in the after hours clinic they were closed. Therefore, I had to go to the emergency room seeking treatment but was refused medical treatment in the " emergency room by their physician at XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX continue with their intent by making a representation which they knows to be false ... '' you left against medical advice at XXXX p.m.
Consumer complaint received 2022-05-04
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: EQUIFAX, INC. (SC)

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. 
XXXX DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-04
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. (SC)

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. 
XXXX  DEPT OF ED/XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-04
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. (CT)

CFPB Write up XXXX 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 a account without my written instructions XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-12
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: Grain Technology, Inc. (TX)

I have an account with Grain Technology and I filed a complaint with them through you all, however, my issue is not resolved. I have not been able to log into my account due to the high call volume. My recent complaint number was XXXX. 

I have not been able to make a payment on my account since XXXX which is not my problem. My credit has decreased by XXXX points because they are reporting incorrect information regarding a missed payment. I've been sending them emails since XXXX and recently just received a response, however, with them reaching out my issue has not been resolved. I was able to log into my account as of today and I don't believe my credit should suffer due to the company 's non-responses or how busy they have been. While all of this was transpiring with not being able to make a payment or access my account, they took {$80.00} out of my account as of XXXX but marked my account as late. I asked how and why did they take it from my account and I have not gotten a reason for this. Even with them taking {$80.00} from my checking account, none of the money was applied to my balance. I just made a payment of {$94.00} today but I believe it's unfair of them to report my payment as late.
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HSBC NORTH AMERICA HOLDINGS INC. (GA)

HSBC Bank, XXXX XXXX XXXX is reporting an erroneous and inaccurate charge-off with a past due balance on my credit report with XXXX and XXXX. In violations of FCRA, a charged-off account is already written off. There should be no past due balance of {$4500.00} when the account is charged-off already. 

I dispute the entire balance pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ) against HSBC Bank, XXXX XXXX XXXX. 

I previously disputed this erroneous and inaccurate information with XXXX and HSBC Bank, XXXX XXXX XXXX was removed from my credit report for inaccurately reporting a charged-off account with a past due balance amount owed. A direct violation of FCRA, requiring all inaccurate information to be removed. 

HSBC Bank, XXXX XXXX XXXX sold the charged-off account to XXXX XXXX  XXXX XXXX Who notified me on XX/XX/2022 by letter attached as a Collections agency. 

Pursuant to FDCPA Section 809. Validation of debts ( 15 USC1692g ) requires validation of debt before reporting information on my credit file. I demanded validation of debt from XXXX XXXX XXXX XXXX XXXX 

When XXXX XXXX, XXXX failed to validate the debt, they informed me that the account was transferred back to HSBC Bank, XXXX XXXX XXXX.
Consumer complaint received 2022-11-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONS DIRECT MORTGAGE, LLC (FL)

Acct XXXX XXXX Hurricane Ian hit Florida at the end of XXXX, I was notified by my employer that my hours will be reduced as they were affected by this Hurricane. I called your bank in the first week of XXXX and spoke to whoever I spoke to about a payment deferment ( or whatever you call it ) I was assured by the rep that I will get a XXXX deferment which was ok by me and the next payment will be due in XXXX. I assumed everything was ok and was prepared to make payments in XXXX On the first week of XXXX get an alert from XXXX XXXX That your bank informed the credit bureaus That i am late in my mortgage payment and my credit score went from XXXX to XXXX. I was very upset. I called immediately and got XXXX your manager in loss mitigation and she said she will take care of it. It is now end of XXXX and I have called several times for XXXX and I can not get hold of her. I paid both XXXX and XXXX immediately in XXXX ( from funds I had to borrow ) to bring my account current which it is Please help me in reversing this late notice which is a fault of yours not mine. 

Thank you
Consumer complaint received 2022-05-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (SC)

I'm a XXXX XXXX XXXX XXXX my identity has been breached, at this address causing me to be in a serious financial situation. It's even effected mail service to the home, no resources or assistance has been offered or any help obtaining the proper assistance. It's has only gotten worse to the point I'm living in a place that has no utility services or running water, while being on my own. I'm having to have paid help for credit rehabilitation also, as of today I'm currently still in this dwelling with hopes of get the right support and immediate help.
Consumer complaint received 2018-04-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CO)

I purchased my home in with a 30-year mortgage in XX/XX/XXXX and was originally with XXXX  XXXX XXXX. In XX/XX/XXXX I refinanced to a 15-year loan with XXXX XXXX XXXX XXXX. I have made every payment on time without any late or missed payments. I filed bankruptcy ( chap XXXX ) in XX/XX/XXXX and was informed by my attorney to not reaffirm but to continue making my payments as agreed. On XX/XX/XXXX I made a lump sum payment and paid my mortgage in full. On XX/XX/XXXX my credit score dropped 31 points. When I checked my credit report I found that my mortgage was missing from the report all together. It is like I never had a mortgage in the first place. I pulled out some older credit reports and they list XXXX XXXX XXXX XXXX as under a bankruptcy. I was told ( in XX/XX/XXXX ) by a representative of XXXX XXXX that once my mortgage was paid in full it would be noted on my credit report. So I continued with the payments to include that last lump sum payment. 

The credit bureaus continue to report the bankruptcy but a penalizing me for the positive achievements I've made over the years. This doesn't make sense to me. How can I be penalized for the longevity and positive credit I've achieved and still be negatively impacted. Not one of my bills are late. I should receive the credit for this. I sent the credit reporting agencies a " Request for Addition of Supplementary Credit References '' XXXX XXXX says to call the credit reporting agencies and the credit reporting agencies tell me to call the mortgage company. I am between a rock and a hard place.
Consumer complaint received 2019-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

LVNV Funding is reporting an account that does not belong to me. I have never opened any good nor have I benefited from this account! This account is not mine. I am not liable nor am I responsible {$930.00}. THIS MUST BE REMOVED FROM ALL of my credit files! I have been a victim of identity theft. Please see attached FTC with LVNV listed on it. RESOLVE AND REMOVE IMMEDIATELY! I have not opened this account therefore I am not responsible for this account however LVNV Funding is holding an innocent individual like myself liable for this fraudulent account/amount ( {$930.00} ). I will also be filing a XXXX towards LVNV Funding for holding me liable for this account that I never opened nor have I given anyone authorization to do so therefore this account was due to fraud. Resolve issue ASAP!