davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-29
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. (NY)

Hello, On XX/XX/2019 my score was XXXX. 6 days later the scores with XXXX XXXX, Experian, XXXX, and FICO all went down to the 670s, ranging from 670-673. In the last 90 days, I opened a credit card that always stayed at 40 % of the balance. I also renewed an Income Based Repayment plan with my student loan creditor, XXXX  XXXX XXXX. 

I was confused as to why my score went down and so are the employees at the credit reporting agencies. They have been unable to tell me why my credit score went down so suddenly. I'd love some advice please. 

Thanks
Consumer complaint received 2018-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (GA)

On XX/XX/18 I received an email stating that my old credit card had been declined. SEE BELOW FOR A PARTIAL OF THE EMAIL : Dear XXXX, We noticed your recent purchase with your old Walmart Mastercard was declined and we apologize for any inconvenience. Your purchase was declined because that Walmart Mastercard was  deactivated on XX/XX/2018. 
We sent you a new Walmart Mastercard in the mail recently. Simply activate your new card today to start shopping and avoid any more disruptions. 


When I called to tell them I had destroyed the old card so it was not possible for me to have had a purchase declined nor do I ever use my new credit card, they admitted the email sent didn't mean I had actually used my old card. They further explained that it was sent to encourage new activity on my new card. So basically they had just lied about my old card being used to encourage me to use the new one. I feel this was extremely deceptive and caused me to fear that my information had been compromised when it fact it was just a lie for them to scare me into using my card.
Consumer complaint received 2018-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MI)

AFTER REVIEWING MY RECORDS I NOTICED THAT ON XX/XX/09 MY XXXX XXXX   CREDIT CARD ENDING IN # XXXX WAS CHARGED BY THE XXXX XXXX XXXX IN THE AMOUNT OF {$2800.00}. I DONT KNOW WHO THIS COMPANY IS OR HOW THEY GOT MY INFORMATION! AFTER I BROUGHT THIS MATTER TO THE CREDIT CARD COMPANYS ATTENTION THEY PRETTY MUCH BRUSHED ME OFF AND DIDNT WANT TO HELP ME! WHICH I AM SURE YOU CAN UNDERSTAND MADE ME VERY UPSET!
Consumer complaint received 2018-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CURO Intermediate Holdings (OH)

Speedy Cash is taking money out of my account and I never applied for this loan. If you do not how my photo ID or my signature online. Im requesting document and I will file civil suit against you for fraud. I will seek damages ..
Consumer complaint received 2022-06-16
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. (CA)

I was reviewing my Equifax credit report & came across numerous items which I did not recognize, know existed or authorize. I contacted the companies to inform them of the issue. They instructed me to file a complaint with identitytheft.gov & credit an identity theft report for their records and attach a copy of the identity theft report ( FTC report # : XXXX. The following information listed is inaccurate & opened due to identity theft. Please see the following information is blocked from my report as I did not benefit or receive any goods or services from these accounts. Here is the list of information I need removed/blocked from my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United Recovery Solutions (CA)

They called me and used a false name saying they were from the Civil Litigation Department and they were a law firm and they were going to sue me and were 3 days away from filing with the court and that they were going to serve me at my home and my place of business. 

When I called back and asked what firm they were a part of they did not tell me they just said they were the civil litigation department and they have offices in all 50 states. When I asked where there office in CA is they said that they would have to transfer me. 

It was a very threatening call and I felt very uncomfortable like they shouldn't have been threatening me like that. They wouldn't even tell me the name of their company and it wasn't until the next day I received the letter with my payment arrangement that the name of the company is UNITED RECOVERY SOLUTIONS not CIVIL LITIGATION DEPARTMENT. 

They are violators of the FDCPA and they should be penalized by the fullest extent of the law.
Consumer complaint received 2022-06-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Hi My name is XXXX XXXX. My bank is XXXX XXXX. My XXXX XXXX. 
On XXXX XX/XX/2022 I order an wire fund to a company XXXX XXXX XXXX  with a XXXX  XXXX account XXXX. But money end up in XXXX XXXX XXXX. 
I tried without success to recover money. They take more 10 days to investigate. They sent me report on XXXX XX/XX/2022 Finally, banker told me I can not get money back on XX/XX/XXXX XXXX. 
XXXX XXXX  said that : XXXX is owner of XXXX. So that money goto right company which is not true. 
Attached are 3 files : 1. my order.

2. screen shot of wire trans detail in my account via web-site.

3. investigate report from XXXX XXXX 4. emal from XXXX XXXX  Thanks for your help Regards XXXX XXXX Email : XXXX Cell phone : XXXX
Consumer complaint received 2019-03-25
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. (NY)

Please see the following list below which are companies that have requested Hard Inquiries without my knowledge or consent. I've reached out to each of the following as well as submitted disputes to TransUnion and XXXX  with no result. I've asked and demanded that they submit proof of my request for a product or service and non of the companies have been able to furnish any results. I've also placed credit inquiry freezes on my credit accounts to prevent from this happening in the future. Please help! 

TransUnion XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Please provide proof that I submitted these requests, through what medium/channel they were submitted, and when. Otherwise, please remove these inquiries as they shouldn't have been there in the first place!
Consumer complaint received 2019-03-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC (KY)

On XX/XX/2019, I made future payment arrangements via the online account portal scheduled for XX/XX/2019. On XX/XX/2019, I received a text message inquiring about my payment, to which I responded that I had already made arrangements. On XX/XX/2019, I received an email later that day regarding the same payment. On XX/XX/2019, I received a letter in the mail regarding the same payment. Finally, on XX/XX/2019, I received another email regarding the same payment. I feel as if my rights have been violated, and feel as if I am being harassed by this company for a payment arrangement that has already been made.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the XXXX you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2018-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIFTH THIRD FINANCIAL CORPORATION (MA)

I went to do an extension for my auto loan when i was leaving the country for vacation. I did not get a piece of paper i needed to sign and return to make it happen. So i made every payment since then for my account but because i did not make that one it has been showing on my credit score as 3 missed payments which is not correct at all. 1 missed month but it wasn't even missed in reality. They just didn't tell me about the piece of paper i needed to sign because i would have told them i will be gone for a month and not able to get the paperwork anyway.
Consumer complaint received 2022-07-21
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. Thank you.
Consumer complaint received 2022-06-13
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. (NC)

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 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 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 2023-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/23 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$440.00} ; XXXX XXXX XXXX Balance : {$510.00}
Consumer complaint received 2020-12-15
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. (GA)

Experian has stated that the item remains on credit report as unchanged and that the account has been verified with the furnisher as accurate as of XX/XX/2020. How is this item verified? Provide me with Experians method of verification by providing the original contract with signature from original creditor, the payoff disclosure, and credit insurance. By law the CRAs are required to provide this documentation to the consumer when requested by law in which, Experian has refused to provide. Via the Fair Credit Reporting Act it is the responsibility of the Credit Reporting Agency to ensure that the information that the creditor is reporting is 100 % accurate and it is not. Experian still reports ( date of status : XX/XX/2020 ) which is an FCRA violation which means that Experian is not conducting any investigations. Experian still does not report name of original creditor which is a FCRA violation. Experian reports contact information for creditor : XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX, XXXX  reports : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX, XXXX  reports : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX USA. How is this account reporting accurate with three different addresses? Via the Fair Credit Reporting Act information being reporting on a consumers report has to be 100 % accurate, timely, and verifiable. In this case it is not.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : 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 2022-10-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC (FL)

Loan Depot ( LD ) alleges that I was 30 days late payment on a payment due on XX/XX/2022, and this prevents them from allowing me to assume responsibility for my taxes and insurance. The facts are as stated below : XXXX. I called LD twice on XX/XX/XXXX and XX/XX/XXXX and was told by LD ' automated voicemail program and the customer service personnel I spoke to that my payment was received and credited to my account and that my next payment was due on XX/XX/XXXX. 
XXXX. I also visited LD 's website during this period, and it showed my payment received on XX/XX/2022 this was as late as XX/XX/2022. 
XXXX. I have a statement from LD prepared by LD on XX/XX/2022 and mailed to me confirming that my account was up to date, and my next payment was due on XX/XX/XXXX. 
XXXX. Your records will show that the first time LD alerted me to an issue with my payment made on XX/XX/XXXX was by way of a statement prepared on XX/XX/2022, which is Friday. I saw this statement on XX/XX/XXXX. 
XXXX. I did receive a call on Saturday XX/XX/XXXX, informing me that there was a problem with my payment on XX/XX/2022, I expressed shock that it took 32 days for LD disclosing that there was a problem with an ACH which LD posted to my account online as a payment, not a pending payment on XX/XX/2022. This was despite my making numerous calls to LD and being told my account was up to date that is it was received on XX/XX/2022, and my next payment was due on XX/XX/XXXX. 
XXXX. Notwithstanding, I initiated a payment over the phone on XX/XX/2022, for both XXXX and XXXX mortgage, that is on immediate notification of the discrepancy and the credit was made to my account on XX/XX/2022. 
XXXX. Currently, I have over {$11000.00} in my escrow account that is after LD paid my insurance of {$5200.00}, my estimated property tax is less than {$4000.00} which I told LD I will pay on XX/XX/2022. However, they refuse to apply my monthly payments to principal and interest only. 
XXXX. The reality is that if LD deliberately waited 32 days to inform that they did not receive a payment which they posted to my account on XX/XX/2022 not as a pending payment but as a payment. This is a ploy they are using to prevent me from paying off my mortgage by taking control of amounts they are holding in escrow. 
XXXX. This practice is a violation of the terms of the mortgage which expressly states that I should not be prevented from reducing the principal. 
XXXX. I can produce all the documentation to confirm all statements made above.
Consumer complaint received 2018-04-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

I attempted to purchase shoes for 300 dollars from a seller on XXXX on XX/XX/XXXX. I sent the money through XXXX, through my bank. I inquired about the purchase on XX/XX/XXXX, and on XX/XX/XXXX they deleted their account. I tried to contact them through means give to me via the purchase made. They have not responded, the email attached to the XXXX account is XXXX. The name on the XXXX account is XXXX XXXX. XXXX says they are not liable for the charges made.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

I have contacted XXXX XXXX about a late payment they are reporting to all 3 credit bureaus that is inaccurate and they have rejected to remove the inaccurate credit mark. My XX/XX/2018 payment was made 31 days after it was due and my XX/XX/XXXXpayment was made 7 days after it was due. They are reporting that my XX/XX/XXXX payment was made on time and that my XX/XX/XXXX payment was more than 30 days late which is false and against the law for the credit bureaus to report such false information.
Consumer complaint received 2022-06-14
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: Continental Services Group, Inc. d/b/a ConServe (NC)

In accordance with the fair credit reporting act, these companies have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2022-06-14
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: ALLY FINANCIAL INC. (NC)

In accordance with the fair credit reporting act, these companies have violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Consumer complaint received 2018-04-26
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. (NJ)

There are three inquiries on Experian that were fraudulently done. I went on XXXX and file an Identity Theft Report. FTC report number XXXX
Consumer complaint received 2022-06-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

On XX/XX/XXXX I received a letter from Carrington Mortgage stating they are intending to start the foreclosure process, They are stating they have not received the XX/XX/XXXX and XX/XX/XXXX payment. On XX/XX/XXXX I purchased cashier check serial number XXXX in the amount of {$750.00} and mailed it to Carrington Mortgage. On XX/XX/XXXX I received a letter from Carrington Mortgage stating they did not receive a physical check for the loan but they included a copy of the front and back of the cashier 's check ( listed above and that it had been processed. They also included a copy of a ledger and offical check from XXXX XXXX XXXX  dated XX/XX/XXXX in the amount of {$1100.00} regarding a XXXX XXXX loan number XXXX. The ledger showed both payments listed above. I responded with a letter dated XX/XX/XXXX regarding the above and copies of the above documents and the cashier 's check dated XX/XX/XXXX. I received a letter on XX/XX/XXXX from Carrington Mortgage stating The Loan Administration Support Department was investigating this situation and would give me a response on or before XX/XX/XXXX. On XX/XX/XXXX I purchased a cashier 's check serial number XXXX in the amount of {$750.00} and mailed it to Carrington Mortgage. I included the documentation from XX/XX/XXXX along with the letter dated XX/XX/XXXX and a copy of the LATE charge I was charged for the XXXX payment that wasn't properly applied to my account. I contacted my bank today and verified that the XXXX payment was processed and cleared from my bank account, The XXXX payment had not been processed yet. I would like for Carrington Mortgage to process the payments and remove the late fees to the account. The Mortgage Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX Loan Company XXXX Carrington Mortgage Services , LLC XXXX XXXX XXXX XXXX, IN XXXX
Consumer complaint received 2022-06-14
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. (TX)

In accordance with the fair Credit Reporting act XXXX account XXXX XXXX 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 with out my written instructions.