davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

XXXX XXXX placed a collection account on my credit report in XX/XX/2018. I did not receive a XXXX letter nor notification regarding the debt. I wrote a letter to XXXX recovery in XX/XX/2018 and again in XXXX & XXXX asking for debt validation. Meanwhile I also request validation from Equifax XXXX and XXXX. To date the debt has not been validated but still remains on my equifax and XXXX  credit report. Ive sent a second dispute letter and XXXX was the only agency to remove the debt because it couldnt be validated. XXXX has not responded to three request to validate and equifax and XXXX  have failed to provide the method of validation. This account is unknown to me and I wish it to be removed from my credit report.
Consumer complaint received 2019-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: General Motors Financial Company, Inc. (CA)

I have a loan with GM FINANCIAL. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and GM FINANCIAL with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2018.
Consumer complaint received 2023-02-01
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
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)

1. In accordance with the Fair Credit Reporting act XX/XX/XXXX BANK/XX/XX/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 2. In accordance with the Fair Credit Reporting act BANK 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 2019-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (MI)

On XX/XX/XXXX, I contacted XXXX ( cell phone carrier ) to close my account. I spoke to a manager who informed me that I needed to pay a balance of {$82.00}. I paid this amount using my XXXX credit card ( statement attached ). I was told my phone would be unlocked in a few days, which it wasn't. I phoned XXXX on XX/XX/XXXX to find out why my phone had not been unlocked ; they put through the request again and a day or so later my phone was unlocked. I activated a new cell phone account with XXXX XXXX XXXX ( email confirmation attached ). 
I kept getting emails from XXXX indicating a balanced owed. I phoned on XX/XX/XXXX ( 17 minutes ) to once again ask XXXX to cancel my account. I received another payment request, but each month they were adding charges to my bill. I phoned on XX/XX/XXXX ( 22 minutes ) and the representative assured me that my account would be closed and remove any remaining balance ( Ref. # XXXX ). I assumed by now the matter was finally resolved. Not so, because I continued to receive invoices. One XX/XX/XXXX, I called XXXX ( approx. 45 minutes ) ( Ref. # XXXX ). I do not have a printed record of this call because my billing cycle with XXXX XXXX ends on XX/XX/XXXX. XXXX admitted that the account should have been closed in XXXX. Once again, I was assured my account would be closed. Two days later I receive a letter from a collection agency, GC Services demanding payment of {$230.00}.
Consumer complaint received 2021-02-13
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. (FL)

my identity was stolen and used to open credit without my knowledge. now it is ruined me i am doing this in hope to get all straighten out i can get my credit in order have been a victim of identity theft.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Quickly prepare and forward a careful documentary review demonstrating that these tradelines appear without errors on my credit report and that any statutory guarantees are not summarily refuted. 

XXXX XXXX This account doesn't belong to me. 
XXXX XXXX This account doesn't belong to me. 
XXXX XXXX XXXX This account doesn't belong to me.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Metro Collection Service Inc. (CO)

I owe an apartment complex for breaking the lease early along with some fees. Original debt was around {$5000.00}. This debt collectors has added about {$3000.00} in interest when I dont have a contract with them. Because at one point I tried to work with them they have given up looking for the co-debtor and have now started garnishing my wages for this ridiculous amount and not making the co-debtor pay anything.
Consumer complaint received 2018-09-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (CA)

Completed a Refinance in in Late XXXX on our house serviced through Roundpoint Mortgage that uses XXXX as a third Party Servicer. The RE-FI was done by XXXX XXXX XXXX ( New Loan ). During the process Roundpoint paid the property taxes through the escrow account because they were due, and XXXX XXXX also paid the taxes on the new loan through escrow, using XXXX XXXX to complete new loan. I have confirmed the double payment through XXXX XXXX County Tax Assessor that payment was accepted on new loan through escrow and payment from Roundpoint was sent back for double payment on XX/XX/2018 of {$2900.00}. Because i knew taxes were paid twice I allowed approximately 60 days to process for reimbursement of overpaid taxes by Roundpoint before I started inquiring about the overpayment with Roundpoint. After this time I have made approximately 8 calls to Roundpoint asking for  reimbursement totaling hours on the phone only to get get many variations on what is going on, i have been told by Roundpoint that, nothing is showing owed to me, its under review, still in processing, through conference call with Tax Assessor that it will be overnighted to me on XX/XX/XXXX, to now it will take another 6-8 weeks for reimbursement. Round point has been less than cooperative in resolving this in a timely matter and in truth I believe it is lost in their system. I have researched matter and have documents showing Roundpoint payment on XX/XX/2018, XXXX XXXX   payment on XX/XX/2018, and Tax Assessor payment back to Roundpoint on XX/XX/18 Just looking for help to resolve this matter. Thank you
Consumer complaint received 2018-09-12
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC (GA)

I received a payday/installment loan from Big Picture Loans on XXXX18 in the amount of {$1500.00} ; which was instantly deposited into my checking account. I was not able to fully and completely review The Truth in Lending Disclosures until after acceptance of the loan- BIG mistake. It showed an APR of 474.8487 % ; and the total amount due for the original {$1500.00} loan would total {$7800.00}. I have contacted the company several times to discuss not being able to make these payments and about the extraordinary high APR fees. One representative told me that they will " defer '' a payment for me in order to " catch back up '' ; but that would also incur interest on a daily basis on the total amount due. Another time I spoke with a representative and discussed not being able to pay any further payments and I was told/threatened that if I stopped the automatic payments from being taken from my checking account then they will issue a " remote check '' to withdrawal the entire amount owed. I have made the following payments of {$300.00} : XXXX18, XXXX-18, XXXX-18, XXXX-XXXX-18, XXXX18, XXXX18 for a total of {$1800.00}. I have paid more than what was originally borrowed. I am financially no longer able to sustain these payments and have tried working with Big Picture Loans to no avail- all they have done is postponed payments, adding additional interest to an amount I already can not pay. If you can assist with having this account closed with Big Picture Loans- I will greatly appreciate it. I would just like this account to be closed and considered paid in full and no further withdrawals from my checking account. Thank you so much for your assistance. 
Big Picture Loans contact info : XXXX XXXX XXXX XXXX, MI XXXX XXXX
Consumer complaint received 2024-02-07
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. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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: LEXISNEXIS (AR)

I disputed a bankruptcy that was reported to the credit bureaus on my credit report by LexisNexis. I reached out to the bureau and they said Lexis nexis verified this bankruptcy belonged to me. I in turn reached out to Lexis nexis to see where they got this information and how was it verified. They told me thru the courts. I verified the us bankruptcy court does not provide information to 3rd parties. I have a right to privacy and for LexisNexis to illegally obtain that information is in violation of my consumer rights to privacy. It was not verified thru the source and needs to be removed or I will seek monetary support.
Consumer complaint received 2020-12-16
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: Waypoint Resource Group, LLC (WA)

On XXXX XXXX, 2020, WAYPOINT RESOURCE GROUP add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WAYPOINT RESOURCE GROUP has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2019-01-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERINATIONAL COMMUNITY SERVICES, INC. (CA)

Amerinat was the servicer of my 2nd mortgage that was paid in full on XX/XX/XXXX through an escrow with XXXX XXXX XXXX XXXX. Amerinat collected all the fees and amounts due to them and demanded from them on that day but waited untill the Spring of XX/XX/XXXX to contact the County of XXXX to release their lien without success. They have not released the lien on my property even after the close of escrow but instead are demanding for more money from me. Please help me to resolve this matter and have them release the lien on my property. Thanks.
Consumer complaint received 2022-07-23
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. (FL)

I have reported charges that were fraud on my credit card from XXXX and made a dispute with XXXX  XXXX which is through XXXX XXXX and they stated an investigation would take 30-60 days and nothing has been done with taking these charges off my account. This credit card company has been charging me late fees on this account when they do not belong to me since i never made these purchases. I am disputing this account since I have now closed this and want to find remedy in the credit card company zeroing out this account since they never completed an investigation
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I called TransUnion XX/XX/18 regarding data error using the number provided online from free credit report. I was connected to an offshore representative without my knowledge. I was not alerted my call was re-routed to a foreign country albeit to an employee of TransUnion. Because my call was routed outside the US and the information requested included my US Social and other personal data it occured to me my shared data was potentially at risk. I only realized I was talking to a foreign national due to the delay over the phone. I requested to be re-directed to a US based representative. I asked if the call was secure and encrypted otherwise my voice and vocal responses could potentially be hacked/tapped in the foreign country used by TransUnion to re-route my US based inquiry. This may be a common cost saving initiative by all Credit Bureaus but it potentially represents a glaring gap in security because its routed un-encrypted through a foreign telecommunication system. While I was assured Transunion makes every effort to secure information AT its offshore locations this is not a safeguard for interception of call TO those offices in foreign telecommunication systems subject to foreign unknown laws. At a minimum if a call is routed outside the US and representatives are collecting personal data you need to be informed at the outset of the discussion with a representative. This needs to be fixed asap.
Consumer complaint received 2022-03-08
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America stated I would be held responsible for a fraudulent charge that I did not make though XXXX. There is evidence submitted to them that the address on the card did not match the delivery address of the fraudulent charge. The name and phone number associated with the delivery of the product also did not match the name of the cardholder. A total of XXXX  was fraudulently placed on my credit card. They did credit the account but are now reversing the credit and making me pay for this fraud charge.
Consumer complaint received 2022-03-08
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. (PA)

I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4600.00} Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2020-12-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Made a purchase to an individual of a total amount around {$120.00} using the XXXX service which was provided by my bank Bank of America. I later realized that this transaction was a scam and can't receive a refund. If this transaction is made and provided by my bank, which is one of the biggest banks, how is it that I'm not protected by scams and not receiving a product that I had purchased? Thats why I'm reaching out to you guys, this just doesn't seem right.
Consumer complaint received 2020-12-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

The account in question in discussion is Capital one Bank Account # XXXX the issue at hand is a late in XX/XX/2020, I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Capital one. When I was well enough to work I did make the payment immediately.
Consumer complaint received 2020-09-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have a credit card with XXXX XXXX XXXX XXXX with a XXXX limit ... my due date always falls on the XXXX of each month ... on XX/XX/XXXX I paid my balance off which was XXXX dollars ... how ever I paid XXXX ... I notice my available balance became available but it was still saying I owed XXXX ... next 3 days still didnt update ... I called and ask whats the problem ... .It was told to me there system was updating ... .next 2 days no update ... I called again because it was saying I was delinquent and was given a late fee ... It was told to me there system is still updating and it will be corrected ... Next thing I checked my credit and they have reported I havent paid my credit card ... also its saying I used up 100 percent of my available credit ... which isnt true ... my credit has drop 100 points ... .which my credit was at a XXXX ... Ive contacted both the bank and credit agencies and they are refusing to fix it ... They have also falsified when I made my payment on my credit card and deposit ... need help in correcting this issue this is criminal.
Consumer complaint received 2022-03-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (IN)

When I switched phone, one of my Citi card couldn't be added to mobile wallet in XXXX. I was on Mobile wallet before without problem. When I called customer care, the rep told me tried again later. Three months later, the problem persists. The general customer care supervisor tried multiple times but could not fixed it so they transferred me to fraud department last Thursday, XX/XX/2022. The fraud department rep put me on hold for over 10 minutes and then came back said he needed a supervisor to call me back. The Fraud dept supervisor never called me back so I called again on XX/XX/XXXX. The fraud dept rep, XXXX, was rude and could not care less. She claimed she needed to call me back to verify identity but she never called me back. My Citi card issue still has not been fixed. 

The IT system at Citi is a mess but the bigger problem is the professionalism and competency of the customer care.
Consumer complaint received 2019-01-08
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: Commonwealth Financial Systems, Inc. (GA)

On XX/XX/XXXX, I was notified that a new account had been opened in my name. I immediately disputed the item with XXXX. On XX/XX/XXXX, the investigation was complete. According to XXXX, the item was accurate and updated. On XX/XX/XXXX, I contacted the creditor. The rep 's name is XXXX XXXX. According to XXXX XXXX, the account could not be verified by the account number reported on my credit report. He tried to verify the account using my name but was not successful. Mr. XXXX did ask for my social security number. I did not provide that information over the phone. I requested a second investigation on XX/XX/XXXX, with XXXX. As of XX/XX/XXXX, XXXX  is documenting this item as accurate and it remains on my credit report.
Consumer complaint received 2019-01-08
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (FL)

I have contacted XXXX about this medical debt several times. I have told them that the debt was written off by XXXX XXXX hospital because Im a XXXX XXXX XXXX. I have secured a part time job and I need to pay to have this debt deleted. I can pay 40 % of {$490.00}, which is {$200.00}.
Consumer complaint received 2024-02-02
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: Experian Information Solutions Inc. (NC)

I am requesting a 1099c according to IRS the debt is canceled which means that the company did not report or provide a 1099c to all 3 credit bureaus and it should be removed from mu report.