davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rozlin Financial Group, Inc. (IL)

I signed up with XXXX in XX/XX/2022. When I tried to log into my account I realized I was being denied access to the account due to a typo in my email address. After repeated attempts to contact them via their website to rectify the error I kept getting the same standard reply asking me to log in with the address on file. I was never actually able to use the account and therefore declined payment towards it. If there is any evidence to the contrary I would be happy to make the payment. A complete lack of customer service makes matters even more difficult to resolve with XXXX. 
In XX/XX/2022 I got a letter from a collection XXXX XXXX. I emailed a detailed description of the matter and spoke with them over the phone as well. There were several email exchanges and I even mentioned that I would contact a consumer protection board if the harassment continued.
Consumer complaint received 2021-08-17
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: KEYCORP (CA)

On XX/XX/ Keybank Na reported a Hard inquiry to XXXX and reflected on my credit report. 

On XXXX I contacted XXXX about the incorrect inquiry showing up on my credit report. XXXX sent a letter to the creditor on my behalf requesting deletion of the inquiry. There was no answer from the creditor. 

I contacted XXXX a second time on XX/XX/ and requested them to investigate the inquiry. They sent a second letter requesting deletion of the hard inquiry. I stated over the phone to XXXX, I have already contacted the creditor directly and they have no proof of permissible purpose or even a record of me.
Consumer complaint received 2021-04-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Regional Management Corporation (WI)

I originally took out a loan with Regional finance located in XXXX, Wisconsin because I was feeling the effects of the corona virus and had a loss of income. This was from a check that was sent to me in the mail without applying. When I was having issues repaying the loan back their only option to assist was for me to take out an additional loan. I spoke with XXXX the manager at that location. I ended up getting a larger loan, which was not in my best interest, but I didnt have any other options. This also allowed me to defer my payment for a couple months. When it came time to make my first payment I did not have enough money because all my other credit cards were also neglected, along with my rent, my car payment, and utilities. I was in constant contact with them regarding them ; I reached out weekly. The loan is at a 50 % + interest rate and the apr is also 50 % + rate. I told them what I could afford and they were not willing to work with me. I eventually spoke to XXXX again and asked if the work with XXXX programs and she said yes. This is a non for profit company ( XXXX XXXX ) approved by the government to assist with lowering the interest rate with lenders. They refused the proposal send from this program and told me they would like to rerun my credit again and approved me for a new loan. They are not willing to assist when the goal for the past 5 months has been to make affordable payments with a reasonable interest rate due to the effects Ive felt with the corona virus. They will also have told me they will no longer contact me because I reached out to a non for profit program ( a 3rd party ) to assist. I feel I am being taken advantage of and my hardship is being used against me for their own profit.
Consumer complaint received 2023-04-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (VA)

XXXX  has tried to get me to pay for a bill for XXXX XXXX for a few years now. The debt is not mine. They have put it onto my credit report 3 times by 3 different debt collection agencies. Each time I dispute the charge and it is immediately taken off my credit report because XXXX does not have the correct social security number. I have sent in packets that they have asked me to fill out 2 different times and each time its always some kind of hold up. Or I need to contact this department or that department. Its always a run around. As of right now if I go to XXXX I cant get any of there services because of this issue.
Consumer complaint received 2024-03-19
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc. (MD)

The issue started when I wasn't able to withdrawl my money ( about {$7000.00} ) from crypto.com 's app because the app is flawed in many ways and won't allow me to access that option, but it worked multiple times before. For example, I am unable to see details about my account and what cryptocurrencies I have, which is shown in the attachment below. On XX/XX/2023, I sent an email to their customer support to inquire about this issue, but they responded very slowly and have not provided a solution. They've only responsed with automatic emails that did not address the concerns or issues I was having. I told them earlier that if they did not respond with helpful email, I would report them to a government agency.
Consumer complaint received 2021-08-17
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. (SC)

I am a victim of identity theft. I had filed a complaint to TransUnion on XX/XX/2021 through a certified mail with tracking number, XXXX. Thirty days have passed and i have not received any resonse from TransUnion. According to Federal Credit Law spelled out in the Fair Credit Reporting Act ( FCRA ), a Credit Bureau is required to respond to you and complete their investigation within thirty days. If they do not respond within the timeframe, they must remove the negative listing disputed.
Consumer complaint received 2023-01-11
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. (NV)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes this erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened : XX/XX/2015 Balance : {$0.00}
Consumer complaint received 2021-03-26
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (NY)

My XXXX XXXX XXXX suffered catastrophic engine failure in XX/XX/XXXX. I need a copy of my loan satisfaction letter from Kia Finance XXXX so that I can clear the title and sell the car to a company that made me an offer for it. Over the past month, I have made numerous calls to Kia Finance and was promised that they would send me a copy of my loan satisfaction letter, however, at this writing, I have not received it. I tried e-mail also and received no response. I also tried to get our Kia dealer to help to no avail. I would like a copy of my loan satisfaction or an explanation as to why I can not get one. I am emclosing a copy of the title with the lien attached and the vin number. Thank you in advance for your help in this matter
Consumer complaint received 2021-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (NY)

Attached please find a detailed description of the problem with emails between Citibank ourselves. The problem that we have had for the 2nd year in a row is that when the bank does their routine account profile updates they do not let us know what information they require in advance of their internally imposed deadlines for account reviews and block our account. 

Last year they blocked the account and then requested copies of identity documents. The account was un-blocked a few days later. This year no request for information was sent and when we inquired we were asked for copies of drivers licenses which were immediately provided and yet after 18 days the account is still unblocked due to a backlog of work in the unit that processes these requests, according to our relationship officer. Requests for escalation have been ignored ( see attached ). 

The purpose of this complaint is both to get our account unblocked and to call attention to a systemic failure in this institutions process for updating files without causing financial harm to their customers.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus is reporting inaccurate information on PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-09-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SinglePoint GI (MD)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on GENERAL REV ( Original Creditor : XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2023-01-11
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. (MN)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under my name. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more th an 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be a claim that constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute IsFrivolous or irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15U.S.C. 1681o ] a person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

XXXX XXXX  XXXX XXXX
Consumer complaint received 2023-04-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc. (NM)

I received a letter dated XX/XX/XXXX informing me of a debt owed to " XXXX XXXX for {$25.00}. Around the time that I received the letter I contacted XXXX to confirm that this is not the case, and they did confirm that my account is active with no negative balances or collections on it. At that point I decided to just drop the issue. Today XX/XX/XXXX I was clearing out my filing cabinet when I discovered the letter and decided to follow up with the debt collection company to see what was going on. I contacted Credit Corp Solutions on XX/XX/XXXX and informed them that this debt is not valid, that I have contacted XXXX and they have informed me there is no debt owed to them, nor is there a debt in collections. The representative did not believe me and instead told me I can pay the current balance or complete a fraud form. I then contacted XXXX once again on XX/XX/XXXX to confirm I have no balance, I talked to about 4 representatives who all confirmed there is no negative balance on my account, nor is there any collections for my account. I would like to formally complain about Credit Corp Solutions obviously fraudulent business practices. If need be I will obtain a lawyer to follow suit against this company to hopefully expose and prevent the fraudulent business practices this company partakes in.
Consumer complaint received 2021-09-21
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. XXXX XXXX XXXX has applied this account onto my credit report on Equifax and XXXX. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.
Consumer complaint received 2021-09-21
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. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. XXXX XXXX XXXX has applied this account onto my credit report on XXXX and TransUnion. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc. (PA)

I signed up for an account in XXXX, but haven't been able to " verify '' all of my information, although I have emails saying that I am verified. I have {$100.00} stuck in their system, and I have made NUMEROUS complaint tickets, XXXX  at them, sent messages on XXXX and XXXX ... with no reply. This is going on four months with no reply from them on how to get my account operational so that I can withdraw my funds.
Consumer complaint received 2021-09-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (AL)

On XX/XX/2021 I called Chase Credit card for Southwest Rapid Rewards to complain about how southwest airlines has devalued their points to purchase tickets. I spoke with XXXX. I asked for my {$99.00} fee to be returned and close the account. She said that they could not do that after 90 days. She then offered to give me a pro-rated amount back of the annual fee. She could not tell me exactly how much it would be. I said OK. They did not give me a pro-rated amount of the annual fee of {$99.00}. I have since spoke with two different supervisors and they were not sorry and restated their policy that after 90 days there is on refund of the fee. I spoke with XXXX XXXX and XXXX. I asked XXXX if their company had integrity and she said they did, but refused to reopen my account or refund and portion of the fee. They refused to let me talk to a supervisor. If the first rep had not offered to pro-rate my refund then I would not have closed the account.
Consumer complaint received 2019-03-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (TX)

I tried to open up another account with Wells Fargo my old account was closed out do overdraft fees and I paid off all my old overdraft fees and I'm still having problems trying to open up a new checking and savings account can you please tell me why and what's going on
Consumer complaint received 2021-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (MO)

LexisNexis is in violation of the FCRA 15 U.S. Code 1681b ( a ) ( 2 ) 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 15 U.S. Code 1681o ( a ) ( 1 ). 

On XX/XX/XXXX LexisNexis received via certified mail ( TRACKING NUMBER # XXXX ) an Affidavit of Truth along with Exhibits of proof of multiple violations. LexisNexis has committed identity theft and fraud as I never gave LexisNexis permission to produce any consumer report. 

On XX/XX/2021 I received an email from XXXX, XXXX ( RIS-ATL ) XXXX. 
XXXX asked for my credit card information to authenticate me. I responded to XXXX asking her to state what law under the FCRA requires me to provide any of this information. 

XXXX sent this email saying they could not authenticate me but provided identifiable information within the email that could cause another form of identity theft. 

XXXX also failed to respond to the email that she sent directly to me. 

LexisNexis is now in default as they have failed to respond to the notarized Affidavit. 
LexisNexis has also failed to pay the attached invoice. There is now a late fee associated with the invoice. 

I wish to settle this amicably but will not hesitate to go public or move to the next step to obtain my remedy. 

LexisNexis was also given a direct phone number to contact me. 

As of XX/XX/2021 I have spoken with XXXX at the LexisNexis XXXX CST who advised that the case would be submitted stating I XXXX XXXX have been authenticated.
Consumer complaint received 2021-08-17
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. (NY)

I opened my mortgage with XXXX XXXX, since i opened my mortgage with the above company i made payments from my business account to pay the mortgage and everything was going smoothly with the payment history. in XXXX of 2019 XXXX XXXX XXXX  bought the mortgages from XXXX XXXX. and started to return my payments after a while i realized what is happing that XXXX XXXX XXXX is not accepting my payments. so i got in contact with XXXX XXXX XXXX and ask why they are not my reporting my payments i am sending, they told me they can't accept this kind of payment because checks has to come from my personal account ... i complaint to the supervisor from XXXX XXXX XXXX that its not legal to not notify me that they will not accept this kind of payments i was used to make to XXXX XXXX, because they didnt notify me of their changes in accepting my form of payment, they report lates on my credit report since XXXX of 2019. the supervisor of XXXX XXXX XXXX assured me he will take care of it and make sure XXXX XXXX XXXX is reaching out to all 3 credit bureaus to remove the negative marks, till today XXXX XXXX XXXX didn't reach out to the report companies to remove the lates.
Consumer complaint received 2020-12-08
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX of this year I notice 6 late payments to XXXX XXXX County child support I contacted XXXX XXXX County they admitted their mistake sent me an email explaining it and told me to file a dispute I filed 6 rounds of disputes none of which were ever sent the XXXX XXXX County I then went to the consumer finance bureau have now filed 2 rounds with them I was told for some reason trans Union was unable to open my documents to confirm that there was a mistake made, so now I am resubmitting all these documents to take care of this, included is an email stating that the mistake was the fault of XXXX XXXX County I've included this again. I've also included copies of my passport driver 's license social security card and proof of my address in case any of those are in question
Consumer complaint received 2019-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

First - Please remove the fraud alert on my credit report. I have asked this more than 3 times and it has not yet been done. My number is XXXX. 

These accounts below have the wrong balance. 

Open credit card accounts XXXX XXXX Reported XX/XX/2019 148 % Balance : {$290.00} / {$200.00} XXXX XXXX XXXX Reported XX/XX/2019 96 % Balance : {$280.00} / {$300.00} XXXX XXXX XXXX Reported XX/XX/2019 89 % Balance : {$170.00} / {$200.00} XXXX XXXX Reported XX/XX/2019 52 % Balance : {$510.00} / {$1000.00}