davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (SC)

I tried to dispute charges on my Citi Card with a company called XXXX   XXXX XXXX. The charges on 2 of my Citi Cards totaled over 8,800.., but I paid XXXX XXXX in total over {$16000.00} for services that were never provided. That is the reason for this dispute : I did not receive the product and services as was described to me. 

Around the time of XX/XX/2015, several different companies approached me when I was starting and trying to make a successful online business. 

In that period, I was taken advantage of and defrauded for thousands of dollars by these companies who allegedly and falsely promised me great earning potential. I was led to believe I would greatly benefit by signing up with XXXX XXXX XXXX to market my website. In total I have paid them thousands of dollars to create a website that is worthless and non- functional. Instead I have been left with severe debt because of their false promises. 
It has been brought to my attention that these companies are con artist and the FTC is investigating companies such as these. PLEASE HELP ME GET MY MONEY REFUNDED AND HELP PUT A STOP TO THIS.
Consumer complaint received 2021-06-08
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

Due to COVID -19 I was laid off from my job in XX/XX/XXXX. I immediately contacted my mortgage company Mr. Cooper to inform them of this unforeseen disaster. The representative informed me due to COVID-19 my investor is participating in the Pandemic Forbearance Relief Plan. This was a relief as my number one goal is to keep my family in our home. The short term forbearance would be approved in 3 month increments for up to 12 months. Upon the last extension, the mortgage company would provide all the options per my investor which included adding the payments to the end of the loan, repayment plan, modification or a lump sum. I immediately informed the representative we could not afford a lump sum payment. The representative assured me the company would exhaust all options and a full lump sum payment would be the last option as the company understands hard times due to the pandemic. 

XX/XX/XXXX at TIME, I received a call from XXXX XXXX, stating he was assigned to my account since the COVID-19 forbearance expired. I informed him I started a new job and would like to discuss addressing the past due payments as indicated when I agreed to forbearance. 

30 days later I received an email from the mortgage company stating I was denied a modification but a short sale was approved or Deed in Lieu approved. 

We followed all the guidelines set forth by Mr. Cooper Mortgage Company however unbeknown to us Mr. Cooper Mortgage company used unfair business practices and deception. At no time were we told the past due mortgage payments would be due in one lump sum at the end of the short term. We were told we would discuss the options which included repayment plan, modification, moving the past due payments to the end of the loan, etc. This is deception, we were never asked nor provided any financial information for Mr. Cooper to review for a modification or repayment plan. They just assumed we did not qualify. How can the mortgage company determine we don't qualify without any financial information? Is this common practice for certain types of people? They prefer to put us out of our home without trying to help us. 

While Mr. Cooper would like to sell our home, we are seeking fair business practice guidelines per COVID-19 rules to resolve this issue. Our goal is to stay in our home. We were appalled how easy it was for the representative to state cant we pull {$15000.00} from our 401K in the middle of a crisis.
Consumer complaint received 2020-01-24
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: ONEMAIN FINANCE CORPORATION (TX)

There is a One Main XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but XXXX and XXXX are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.
Consumer complaint received 2020-07-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (FL)

On XX/XX/2020 I was told the company was investigating my claim. On XX/XX/2020 I emailed them about my status of my claim. On XX/XX/2020 they said I never sent my claim in.
Consumer complaint received 2022-04-29
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. (TX)

In accordance to the fair credit reporting act XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 and for and purpose.
Consumer complaint received 2020-11-05
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: Central Portfolio Control Inc. (AR)

1. Central Portfolio Control Inc. has twice violated law by not providing evidence of a material response and opportunity to validate my debt before reporting it to credit bureaus. No response in previous complaint filed here in a response to my previous disputes and screenshots submitted on XX/XX/XXXX in response to their XX/XX/XXXX letter. No response was provided within 30 days, and did not respond within 5 days of their investigation. They did not respond at all and only responded in this portal on XXXX. In a call on XXXX they did not deny receiving the responses in XXXX, but rather explained the DEBT HAD BEEN SENT TO THE CREDIT BUREAUS BEFORE THE DISPUTE LETTER WAS SENT TO ME AND THE REASON WHY IM SEEING IT NOW IS BECAUSE THEY TOOK SO LONG, and my response does not stop their ability to file the debt -- -not responding to the letters were not addressed, and I again note not provided in the XX/XX/XXXX complaint here in consumer finance.

2. Central Portfolio Inc. did not provide material evidence of a valid debt from an original medical facility. They provided a claim from an insurance company and some sort of payment information to another party. Neither of whom provided a medical service with no identifying information from a facility. Nor information of my signature receiving services from facility. In an XXXX phone call another facility other than who was provided was named and they were unable to provide a contact name or phone number to track the debt. They screened for identifying information they did not have and aggressively attempted to collect.
Consumer complaint received 2021-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANKMOBILE TECHNOLOGIES, INC (TN)

On XX/XX/2021, I opened a dispute with my bank for a transaction that was processed on XXXX the XXXX 2021. I never received any updates from them until I would call various times throughout the week. Whenever I would get them on the phone they would give me the same generic answer, their resolutions team was actively investigating. And I never received an email update until immediately after I had reached out to them on the phone. But the email was exactly the same each time as well. On XX/XX/XXXX and XX/XX/XXXX when I reached out to the resolutions team, they told me to keep reaching out to the merchant. Which I did. I even added her to a 3 way call with myself and the resolutions team agent, and when she told them the chargeback had been processed on their end, the agent didnt have anything to say. I have plenty of evidence to show that the goods I ordered were not delivered within the timeframe suggested and when I did receive a package, it was not what it was advertised to be. Which in turn, I promptly returned to the merchant. My bank has mishandled this from the beginning and denied my dispute, not once but twice. Even though I have sufficient evidence that XXXX  didnt send the package until after the dispute was filed, and I have sufficient evidence that her goods were returned and I have yet to receive my funds back. I also have screenshots of the merchant telling me that the funds were taken from her account, and that they have been released to my bank back in XXXX of this year. She sent screenshot proof of that as well.
Consumer complaint received 2021-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit has reported derogatory information on my credit reports, XXXX, XXXX + XXXX ... 

I have sent disputes to all bureaus and the creditor Midland Credit. They have failed to accurately validate any documents that I owe them any money for debts. I do not have an account with this company, Midland Credit. I do not have a contract with this creditor. 

The following account numbers are attached to this creditor : XXXX {$400.00} XXXX. {$500.00} XXXX {$2400.00} I do not have a contract with this creditor.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

For several months, I have disputed this creditor XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX XXXX XXXX  {$3000.00} I have sent letters to XXXX  and neither parties have responded to these disputes. 

I sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XXXX  about the Validation of this account. 

I am requesting for XXXX XXXX  XXXX XXXX XXXX  to delete this account off of my XXXX  report. It is not my debt and this creditor hasn't send any documents validating that this debt is mine.
Consumer complaint received 2022-01-12
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)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} XXXX XXXXXXXX {$1300.00}
Consumer complaint received 2021-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I've tried to get rid of PMI as the equity in the house has risen significantly. I've reached out to BOA, to remove it, but I was told that they will not remove it due to its loan value not surpassing the home value of when the loan was originated. I've asked them to send a appraiser to see current market value, but they have refused to do so. I've told them I will pay for it. They have also said that due the loan not being two years old, so they won't get rid of pmi. I did not find this clause on my closing documents. How are they changing the rules? 

Also there is no transparency in communication, I was told that I would recieve a letter about the decision, not once did I recieve a letter. I was also told that the letter will be visible online but it's not visible online. I believe they are doing this because they know they don't want this is writting.
Consumer complaint received 2018-02-12
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. (CA)

An unknown medical account appeared on my credit reports. I contacted all three credit reporting agencies with a notice of dispute dated XX/XX/XXXX. Both XXXX and XXXX  promptly removed the inaccurate entry from my credit reports and sent an updated copy. However, Experian said they verified the entry with XXXX XXXX and it was certified as accurate by them. I sent XXXX XXXX a dispute letter ( see attached ) via tracked priority mail they received the dispute on XX/XX/XXXX, proof of delivery is attached. I have had no response from XXXX XXXX and under credit reporting law the period for them to respond has elapsed. I sent Experian a letter, via tracked priority mail, along with a copy of the dispute letter that was sent to XXXX XXXX and informed Experian that no response was received from the company that supposedly certified the entry was accurate. Experian responded by placing a fraud alert on my credit report, this was never requested. Then in one day they sent back a letter saying they had investigated and once again the XXXX XXXX  certified the entry as being accurate on my credit report. Obviously Experian used the previous certification, if Experian ever even asked for one, of the entry as even the " provider of the information '' can not provide any backup information regarding this entry. Experian must feel it is less costly to not properly investigate the inaccurate entry on the credit report than to follow Federal Law stating that credit reports must be 100 % accurate and that unverifiable data must be removed.
Consumer complaint received 2022-04-29
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. (LA)

Sharing without concent : In accordance with the Fair Credit Reporting Act the following list of accounts below has violated my federally protected consumer rights of privacy and confidentiality : 15-U.S.C 1681 Sec. 602 A : States that I have a right to my privacy.

15-U.S.C 1681 Sec. 604 A : States that a consumer reporting agency can not furnish a account without my expressed written instructions.

( 3 separate accounts ) from XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-29
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. (LA)

Sharing without concent : In accordance with the Fair Credit Reporting Act the following list of accounts below has violated my federally protected consumer rights of privacy and confidentiality : 15-U.S.C 1681 Sec. 602 A : States that I have a right to my privacy.

15-U.S.C 1681 Sec. 604 A : States that a consumer reporting agency can not furnish a account without my expressed written instructions.

( 3 separate accounts ) from XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-08
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: Resurgent Capital Services L.P. (NY)

I have listed fraudulent accounts reporting on my credit report. I did not aplly nor utilize any of these accounts myself. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
Consumer complaint received 2022-04-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgence Legal Group, PC (IL)

I received a summons to report to court for a debt that was purchased from XXXX XXXX XXXX and spoke with a rude individual from a legal firm never sent a dispute letter and never served they filed a lien on case # XXXX XX/XX/2022 and the debt that is well over 7 years old. They sent a copy of this letter came from a law group Resurgence Legal Group located at XXXX XXXX XXXX XXXX XXXX in XXXX il. The Debt collector refused to let me speak with a supervisor concerning this refused to give his name and was just rude he literally hung up on me and sated he has filed a law using threatening language and he was uncooperative I told him that i would pay this because i did not want this on my credit after payment was made he refused a paid in full letter stating he will send it in 5-7 business days. I paid on line on there web site and the payment cleared and he still refused to send a receipt of payment and rudley hung up.
Consumer complaint received 2021-06-08
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: AMERICAN EXPRESS COMPANY (NY)

I have listed fraudulent accounts reporting on my credit report. I did not aplly nor utilize any of these accounts myself. 
1. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft AMEX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I reviewed my consumer reports and noticed that i had late payments on TWO accounts that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/XXXX ) through dates ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2022-04-29
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: SYNCHRONY FINANCIAL (GA)

In accordance to the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

SYNCB/GAP 15 U.S.C 1681 Section 602 A. States I have a 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 2020-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc. (OH)

I was reviewing my account and seen THE CBE GROUP # XXXX collection inserted on my credit report. I never received any information about this bill and never had a chance to dispute the information. This has impacted my credit report and score and I'm not very happy. They should be sue

d as they are i n violation of my rights and causing me issues. Please provide the Validation of Debt and Method of Verification for t his account. This does not make sense how companies are allowed to as such and effect you in negative way. I have no idea of what this account came from ... 

The dates do even make sense. Opened on XX/XX/XXXX, but opened on XX/XX/XXXX. That sounds a little backwards to me.
Consumer complaint received 2023-03-20
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION (IN)

On Tuesday, XX/XX/XXXX I walked into XXXX XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, Indiana inquiring about a XXXX XXXX XXXX. I was told I could be given financing options without affect to my credit score, hereinafter referred to as a credit soft-pull. I agreed to this credit soft-pull to mull my options only to find on the XXXX of that month that a hard pull on my credit had had been initiated by XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Credit Acceptance Corporation in XXXX, Michigan. The company, XXXX XXXX XXXX XXXX XXXX, through a representative, XXXX XXXX, and I exchanged messages as it tried to secure the sale on the XXXX. I made note of the hard-pull mistake and declined to do business with them in those messages. No effort has been made on their part to rectify this mistake.
Consumer complaint received 2022-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I am requesting the verification of a negative item, in pursuit to the Fair Debt Collections Practices Act, 15USC 1692 Sec.809 ( b ). You are required under the above named titled and section, to show your lawful authority to collected on an alleged debt claim ; I am requesting the following items : The name and address of the original creditor A copy of the original contract between myself and the original creditor.

The original application for this account with my signature.

A copy of the agreement authorizing your company to collected on their behalf of the original creditor.

FULL detailed accounting history on the account and the calculations on how they reached the amount owe.

Provide verification on any judgments connected to this account.

Provide your license to collect in my state and your registered agent name with their address.

Please show proof that the Statue of Limitations has not expired in my state for this account.

Provide the date of the last payment on this account. 
Please provide the answer to this request in writing within 30 days or I will be forced to take legal actions. 
Thank you for your cooperation, XXXX XXXX
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.