davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A. (CA)

On XX/XX/2022 and XX/XX/2022, {XXXX} was withdrawn each day for a total of {XXXX}. I visited my bank 's branch office for information regarding these unauthorized withdrawals from my checking account. I was assured that the bank would get back to me to provide information concerning these withdrawals. My checking account was blocked by the bank, and they subsequently opened a new account. I was telephoned two weeks prior by the bank 's fraud department to advise me that my account appeared to have been compromised. They asked if I had authorized payments from North Carolina, and New York. They further told me that someone had completed monthly automatic deductions to pay for a TV entertainment subscription. Realizing that the bank had not discharged its custodial responsibilities to authenticate authorization caused me much alarm. 
In response to my trip to my bank branch, I received a letter from the bank dated XX/XX/2022 which was supposed to detail what transpired to permit unauthorized withdrawals from my account. They wrote " After reviewing all relevant elements internal records and the information that you provided us, we have concluded that there are elements of your claim that lack credibility. Given the results of our investigation, we believe that the transactions that comprise your claim must be considered authorized and, as a result, we are unable to honor it ''. 
This generic copy and paste response from the bank does not address any of my questions or the bank 's negligence in securing proper authorization prior to transactions. There is no evidence that supports the bank 's justification or conclusions. justification. I did not personally provide any information directly to the bank 's fraud department. The information the bank received was telephoned in directly by my branch personnel. The bank 's conclusions could not be the result of any information I gave, as all the information submitted was given by phone by the branch employee. The purpose of my trip to the branch was to obtain the details of the so-called elements that the bank infers.
Consumer complaint received 2020-12-03
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. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XX/XX/XXXX
Consumer complaint received 2021-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have paid on time for the last 5 years and it appears that regardless of what I do my credit score never gets better, which causes me problems when trying to refinance my home and obtain better rates. I'm inclined to believe that the three credit bureaus knows nationality based on names. I think as a consumer this should be investigated. Minorities do not and will not get the same treatment as our counterparts if we as a country don't look into matters that appear to be fair from looking from outside, but internally the bureaus have underlining agendas that we will never understand. Please take a look into these matters to make sure we are all treated equally as consumers. Credit suppression seems to also exist in this country as well.
Consumer complaint received 2020-01-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (CT)

Paypal has been charging XXXX  sellers for cancelled transactions since last year ; so when a buyer cancels on a paid transaction the seller loses the 2.9 % plus the XXXX fees. 

One example : XXXX payment received from XXXX XX/XX/2020 at XXXX XXXX PSTTransaction ID : XXXX Payment Status : REFUNDED Payment Type : Checkout Gross amount {$180.00} USD Payment details Purchase Total {$170.00} USD Sales Tax {$10.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$180.00} USD PayPal Fee- {$5.00} USD Tax collected by XXXX- {$10.00} USD Net Amount {$160.00} USD Transaction ID : XXXX Also the seller has to pay extra on transactions in XXXX when the payment is out of the US -- why should that be the seller 's problem??

Example : Purchase Total {$85.00} USD Sales Tax {$0.00} USD Shipping Amount {$0.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Gross Amount {$85.00} USD PayPal Fee- {$4.00} USD Net Amount {$80.00} USD Transaction ID : XXXX
Consumer complaint received 2022-02-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I called XXXX XXXX and explained that someone created an inquiry on XXXX XX/XX/2021 on my Transunion credit report. i talked to a lady and we agree it was fraudulent and would contact TransUnion to be removed this was back in XXXX and the inquiry is still on my credit causing me hardship from being able to buy a house or start a business. i sent many responses and still haven't received anything Transunion refuse to help as well
Consumer complaint received 2021-06-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

My XXXX  was reporting a XXXX  XXXX  collection account in the amount of {$620.00}, Now MIDLAND CREDIT MANAGEMENT,XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX is reporting {$820.00} on my updated XXXX  credit report. Two things this account is fraudulent which i explained to Midland credit Management who then notice me that another company which is XXXX XXXX who told me today XX/XX/2021 that they did indeed returned the Debt of {$820.00} back to Midland Credit Management yesterday XX/XX/2021. The second thing is When the debt first reported with XXXX  the debt was {$620.00}, so i wanted to find out how the debt went from {$620.00} to {$820.00} and no one can tell me how the balance changed, no documents nothing
Consumer complaint received 2020-12-03
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. (CA)

Experian Credit Bureau doesn't remove inquiries after two years on your report unless you actually call them. They will not dispute inquiries you do not recognize. I was told that you could not dispute inquiries because there's an item on the report related to that inquiry which they label " quality control ''. Their employees are anonymous so you have no way of reporting them. Useless report XXXX. They change your FICO score at whim. To improve your credit they want access to your bank account and all transactions. I have a screenshot that appeared while on the Experian page. The screenshot has the XXXX emblem and reads verbatim : " What Experian wants to know. 
Balances, transactions and rewards Account names, types and other details Contact info '' This is very worrisome. Experian wants access to your private financial life and how and to whom you disburse your money. 

Why can they be regulated instead of running amok with your lives?
Consumer complaint received 2021-10-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: HYUNDAI CAPITAL AMERICA (OH)

Please see attached documentation to Hyundai. In summary, I paid for a lease in full when first receiving the vehicle, therefore I had zero payments for 3 years. When I turned in the vehicle, the representative said that I did NOT owe anything else. Then, 9 months later, I received a letter from Hyundai saying that I owed a turn-in fee because I did not get a new Hyundai when turning in the lease. I promptly contacted Hyundai and explained that I was not offered that option, but more importantly, the fee was already paid and clearly itemized on the initial lease agreement. They refused to acknowledge this, so I asked to speak to a supervisor to further resolve the issue- the representative refused to allow me to speak to a supervisor. Therefore, as a last option to clear the record, I submitted a dispute through the credit reporting agencies. They simply asked Hyundai to confirm the accuracy, as they of course did. So the credit agencies did not take any further action and allowed Hyundai to continue adding derogatory remarks to my credit file. 

I have decades of immaculate credit history with zero blemishes aside from this one. So this is not a case of the consumer making excuses- I am very good with credit. This is an issue of a company taking advantage of the consumer, and I suspect it is to squeeze more money out of the consumer to help Hyundai through the losses experienced during the pandemic. 

But perhaps the biggest crime here is that the credit agencies only take the word of the creditor and give no consideration to my word ( backed-up with a clean XXXX credit score ) and a lease agreement as documentation. As a consumer, I am helpless against Hyundai destroying my credit score. This is causing me damage when trying to refinance my home at a lower rate and also secure financing for my XXXX.
Consumer complaint received 2020-12-03
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: Experian Information Solutions Inc. (CA)

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.
Consumer complaint received 2021-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Newman & Marquez, P.A. (FL)

I, XXXX XXXX, am a consumer as defined under 15 USC 1692a ( 3 ) any natural person allegedly obligated to pay any debt. NEWMAN & MARQUEZ , P.A . violated 15 USC 1692e ( 1 ) the third party debt collector is vouched for, bonded by, or affiliated with the United States or any State. On XX/XX/21 NEWMAN & MARQUEZ , P.A . violated 15 USC 1692e ( 3 ) when a communication was sent by the attorney to the consumer. In the communication NEWMAN & MARQUEZ , P.A . used profane and obscene language also violating 15 USC 1692d ( 2 ). I have proof that NEWMAN & MARQUEZ , P.A . violated 15 USC 1692f ( 8 ).
Consumer complaint received 2020-06-04
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ralis Services Corporation (CA)

I called Owning Corporation at XXXX XXXX XXXX XXXX on Wednesday, XX/XX/20 to inquire about a 30yr cash-out refinance. Phone conversation took place at XXXX PST for 3 minutes with an agent named XXXX . He asked me basic loan questions but the conversation didnt last long. When I stated my husband was self employed, XXXX told me ( not verbatim ) that due to everything happening with COVID, they were not accepting self employed applicants. He asked me if my husband owned 25 % + of the company, I answered yes. He then repeated what he said before and said they are only looking at applicants with W-2s. XXXX said he wasnt sure when they would open up to all. It could be a week from now or longer but said he would call me. The phone call ended with no interest rate quote or loan application. 
Im filing this complaint because Owning Corporation violated ECOA. We were not given an opportunity to apply for a refinance. We were blatantly discriminated against due to my husbands self employed status. We were prematurely turned away only because of his employment status.
Consumer complaint received 2021-05-01
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. (FL)

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 stress 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 2020-06-04
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2022-04-26
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. (KY)

This is my second attempt to remove these fraudulent accounts from my credit reports. My first attempt was sent back to me by the CFPB stating it wasn't me submitting it. This is me!!! XXXX XXXX, so please forward my complaint to the CRA 's!!
Consumer complaint received 2020-06-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp. (CA)

XX/XX/2020: I attempted a payment for rent in the amount of {$5000.00}. This payment is facilitated by a third party, XXXX XXXX. 
XX/XX/2020 : The payment fails to complete. 
XX/XX/2020 : I receive an email from TrueAccord notifying me of a debt. 
XX/XX/2020 : I pay the debt in full directly to XXXX XXXX. 
XX/XX/2020 : I reply to the XXXX email, disputing the debt as settled directly with XXXX XXXX. 
XX/XX/2020 : TrueAccord responds with proof of debt which predates the payment to XXXX. I reply and dispute again. 
XX/XX/2020 : TrueAccord responds with proof of debt which predates the payment to XXXX. I reply and dispute again, then file this complaint. 

In my view, this violates 15 U.S.C. 1692g ( b ), which requires verification of disputed debts. 

Company information : XXXX XXXX. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX TrueAccord XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX XXXX
Consumer complaint received 2020-12-03
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (NV)

To whom this may concern. I am a victim of identity theft in which someone has used my identity to open this account with AD ASTRA RECOVERY SERVICE. I have made efforts to remove this account in the amount of {$1400.00} that does not belong to me. This account was fraudulently opened through this company AD ASTRA RECOVERY SERVICE in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2020-06-04
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$10000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated onXX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account.
Consumer complaint received 2020-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WA)

I have sent numerous letters with no response requesting investigations and verifications of information on my credit report. This bureau has ignored my requests on the following occasions : Letters sent dated : XX/XX/2020, XX/XX/2020, XX/XX/2020, including a complaint warning letter dated XX/XX/2020. 

I have been more than generous with allowing the bureau more time than allowed by law to investigate and update my credit reports, but these incorrect accounts listed below have been negatively affecting my credit and I have had no luck in them doing what is right to fix this. The items listed below have been disputed with no response for over 6 months. This is ridiculous. 

1. Validate Account Chapter XXXX Bankruptcy Case Number : XXXX Please supply information on how you have verified this item. 

2. This Account was not 30 days late. 
XX/XX/XXXX Account Number : XXXX Please supply information on how you have verified this item. 

3. This Account was not 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

4. This account was never 30 days late. 
XXXX Account Number : XXXX Please supply information on how you have verified this item. 

5. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item. 

6. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item. 

7. Validate Account XXXX Account Number : XXXX Please supply information on how you have verified this item.
Consumer complaint received 2020-01-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (PA)

I closed on my loan with XXXX in XX/XX/XXXX. The loan was recently transferred to Mr. Cooper based in Texas. My payments for the entire XX/XX/XXXX were {$1800.00}. Once the loan was transferred to this new " Mr. Cooper '' company, I received two statements from them. One in the amount of the {$1800.00} payment that was what I was paying while with XXXX and another in the amount of {$2000.00}. I contacted the company on numerous occasions, along with emails seeking answers. There was no documentation stating why the amount increased. I spoke to three separate representatives on three different occasions and not one could tell my why the amount of my mortgage increased. I was told they would investigate and call me back, however all I received was an automated call from Mr. Cooper stating I owed {$2000.00} ( which is once again different then the previously mentioned amounts ). I once again called this morning, XX/XX/XXXX, and spoke with a XXXX who was of no help ... I told her I will not be paying my mortgage until I have a clear explanation as to why the amount increased and she told me " I will document you will not be paying. '' I have never dealt with a more disorganized group of people. I work in banking and have been in mortgages for the better part of 15 years, the way they handle their customers is absolutely atrocious.