davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (WI)

Mortgage company increased escrow amount for annual taxes. They made the mistake of increasing tax payment to state of WI by 50 %. XXXX taxes had been paid in full and we received a {$110.00} payment for escrow overages. 

XXXX 2nd phone call to let them know they made a mistake. Talked to XXXX the escalations manager Emailed them XXXX tax bill Was notified via email they would investigate. 10 biz days to investigate and would receive a letter in an additional 10 business days of their findings. No letter arrived. I emailed multiple times with no response. Talk to an agent on XX/XX/XXXX that I should hear something by the end of the week. Its now a full a week later and still no resolution. They are mismanaging money and my account.
Consumer complaint received 2021-07-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLIANT CREDIT UNION (CA)

Alliant Credit Union changed their program, eliminating the annual fee on their Visa cash rewards credit card. This was a great change! 

The problem is that they levied an annual fee, promising benefits for the next 12 months, and immediately changed the requirements. I have complied with the new requirements, but they have rebuffed my request for a pro-rated refund of the annual fee several times. 

My complaint is that they are not providing any benefits in return for the annual fee, thus it should be refunded. Pro-rating the refund makes logical sense, and it is much easier than staggering the start date of the new program according to consumers ' billing anniversary date. 

But at the end of the day, I paid for 12 months of benefits and only received 2 months worth. The annual fee of {$99.00} was paid on XX/XX/2021, and the letter announcing the new program was dated XX/XX/2021 and effective XX/XX/2021. Alliant Credit Union is not entitled to keep the entire annual fee if they are not honoring the terms.
Consumer complaint received 2021-11-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

My debit card have been stolen on XX/XX/XXXX middle of the night & a XXXX $ At XXXX & XXXX $ At XXXX Withdrawal out of my account and on XX/XX/XXXX a XXXX $ withdrawal at XXXX and a cgt debit transfer XXXX was transferred out my account, all my money was stolen from this male name XXXX XXXX on XXXX  when he came to meet my sister at my hotel XX/XX/XXXX going on XXXX when i realize my card was gone
Consumer complaint received 2021-05-04
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: TD BANK US HOLDING COMPANY (CA)

Someone tried to obtain a auto loan in my name without my consent or knowledge. I can not delete these fraudulent hard inquiries since the creditor can not remove them without an account. That does not make sense when the fraud was stopped before an account was secured. Now Im left with fraudulent hard inquiries. Please delete!
Consumer complaint received 2021-05-04
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CA)

Someone tried to obtain a auto loan in my name without my consent or knowledge. I can not delete these fraudulent hard inquiries since the creditor can not remove them without an account. That does not make sense when the fraud was stopped before an account was secured. Now Im left with fraudulent hard inquiries. Please delete!
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC (CA)

I recieved a collection notice dated XX/XX/2018 from Finex Group LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX This is the address and phone # on the notice. Regarding a {$1200.00} debt owed to a towing company. XXXX XXXX XXXX, inc. 
I have had no dealings with said company and no vehicles towed. Tried to call the number given, it was invalid, recording said I need to " unblock my phone ''. I have no block so I XXXX searched. Says company permanently closed. Had a different # XXXX XXXX XXXX. Same recording. May be a scam
Consumer complaint received 2020-09-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc. (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-11-30
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. (TX)

High Credit, Past due amount, date of last payment, last reported and payment history are not being reported factual and consistently between the three major bureaus. Account Name : XXXX XXXX I am requesting that this account not be updated and I am demanding that this account be permanently removed from my credit file. 

I have attached and highlighted the inaccurate reportings from each account that are reporting inconsistently between each bureau. AGAIN, I am not requesting an update on these accounts, I am demanding a deletion of this account and I am demanding that you not ignore my demand. 
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is to my understanding that you will recheck these items with the creditor who has posted them. I also understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TX)

THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED XXXX XXXX/ EXPERIAN AND NOE OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.
Consumer complaint received 2021-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

THIS ACCOUNT WAS INCLUDED IN A CHAPTER XXXX AND CONVERTED TO A CHAPTER XXXX. THE ACCOUNT WAS REMOVED AT ONE TIME FROM MY CREDIT FILE AND THEN IT SHOWED BACK UP FROMWHAT I AM ASSUMING IS A 3RD PARTY THAT PURCHASED THE LOAN FROM REGION FINANCE AND THEY ADDED BACK TO MY CREDIT FILE TO TRY AN COLLECT ON THE ACCOUNT. I HAVE NOTIFIED TRANSUNION/ XXXX/ XXXX AND NOE OF THEM WILL ASSIST WITH INVESTIGATING OF REMOVING THE ACCOUNT FROM MY CREDIT FILE. THE ACCOUNT BALANCE CONTINUES TO INCREASE WITH INTEREST ON A MONTHLY BASIS SO I AM ASSUMING THE ACCOUNT WAS SOLD TO A 3RD PARTY THAT IS TRYING TO MAKE MORE MONEY OFF OF THE LOAN THAT IS NO LONGER COLLECTIBLE DUE TO BANKRUPTCY.
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-07-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc (NV)

XX/XX/2021 - reviewed credit report with Collection from PlusFour Inc. Attempting to collect for XXXX XXXX Solutions. 
XX/XX/2021 - Disputed this account with all XXXX bureaus and asked form them to provide documentation on where the balance derived from and proper validation XX/XX/2021 - Plus Four verified item with all XXXX bureaus and was attempting to collect interest on the medical debt which was not authorized. Pursuant to XXXX. XXXX Nevada debt collection laws prohibit collection agencies from engaging in the following actions : Collecting, or attempting to collect, any interest, charge, fee, or expense incidental to the principal debt. 
XX/XX/2021 - Disputed item again with all 3 bureaus and PlusFour. They verified the information reporting was accurate despite them attempting to collect an amount they legally can not collect. 
To date they continue to confirm and verify the information they are reporting is accurate despite multiple attempts for them to report accurately and collect the accurate amount.
Consumer complaint received 2021-02-01
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. (GA)

I recently starting using the XXXX  app and one I got a copy of my credit report, I instantly noticed an inaccurate address in which I have never lived at and inquiries misreported inquiries for credit that I don't recognize on all 3 ( XXXX, Equifax, XXXX  ) of my credit reports. I wrote dispute letters to all three and its been past 30 days since, I mailed to Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX. I have gotten no response from the credit bureaus and I have been having trouble getting in contact over the phone. I am looking to build my credit so i can qualify for Housing and this scenario doesn't help. 

XXXX  Wrong Address - XXXX XXXX XXXX  XXXX, Ga XXXX Correct Address - XXXX XXXX XXXX XXXX, XXXX, Ga XXXX 1. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 2. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX XXXX 4. 
Account Name : XXXX XXXX  XXXX. 
Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX - Non Specific Equifax 1. 
Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX 2. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX Credit Card 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX 4. 
Account Name : XXXX Date Filed : XXXX Type of Account : XXXX Credit Card 5. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX  1. 
Account Name : XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  2. 
Account Name XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 3. 
Account Name : XXXX XXXX  Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 4. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 5. 
Account Name : XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  6. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX  I attached the letters I sent to the credit agencies,
Consumer complaint received 2022-04-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

Creditor : Best Buy Credit Card Services To whom it may concern : This bill was paid off using two cash payments inside the XXXX, XXXX XXXX, at the front register. I made a payment of {$150.00} on XX/XX/XXXX and the second payment of {$170.00}, was paid on XX/XX/XXXX. I contacted customer service via the in store telephone to receive the final payment amount. This call was placed directly in front of the employee which received the payment. I requested a paid in full letter and this information be reported to the all credit bureaus. The phone representative stated the paid off letter would be mailed. In XXXX, in lieu of a letter stating the bill was paid in full, I received an invoice of {$40.00} which was a late fee. Every month after I continued to receive a late fee. To date the bill is {$140.00} which are all late fees. In XXXX, I wrote the merchant requesting they correct this error and send me a paid off letter. The merchant has not corrected their error and receipts which showed paid off was attached. The last representative I spoken to stated they received my written correspondence but did not received the two receipts that were stapled to the letter; Please investigate and research this matter as this was the first time that I have incurred such inaccuraties, in the year XXXX, and repeated blatant lack of service. By their telephone representatives. They would asked for three pieces of personal information and then transfer me to two more phone representatives who would ask the same information than state they could not help me and/or they could not find the documents submitted. Please investigate and correspond as I feel like their was possible fraudulent activities that were being committed. I can be reached via email at XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX. 
Please review my telephone conversations as they stated that I was on a recorded line.
Consumer complaint received 2021-05-04
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I am becoming more and more frustrated. I understand that mistakes happen. Nevertheless after repeatedly communicating with you company that the information that your company has been reporting is inaccurate I would like to think that you all would act fast to resolve the issue. Especially since this is a violation of ( 15 USC 1692e ), which states that ( 2 ) the false representation of ( A ) the character, is illegal! This is also a violation of ( 15 USC 1692d ) 1. ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, REPUTATION, or property of any person. By reporting inaccurate items on my credit report you are tarnishing my reputation which I will not allow even if I have to seek litigation. Also this is clearly defamation of character! 
Which I remind is you will not be difficult to prove in a court of law. 
1. I can prove the information being reported is invalid 2. I can identify your company as being the one who made the false statement XXXX copy of your report is easy evidence ) 3. I also can prove that this was reckless and was a knowingly made action ( I have evidence that I have contacted you guys about the error and know actions have been taken ) 4.The statement was published ( once again my copy of your reports can be used as evidence for this ) 5. The false statement harmed me XXXX I have proof of the denial letters that have occurred because of your misleading information being provided on my credit report ). 

Also let me remind you that the banking system relies on the accuracy and fairness of credit reporting! According to FAIR CREDIT REPORTING ACT 15 USC 1681! 

In case you did not know Civil Liability ( REMEDY ) ( 15 USC 1692k ) states that I can receive compensation for each violation! 
So please resolve this ASAP or I will seek litigation!
Consumer complaint received 2021-09-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (SC)

I am a victim of identity theft and there are some addresses reporting that I never lived and a job that I have never worked. I am extremely concerned because I believe the person who is using my information is someone I trusted in the past who is now doing a lot of damage to my credit report. 

Attached to this letter is a copy of my identity theft affidavit with a thorough explanation of how I believe these inaccurate information got placed on my credit report as well as the original letter I sent to the credit bureau 's back on XX/XX/2021 which I did not receive a response.
Consumer complaint received 2020-09-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

XXXX XXXX is negatively reporting to TransUnion and XXXX from an account that is 14 years old and was also included in my chapter XXXX bankruptcy that was filed XX/XX/2013. I know my bankruptcy is going to show for 10 years but XXXX is not allowed to negatively report separately from that. Also that old XXXX account is 14 years old and they are only allowed to negatively report for seven years in Oregon. I have disputed it over and over again and all they did was add some comments next negative reporting. By law this old XXXX account is supposed to be deleted but most importantly I am already getting negative reporting for the chapter XXXX bankruptcy which XXXX XXXX was included in in 2013 but they are reporting separately from that as well, which is hurting my credit twice for the same thing.
Consumer complaint received 2020-01-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc. ()

My Coinbase account was restricted with unknown reason but they hold my funds.This company is scam.Even if when we deliver our problems, they take us for granted.without answering even in five months. 
Username : XXXX Email : XXXX XXXX
Consumer complaint received 2020-09-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (AR)

I had a debt with XXXX XXXX from XXXX. They sent the collection to XXXX XXXX. I paid the debt to them in XX/XX/XXXX. They sent me a letter confirming collection was paid. I also asked them to remove and they removed the debt collection. Now a Credence Resource Management company is  trying to collect XXXX for XXXX XXXX. I do not and have not had direct tv. I have never heard of this company and I don't have any letters from them. However, they have significantly impacted my credit score with putting this already paid collection back on my account.
Consumer complaint received 2022-04-27
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. (VA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXXXXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}
Consumer complaint received 2020-11-23
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. (ID)

I am a victim of identity theft. I have attached a redacted police report ( eliminating photos and text because of the size of the file exceeding 10mg ). I am asking the government to please review the information, and if needed, I can provided an original company via mail of the complete police report conducted by XXXX  Police Department.
Consumer complaint received 2022-04-27
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. (VA)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance : {$240.00}