davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-15
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. (OH)

XXXX XXXX  | Account # XXXX | Balance : {$330.00} In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX  | Account # XXXX Balance : {$690.00} | In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX | Account # XXXX | Balance : {$290.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX | Account # XXXX | Balance : {$730.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX  | Account # XXXX | Balance : {$340.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (TX)

this to inform about a false derogatory mark on my credit history. The company receivable performance has added a derogatory mark saying that I owe {$720.00} to XXXX. However this is a false accusation, I do not owe anything to XXXX I paid this account in full in XX/XX/2016 and closed the account. Here is the further explanation below Receivable performance has never made an attempt to contact me either by phone, text, email, mail. Absolutely no communication at all. 

I closed my account with XXXX around early/mid 2016 after full payment was made. 

XXXX XXXX never communicated to me that a balance is due ( which I don't believe so ) despite having my email address, mailing address, and phone number. 

I went to T mobile stores multiple times during the week of XX/XX/XXXX to XX/XX/XXXX, to find out what is due on my account and an explanation of the charges, they do not have anything. They couldnt show me any evidence that I owe them money Account was closed 6 years ago and what were they doing for the last 6 years? No attempt to communicate this, no proof that my account has a pending balance. 

I need an explanation for why/what I owe them money? Why have they not reached out to me since 6 years?
Consumer complaint received 2020-09-10
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. (AL)

THIS IS MY THIRD AND FINAL DISPUTE FOR THESE ACCOUNTS. I CONTACTED THESE COMPANIES AND THEY PROMISED TO REMOVE THESE ACCOUNTS FROM MY CREDIT. THIS IS ALSO MY THIRD TIME REACHING OUT TO THE BUREAUS ABOUT REMOVING THESE ITEMS FROM MY CREDIT PROFILE. THESE INACCURATE ITEMS ARE IN VIOLATION BECUASE THEY ARE CAUSING ME A LOT OF DISTRESS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.
Consumer complaint received 2015-09-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

I have received a default/foreclosure notice from Ditech Financial for being {$32.00} off in a prior payment. Ditech has not provided any details in the reasons for the change in payment amount and when I called said that I could pay the {$32.00} only if I paid a {$12.00} surcharge.
Consumer complaint received 2022-02-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Hello Digit, LLC (NY)

After recently returning home from traveling, I got my mail only to find a XXXX debit card for an account I did not open. As a result, I determined someone must have fraudulently opened the account through XXXX in an attempt to get me to activate the card once I received it. Instead, I immediately reached out to XXXX, but as of yet have not been able to get a written confirmation from their support teams that the fraudulent account has been closed.
Consumer complaint received 2024-03-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (FL)

My Mortgage has beened transfered from orginal servicer " Right Path Servicing '' to " Rushmore Servicing ''. I tried to Create an online account for the new mortgager " Rushmore Servicing '' and my info failed to match, so I tried calling " Rushmore Servicing '' and continued getting automated system. im not able to speak with a REP. about my missing payment after my mortgage was transferred i only continue to recive automated phone calls to make a payment or electronic mail stating to login and make a payment which by the way i cant login.
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is a Lien indicated on my credit report. Case/Docket # XXXX NEW JERSEY {$22000.00} Date filed XX/XX/2015. There should be additional information listed indicating that there is a formal payment plan in place and I am paying as agreed.
Consumer complaint received 2015-06-09
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one cancelled my credit card blaming me for not sending my payments on time.which is not true. I 've be sending more than the minimum on time. a few times I complained because they claimed that I did not send my payment when I did and they did n't properly credit my account which they admitted in XXXX 2015 and promptly fixed with an apology. 
On XXXX XXXX, 2015 the same problem developed again. I spoke to their customer service and Fraud specialist. 
This time they blamed me and my bank even though I sent my payments electronically with more than the minimum amount and on time XXXX. I believe it is nothing more than excuse for incompetence and discrimination on their part because I spoke up. This was after I applied for and received their XXXX card in the mail and tried to activate it on XXXX/XXXX/15.
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

We are temporarily unable to complete this request. 
Please try again later. 

I am unable to retreive my credit report from Equifax. Was able to retrieve it before in the past. The Mortgage Loan Officer can not even retreive the credit score or report from Equifax. What is going on and why am I having this issue?
Consumer complaint received 2023-03-16
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: Bread Financial Holdings, Inc. (PA)

Purchase was made from merchant On XX/XX/XXXX Purchase was canceled the next day XX/XX/XXXX Called XXXX XXXX XXXX Comenity to dispute charge on XX/XX/XXXX Dispute was closed in XXXX without notification. 
I have made serval attempts with the merchant as well as the credit card company for a refund. 
Merchant has stated via email, a refund was requested and would be issued. It is a {$940.00} charge that still is showing on my card, and XXXX Comenity does not seem to want to assist in refunding the money back to my card.
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I.C. SYSTEM. INC has placed a collection on my credit report without following the laws such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX They have a collection for XXXX XXXX. They show it as Date last activity as unknown, opening in XXXX of XXXX but and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion XXXX XXXX XXXX XXXXXXXX ) XXXX I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.
Consumer complaint received 2023-03-16
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. (CT)

This is in accordance to the Fair Credit Reporting Act. XXXX account XXXX and XXXX XXXX XXXX account XXXX. 

15 USC 1681 602A I have a right to privacy.

15 USC 1681 604a sec 2 states consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX, XXXX L SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; DP OF EDUC XXXX DP OF EDUC XXXX XXXX XXXX  XXXX  XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX  XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX L SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (FL)

I sent {$450.00} on XX/XX/XXXX, to a friend on PayPal, and PayPal closed their account. I tried to request a refund, and PayPal said I would have to talk to the recipient, but the recipient 's account is closed, meaning they cant access their account for the refund. I contacted PayPal on XX/XX/XXXX. transaction ID : XXXX
Consumer complaint received 2023-03-16
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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (OK)

XXXX XXXX XXXX, improperly investigated my two Dispute. Both were from apartment complexs. That I could have not been living in at the same time. They didn't show me any documents stating I was in default with them both
Consumer complaint received 2024-03-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

On XX/XX/2024 I reached out to Fair Collections & Outsourcing INC. I informed that I was willing to pay the debt for deletion off my account. Although I never confirmed that I was accepting ownership of account, I wanted to pay for debt in full to have removed or all tenant and credit bureaus updated showing paid in full. This company has failed to do so.
Consumer complaint received 2022-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LOBEL FINANCIAL CORPORATION (CA)

XX/XX/2021 Lobel financing. I was paying them payments and one point. They continue to do a charge off even when i was paying. I recently been working on my credit so i asked them if i can settle pay and delete. We settled for XXXX. They continue to post a balance of XXXX. Ive lost a lot of points since then. It looks like they have put that balance to 0 but how do i get the lost points back? Also, its still showing, not deleted.
Consumer complaint received 2022-02-07
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (TN)

they billed us for the appraisal before we found out the excessive closing cost. we would have never have paid the appraisal had we found out the amount of closing cost. we were never late with payments and we were just refinancing to get a better rate and save dollars. we are both in our XXXX 's and we feel scammed out of appraisal fee of {$640.00} that we paid. We have been with Wells Fargo since our first payment and never been behind. You would think that they would give us the benefit of the doubt. This is just terrible and we are surprised that a company like them would do this.
Consumer complaint received 2022-02-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (IL)

XXXX / XXXX / {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX / XXXX / {$1300.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX  ) and before the end of the period referred to in paragraph ( XXXX ) ( XXXX  ).
Consumer complaint received 2022-02-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO. (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2015-05-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Main Street Personal Finance (OK)

I took out a high interest title loan with Approved Cash, XXXX XXXX XXXX XXXX, XXXX, OK ( XXXX ) XXXX. I was 1 month and 1 day late on my payment, but intended to get caught up on payday XXXX/XXXX/2015. On XXXX/XXXX/2015 in the middle of the night they repossessed my car without my knowledge. They want the full balance, and will not accept payments to get caught up. I have possessions in the car, including the tag, that they will not let me retrieve them without paying a fee. They also will not let me know where the car is located so that I can inspect it before the sale next week. 

I asked them what the procedure was for claiming any funds left over from the sale after the balance is paid, and they said that they are not allowed to sale the car for more than what is owed on the note. The car has a blue book value XXXX to XXXX times the amount owed. I have never heard of an auction that has a set top dollar price.
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TransferWise Ltd (MI)

I have opened a multicurrency account with the company called Wise On XX/XX/year>, the company decided to close my account without providing any reason for their decision ( seed Document XXXX attached ) I was asked to provide another bank account where they can refund the money that I had in my balance, what I did, After receiving all the requested information, Wise sent me an email in which they stated that my refund will take XXXX - XXXX business days to reach my provided account. 

it's been XXXX months, i still haven't received my refund amounted to about XXXX euro, or {$8200.00} even if I have already sent several emails to Wise. 

I'm contacting you so you can help me recover my money.
Consumer complaint received 2020-09-10
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, 2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2015-04-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

XXXX EXPERIANAccount has been paid in full by creditor, legally resolved with lawyers five years ago, I told this to the collection company, but they still put on my credit reports. 
Company XXXX Status CollectionsStatus Date XXXX $ XXXX Date N/AAddress XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX companies are buying old credit reports, and are phishing to collect. This should be illegal and companies should be held responsible. These companies should not be allowed to put any negative information on credit reports without a mediator.