davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (AZ)

After submitting multiple disputes to the credit bureaus asking them to validate the details, they informed me that all the details have been verified. However, I am skeptical if a proper investigation was conducted in accordance with the FCRA 15 USC 1681, which requires all reported information to be 100 % accurate or deleted. I have highlighted the code as follows : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re investigation ; To support my claim, I have obtained my credit reports from all three bureaus and attached photos highlighting inconsistencies. These include incorrect last dates updated, unmatched balances, and inaccurate payment history. This is a clear violation of the law as all the reports show inaccurate information but are still listed on my report. Additionally, proof of dispute is in the comments of the photos attached. The XXXX XXXX XXXX account ( XXXX ) is the subject of these discrepancies.
Consumer complaint received 2016-08-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (TX)

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft.
Consumer complaint received 2016-09-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (VA)

My mother is XXXX soon to be XXXX. She needed help with her answering machine ( she did n't know how to get the messages off ). Within a 3 to 4 day period She had 24 messages and 21 of them was a recorded message from Trans World Systems, Inc " this is an attempt to collect a debt ''. They left a number to call # XXXX I have called multiple times and always get a recording " the person at extension XXXX is unavailable leave your number ''. 
This is crazy to call anyone this many times. My mother does n't owe anyone. How can we get them to stop?? 
Thank you so much and have a nice day!
Consumer complaint received 2016-10-15
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: SYNCHRONY FINANCIAL (NY)

I am in the process of filing bankruptcy and thereby, collecting information for my lawyer. 
In XXXX XXXX, I had a PC Richard Credit Card from GE Capital consumer Card Company. They have informed me that the statute of limitations has run out. However, XXXX XXXX has been calling me endlessly to collect on this debt, including on a Sunday evening. GE Capital Consumer Card Company changed its name to Synchrony Financial in XXXX to reduce its exposure to the finance business. XXXX XXXX initiated a series of moves to separate this area of the company. That included the Synchrony Financial spinoff and renaming. I am reading on a consumer website that many unaware customers have had trouble contacting Synchrony Financial and thereby incurring interest/late fee 's and having their credit destroyed by this company as my credit was destroyed by this company. 
Please look into this company and I thank you for your time.
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

XXXX issue with my citi credit card account!. I filed online on XXXX/XXXX/15 for an electronic payment to be posted to my account of Friday XXXX/XXXX/15. Citi debited it from my account on XXXX/XXXX/15 which caused an overdraft. Then when the payment was processed from my bank on XXXX/XXXX/15, CITI says they have posted the payment to my account but it is still not available on my line of credit as of XXXX/XXXX/XXXX. I have an unauthorized recurring charge from XXXX NY a dating service which i unsubscribed to several weeks ago. Since then CITI has authoriized XXXX charges of {$49.00} to the merchant and not only will they not refund they stated they can not suspend/discontinue any further payments to the vendor even thoughI have reported it as fraudulent
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Solomon and Solomon, P.C. (CT)

Firstly, I never received any form of notice about this supposed debt in order to dispute. I only became aware of this debt by pulling my credit report. Since then, I 've been disputing online to no avail. Currently, the credit bureaus have prohibited me from disputing any further. After doing more research I began to request Validation from both the collector and the reporting agencies. After several attempts, XXXX, XXXX, and XXXX XXXX XXXX continue to verify this debt without proper validation. XXXX XXXX XXXX has only responded to me once out of the three times I directly requested validation from them with a voided contract that does not include them by any means. I 've told them they have no right to substitute anyone or entity that was not on the original contract. I have never agreed to do business with them nor required any of their services. They have yet to provide a valid contract that displays equal risk and full disclosure in order for them to say that any debt is valid and due to them. Also, XXXX and XXXX continue to ignore all my requests and fail to submit any proof of how they keep verifying this debt. Even while this account was in dispute, they continue to reflect non payment monthly on my report. It is to my knowledge that once an account is in dispute, no information regarding this account should be furnished. I am suffering from the erroneous information they keep posting to my account without providing any validation. This account is preventing me from establishing lines of credits and loans. It is a complete injustice.
Consumer complaint received 2022-09-06
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: National Credit Adjusters, LLC (NV)

In accordance with the Fair Credit Reporting act XXXX the account has Violated my Rights 15 U.S.C 1681 section 604 A section 2 : It also states that a consumer agency can not furnish a account without my written instructions.
Consumer complaint received 2023-04-13
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. (AL)

The credit bureau violated my privacy rights and allowed erroneous inquires to be reported on my credit file at the credit bureau without my permission!! According to 15 U.S.C. 1681, 15 U.S.C. 1681 i ( a ), 15 U.S.C. 1681 Sec. 602 A and 15 U.S.C. 1681 A Sec. 2, I have the right to privacy and these Federal Laws state that a consumer reporting agency can not furnish any account without my written permission and I HAVE NOT given this credit bureau permission to furnish this information on my credit report. They have violated my credit reporting rights. And, furthermore, 15 U.S.C. 1681 s - 2 ( A ) ( 1 ) ( f ) states a person should not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate, which it is.
Consumer complaint received 2024-01-27
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: Experian Information Solutions Inc. (FL)

I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report, specifically reported by Experian. On XX/XX/XXXX, I initiated contact with Experian regarding discrepancies in the reporting of certain accounts. Unfortunately, despite the passage of time, I have not received a response from Experian. As a consumer, I believe that Experian has a responsibility to adhere to federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 
The following details the inaccurate information on my credit report and the necessary corrections : XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2300.00} ) : The reported Balance of {$2300.00} is disputed as I recall the amount being lower. 
Kindly delete the Past Due amount, as this account is closed and charged-off. 
Requesting the account to be marked as disputed to prevent further impact on my credit score. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1900.00} ) : The reported Balance of {$1900.00} is higher than my recollection. 
Since the account is reported as closed, please refrain from providing a Past Due amount. 
Requesting the account to be marked as disputed to facilitate resolution with the creditor. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : The reported Balance of {$410.00} is disputed, and I question its accuracy. 
Delete the Past Due amount as the account is closed and charged-off. 
Requesting the account to be marked as disputed to prevent further negative impact on my credit score.

Additionally, verify the Date Opened, Date of Status, and First Reported for this account. 

XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4400.00} ) : The reported Balance of {$4400.00} is believed to be inaccurate. 
Since the account is closed and charged-off, please refrain from presenting a Past Due amount. 
Requesting the account to be marked as disputed to protect my credit standing. 
Additionally, verify the Date Opened, Date of Status, and First Reported for this account.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma (IN)

In XX/XX/2022 Credit Karma sent me several pre-approved credit card offers. Two were for an XXXX credit card and one was for a XXXX XXXX card. I was denied after applying which is on my credit report and hurt my score.
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

My mortgage servicer, Ditech is doing dual tracking. They have started foreclosure proceedings while still evaluating me for a loan modification. In addition, they started foreclosure proceedings after I turned in all the paperwork and was waiting for a response to my loan modification. They then stated that I had not turned in the appropriate paperwork and then asked for paperwork I had previously submitted. Then they sent back XXXX because it was missing a date two months after I had submitted it and without anybody ever advising me that it was not filled out correctly.
Consumer complaint received 2017-05-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

A transaction was started wi th Western Union o n  X/XX/2017   .   I paid the extra money so that it could be ready in minutes. A total of {$100.00} was taken out of my bank account. The money never arrived, they contacted me that the transaction was " under review ''. I called the next day to tell them that I needed my money back because I needed the money transfer " in minutes '' as they promised and I had to find another way to transfer the money to my family. They refused stating that I needed to send an ID. I do not feel comfortable sending my government ID via email, and told them that I just want the money placed back into my account where they took it and I did n't understand why my money was on hold if there transaction was no longer required. They refused to give my money back. I feel like they are holding my money as ransom and are trying to obligate me to send a copy of my government ID for a transaction that I no longer need since they are not able to send my money " in minutes '' as they promised. I understand that they must do certain things for security of the customers but I do n't understand why money is being held at ransom if I no longer want to do the transaction and I do not want to send a copy of my ID. I simply wanted the money placed back from they took it. I attempted to call customer service and they manager was very rude.
Consumer complaint received 2016-04-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) Transunion is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.
Consumer complaint received 2021-01-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (NJ)

We closed on a refinance mortgage with Amerisave Mortgage in XX/XX/XXXX, for our primary residence. Amerisave is suppose to pay the property taxes out of escrow, per the terms of the mortgage. We have made all our payments on time. As you will see from the attached documents, we received a tax delinquency notice from our municipality on XX/XX/XXXX. I called Amerisave and asked them to fix this, and to pay the interest due to the municipality. I sent Amerisave a follow up email with a copy of the delinquency notice. 

On XX/XX/XXXX I received a tax refund check from Amerisave 's Title Company for {$8400.00}. Taxes at that time were still not paid. I contacted Amerisave again and asked them to take care of the property taxes and to advise me what I should do with the {$8400.00} tax refund, i.e. do I need to return it to escrow? ( see attached emails ). 

On XX/XX/XXXX I sent a follow up email to Amerisave to see what the status is ( see attached ). To date, no response. Our municipality advised if this is not taken care of they will put a tax lien on the property. We have been paying the monthly mortgage ; it is Amerisave 's responsibility to pay the tax - and interest for failing to do so.
Consumer complaint received 2016-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc. (GA)

I set up a verbal payment arrangement to pay off my amount owed. I started making payments but due to my financial situation i missed one payment. I still had full intentions on pickubg back up my payments the following pay period i explained this to my account rep and told him you do not need to continue to call me every day about my debt i will make the payment asap. He still continued to call me then told me he is jusy going to put refusal to pay on my account and i need to honor my word. I called and askwd to speak to his supervisor left him a message and havent heard anything.
Consumer complaint received 2022-09-06
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. (CT)

On the date of XXXX XXXX XXXX, this company caused damage to my credit reports by reporting this account. 
XXXX. XXXX, XXXX XXXX XXXX XXXX. 
XXXX XXXX, MN. XXXX Account # XXXX Amount : {$5700.00} XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2023-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (WA)

Regarding Comenity - XXXXXXXX XXXX XXXX My previous balance was {$780.00}. I used online banking to send a check for {$780.00} which my bank verified posted XX/XX/23. It was not credited to my account. Comenity says I have a one time option to wave the late fee, but refuse to remove the interest on the balance due even though I paid in full. If I dispute it with my bank, it will be 10 business days to return the money to my account. At which point, if I send a new check, it will be late for the next billing cycle. Remember, I can only have ONE late fee removed, thus, they will get the fee one way or another. I really have no accurate way to determine how to pay the next month in full to avoid interest. I was able to scrape together a partial payment of {$190.00} and sent it on XX/XX/23 with bank estimating arrival on XX/XX/23. However, Im showing {$46.00} interest and {$30.00} late fee which is what I am disputing. 
Needless to say, I will be cutting up this card and closing this account as soon as I can get this resolved.
Consumer complaint received 2022-02-14
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: ID Analytics, Inc. (PA)

It has come to my attention that XXXX vision has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX  vision Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX vision takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Consumer complaint received 2022-09-06
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

I took out a loan with LoanMe in 2018 for XXXX or XXXX XXXX dollars - i can't remember now, was paying XXXX a month to them and started struggling to make the payment and did default on making the payments after 2 years. I did initially contacted them and they lowered it for a few months, but when it went back to to the XXXX i stopped making the payments. I guess they reached out via email/mail but i do not recall getting anything. My complaint is that they are now calling family members and have probably called my work place too ( i haven't heard anything from them yet ) I don't even know how they got family members phone numbers and they are going to put a lien on my house they said. I will be trying to get the money together for the amount they said they would settle for XXXX dollars. I just don't want them calling anyone else.
Consumer complaint received 2023-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have business account with XXXX and Experian after 7 years of being open, they decided to give my business a credit score using my personal credit score. The problem is the personal credit score is WRONG. EXPERIAN knowingly replace my credit report with some made up information. I have one physical copy of my credit report and I also have a copy of the credit report they presented to XXXX which produced a low 500 score. I also have XXXX XXXX XXXX XXXX and they using transunion. After contacting transunion, they decided to dispute all accounts on behalf which was 3 that was giving me a negative score. Including a balance of XXXX that pop up on my credit with XXXX XXXX, that no one knows where it came from. XXXX, says not theirs and they can't even see the balance. 
XXXX XXXX says they didn't do it and don't know why its their. Yet, its still their. I'm finding XXXX has me down for XXXX score. Why, I have no ideal, but I haven't added any other accounts to my XXXX XXXX. I know I shouldn't be in no 5 or 6 anything. I'm sending my screenshots as proof.
Consumer complaint received 2024-02-16
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. (FL)

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (TX)

Citi Mortgage reported my mortgage payments late to the credit bureaus while I was making my trial payments after I was told they would n't. Here are the late payment payments I am disputing and I also I have my bank statements showing when the drafts took place if needed as evidence. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I called there client support on several occasions kindly request a correction but never received a resolution on getting my late payment removed.