davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc (AZ)

I signed up with XXXX XXXX at XXXX XXXX in XX/XX/XXXX for a bi-weekly fee of {$25.00}. 

In XX/XX/XXXX, I submitted my verbal request to not renew my membership to an employee by the name of XXXX. XXXX assured me that my membership will not be renewed, however this was all verbal. 

I came to find that I was still being charged in XX/XX/XXXX. I disputed the charges and when I spoke with the general manager of the gym XXXX, he denied ever receiving the request to not renew the membership. He informed me that I still owed the XX/XX/XXXX charges and that I would need to submit a written cancellation with a one month notice. 

On XX/XX/XXXX, I paid the two charges that I Disputed earlier in XXXX as well as the next two weeks for a grand total of {$75.00}. 
( proof of payment attached, " XXXX CC Statement '' ) On XX/XX/XXXX I also submitted a written cancellation with month 's notice that was signed and received by XXXX from XXXX XXXX ( attached, " XXXX Cancellation Form XXXX '' ). 
Proof of receipt of cancellation on XX/XX/XXXX is attached as the cancellation form was emailed to me by the XXXX XXXX email address ( attached, " email proof '' ) On XX/XX/XXXX I paid {$45.00} for the final two weeks of the membership. This was {$20.00} higher than my membership price. ( proof attached, " XXXX CC Statement '' ) On XX/XX/XXXX, one month after submitting my written cancellation, I was charged again for {$45.00} On XX/XX/XXXX, I was charged ANOTHER {$45.00}. 
I disputed the XX/XX/XXXX and XX/XX/XXXX charges with my bank and received my refund. 
Proof attached of XX/XX/XXXX charges and XX/XX/XXXX charges + reversals of XX/XX/XXXX and XX/XX/XXXX -> " XXXX CC Statement '' Now, the financial solution company of XXXX XXXX XXXX XXXX XXXX ABC Fitness Solutions , is emailing me and calling me nonstop saying that I owe them {$210.00} This sparked an email thread between myself and XXXX XXXX  and ABC Fitness Solutions . I demanded Debt Validation 4 different times and was ignored completely by both parties. As per the attachments to this complaint, I paid all my balances and was even charged extra. After 17 emails, I have yet to receive proof of debt from neither XXXX XXXX nor ABC Fitness Solutions. Conversation is attached " Email Thread ''
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION (TN)

I was unaware of Consumer Finance Protection Bureau. The Tennessee Division of Consumer Affairs has been helping me resolve an issue with BB & T Bank. BB & T had the {$5.00} a month promotion going. So I opened an account with BB & T and I called them to make sure that I was opted out of overdraft. Then I got charged an Overdraft Fee anyway. So I filed a complaint with the Tennessee Division of Consumer Affairs. BB & T assured me that I was completely opted out of overdraft and that it wouldn't happen again and then I got hit with another overdraft fee and a " returned item fee ''. I am on Social Security XXXX so I don't have the money to be able to pay overdraft fees so if there isnt enough money in the bank then the transaction shouldn't go through. 
BB & T is just making up things to charge me more than the {$5.00} a month that I agreed to pay. BB & T has done nothing to earn this money and they've been told repeatedly by myself and with the Tennessee Division of Consumer Affairs moderating to stop. But, they act like they can just make up new names for things to steal money from me. 
I don't actually know what overdrafted and what item was returned because even at the time of this posting BB & T has not disclosed it.
Consumer complaint received 2022-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AR)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX, DEPT OF ED / XXXX, Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX, Account # XXXX XXXX XXXX, ACCOUNT # XXXX XXXX XXXX, Account # XXXX DEPT OF ED / 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 2022-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LTD Financial Services, L.P. (MI)

I have reached out to this company at least 5 time about an account that is showing on my credit report that happen due to identity theft. I have never had nor applied for nor gave anyone permission to apply for a credit card in my name or social security! I have submitted Police and FTC report and they have just stop responding. The XXXX XXXX XXXX  has sold the account to LTD AQUISITIONS LLC. The account was opened On XXXX XXXX from what i am seeing on my credit report.
Consumer complaint received 2021-08-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (FL)

On XXXX XXXX I have had made purchases with my debit card totaling over {$500.00}. Those purchases were cancelled and each merchant told me that the funds were released on their end. My bank, BBVA, still has a hold on those funds. I called the to speak with a representative and they said that they did not see any money that should be credited to my account.
Consumer complaint received 2022-07-30
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: JPMORGAN CHASE & CO. (CA)

I had XXXX credit cards that went into default with JPMCB over two years ago. XXXX card for XXXX and XXXX card for around XXXX. Since then, I have paid off XXXX credit card for the amount of XXXX. JPMCB closed my credit cards XXXX years ago. JPMCB wrote it off as a loss and turned this case over to a collection company and they reported it to the major credit card bureaus and my credit score dropped into the XXXX 's. Two years later and a wage garnishment later. Again my credit score dropped XXXX point because of the collection agency. If my account has been close for over two years now and I have worked hard to raise my credit score and continue to pay towards the XXXX. Why do you feel you have the right to continue to XXXX with the credit bureaus to hurt my credit score. You are getting paid every time I receive a paycheck because of the wage garnishment you placed with my employer. How many times do you think you have the right to hurt someone's credit score when you are being paid back. This is the second time you hurt my credit rating and you are getting paid back. XXXX XXXX shows that these XXXX credit cards are still open. That not true!
Consumer complaint received 2019-09-16
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. (GA)

This is my second complaint to the CFPB about reporting on my credit reports that is inaccurate and is hurting my chances credit wise and finance wise. I currently have a public record that is reporting that is inaccurately reporting on my credit reports and I have tried to correct this with the bureaus several times and keep being told that the public record is accurate. I have contacted the courts and I have contacted the reporting bureau ( 3rd party ) and they all have stated the public record is inaccurate and should not be reporting on my credit file. I have been battling this for a year now and am demanding that the credit bureaus follow the proper procedures to verifying public records and to provide to me with the verifying agency so that I may rebut against them. As a consumer, this is very disappointing because I am being held liable for information that is inaccurate and that should not be reporting on my credit files.
Consumer complaint received 2021-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My TRANSUNION credit report is showing, A collection account as open and a {$0.00} balance. This is reported monthly as a derogatory account negatively affecting my credit score. I have filed three disputes this far without any resolution, XX/XX/XXXX, XX/XX/XXXX and one dispute on XX/XX/XXXX. I spoke with with XXXX XXXX XXXX whom confirmed it should be closed and have a Paid in full letter File XXXX showing it is closed. It was paid XX/XX/XXXX and has been revolving and is reported monthly for 5 years and 9 Mos. Also, it is showing open and last reported on XX/XX/XXXX. This appears as derogatory and has high impact to my credit score negatively and shows needs attention to this collection account.
Consumer complaint received 2022-07-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc. (CA)

I originally owed XXXX  XXXX XXXX {$4000.00}, I attempted to work out a payment plan that I could afford once I became XXXX and could no longer work to bring in any extra income. 

I entered agreement with XXXX XXXX aka XXXX XXXX XXXX XXXX in good faith and have paid that program to date {$16000.00}, only to find that they did not settle this debt on my behalf in a favorable way. 

They offered this company almost {$7000.00} and began paying themselves first over the last few years - this is not a great negotiation. 

They program said that XXXX XXXX XXXX refused for 4 years any other offer during the time I participated in their program and they failed me. 

The debt program has been reported to the FTC. 

Now, I am applying for XXXX, I am unable to work but for 4 years I never missed one payment - only now I have XXXX left to live on in my savings and it is literally all I have. I offered that to this XXXX  XXXX XXXX company directly. 

Again they refuse- they now took bill from XXXX to XXXX, XXXX with demand of payment {$2500.00} and 5 monthly payments- with interest to start accruing again which will never pay this debt off. 

Even during covid, no job, XXXX I tried since 2019 to get this company to settle, they refuse and now threats to go to court and legal fees. 

I simply do not have funds any longer and I feel that 4 years of trying to settle with this unreasonable creditor is much to much for me to bare and now I am having emotional hardships as well as financial hardships.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2020-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

On XX/XX/2020, I contacted my mortgage servicer, Rushmore Loan Management Services as they increased my monthly payment by {$100.00}. The customer service representative XXXX, indicated to me that the increase was due to an escrow shortage. This is the second time in 14 months that Rushmore has increased my payment due to a claiming an escrow shortage. My county taxes and home owners insurance has NOT increased in that time period, the previous increase in payment to cover an escrow shortage would cover current taxes as again, they have not increased, the {$100.00} per month increase annualized is {$1200.00} which is 50 % of my county taxes ( an impossible account shortage ), Rushmore is charging a {$65.00} " Recoverable Advance '' for non-escrow related expenses but will not provide what those expenses are. I requested an audit of my escrow account, Rushmore refused and when I asked to speak with a supervisor, they hung up. It is clear that due to liquidity crunches in the mortgage servicing space, Rushmore is illegally billing current customers in an attempt to collect unjustified expenses. Further, I have not received prior or current notification of any kind, regarding an escrow increase as is required by statute. Rushmore refuses to perform an escrow audit, justify these increases and expenses and as well, is in violation of CFPB and California State Regulations. I request a full audit of my escrow account, Rushmore Loan Management Services practices and a remedy to my monthly payment. Thank you.
Consumer complaint received 2022-07-28
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. (PA)

This is now the FORTH and FINAL time I will be contacting you to remove the UNAUTHORIZED inquiries issue ( s ) which follow : XXXX with Date of Inquiry of XX/XX/XXXX XXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX of Inquiry of XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX with Date of Inquiry of XX/XX/XXXX XXXXXXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXXXXXX XXXX with Date of XXXX of XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXXXXXX XXXX XXXX XXXX with Date of Inquiry of XX/XX/XXXX My first few requests were simple. And you failed. Miserably. You provided absolutely no documentation or proof that the inquiries in question were obtained pursuant to the Fair Credit Reporting Act. Once again, you gave an entirely inappropriate response by encouraging me to deal directly with the furnisher. 

I have already provided ample proof and documentation of my efforts to communicate with the furnisher ( s ) and their failure to provide ANY documentation of permissible purpose or authorization from me. 

These inquiries must now be deleted. Send me an updated credit report showing the removal.
Consumer complaint received 2021-08-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Purchased XXXX XXXX gift card for {$150.00} on XXXX  ( I have register receipt ) at XXXX in zipXXXX. to give as XXXX gift but did not gift it. I tried to use card in XX/XX/ and there was no money in card.. I have been working on this with visa, capital one, my bank and their XXXX  and XXXX advisors since then. They point at each other as problem. I paid XXXX with my capital one card ( whch I have closed and destroyed ). They in turn paid XXXX and XXXX paid XXXX I have copy of emails going back and forth. 

Since I paid capitalone.walmart for the visa card, I hold them responsible for the bogus card. So I paid off my cap1 card but withheld {$150.00}. I believe they should get money back from XXXX XXXX who after all got money they did not earn. 

Cap one in turn has damaged my credit rating which was near excellent XXXX. I dont need {$150.00} but I wont be cheated!!
Consumer complaint received 2022-05-03
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. (RI)

In accordance with the Fair Credit Reporting 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.
Consumer complaint received 2021-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc. (FL)

In XXXX my I entered a forbearance for my FHA mortgage due to COVID 19. It ended in XXXX of 2020. I made all payments on time prior to XX/XX/2020 and have made all payments since XX/XX/2020 yet my mortgage has been reported over 120 days delinquent on my credit reports. I have attempted to contact BSI who is my mortgage company have not been able to have anyone return my calls regarding this matter.
Consumer complaint received 2020-07-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SunTx Capital Partners (MA)

I checked my report and I saw an auto loan under FREEDOM TRUCK FINANCE FOR {$15.00} XXXX. I am shocked because I have never asked or financed a truck from them. Never in my wildest dreams to finance a truck be bound to them. I worked for them but that is it.
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WA)

I went to the car dealership in XX/XX/2021, I applied to a vehicle however there were multiple hard inquires on my credit report. I was already approved, but I received multiple hard inquires.
Consumer complaint received 2022-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2019-09-15
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: Experian Information Solutions Inc. (FL)

The US Department of Education is reporting 2 accounts that they said were open in XX/XX/XXXX. I didn't open any accounts with the Department of Education on XX/XX/XXXX or went to any school or college in XX/XX/XXXX. I wrote the Department of Education on XX/XX/XXXX to delete the fraudulent accounts and I wrote the credit bureaus multiple times to investigate and delete the fraudulent accounts. To this day the accounts are still being reported on my credit and neither the department of education or any of the 3 major credit bureaus have produce any documents that verify the debt as mine. They haven't produce any documents at all.
Consumer complaint received 2020-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I had a loan with a company by the name of XXXX XXXX, in XXXX, California. 
Their shady and legal business practices include but are not limited to, calling references and revealing what the nature of their call is, calling work place multiple times, etc. 

I included this loan in my Federal Bankruptcy, that was charged off fall of last year. 
This file and loan was to be reported to {$0.00}, which it eventually was. 
They edited my file this week to show the account is open and listed payments deferred due to natural disaster-COVID19. I called and informed them legally this cant happen, the loan was discharged about inquired why theyre fixing their books to show more loans than they have to qualify for covid assistance from the government and I was told to prove it.
Consumer complaint received 2022-07-30
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: Experian Information Solutions Inc. (TX)

THIS IS NOT A DISPUTE. EXPERIAN BROKE THE LAW AND REPORTED AN UN-AUTHORIZED ACCOUNT ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EXPERIAN ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED ACCOUNT ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).