davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2023, I wrote to you requesting an investigation into items that I believed are inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting. 
15 U.S. Code 1681i. Procedure in case of disputed accuracy. 
( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance if the validation of debt request isnt completed.
Consumer complaint received 2022-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (NC)

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX requested this loan for Solar panel which does not work. XXXX XXXX XXXX has now closed and does not support the system. Since I got installed I continued to pay the light bill and the loan from good leap in which I cant afford. I am paying a loan of $ XXXX monthly and light bill which is the same amount. I want this loan dismissed and these solar panels off my roof! They claimed it was fixed but its a lie! I'm still not seeing enough energy produced to sustain my house like I was promised when they installed the solar panels. This loan is for 25 years for a system that does not work! They said I was going to receive compensation for the time I called to when they claimed they fixed it and when I called they said it was no longer being given. They literally waited for the tech to come to send that letter that I was not going to get reimbursed. 

This is not fair!
Consumer complaint received 2023-01-30
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2023-06-05
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Consumer complaint received 2021-04-22
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/XXXX, I was eligible for an extension to my unemployment claim due to a new federal law. However, despite repeated efforts to reach CA Employment Development Department ( EDD ), my claim was not extended until XX/XX/XXXX after I contacted my state representative. This delay resulted in months of back-paid benefits being deposited into my Bank of America Pre-Paid Card, which is controlled by EDD. 

Due to Bank of America 's unreasonable restrictions, I have only been able to withdraw {$1000.00} of the funds per day and deposit them into my checking account. I also can not use XXXX or XXXX to transfer the funds, as the card does not work on these platforms, either. 

Therefore, I have been using an ATM to withdraw the funds each day, however my account has been repeatedly flagged for " suspicious '' behavior, preventing me from accessing the funds. Bank of America customer service has been very unhelpful in resolving the issue on more than one occasion, resulting in a significant delay in accessing the funds. 

I believe that the Bank is unreasonably and potentially illegally withholding funds owed to vulnerable Americans in need. There should not be a withdrawal limit on benefits owned by unemployed individuals, and the Bank needs to be responsive to individuals attempting to access their benefits.
Consumer complaint received 2021-04-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC (IL)

I received a payoff letter from Radius Global Solutions LLC. This is from a auto debt with creditor XXXX XXXX XXXX. The letter states that I have 30 days from the date listed on the letter to accept a payoff amount of XXXX. I spoke with a customer service rep named XXXX about the payoff amount and try to negotiate a lower amount. After several calls with her and her supervisor I made a payment with XXXX XXXX in the amount of XXXX and setup a payment arrangement for the balance of XXXX. This balance would be paid over 6 months in the amount of XXXX. I was told that an email would be sent with a confirmation of payment as well as the payment arrangement we setup. Unfortunately, after 72 hours I never received an email so I called back spoke with XXXX. He informed me that the payment arrangement made could not be honored per his supervisor and I had to pay full payoff amount. I stated to XXXX that we had a verbal contract the company 's pre-recorded conversation. Which legally bines them to the payment arrangement made between XXXX XXXX and I. As of XX/XX/XXXX this organization has report a balance of XXXX owe to the credit bureau. Please advise if you are able to assist.
Consumer complaint received 2021-04-22
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: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX DOB XX/XX/ Account-Portfolio Recovery Account # XXXX Dispute Reason- UNKNOWN ACCOUNT/Possibly Identity theft After Moving from XXXX , XXXX  to XXXX , XXXX I recently reviewed my credit report in order to obtain a mortgage on a home and i noticed several inconsistencies and inaccuracies regarding the account Portfolio Recovery These can not be accurate. The name on the account is not me. I am XXXX XXXX XXXX not XXXX XXXX. According to Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed wet-ink consumer contract with my signature- This is NOT a request for verification or proof of my mailing address Now, I respectfully request that your office ( s ) provide me with competent evidence that I have any legal obligation to pay this debt PLEASE DELETE IMMEDIATELY
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (IL)

So I called XX/XX/2022 and XX/XX/2022 to remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2021-09-22
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FC HoldCo LLC (FL)

I previously submitted a complaint ( XXXX ) against Flagship Credit Acceptance , I uploaded all of the documentation including correspondence to them and from them, copies of my affidavit of facts which was notarized, and green receipts, to which they replied my request was frivolous, they said this dispute was previously investigated which in fact wasnt, and they also stated that they reasonably believe that my dispute was prepared for me by a credit repair organization. I am a consumer and I know my rights, I do not need a freaking organization to fix what is not broken, Flagship has violated my consumer rights and I have found the violations, I have stated my demands, and I have sent a copy of my bill of particulars that I am owed. This needs to be resolved now, this company is taking full advantage of consumers that do not know their rights and now I am aware of mine and will continue complaining about their violations without the need for any help from no credit repair organizations, which if Flagship keeps mentioning I will educate them how credit repair organizations also violate consumer rights. I feel offended at the fact that I can not use the appropriate verbiage and/or cite codes because Flagship deems it frivolous. Flagship is a fraud, has caused me emotional stress, has caused me money and hardship, they need to be held accountable for their false advertising, false and deceptive forms, I AM A CONSUMER AND I AM EXERCISING MY XXXX RIGHTS THAT FLAGSHIP HAS DECIDED TO CALL XXXX FRIVOLOUS. 
I have done my administrative process, I have my exhibits and if this is not resolved through CFPB I will gladly scale this to court and continue my process until I get my remedy. 

THE UPLOADING PROGRAM DOES NOT LET ME UPLOAD ALL OF THE DOCUMENTS AND EXHIBITS BECAUSE IT IS LARGER THAT THE ALLOWED SIZE
Consumer complaint received 2021-03-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

I moved out of my apartment in XX/XX/2018 and they told me if I pay them rent for the month they will be good. I left. Never got a notice or anything they promise me my deposit and they took all XXXX XXXX the XXXX $ for rent and then they hit my credit without NO KNOWLEDGE OF ANYTHING. I called numerous times been hung up on left on hold and told horrible things. This is not fair and is harassment. I do not owe these peoples money
Consumer complaint received 2021-04-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have submitted multiple complaints/disputes to XXXX, XXXX  and transunion in regards to my consumer rights being violated. Their abusive credit reporting practices and lack of effort to correct their mistakes, have continued to hinder my ability to achieve a basic means to live. It has impacted me in obtaining employment, financial services, housing and transportation. Attached is my most recent disputes and instructions for resolution.
Consumer complaint received 2021-04-22
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (CA)

This is a complaint about Honda Financial Services, who is the lender for my car loan. In XXXX XXXX XXXX, they updated their website which required everyone to make new accounts to be able to log in and pay bills. I had submitted my payment right before this transition, and apparently the payment did not go through. They did not, however, make any attempt to contact me or email me notifying me that my payment had not gone through. I was then unable to log in and check the status afterwards. They then reported my payment 30 days late which negatively affected my credit score. I tried to contact them and explain my situation, noting that I had never been late before even during COVID, and they refused to work with me and remove the derogatory mark on my credit report. I then requested to be contacted by a supervisor to talk more about my account, and she claimed that they had tried to contact me and when asked to confirm information she had incorrect contact information on file. I am disappointed with Honda 's lack of effort and willingness to work with their customers. I would not recommend financing a car through this company.
Consumer complaint received 2021-04-22
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (CA)

In XXXX of XXXX, I received a Supplemental Property Tax Bill for fiscal year XX/XX/XXXX to XX/XX/XXXX in the amount of {$1800.00}. My first installment of {$910.00} due XX/XX/XXXX and second installment due XX/XX/XXXX. 
I did not have the money to pay the total, but did manage to pay the first installment on XXXX XXXX. Meanwhile, Freedom Mortgage paid the full {$1800.00}. The XXXX XXXX cashed both our checks, and on XX/XX/XXXX returned the overage of {$910.00} to Freedom Mortgage. 
In XX/XX/XXXX, I received a statement from Freedom Mortgage stating that, to pay off the {$910.00} which FM wound up paying, my new payment would be {$1500.00}. ( I WAS paying {$1500.00}. ) I have been paying {$1500.00} since XX/XX/XXXX. It should be paid off by this XX/XX/XXXX, and my payment should go back down to {$1500.00}, I would have assumed. 
However, today I receive a new statement from FM saying my escrow has gone up forcing a new monthly payment {$1900.00} ( from {$1500.00} ), an increase of {$370.00}. 
There was no increase in taxes, insurance, or interest. It is apparently a mismanagement of the escrow account.
Consumer complaint received 2021-04-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2021-04-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: The Outsource Group, Inc (TN)

I sent a debt validation letter to this company in regards to a debt being report on my credit report. The company failed to validate the debt instead they sent a list of my medical records, I know this is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to obtain and or access this information.

This Company has violated my HIPPA rights on 3 different occasions claiming to collect a debt for a company that I did not authorize to release my medical information. This company is to delete these 3 accounts and immediately stop reporting this information to the bureaus or I will take legal action. 

Acct # XXXX Acct # XXXX Acct # XXXX
Consumer complaint received 2022-09-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: JPMORGAN CHASE & CO. (MI)

I would like to file a complaint against Chase for their lax security practices that allowed the following cosigner checking account overdraft scam to take place. If they had proper security checks in place, such as requiring the verification of photo-identification in person within a Chase branch, then this situation I have been faced with would not be possible. 

On XXXX XX/XX/2022 I attempted to login to my Chase account via the app on my XXXX and was presented with an error message to say my account is blocked due to suspicious activity. I called Chase and they said I had been added as a cosigner on a checking account opened a month ago, in the name of XXXX XXXX, someone I had never heard of. 

Somehow the fraudster was able to add me as the cosigner ( I assume either online or with fake ID ) on their checking account, thereby enabling them to leverage my credit rating to get an overdraft on the account. They were then able to withdraw 3 amounts, each just shy of $ XXXX, at 3 different Chase branches, resulting in the account going into a negative balance of {$29000.00}. I have filed police report and a claim with Chase to have myself removed as the cosigner on this fraudulent account.
Consumer complaint received 2021-04-22
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. (GA)

I tried to file a dispute with Equifax numerous times and they refuse to dispute the fraudulent inquiry on my credit report. They stayed they will not process my dispute for the hard inquiry for XXXX XXXX Credit Report on XXXX XXXX. 
They also refuse to remove XXXX XXXX from my credit report. I gave them my police report and FTC report and they still refuse to remove it. 
I also disputed all late charges for XXXX XXXX Mortgage and they refuse to remove it.
Consumer complaint received 2021-04-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch (NJ)

I make regular scheduled payments on my consumer loan through my bank to Castle Credit. 

In XXXX they claimed they had not received my payment. Although I had proof from my bank that the payment was made on time they charged me a late fee. I told them I would put a stop on that check and issue a new payment. Then miraculously they somehow " found the check " they claimed not to have received and then charged me a fee when they deposited the check that I had already told them I put a stop on. The same issue occurred on XX/XX/XXXX. I spoke to my bank to put a stop on that check and asked how could this happen. The representative from my bank told me because Castle Credit opted to receive physical checks in the mail rather than e-checks. I believe their claim of not receiving checks is a scam and they " lose '' checks in order to charge a late fee. and then double charge fees when they " find '' the missing check a day after they charge a late fee. 

I also attempted to get an explanation of 3 fees they charged on my account on XX/XX/2021 Reverse P+I Interest of {$30.00}, {$70.00}, and {$74.00}. 

I believe they are running a scam to try to get extra fees and would appreciate your looking into their business practices. 

Thank - you
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc. (SC)

Experian, XXXX, XXXX have all violated my privacy of student loan information, reporting it to public on credit reports without getting consent, giving it to XXXX parties. Also, there are false indications on my credit report from all XXXX, I have attahced Experian under the XXXX loan stating that I was making payments with that loan. I never made any payments. I am protected under The Family Educational Rights and Privacy Act Of 1974.
Consumer complaint received 2022-03-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC (NJ)

On XX/XX/2020 I made a payment of {$300.00} to careerstep for a course I did not attend a single class and they forwarded my name to for debt collector. I forwarded an email to them to cancel any contract I may have enter but to my surprise several calls and harassment from monetary financial services was mounted on me to pay up for debt I did not incurred. No materials course, No documents and No instruments was sent to me in relation to the courses but they want me to pay for services that was never rendered.