davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Took XXXX XXXX XXXX XXXX up on a 'same as cash ' no-interest credit offer last XXXX. Never rec 'd a statement from them [ they apparently had the wrong e-mail address and did not offer paper statements ] ; On XX/XX/2021, they called, screaming that my account was past due! I immediately paid them everything up to that point that they said I owed them. At that point, they instructed me to schedule a monthly ~ $ XXXX to reach them by the end of each month thereafter, which I did. What they didn't tell me was that they stealthily charged me an XXXX cent " trailing interest charge '' but failed to tell me about it. When they called me in early XXXX, screaming that I was " past due '' for the XXXX cents, as we were talking, the XXXX XXXX agreed at the absurdity of the situation and promptly reversed the XXXX cent charge that I never knew I even owed! All good, right? XXXX ... ..... 

When I checked my credit report [ which, prior to this fiasco was an XXXX perfect score ], I discovered that XXXX XXXX XXXX XXXX had reported that I was " 30 days late '' with my XXXX payment. this of course is false information. I have complained dozens of times to them- they keep apologizing and promising to correct it but they never do! I registered disputes with all three credit bureaus as well. They all told me that the only one in human history that can change this is XXXX XXXX XXXX themselves. Pls. help to get this removed from my credit reports as they simply are not able or willing to really do so.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

Suspect credit fraud, requested credit report multiple times and still have not gotten it. 

First tried online system ; that didn't work, perhaps because I live overseas ( XXXX ). Then tried phone system ; that didn't work either - said it couldn't identify me, even though I gave my current XXXX mailing address. 

Then I mailed Annual Credit Report Request form to Experian ( via Annual Credit Report Request Service ) 3 times : - first time summer XXXX - second time sent it XX/XX/XXXX - third time sent it XX/XX/XXXX Mailed forms # 2 and # 3 to someone in the US, who then mailed the envelope to Annual Credit Report Request Service mailing address on form. So overseas mail was not an issue. 

Finally contacted Experian XX/XX/XXXX by phone ; answering system gave me the option of ordering my credit report, so I did ; it accepted my information and said I would get my report in 15 days ( around XX/XX/XXXX ), and then said " Your confirmation number is '' - and the system hung up. I still waited the 15 days before contacting CFPB. 

I need my credit report. 

XXXX XXXX
Consumer complaint received 2021-12-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: INTERCONTINENTAL CAPITAL GROUP (NY)

Pursuant to 12 CFR Part 1006 ( Regulation F ). 1006.34 Notice for validation of debts. I never received a validation notice with initial communication or within 5 days of initial communication. 

Pursuant to 15 U.S. Code 1666b ( 4 ) XXXX XXXX is in violation The creditors failure to reflect properly on a statement a payment made by the obligor, or a credit issued to the obligor. And 15 USC 1666b ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. 

Pursuant to 15 USC 1611 XXXX XXXX is criminally liable for willfully and knowingly not disclosing finance charge and unauthorized use of my credit card Pursuant to 15 USC 1635 right of rescission XXXX XXXX did not disclose or give written notice to consumer informing consumer of having an opportunity to rescind said consumer credit transaction. 

Pursuant to 12 CFR 1026.23 b ( 1 ) - Right of rescission in a transaction subject to rescission, Since I have Never been notified of said right, I have 3 years to exercise that right a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind the notice shall be on a separate document that identifies the transaction and shall clearly and conspicuously disclose the following : ( i ) The retention or acquisition of a security interest in the consumer 's principal dwelling. 

( ii ) The consumer 's right to rescind the transaction. 

( iii ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. 

( iv ) The effects of rescission, as described in paragraph ( d ) of this section. 

( v ) The date the rescission period expires. 

according to 7 CFR 1436.10 ( c ) the down payment may not include any trade-in, discount, rebate, credit, deferred payment, postdated check, or promissory note to the supplier or contractor wells fargo has recived a prommisory note in which paid for this transaction. 

Pursuant to 12 CFR 1026.23 b ( 2 ) I have Never received a proper notice of Form Appendix H and forms to take exercise my right to rescind. To satisfy the disclosure requirements of paragraph ( b ) ( 1 ) of said section, the alleged creditor shall provide the appropriate model form in appendix H of said part or a substantially similar notice.

Pursuant to 12 U.S.C 83 No national bank shall make any loan or discount on the security of the shares of its own capital stock which proves alleged loan was paid for when i provided signature and social which makes any commercial paper a security i also provided a promissory which paid for transaction 15 USC 1692h XXXX XXXX has received payments on this alleged debt and affiant has the right to direct XXXX XXXX to return all payments
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX XXXX breach and XXXX have gotten into the wrong hands.
Consumer complaint received 2021-12-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (AL)

I went to the ER and paid my co-pay at the time of the ER admittance. My insurance was billed for the rest and was paid by my insurance company. Later we got a bill from a place we did not recognize we contacted the hospital and were told that they did not bill through any third party companies from the one that was trying to bill us. The hospital said that our bill was paid in full via our co-pay and our insurance company. We then contacted our insurance company that said that they had paid the bill in full. They did not have any other bills relating to the ER visit. We then contacted the company trying to bill us and told them that the hospital and our insurance said that all fees for this ER visit had been paid. If this was a legitiment bill to file it with our insurance company. We did not hear back from them and it went away for about 2 years. It seems every year it gets sold to a different collection agency. We contact each time and tell them this has been paid in full and we do not owe or know what this bill if for. It goes away and then comes back from a different collection agency. It is not my debt, I do not owe this or know what this is for as it was never filled with my insurance. It has negatively affected my credit score by making it drop XXXX points. Again, this is not my debt. I have disputed several times with the hospital, insurance company and the collection agency. The hospital and insurance say it is not my debt it is fradulant. I would like it removed from my credit as it is not my debt.
Consumer complaint received 2021-12-03
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

On Sunday, XX/XX/2021, my husband and I tested positive for XXXX, so on Tuesday XX/XX/2021, I contacted the mortgage company with a concern for our upcoming payment because we aren't getting paid for this time off work. I simply asked to defer a payment to the end of our loan and was told that was not an option at all, this was in a chat log. They instead suggested I contact my state, which is upsetting to me. I do not want to apply for government assistance for this matter, because we faithfully pay our bills. We don't need that kind of help just for the mortgage company to modify our loan for this hardship. 

On Wednesday XX/XX/2021, I had talked with someone from our county of residence and was told that we don't even qualify for help because our mortgage is current. So there is no help for our situation, which isn't fair either. 

On Thursday. XX/XX/2021 I again contacted the mortgage servicer, Rushmore Loan Management Services, and was told there is nothing they can do to help us AGAIN. I stayed on the phone complaining about our situation, as the man on the line ( forgot his name ) suggested he get a supervisor on the line because I wasn't satisfied with this. They just kept suggesting I cancel my autopayment and pay it when I can. I can not afford to make a double payment after we don't get paid either, so I turned down that option as it doesn't really help. 

The supervisor, very rude and talking over me at times, didn't want to help me or suggest any other help UNTIL I told him I was going to file a complaint with your agency and then suddenly, we could " APPLY '' with some packet for a forbearance. I asked what information will be needed and one of the things he mentions is our bank statements. Now, is when I really get upset... 

I can prove our hardship through proper documentation of positive XXXX  tests, letters from XXXX XXXX health department with orders to quarantine and not work, and also paycheck stubs to prove we aren't getting paid. 

I shouldn't have to let this company invade my privacy just to prove the temporary hardship. Also, then the supervisor suggested he was sending the packet anyway because " I have to now! '' No, you don't and I declined.
Consumer complaint received 2021-09-30
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. (FL)

I was checking my credit report and I got shocked from what I saw Its impossible to believe that you reported negative account which is not mine. I never had it so because of you I have low credit score what means I'm not able to buy apartment for my family.
Consumer complaint received 2022-03-24
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: Experian Information Solutions Inc. (GA)

On XX/XX/2022 letters were sent requesting validation of certain accounts included on my credit report. Not only has the investigation taken over 30 days, I have also not received any update regarding the information that has been disputed.
Consumer complaint received 2021-11-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Management Corporation of America (AR)

I have a previous CFPB complaint that I filed on XXXX against RMC. On XXXX XXXX compliance Officer XXXX XXXX responded to CFPB stating that RMC will be removing the amount from my credit report. I called RMC on XXXX and asked when would they send in proper documentation to XXXX to remove this debt for my credit report. XXXX XXXX told me that she has someone that does that and will handle it. I called XXXX XXXX to make sure that the account was remove. I not only did I find out that its still there but also found out that RMC reported it XXXX after sending that they would have it removed XXXX according to the response from XXXX XXXX. XXXX updates daily. I call daily. RMC is FALSIFYING documents. The account amount should not only be changed but also the account should be deleted. In my attachment there is the Letter that RMC XXXX XXXX statement on XXXX. The report should not have reported as a collection. I would also like documentation from RMC stating that the account has been removed not that it will be removed.
Consumer complaint received 2022-08-02
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. (IN)

15 USC 1681 Section 602 A. States I have a the right to privacy. 15 USC 1681 Section 604 A. Section 2 It also states that a consumer reporting agency can not furnish an account without my written Instructions. 15 USC 1692C States that without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collect may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692B States that they may not use any language of symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Consumer complaint received 2021-09-30
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: JPMORGAN CHASE & CO. (CO)

The Chase Sapphire Reserve credit card ran a " No Interest, No Monthly Fee '' promotion on their " My Chase Plan '' program that ended on XX/XX/2021. I took advantage of their promotion by purchasing 2 travel vacations, one at XXXX XXXX XXXX for {$6700.00} on XX/XX/2021, and another deposit at XXXX XXXX on a second trip for {$400.00} on XX/XX/2021. Both purchases were within the parameters of the Chase promotional period. When I went to sign on to take advantage of the " My Chase Plan '' promotion, I was told on a Chase website pop-up that my purchases did not qualify for said promotion. On XX/XX/2021, I tried again to put both those purchases on the Plan and both purchases were now eligible, but there would be a monthly fee for doing so. On 3 or 4 calls to Chase, they declined to remove the monthly fees that I was now being charged. Chase has declined to honor their own promotion and I have been charged fees that were not in existence when I made my travel purchases in accordance with their Plan promotion. I am requesting those current and future monthly fees be removed from " My Chase Plan '' and Chase honors their own promotion. Thank you.
Consumer complaint received 2021-12-03
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)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020
Consumer complaint received 2021-12-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports. 
XXXX XXXX GROU Reported : XXXX XXXX, 2021 {$120.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2021-11-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Michael J. Scott, PC (TX)

This is the law firm attached to a debt collection attempt from XXXX. 
they are attempting to sue for an amount to XXXX that is wrongfully owed. Threat of garnishment and unreasonable payment arrangments.
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2021
Consumer complaint received 2021-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a complaint against TRANSUNION because they currently have INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX XXXX. 

XXXX SUBMITTED ON XX/XX/2021 TRANSUNION responded XXXXhat it will use the same false unlawful information from the same furnisher instead of looking at ALL THE ATTACHMENTS I SUBMITTED WITH MY DISPUTE, thoroughly examining my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

TRANSUNION has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file, which a THOROUGH EXAMINATION OF MY SUBMITTED EVIDENCE WOULD REVEAL but TRANSUNION never examined my evidence and instead relies on the same false information from the same furnisher. 

Whats the point of disputing directly with them then? Ive disputed via certified mail and fax and phone and online!! Yet, TRANSUNION relies on the same furnisher for the same false unlawful information about my account! 

Instead of looking at ALL the proof I sent and deleting XXXX unlawful reporting, TRANSUNION tells me it will obtain the same false information from the same furnisher.

This behavior is ILLEGAL.

TRANSUNION has REPEATEDLY dismissed my disputes about XXXX XXXX XXXX  stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX account must IMMEDIATELY be removed from my credit file by TRANSUNION now in accordance with FCRA!