davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (UT)

I was purchasing a XXXX XXXX XXXX through popular science. During checkout, I got an error message saying it could not be completed. I was double charged on my credit card. I disputed the charges and the credit card company investigated and said the charges are valid and made me pay them. The charges were not valid as I never received confirmation that the order went through. Also, I was double charged so how could the charges be valid since there is a duplicated charge?
Consumer complaint received 2024-10-31
Product: Credit reporting 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)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 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 2022-12-05
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. (AP)

Hello, This started in 2021, when I finally checked my credit for the first time after noticing old bills in my name in my mothers home. XXXX  XXXX  XXXX and we were cleaning out her home. I saw that it was a charge off and I been trying to dispute it ever since. At first, XXXX didnt tell me I had to create the identity theft report or anything, they only told me that itll be on my credit for 7 years. I was confused because it didnt make sense. The worker did not care and was rude. XXXX XXXX XXXX XXXX  XXXX  in XXXX XXXX for the last XXXX years. This past year I sent my information with EVERYTHING, FOUR times. Due to my work hours and the time XXXX  I try my best to contact everyone and get names of people but Im always led wrong number after another. I even sent all of the required information by mail to Experian AND XXXX. Experian is telling me that I probably need a police report as well as the identity theft commission paper but how can I make a police report on a person that has been dead for a year? I called them time and time again. XXXX is still saying that my information is correct. Im thinking, of course its correct because my mother is the one that took a credit card out in my name! Not me! Ive talked to XXXX and XXXX and they were nice and explain to me to keep disputing it. This is absolutely ridiculous. Ive also attached my XXXX  XXXX  XXXX  because it feels like no one is listening to me.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southern Management Systems Inc. (AR)

Southern Management Systems has called various times since XX/XX/XXXX regarding payment to The XXXX XXXX. 
On XX/XX/XXXX a payment was mailed directly from me to The XXXX XXXX and management confirmed via e-mail receipt of payment and closure of my account balance. 
Southern management systems has called XXXX other times since XXXX to collect this debt that has already been paid. Each time it is difficult to understand the speaker on the phone, and he informs me that I must write a letter disputing the debt.
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (NC)

the problem is with a debt from a vacation club membership in 2019 in the state of south carolina they offered me a vacation timeshare. that I was going to buy but I couldn't do it anymore and I canceled the purchase even though I lost some payments that I made. but after XXXX years I receive a letter from some debt collectors, who tell me that I have to pay for the use of a credit card to make the advance payment for that membership, with a card that I have never had or with an account of credit that I never requested to make that payment, they sued me, for that reason I responded, to the demand and even so they took me to court and even though I explained the situation in court, the judge agrees with the collectors not because they have reason, if not because I supposedly did not file an affidavit, and now they send me a letter threatening me that if I do not contact them they will open a lawsuit to charge me, and it is that I do not understand why they want me to pay for the use of an account or a credit card that I do not have or authorize and that apart from that I do not receive anything for the payment of that amount that they want me to pay, I would not even receive the membership that I do not want or wish to buy and, apart from that, they take me to court in the state of North Carolina where I do not That purchase was made, my XXXX is not very good so I would like you to guide me on what I can do to be able to face and resolve this because it seems unfair to me that they want me to pay them a loan that I did not request and that I did not sign any document with the people who want to charge me and apart from paying them for nothing because I do not receive any benefits for paying that money that I did not request or use
Consumer complaint received 2022-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MS)

When Im not able to make payments, even after I inform the company about it, I get harassing phone calls from many different numbers. They also come by my house. They call my job multiple times a day and they threaten to garnish my checks. When I tell them about my situation it is no help.
Consumer complaint received 2022-10-11
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: Spring Oaks Capital, LLC (NJ)

Please do a full search on my report It's spring oaks capital llc of a balance of XXXX XXXX  last reported on my report was XX/XX/XXXX XXXX I'm asking please to remove this off my credit profile on my XXXX an on XXXX it's reporting on my XXXX XXXX profile. Also I have 4 hard inquiries on my XXXX XXXX that need to be remove I didn't not authorize anyone to pull my report, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX An XXXX XXXX XXXX XXXX XXXX XXXX Derogatory mark on my report XXXX XXXX  The same two hard inquiry on my XXXX XXXX account is on my XXXX report XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Please delete these errors off my account
Consumer complaint received 2022-12-17
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: U.S. Auto Sales Inc. (FL)

USAUTO Servicing has threatened to repossess my vehicle as of XX/XX/XXXX after continuing to contact them requesting a payment plan, deferment, or extension to catch up on my payments. Since COVID, I have been faced with financial hardship, loosing my home having to stay in hotels back in XX/XX/XXXX, was able to find an apartment in XXXX. Started working and unfortunately was laid off my job in XXXX of XXXX. I started rcving unemployment benefits which helped me continue to make payments which ended in XX/XX/XXXX. My childrens father assisted with paying for a month when we relocated to another city but it became a hardship on him. We came back to XXXX in XXXX, the vehicle then started to have mechanical issues, starter went out ( {$450.00} ) I'm XXXX which they were able to provide one deferment for bc they were unable to pay for repair bc I was out of warranty. I am borrowing money at this time to repair the vehicle bc the vehicle is the only thing I currently have that's helping me. XXXX another Mechanical issue ( {$250.00} ). Started working XX/XX/XXXX, contacted them advising I started working, changes in my pay, and repairs, they advised due to the acct being 53 days past due the vehicle will be up for repossession as of XX/XX/XXXX. They are unable to provide a deferment due to the one I got in XXXX and the for the hurricane that just came. If USAuto repossess this vehicle it will cause a major financial hardship and cause major damage to my credit.
Consumer complaint received 2022-12-05
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: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/2022 I applied for Financing at XXXX XXXX, XXXX, XXXX, TX. I stated that I only wanted to apply for financing through XXXX. They came back and said that I was denied. I told them thank you and they offered to check other options for me. I told them again, I was only interested in XXXX XXXX, and if they were applying through any other banks, I wasnt interested, I DID NOT WANT THEM TO RUN MY CREDIT AGAIN. I made myself very clear. The salesman then said he would go back and speak with XXXX financing to see if there was something he could do. He came back and said that he had checked with XXXX XXXXXXXX and they had also denied me. I asked them had they run my credit through XXXX XXXX? They replied no. The next day I began receiving alerts from my XXXX and XXXX credit accounts. Letting me know that multiple financial institutions have been running my credit that previous day. When I contacted XXXX and spoke to the finance manager, he found out from the salesman that he had indeed ran my credit again multiple times through those other financial institutions. After I had asked him, explicitly not to, and he had agreed. He ( finance manager ) then told me to contact the credit agencies to have them remove the inquiries from those other institutions, and that if there were any questions, he would acknowledge that they ran my credit without my permission. This has been since XXXX and I can not get XXXX or XXXX to remove the inquiries. 
XXXX Unauthorized Inquiries : XXXX XXXX XXXXXXXX XXXX Santander Consumer USA, XXXX XXXX ( XX/XX/2022 ) XXXX Unauthorized Inquiries : XXXX XXXXXXXX, XXXX XXXX ( XX/XX/2022 )
Consumer complaint received 2022-12-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Arena Investors, LP (VA)

Company : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX XXXX ( claims to be " service provider '' ) These guys send letters that " look '' like debt collection lettters for goods or services ( magazines ) that were never ordered. I can't tell if they are real, but I have gotten multiple letters saying " if you don't dispute this we will assume " our information is correct '. 

It looks fraudulent to me, but the wording is sketchy. I'm tired of disputing these just because I am worried they will somehow turn my lack of dispute into an " order or debt '' obligation.
Consumer complaint received 2022-12-01
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (MO)

Chase Auto / JPMCB has put a late pay on my credit report this is not accurate and this is costing me severely limit opportunities, such as starting my business and buying a home. On XX/XX/2022 after I finance a car with Chase Auto, while I had a agent of Chase on the phone walking me thru the steps to start my online account we found a account open in my name that I did not open it was open as a fraud account and the account Number Chase gave me. Instead of Chase changing the account number from a fraud account they kept me assign to this account number. Now on my credit report Chase have a late pay in XXXX which is not right I sent in my Payment on time Chase fraud dept did not unlock my account and unlock my account until XX/XX/2022 which made my payment late I called Chase and follow their steps on dispute this matter and I disputed on XXXX. Chase dept sent back it was accurate.. I deserve and should expect honest and accurate information about my credit which are central to my financial life
Consumer complaint received 2022-12-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC (NY)

In XXXX I received a bill from Servicemac for my monthly mortgage payment. My usual payment was about {$1000.00} monthly. However, I receive a new bill in the amount of {$39000.00}. 
I called in XXXX and spoke with a representative who stated that it was a clerical error and it should be fixed by the next month. 
In XXXX I receive the bill for {$39000.00}. I spoke with a tax department supervisor XXXX on XX/XX/24 who was going to have this issue escalated and it was supposed to be fixed in XXXX business days. 
I followed up on XX/XX/XXXX s/w XXXX who explained that the money put into the escrow account had been refunded and the issue would be solved the next businesss day. 
I receive another bill in XXXX for {$39000.00}. On XX/XX/XXXX my husband called again and spoke with XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). 

We have not been given any clear explanation what caused the delay in solving this huge discrepancy on our account.
Consumer complaint received 2022-12-05
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. (CA)

I tried previously to contact XXXXXXXX XXXX XXXX customer service and received notification from my previous complaint that the problem complained about was fixed but Im noticing today on my experian credit report that there is not one error saying late payments or over credit limit with XXXX  but multiple reports from XXXX  going back on my report months and months times so multiple corrections need to be made asap I just made a payment with them via phone today XX/XX/22 and my payment was not even due until XX/XX/22 I dont know why they will not correct this its effecting me negatively on my credit report I tried to get a loan Ive always paid previously with my bank recently and even though previously never late and always paid in time I got denied another small loan
Consumer complaint received 2022-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

I had an agreement with Discover that this was a pay for delete account. I paid in full after charge off but Discover failed to stick to their end of the bargain and did not delete this account as agreed. Account still reports as negative when it shouldve been removed off my credit report.
Consumer complaint received 2022-12-05
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. (PA)

After recently reviewing my credit report I noticed several inconsistencies regarding the account ( XXXX XXXX XXXX ) in the ( BALANCE ) & ( PAYMENT STATUS ) section. XXXX is reporting a balance of {$7600.00} with a derogatory payment status, XXXX is reporting a balance of XXXX with a current payment status and, XXXX is reporting a balance of {$7200.00} with not applicable as the payment status now all three of these balances can't be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately.
Consumer complaint received 2022-10-14
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. (LA)

XXXX and XXXX XXXX are reporting on my Credit report that payments are late which i never set up any payment plans or nor have I agreed to pay and they have considered trying to validate these debt which is not enough evidence for me to know if these are truly my debts to pay and if they actually purchased these debt from the original creditor they so called purchased them from. There is no documentation showing my signature and where I agreed to any of it. 
Look at attached information.
Consumer complaint received 2022-12-05
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. (PA)

Experian claimed to removed the inaccurate inquiries on my report after cfpb complaint XXXX and multiple others. This is a follow up so that they can finish removing the rest of the items Over the last 2 months i have been disputing inaccurate inquiries on my credit report which this company has took over 30 days and most times not even responded to my disputes. They are currently the FCRA as well as many of my consumer right. Firstly they are violating 15 usc 1681 b- ( a ) In general - ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I've never gave them written instruction to furnish my report in any way. They have also not completed accurate investigations and accurately verified the items on my report. Ive submitted many FTC identity theft affidavits which they have not responded to. This negative and inaccurate information on my report is creating false and deceptive representations of me as i try to apply for new credit which is also a violation of 15 U.S. Code 1692j ( a ). These items must be removed immediately and I also require monetary relief for these violations against my consumer rights. I am demanding these all of the listed inquires be removed : XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-08-12
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. (GA)

Experian is the only credit bureau that gives us consumers issues with removing inaccurate information. Ive been dealing with this for several months now. Experian keeps reporting inaccurate addresses and stating the address is associated with an open account, I have NO open accounts and all my creditors have my current address. Ive sent in several request stating to PLEASE REMOVE ALL THE OTHER ADDRESS OFF MY REPORT, AS THEY ARE NOT DELIVERABLE TO ME BY THE UNITED STATES POST OFFICE, AND THEY ARE NOT REPORTABLE AS PER THE FCRA, SINCE THEY ARE INACCURATE.
Consumer complaint received 2022-12-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (AR)

I recently received a letter dated XX/XX/2022 from Rocket Mortgage. Who indicated they were unable to approve my home loan. Because of Debt to Income : Excessive Debt. Which I feel that I am being discriminated against because of my race, color, age, sex and marital status. By them denial me the home I feel that I could afford as being single. Without an co-signer. Also they pull credit report from XXXX without me unlocking my credit report for them to withdraw. XXXX is wrong for allow them to have access to my credit file. Im paying XXXX {$24.00} each every month to keep safe from fraudulent accounts made in my name.
Consumer complaint received 2022-12-05
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. (PA)

Under 15 U.S.C 1681b - Permissible purposes of consumer reports ( a ) In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave this reporting agency any written consent to report anything on my consumer report. No consent is illegal and is considered identity theft under FCRA. I am also the CONSUMER which means under law, I am the only person able to validate any debts which I do not validate here. Because of this, I demand the deletion of the missed payments on this account : XXXX XXXX XXXX XXXX Since you are in violation of my consumer rights, I demand action to be taken immediately. If no course of action is taken immediately upon arrival of this letter, I will be filing a complaint with the Attorney General, and the FTC for identity theft on your behalf. In accordance with 15 USC 1681n you are civilly liable for damages so I will be seeking monetary relief if no action is taken immediately.
Consumer complaint received 2022-12-05
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation (IN)

Im not sure why my complaint was closed when I have 60 days to respond that's not professional at all. OneMain continues to persist that they aren't governed by federal law which is not true at all. OneMain never explained to me what how they came up with the finance charge in our agreement. Not only that but I also read that the finance charge is the sum of all charges, so how would I be paying anything more than that? I also understand that OneMain is supposed to tell me about my right to rescind this transaction and Never did. None of these right were clearly and conspicuously disclosed to me. This whole transaction is unlawful.