davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-01
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: Marlette Funding, LLC (TX)

MARLETTE SERVICING LLC, XXXX XXXX, entities, associations, affiliates have been pulling my credit report without my knowledge and authorization. I have a list of dates over the past few years when the different names have acquired my records. I understand this is an ongoing issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are also entities that did not have my expressed or written approval to have, used or any such authority to make any inquiries to my credit, credit worthiness or anything thereof.
Consumer complaint received 2022-10-10
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. (TN)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. You have really gone so far on disregarding my disputes. AGAIN, this state is unbelievable! Experian and CFPB are impassive about my complaint. I cling to sending plentiful sets of letters to Experian so the reason of we didn't get it '' doesn't occur but then its like nothing happened. They keep ignoring my requests and let this fraudulent account distress my credit score. They should be complying with the FCRA guideline section 605b but I think they are unmindful about this matter. I have already extended my obligation by sending my documents like my DL, SSN, Address and the dispute letter I sent to Experian. I have also enclosed a copy of my FTC report to them but still they have overlooked it. They became slipshod of the FCRA law and sustained reporting this information on my Credit File deprived of Proper Validation or Investigation. I am an identity theft victim ; my identity was used without my permission so why cant you understand that? I want you be responsive and DELETE this account that caused me so much trauma. 

XXXX XXXX XXXX
Consumer complaint received 2021-07-01
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In previous months I've disputed these items from my credit report and absolutely nothing has happened. I've requested the credit bureau to provide me with the data furnishing company that is reporting the information as accurate, and still nothing. I'm not aware with how and who was it that gained access to my information to open the accounts but I did not. Nor did I file bankruptcy with the courts, the information is also inaccurate and I need it removed.
Consumer complaint received 2021-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (MA)

I have a new mortgage servicer - XXXX XXXX. They are unable to provide me a loan number so I can pay my mortgage and they keep telling me to call back. We are past my due date and my transfer date. 

I just want to pay! The reason I want to pay is obviously each payment lowers the principle amount therefore the interest that is accruing is less after each payment. However, now my principle is not being lowered as I can not pay so daily interest is higher! 

The last representative just hung up on me. I've spoken to many people. All reading from a script - no information about your loan is available. Please call back tomorrow or next week.
Consumer complaint received 2022-06-24
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC (MO)

I ordered shirts from a XXXX Company ( XXXX ), that is located in XXXX, and elected to make payments using a third party payment program, called " XXXX ''. I received my first order of shirts in about three weeks. I tried one on, and it didn't fit. Since all of the shirts were Hawaiin style shirts, I didn't need to try every shirt on. I packaged the shirt in it's original package, and contacted XXXX and XXXX for a return authorization number for all of the shirts. XXXX contacted me back via email, and stated that they would give me 35 % off of my next order, if I keep the shirts. I emailed back, that I am not keeping shirts that do not fit. They emailed back, that if I return the shirts, that they might get lost or stolen. I emailed back, asking, " how would they get lost or stolen with tracking numbers and signature confirmation? '' No answer to that question, but they sent me a return authorization number, and where to send the items to, and it wasn't back to XXXX. It was some address in California. After spending {$38.00} out of pocket, to send their junk back, with tracking numbers and signature confirmation of return, I contacted " XXXX '' by email of the situation, and received the same XXXX responses from them as well. I told them that the items were returned with tracking numbers, and signature confirmation of return, and that I am not making anymore payments. I also stated that I want my money back from the previous payments. They emailed me stating that I still need to continue to make payments until they get confirmation from XXXX. I emailed stating that I am not making anymore payments, and that I'm filing a dispute with my credit card company, which I did, and received part of my money back. They emailed back asking me to send pictures of the returned items, showing the tracking numbers. As I stated earlier, everything was still in the original packaging, so not much to see, except the packaging with the postal information on the outside. XXXX asked for pictures too, showing the packages with return address and tracking numbers. I just recevied an email from a debt collector ( firstsource ADVANTAGE ) trying to collect for " XXXX and XXXX, on merchandise that I returned on XX/XX/2022. Now after being harassed by three different companies, I want the money ( {$38.00} ) back that I paid out of pocket, to return the items. Everything that I have stated in this post, is documented in black and white with all three companies, via emails.
Consumer complaint received 2022-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NJ)

As of the XX/XX/XXXX US Bank credit card statement ( closing date XXXX ) the outstanding balance on this account was {$9800.00}, all from balance transfers currently at 0 % interest with the earliest 0 % to expire as of the XX/XX/XXXX statement. The minimum payment required on this statement was {$99.00}, due by XX/XX/XXXX. There were no outstanding purchase balance as of this statement. 

On XX/XX/XXXX a payment of {$100.00} was made to this account to more than satisfy the minimum payment due of {$99.00}. On XX/XX/XXXX a charge was made to XXXX XXXX and XXXX for {$400.00}. On XX/XX/XXXX a payment in the amount of {$400.00} was made to cover this {$400.00} charge. 

The XXXX credit card statement ( closing date XX/XX/XXXX ) shows the {$100.00} payment, the {$400.00} charge, and the {$400.00} payment on the dates above, but it shows an interest charge of {$3.00} and an outstanding purchase balance to {$400.00}, with {$270.00} of this subject to interest at 14.15 %. 

The XXXX statement shows an additional {$4.00} in interest, with an outstanding purchase balance of {$400.00} and {$400.00} of this still subject to interest at 14.15 %. The XXXX statement shows and additional an additional {$4.00} in interest, with an outstanding purchase balance of {$410.00} and {$400.00} of this still subject to interest at 14.15 %. 

No new purchases have been made since the {$400.00} charge on XX/XX/XXXX, and all minimum monthly payment have been made on time since that date, yet interest keeps being charged and a purchase balance is still showing every month. 

This bank is not following the rule dictated by The Credit Card Accountability, Responsibility and Disclosure Act of XXXX, of applying all payment in excess of the minimum payment XXXX to the portion of the balance at the highest interest rate. 

Thank you, XXXX XXXX
Consumer complaint received 2022-10-10
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. (CA)

On XX/XX/XXXX I mailed certified letters to all three credit reporting agencies explaining I was a victim of identity theft. The package included a copy of my Identity Theft Report and proof of my identity, a copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information, Identity Theft Affidavit # XXXX, Drivers license, Credit report with disputed information indicated, Notice To Furnishers Of Information and Police Report. 

The information reported by XXXXXXXX XXXX in XXXX including late payments and any balances, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. The accounts were closed with a XXXX balance and were never late. The account numbers being reported were issued after I had already closed the accounts on XX/XX/XXXX with a perfect credit history for all three and a XXXX balance for all three. My credit score went from a 780 to a 540. 
All three reporting agencies have responding saying they asked US Bank the Furnishers Of Information and XXXXXXXX XXXX  has told them the information is correct. I must request this false information be re-investigated and that they block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (TX)

I did not consent to, authorize nor benefit from any of the following accounts attached is the identity theft report. I have asked for a investigation report and never received it. The law says this that it should be removed in four days and its been over four days as you can see on the FTC REPORT I sent it XX/XX/2021 and today is XX/XX/2021. 15 USC 1681-C 2 ( a ). ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Consumer complaint received 2021-07-01
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (AZ)

I submitted a cease and desist letter to Southwest Credit Systems stating that I do not want them to contact me via the fair debt collection practices act. They have tried to contact me since then and they have submitted a collection on my credit bureau after they received the cease and desist letter
Consumer complaint received 2021-11-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Portfolio Recovery made several false and misrepresenting information. Stated once I pay the debt it would be marked as paid and closed and after about XXXX days would be marked for deletion. However, this is not correct. They also say once they update it, it's up to the credit reporting agency to update it. After reaching out to several of them via XXXX and CFPB, it was clearly noted that once the data is received it is immediately processed and updated. Please refer to the complaint XXXX which clearly stated such from XXXX, XXXX, and XXXX. Also, I am providing a copy to show that not only did they lie and be deceptive, they intentionally did so.
Consumer complaint received 2021-07-01
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION (FL)

I had this vehicle voluntarily reposessed in 2019. I didn't end the Lease early. Also, the dealership, XXXX XXXX  XXXX XXXX, lied to me when they told me the second lease after the first leased vehicle was terminated and said it was a continuation of the lease.
Consumer complaint received 2022-06-27
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. (MI)

In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account number ending in XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

High Credit, Past due amount, date of last payment, last reported and payment history are not being reported factual and consistently between the three major bureaus. Account Name : XXXX XXXX I am requesting that this account not be updated and I am demanding that this account be permanently removed from my credit file. 

I have attached and highlighted the inaccurate reportings from each account that are reporting inconsistently between each bureau. AGAIN, I am not requesting an update on these accounts, I am demanding a deletion of this account and I am demanding that you not ignore my demand. 
By the provisions of the Fair Credit Reporting Act, I request that these items be investigated and removed from my report. It is to my understanding that you will recheck these items with the creditor who has posted them. I also understand that under 15 U.S.C Sec. 1681i ( a ), you must complete this re investigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. Thank you for your time and help in this matter
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (AL)

I had hail damage from a storm on XX/XX/XXXX. My roof was repaired XX/XX/XXXX. The required paperwork was signed off on by a Chase banker as satisfied and payment was made. I received a notification from my homeowners insurance company on XX/XX/XXXX that since Chase hasn't paid my homeowners insurance premium, I no longer have coverage effective XX/XX/XXXX. If payment is received within 10 days, I will be reinstated ; otherwise, I will have a lapse in coverage. I called Chase the day I received the letter and spoke with a rep in their insurance department. The long and short of it is someone within Chase deemed my house a " demolished property '' and therefore, they do not collect an insurance premium for a year while the house is supposedly being rebuilt. All I had was roof damage. It was never demolished. Their rep told me he has been a banker with Chase for 11 years and has " never seen this level of incompetence '' and used the words " flabbergasted '' and " egregious error '' repeatedly during our conversation. He also told me that he was escalating my case and a supervisor would contact me w/in 24-48 hours. Of course, no one has. I called again today and " a supervisor was not available '' and I was given another 24-48 hour window within which to expect a call. The rep also told me that it would not be my responsibility to fund the insurance payment and that Chase needed to re-establish the escrow account, fund it and get my insurance reinstated immediately. Obviously, they have zero sense of urgency since none of that has happened.

This is not the first bad experience with Chase since my mortgage was sold to them last XXXX. In XXXX of this year, I wanted to make an additional escrow payment and instead of withdrawing the additional amount I wanted to apply, they withdrew more than double the amount and coded it as XXXX mortgage payments. I was also told that I could not set up auto payments with them and had to specify dates and amounts to be withdrawn so that I could make an additional payment on my mortgage by the end of the calendar year. That proved to be false, but the level of ineptitude demonstrated by the people I have dealt with at Chase is absolutely horrifying to me since they have ready access to my money. That case was also escalated and took 2 weeks to resolve. 

I have contacted the lender who refinanced my loan and begged them that if they had any say as to who bought mortgages from them, to NEVER let Chase buy another mortgage and told him what had happened. Unfortunately, they can't control that but if there was any way I could get my mortgage away from Chase at the same interest rate, I would have done it. They are the absolute worst bank I have ever had dealings with.
Consumer complaint received 2021-07-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NJ)

per complaint # XXXX, American Express has stated they have issued a credit of {$530.00}. This is incorrect. American Express only issued a credit of {$310.00} to our account and then refilled us for it in the next billing cycle. 

To begin, I filed complaint # XXXX with the CFPB and a similar complaint with the Attourney General of Texas. 

In response to the complaint filed with the CFPB, American Express stated they have credited my account in the amount of {$530.00}. I then received a letter from American Express on XXXX XXXX stating the following : " ... we have issued a permanent credit for the amount of {$310.00} ... that will appear on ( our ) upcoming statement '' They failed to credit the full {$530.00}. 

HERE 'S MORE FRAUD, on XX/XX/2021 I received a letter from American Express stating " We received notification that the charge ( of {$310.00} ) no longer concerns you. Since you no longer dispute the charge we have removed the previously issued credit ( s ) and rebelled your account for {$310.00} ... '' I NEVER GAVE ANY CORRESPONDENCE INDICATING THIS.

American Express is NOT refunding me the two charges per complaint XXXX. They responded to the CFPB that they have credited my the full amounts of {$310.00} and {$220.00} for a total of {$530.00}. 

THEY LIED. 

I am being defrauded. I have called over a dozen times and American Express will not resolve the issue. 

THEY LIED TO ME, MY WIFE AND THE CFPB. 

I believe this to be INTENTIONAL and PERVASIVE practices that DEFRAUDING CUSTOMERS AND CAUSING HARM. 

I would wager a bet that these are both criminal and civil in nature. I would also have a VERY strong inclination to believe that this could be large enough to constitute a class action lawsuit.
Consumer complaint received 2022-06-24
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)

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. FDCPA Section 807 Violation Misleading False Reporting XXXX Account Number : XXXX Please remove it from my credit report. 
2. FDCPA Section 807 Violation Misleading False Reporting XXXX  Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2021-07-01
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: EQUIFAX, INC. (TX)

My personal information was exposed in several data breaches, bank & credit was compromised, resulting in accounts being closed. All documents were sent via certified mail to the credit bureaus to request items be deleted from credit reports. As of yet, I have not received a response from documents dated XX/XX/2021.
Consumer complaint received 2021-07-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC (FL)

I am not liable for this debt with XXXX XXXXXXXX XXXX  XXXX XXXX and I do not have a contract with ALDOUS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$220.00}
Consumer complaint received 2022-06-24
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Dear Experian, XXXX XXXX I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name : XXXX XXXX  XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX