davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-12
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. (GA)

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 Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  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 2015-08-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I charged XXXX dollars on my credit card for a procedure the merchant in return charged my card XXXX I disputed the XXXX and capitalone have me a tempery credit made me fill out paperwork and send in my receipt which I did for the XXXX charge now they said the merchant repliled and sent them a receipt with is not even my signature for a charge of XXXX and they ca n't do anything else because I do n't have a cash receipt for the XXXX I paid in cash I sent them a letter in from my grandmother who paid the {$3000.00} cash on the day of the procedure along with my {$500.00} receipt for the charge and they told me they need proof that the XXXX was paid in cash from the merchant if the merchant was trying to rob me which it seems like he is then why would he give me a receipt for the XXXX cash I was rushed in the XXXX under XXXX and could not even think when I woke up this is crazy my XXXX year old grandmother handed XXXX in the off cash the day of the procedure for me I do n't know why capitalone is worried about the cash part when I sent them my proof and receipt for {$500.00} authorizing only XXXX and when they said they had a signed receipt from me from the merchant for XXXX I said the signature was fraud they said they ca n't mark it as fraud because I gave them my card this is insane I 'm not paying {$7000.00} for a XXXX dollar procedure I will sue capitalone and XXXX there not helping me obviously the merchant is trying to rob me
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

This letter is dispute to a collection account from Portfolio Recovery Associates that has been in my credit files for several years. The Original acccount is from XXXX My problem is that this same collection item from Portfolio Recovery has been consistently re-reported to my credit file every few months since XXXX, as if to give the impression that this collection has JUST happened each time, most rexcently on XXXX/XXXX/XXXX. I know that collection agencies, specifically Portfolio Recovery does this re-reporting of the same account because new collections on a credit report causes a dramatic drop in your credit scores. I also know that this is a tactic that some collection agencies use to force customers to contact them. This new activity has been even more aggressive because this item has almost reached its date for removal from my credit fle. The problem is that this is a violation of the Fair Credit Reporting Act, and it is illegal. 
This collection account is scheduled to continue on record with XXXX until with XXXX XXXX until XXXX XXXX, and XXXX until XXXX XXXX. 
I have been meticulous in making sure that i resolve all issues that are resolvable to get my credit scores back up, however on this particular account every time i get into the XXXX ranges Portfolio Recovery re-reports this item for a XXXX point or more reduction in all my scores. This is not fair and the satatus has not changed
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: GOLDMAN SACHS BANK USA (IL)

In accordance to the fair credit reporting act, this creditor, XXXX XXXX, Goldmansachs and XXXX XXXX has violated my rights under 15 U.S C 16 section 602 states I have the right to privacy. 15 U.S C 1681 section 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S C 1666 ( b ) a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (CA)

Hello, I have been receiving letters about a debt that I supposedly owed. I have been receiving these letters for approx. 3 years now. This was identity theft. I made a complaint with XXXX XXXX Sheriffs in 2023. I have sent you this... twice. Plus, I filled out the required paperwork... twice. I continue to receive letters about this debt. 

XXXX XXXX
Consumer complaint received 2024-09-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AR)

On XXXX XXXX, I notifies USAA that someone had illegally taken {$4600.00}. 0ut of my saving Account. USAA said they would investigate and get back to me. After not hearing anything after a couple of days I called and finally was able to talk to a women in their fraud department.

She stated that a person by the name of XXXX had gotten information about my account from my phone and had used it to transfer money to his account after which he closed it. I don't know anyone named XXXX and I have never given anyone access to my accounts except my wife who also states that she doesn't know anyone named XXXX. 

On XX/XX/2024 I received a pdf transmission from USAA stating they had tried to retrieve the funds but had been unsuccessful and were closing the investigation.
Consumer complaint received 2024-09-26
Product: Credit 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: GOLDMAN SACHS BANK USA (MO)

I purchased an event XXXX XXXX XXXXXXXX on XX/XX/year> for {$100.00}. I never received an receipt, a confirmation email, or any communication through XXXX. I reached out to XXXX via their help center and was instructed to reach out to the third-party event organizer. There was nothing XXXX could personally do. Even though I have bought tickets before via XXXX and received them. 

The event was hosted by a company called " XXXX, '' which is the third-party organizer. They had no email or way to contact other than a " Contact '' tab on their website. I filled out the information and sent a message of my issues, attempting to receive my ticket. I never received a response or an automated email that it was received. I attempted twice. 

This is when I escalated to the credit card company. Apple Card. They have been unhelpful, unwilling to listen, and are consistent on that I am not providing enough evidence and that their investigation claims I am at fault here. I have provided what I have. 1 ) an automated email from XXXX. 2 ) a picture of my ticket inventory. 3 ) the contact form at XXXX.
Consumer complaint received 2024-09-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXXXXXX {$200.00} XX/XX/year> 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-12
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. (CA)

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 Account Number : XXXX Account Name : 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 2024-10-12
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. (AZ)

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 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 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 2017-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC (OH)

I spoke with a representative at TSLHS XXXX : XXXX and requested information on the XXXX XXXX XXXX program for repayment options. The rep explained he could review my info and suggest whether I would qualify and send paperwork for the fee equal to one student loan payment ( {$640.00} ). They sent the paperwork. I completed and filed with Department of Education. They then informed me that all their paperwork and services are 100 % free and that I had paid a 3rd Party who is not in any way affiliated or authorized on their behalf to distribute paperwork to send me free documents. 
I called TSLHS to request a detailed explanation and refund based on ethics and a lack of verbal communication of this info and was denied. They simply routed me back to their website which explains things in detail. However, I was not explained this on our call and it is unethical to fall back on disclaimers posted on a site when the contact was via live call. 
The rep at TSLHS created such a sense of urgency within our call that when I asked if I could mull over the offer ( sending me paperwork via mail for {$640.00} ) and do a little research, he indicated to me that I should rush on my actions because once XXXX became president the Forgiveness Plan ( XXXX XXXX XXXX ) may no longer be available. So I completed the paperwork on the call. 
I am disheartened that a company would take advantage of people like myself who are only seeking to pay their student loans. It is assumed ( generally speaking ) that loan details are confusing for many and they prey on that fact. If at any time he would have explained that I could download forms on my own or directed me to the disclaimer on that call, I never would have spent my rent money on their " service ''.
Consumer complaint received 2024-10-12
Product: Credit reporting 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. (IL)

I am filing a complaint against Experian for unauthorized credit inquiries on my credit report. Specifically, the inquiries from XXXX XXXXL and XXXX XXXX XXXX XXXX on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXXwere not authorized by me. Despite disputing these inquiries directly with XXXX, they have refused to remove them. 
This action violates the Fair Credit Reporting Act ( FCRA ), particularly : 15 U.S.C. 1681i ( a ) : Requires consumer reporting agencies to investigate disputes regarding the accuracy of information on a consumers credit report, typically within 30 days.

15 U.S.C. 1681b : Defines permissible purposes for accessing consumer credit reports, none of which include unauthorized inquiries. 
15 U.S.C. 1681s-2 ( a ) : Obligates furnishers of information ( like XXXX ) to ensure the accuracy and integrity of the data they provide.

These unauthorized inquiries are adversely affecting my credit score and financial well-being. By refusing to remove these inquiries, Experian is not only neglecting its duty under the FCRA to maintain accurate and authorized information but is also infringing upon my consumer rights. 
I request the FTC to investigate this matter and ensure that Experian complies with the FCRA by : 1. Removing the unauthorized inquiries from my credit report.

2. Implementing measures to prevent future unauthorized inquiries.

3. Providing assurance that Experian adheres to all relevant provisions of the FCRA to protect consumer rights.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2017-03-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (ID)

I received a DELINQUENT TAX NOTICE dated XXXX/XXXX/XXXX concerning parcel # XXXX, which is in XXXX XXXX, Idaho. ( I do n't own any land in that county and never have. ) I made a copy of the notice and sent it to the mortgage company asking for an explanation. No reply was made. 
A Escrow Account Disclosure Statement, dated XXXX/XXXX/XXXX, was sent to me indicating a much higher mortgage payment will begin in XXXX XXXX, as a result of failure of me to pay taxes on the property in XXXX County that I do n't own. 
I 'm trying to get the mortgage company to recognize their mistake, but do n't seem to be having success.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human XXXX  of XXXX XXXX and would like for all listed account to be blocked and deleted company information from Experian. 

Please delete the following account : XXXX XXXX XXXX XXXX Balance : {$1100.00}
Consumer complaint received 2024-09-25
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (VA)

My mortgage was sold and the payment increased and I was not notified of the changes. When I called the representative stated they did not have to tell me about the increase tha t I needed to go on the portal to view. I was not aware of the changes until I called to make your payment because I did not receive a billing statement. 

I advised several times that I did not use the portal and would like paper statements to no avail. In addition, I am a XXXX  and the payment change is causing a hardship as I can't afford the payment increase. No one has tried to assist or provide me with the available options.
Consumer complaint received 2015-08-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (AZ)

Ocwen has been sending me payoff quotes with incorrect ( double ) charges for interest and a ficticious " satisfaction cost '' of XXXX $ just to pay-off my loan. In none of my original loan documents is this a required cost. I would also note that on the previous payoff quote from last month the interest has approximately XXXX that of what it is now and greater than my current montly payment.
Consumer complaint received 2017-03-02
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: JPMORGAN CHASE & CO. (OH)

I had a lease through Mazda Capital which is ran by Chase Bank. The lease was ending and I turned the car in at the dealership and notified Mazda Capital. I checked on my online banking and it said that automatic payments were turned OFF. On the payment due date they deducted another payment from the bank account that WAS NOT OWED because I turned the car in and ended the lease. I called Mazda Capital/Chase about this on the day the payment occured and they assured me that I would get a refund within a week. After a week had passed I called again and was told that the refund was denied because they will not issue the refund until they completely close the lease account and send the end of lease bill. I was told this end of lease bill can take 30 to 90 days to generate so that means they will have been holding on to a payment that should never have been made for months! I called and pleaded with them that I need this money back - I spoke to a supervisor and they do not care. I was told there is nothing that they can do for me other than wait. This is not right! I need this money to pay my bills and I never owed this money. I turned the vehicle in a few days before the lease ended, there was no more money due on the account. Please help me. I would have attached documents to this complaint, however my online account disappeared from my online profile right after I called and complained so now I have no access.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (SC)

I dont know who Im supposed to talk to, but Im tryna buy a house, and yall got this account marked as disputed. Thats messin me up, and I need it gone today. Why yall keep messin with peoples accounts like this? This dont make no sense at all.