davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-01
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: CBC Companies, Inc. (SC)

This is my seventh attempt to notify you noticed that your agency is in multiple violations I am in the process of refinancing my vehicle, and I was denied due errors on my credit report. Im entitled to monetary compensation under FCRA 15 US Code 1681i ( 6 ) Notice of Results of Reinvestigation and Under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated.

I am asking that you please delete as these alleged hard, soft or promotional inquires we not authorized by myself, which means that these inquires ( again hard, soft, promotional ) or otherwise are fraudulent, which means the information can not be validated per 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) under transitions not initiated by consumer. 

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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wish you to permanently remove these ALLEGED MEDICAL/COLLECTION ACCOUNTS delinquency and or the derogatory claim ( s ) of information below listed is, as reported, erroneous account is direct violation of 15 USC 1681 Reporting Incorrectly. Demand you to remove this account from all 3 of my credit reports XXXX XXXX XXXX - Account number : XXXX This account is closed, yet it keeps reporting alleged late payments. This is not right and is a violation of my rights. These old/closed accounts that are still being reported Inaccurate. Also, these old/closed accounts where never validated per 15 US Code 1692g, 1692g ( a ) ( 2 ), and 1692g ( a ) ( 3. I demand you to remove this account from all 3 of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report. 

XXXX XXXX XXXX  - Account number : XXXX Lastly, XXXX XXXX XXXX XXXX XXXX Account number : XXXX is reported late payments, this is a computation error or similar error of an accounting nature of the creditor on a statement. There is no hard solid proof from the creditor bank account that i didn't pay and was marked late because this clearly a billing error.
Consumer complaint received 2022-10-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc. (AK)

Re : Cornerstone Credit Services.L.L.C ( XXXX ) I have spoken to representatives at Cornerstone regarding notices to pay client XXXX XXXX XXXX the total amount of XXXX regarding statement XX/XX/2022. 
When I called the Cornerstone representative today, XX/XX/2022, they notified me the total in now {$180.00}. Even though I still have not received a bill from XXXX  XXXX. I called XXXX  XXXX  today and I paid my bill directly and paid the {$150.00} bill. ( paid on XX/XX/2022 ref # XXXX ) On XXXX, XXXX Cornerstone sent a notice on behalf of XXXX XXXX XXXX for the amount of {$44.00}. I also paid them directly. ( attached statement paid on XX/XX/2022 ref # XXXX ) Cornerstone wanted me to pay the {$44.00} and {$180.00} today. One amount has interested applied and the other does not. 

When I last spoke to Cornerstone I was told the total amount included both the {$44.00} and {$150.00} to get me pay the {$180.00} that the XXXX XXXX statement was at the time knowing the {$180.00} would not cover the {$44.00} amount. 
Both attached statements are from Cornerstone Credit Services. 

Cornerstone wanted me to pay a total of XXXX today but I declined stating both Alaska XXXX XXXX and XXXX XXXX have been paid. The statements attached are the only Cornerstone Statements I have received. They informed me the interest will be billed to me. 


Please Advise
Consumer complaint received 2022-10-28
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. (LA)

I FILED A CFPB COMPLAINT XXXX. EXPERIAN RESPONDED TO MY COMPLAINT ON XXXX. 
Experian only referred my dispute to data furnishers for investigation. Experian then engaged in XXXX, a practice of blindly adopting the response of a data furnisher without conducting any independent investigation. This is a FCRA violation. Experian only conducted XXXX XXXX investigations and ignored the documents and information that I submitted. This is a violation of the FCRA because Experian was required to conduct their own independent investigations of my consumer disputes. Data furnishers, the providers of credit information, such as credit card companies and lenders have been cited in the past by the CFPB for conducting insufficient investigations. The CFPB has cited Experian for accepting these findings without an independent investigation. Experian is in violation of 12 U.S.C. 5534 ( b ) ( c ) ( 1 ) because they did not adequately respond to my CFPB portal complaints. Experian has violated the FCRA Section 607 ( b ) and 15 U.S. Code 1681e ( b ) by failure to use reasonable procedures to ensure maximum accuracy. Pursuant 15 U.S.C. 1681e ( b ) requires EXPERIAN MUST USE " reasonable procedures '' to assure the " maximum possible accuracy '' of information. Experian has knowingly, willfully, and negligently violated my consumer rights and the FCRA. Experian is guilty of complete negligence and failure to adhere to FCRA mandated dispute procedures. Experian is also in violation of a CFPB Supervisory Order. Pursuant to 15 U.S. Code 1681s2 Experian has a duty to ensure that they are reporting accurate information. Experian is in violation of 15 U.S.C. 1681i for failure to conduct a reasonable investigation to determine whether disputed information is accurate.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (HI)

Section 605B of the Fair Credit Reporting Act ( FCRA ) allows consumers to block fraudulent information from their credit reports when they are victims of identity theft. Heres a quick overview of how it works : Identity Theft Report : If someone is a victim of identity theft, they can file an identity theft report, typically through the FTC 's website or a police department. This report provides evidence to the credit bureaus. 

Request to Block Information : With the identity theft report in hand, the consumer can then request that the credit bureaus block specific fraudulent information from their credit report. This information may include accounts opened fraudulently, unauthorized charges, or other erroneous data resulting from identity theft.

Credit Bureau Obligations : Once a credit bureau receives this request and a valid identity theft report, it is required to block the fraudulent information within four business days. This ensures that the fraudulent account or data does not impact the consumer 's credit score. 

Limitations : Credit bureaus can refuse or rescind a block under certain circumstances, such as if the identity theft claim is fraudulent or if additional verification indicates the information is accurate. 

By filing under Section 605B, consumers can protect their credit scores and financial records from the long-term effects of identity theft.
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I called capital one about some fraud charges that were made to my account, in the amount of XXXX XXXX they did there job in issuing a new card and helping me initiate the claim, after 8 days of waiting and waiting I called again to check status of claim, still was in review and capital one said 3 of the 7 charges were already approved, today I get a email that my claim was denied. And the only reason stated was we did not find no errors, when I'm a client and I'm reaching out to report these transactions how is it capital one found no errors, don't make sense. My claim was denied and the theifs took of with almost my whole paycheck, capital one did not even bother to temporary credit my account while they did investigation, and now I get a denial notice. I'm reaching out to the consumer protection department here, to see if they have any way to try to help me get my money back from capital one. Capital one is a big bank and can bear a lost like this me and my family are struggling to meet ends meet, and can not take a bear like this, so please reconsider my claim. When I opened capital one bank my money should have been safe and not stolen from me, banks need to understand the difficulties we are facing and how much these acts are affecting its customers. Thank you and hope to hear from you soon. Or Capital One Bank. 
Transactions amounts and dates : 1. {$190.00} - XXXX XXXX, 2022 2. {$120.00} - XXXX XXXX, 2022 3. {$21.00} - XXXX XXXX, 2022 4. {$45.00} XXXX XXXX, 2022 5. {$67.00} XXXX XXXX, 2022 6. {$19.00} XXXX XXXX, 2022 7. {$10.00} XXXX XXXX, 2022 Total was {$490.00} Claim number is # XXXX
Consumer complaint received 2022-10-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

Hello, I'm writing this to complain about my loan service provider Edfinancial services. I called on XX/XX/2022 to submit refund request for my student loan payment. The representative told me verbally that request has been submitted however there was no written confirmation. EdFinancial is giving ranges months to a year while other service providers are processing within 4-6 weeks and sometimes within 2 weeks. The wait time is too long and unacceptable. 
As of XX/XX/2022, it looks like my loan balance has been adjusted on my account but my payments have not been refunded. 
I'd like my refund please. 

Thanks,
Consumer complaint received 2022-10-28
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Minto Financial dba Minto Money (FL)

How are you? I made a loan of {$1300.00} and I was paying on time, just as they told me, every Friday an installment of {$120.00} and I had advanced XXXX installments, which is a total of {$2000.00}, and I am surprised to check my account statement, which I still have to pay. pay for having lent me {$1300.00} this amount. 
The outstanding balance owed for your loan is {$5800.00}.
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (NC)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 


Dates : XX/XX/XXXX, and XX/XX/XXXX XXXX
Consumer complaint received 2022-10-28
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I just received my first letter from XXXX XXXX XXXX after being told my new account with XXXX XXXX has been suspended. I have never made a withdrawal, just an ACH transfer ( to be paid by a company for contracted work. ) USAA is stating that on XX/XX/XXXX I had an incident that led to a principal loss of {$3900.00} from account abuse. Never have I ever used USAA for banking. This is not me and I would like to settle this. There seems to have been 17 ACH transactions all dating to XX/XX/XXXX, all with transfers less than {$11.00}. I do believe someone has taken my information and manipulated it for their own wellbeing!
Consumer complaint received 2022-10-28
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: General Motors Financial Company, Inc. (GA)

In light of recent investigation upon XXXX, I find that my consumer file is being irresponsibly tampered with. Over the past few months I have made several attempts to remind XXXX of their duty pursuant to 15 USC 1681. It appears that they have intentionally and willfully been neglecting remedying my affairs. 15 USC 1681e ( b ) states that I am due, promised accuracy in my report based on federal law. 

I did not apply, nor ask for credit, nor did I give permission to this company to run my credit, place a hard inquiry on my credit file, or furnish any inaccurate information.
Consumer complaint received 2022-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation (IL)

XXXX XXXX XXXX XXXX. Personal Loan XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX T : XXXX XXXX I recently changed jobs from XXXX  XXXX at XXXXXXXX XXXX .... So, I started working in XXXX  at a XXXX XXXX XXXX and XXXX  for XXXX at the XXXX  XXXX XXXX ( which is two part-time jobs to supplement a full-time income ). I wanted to see if I qualify for a personal loan to pay my rent + pay down my credit but mentioned the reason as " debt consolidation ''. However, the Representative offered a balance of XXXX {$1500.00} loan that could be paid off in 3 months ' time<b> at an incredibly high APR rate of 39 % at XXXX installments ( that's interest {$3000.00} ). Says, " bring paystub in 14 days '' and " file will close out after 21 days '' ... consumers like me are taken advantage of when in desperate circumstances, I experienced that before paying down a {$5000.00} interest payday loan to pay my student balance at XXXX University, and I am like not going there again. This time around I consistently looked for what is best. Instead, I deposited two paychecks into my XXXX XXXX commercial savings account totaling in the amount of about {$1200.00} and brought down my credit utilization rate by paying in full 2 credit card debts. 

I have a credit line of XXXX and on-time payments of 100 % past 3 years of credit history and a borrowing power of {$17000.00}. I am sure another person in a different income bracket would have better treatment, and I mean treated in a fair manner by ONE MAIN FINANCIAL. 

XXXX XXXX approved an {$8600.00} personal loan at a lower APR after checking my employment. I would like ONE MAIN FINANCIAL to REMOVE that HARD INQUIRY, please.
Consumer complaint received 2022-10-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (FL)

As of XX/XX/XXXX Fox Collection Center XXXX XXXX XXXX XXXX TN XXXX XXXX is in violating in accordance with s.1629e ( 8 ) of the debt collection practices act, which clearly states that any information known to be false, can not be reported to any credit bureau , I request that you immediately delete this information from my credit reports. 
USPS # XXXX, Reference : XXXX, Acct : XXXX, Dispute non-responsive after 30days, I enclosed a copy of my dispute letter USPS # XXXX requesting validation through two points of contact. First by electronically mailed and then through certified mail, in which Fox Collection Center have failed to respond to either one. 

First, you received the electronic mail on XXXXXXXX XXXX through the CFPB complaint database and failed to provide proof of validation within the 30 days. 

Second, you received another copy by certified mail on XX/XX/2022 requesting validation. 
Even so, you have failed to respond to either request. 
This letter dated above shows it has been more than 30 days and FOX COLLECTION CENTER have failed to validate show any proof within the 30 days even with the given grace period to respond by mail. 

Please send me a copy of my updated credit report as soon as the above has been completed. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-10-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GREATAMERICA FINANCIAL SERVICES CORP. (CA)

I contracted to have a phone system installed at my business. I thought that I was contracting directly with the installer, I did not realize at the time, that the equipment was leased and that the contract which I signed included a separate 5 year lease for the cost of the equipment until I began receiving bills from Great America Financial Services.

Great America has made it very difficult to process my monthly payments. They will not allow me to put the payments on a credit card, they email my statement and I have to send payment by mail, which they don't process before a late fee is incurred. The payment amounts vary monthly, so I can not set up a recurring payment. Although I am one entity, they structured the account as 2 separate accounts so if a payment is late, I incur 2 late fees of {$28.00} per account. They have suggested that they can take automatic payments from my bank account but I feel that this company is unethical and do not want to grant authorization for them to access my bank account. My last payment, which was mailed on XX/XX/2022 did not clear until XX/XX/2022, which indicates that they are not processing the payments in a timely manner.
Consumer complaint received 2024-02-02
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: EQUIFAX, INC. (CA)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2022-10-28
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc. (NC)

Please help me at Caliber Home Loans. everyone I speak to is trying to help but simply can not provide the necessary info. I need to have a simple letter / email drafted by your company saying one of the Lein mortgages ( one filed incorrectly by Caliber ) will be released from docs already submitted to and by you and even sent to me via an agent of yours. I am on day 18 of being in contact with your single point of contact and even a level 2 Mgr ( XXXX XXXX XXXX ) who is by the way amazing! ) Everyone seems to be doing all they can but no one is owning this. I dont understand how hard it can be to simply write an email to me explaining one of the mortgages above was and will be released? I just left the hospital and is still under doctors care, in bereavement, unable to work, going thru potential divorce, trying to close out a home after simply using your Covid forbearance Im at wits end. And I have worked within XXXX XXXX  for years at the XXXX and XXXX level. I cant imagine if this was someone else. By the way, kudos to your agents/ reps/ mgmt etc who tried all they could but simply were not able to provide a statement that caliber even plans to release the partial claim leins filed under FHA case in XX/XX/2021 and XX/XX/2021.
Consumer complaint received 2022-10-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC. (TX)

Receiving daily solicitations from private vendor relating to Equifax. Name changes but all seem tied to XXXX. You hit Block sender and a new name appears XXXX sender of this XXXX Get Your New XX/XX/2022 Scores Right Here When Last Have You Checked Your Scores? 

To see your XX/XX/2022 from XXXX, XXXX and Equifax Reports in one easy to read report go Right Here Great Scores Press Here To See Your Scores Now Checking your credit will NOT harm your credit scores! 








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Consumer complaint received 2022-10-28
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. (VA)

I received two notifications from the Experian Credit Bureau showing that I applied for a credit card with XXXXXXXX XXXX XXXX 

Here is the information and dates for both applications : XXXX. First inquiry date was on XX/XX/XXXX with a removal date of XX/XX/XXXX The application was for a XXXX XXXX XXXX XXXX XXXX XXXX. Second inquiry date was on XX/XX/XXXX with a removal date of XX/XX/XXXX The application was also for a XXXX XXXX XXXX XXXX XXXX Here is the contact info for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX As you can see both applications were submitted 17 days apart which should have been a RED FLAG for XXXXXXXX XXXX XXXX that someone was using my information to obtain a credit card. I have a fraud and Identity theft alerts placed on file with each of the three credit Reporting Agencies : Experian XXXX XXXX and XXXX and so far the only agency reporting this on my credit report is Experian Credit Bureau. 

I filed a fraud complaint with both XXXX XXXX XXXX and Experian Credit Bureau Thanks for your assistance