davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I XXXX XXXX have attempted to explained to Capital One since XX/XX/XXXX that we are going thru a very difficult times and our biggest problem is our Financial hardship due to the Covid-19 Shut Down. We have attempted so many times to explained to Capital One that we need to reduced our interest rate that have cause to be very dificult to pay our monthly payment. The only thing they offer just not to pay this month but following month I can pay the late fees which I rejected. The final offer they gave me is that I can pay {$620.00}. for 6 months at the interest rate of 9.99 % after the six months they will increase back the same interest rate. We are presently suffering so much loss on our business due to the decrease of clients that also suffering the Covid-19 situation which we are still under the Covid-19 which has not ended. I am looking forward to a permanent resolution for my 2 XXXX Credit Cards that I have with Capital One. Have been a very good customer since XXXX and never have been late and never have requested any kind of help from them. By reducing my account to a permanent interest rate and reducing the amount it will be very helpful and not be in a risk to have to file Bankruptcy for me is trying to settle with my Creditor. Please I need help with this 2 Credit Cards with Capital One.
Consumer complaint received 2021-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (CA)

MRS BPO LLC. Said that I opened an account with XXXX XXXX XXXX on XX/XX/XXXX, of 2021 which is not true. I do have XXXX XXXX XXXX, but I've been with them for 2 years now. These people keep hitting my credit for something I didn't open this year. And calling like crazy saying I owe them {$1400.00} dollars. Please can u help me.
Consumer complaint received 2021-02-19
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: CITIBANK, N.A. (SC)

Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To : Best Buy Credit Services Best Buy Credit Services is in violation of the Fair Credit Reporting Act ( FCRA ), 15 usc 1681, for unlawfully obtaining my XXXX  report on XXXX XXXX XXXX  without my authorization or a permissible purpose under FCRA. See 15 usc 1681b. Specifically, the FCRA provides, A person shall not use or obtain hey consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681C of this title buy a prospective user of the report through a general or specific certification. 15 usc 1681b ( f ). Chester v. Parvis, 260 F. Supp. 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with Best Buy Credit Services. Further I do not have an account as defined under 15 USC 1693a ( 2 ) with Best Buy Credit Services for review or collection.

Furthermore, under the FCRA, Any person who knowingly and willing fully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than two years or both. 15 usc 1681q.

As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00} ( 2 ) punitive damages and ( 3 ) costs of litigation together with attorneys fees. 15 usc 1681n ( a ).

For the sake of judicial economy are you willing to settle this matter without any admitted liability I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist obtaining copies of my consumer report from the consumer reporting agencies and two pay me {$1000.00} and deliver it to my address within 14 days of receiving this demand. 

please be advised that I am prepared to litigate this matter if you do not comply with this demand. upon timely receipt of the {$1000.00} payment this letter shall be a general release of all claims herein.
Consumer complaint received 2021-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (GA)

on XX/XX/2021, I sent NATIONAL CREDIT SYSTEMS , INC 2 LETTERS ( ONE TO MAIN AND CORP. OFFICES ) REGARDING THE ALLEGED DEBT OF XXXX THAT I DO NOT OWE.IT HAS BEEN OVER 30 DAYS AND I HAVEN'T RECEIVED ANYTHING FROM THEM CONCERNING THIS INACCURATE INFORMATION. ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it
Consumer complaint received 2024-10-17
Product: Credit reporting 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 sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 XXXXXX/XX/year>
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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.

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 2021-07-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

a Federally protected consumer under title 15 chapter 41 ; Pursuant to subsections ( a ) and ( b ) of 15 USC 6802 prohibit the disclosure of my nonpublic personal information without my consent, I NEVER GAVE Transunion my written consent to report anything on my consumer report 15 U.S Code 6802 ( a ) and 15 U.S Code 6802 ( b ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k. A copy of the law is attached with this dispute letter. 

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX  ( Tracking # XXXX ) The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

XXXX ( XXXX # XXXX ) The item was delivered at XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

Transunion ( Tracking # XXXX ) The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX 

In my attached files are copies of the law.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IN)

PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.
Consumer complaint received 2021-02-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

Around the middle of XX/XX/XXXX I received a U.S.Bank Reliacard Visa Debit card in the mail. I did not sign up or request this card, nor any other cards. I did not activate this card because I was not sure what it was. After doing research, this particular U.S. Bank Reliacard is part of a huge unemployment scam resulting from the Corona Virus Pandemic. I have contacted several government agengies and submitted complaints. I have spent numerous hours in research, calls, inquiries, emails and appearances regarding this U.S. Bank Reliacard. I have also had to put a freeze and fraud alerts on my credit reports. Someone has tried to use my identity to fraud the government for unemployment benefits resulting from Covid. At the beginning of XXXX I received a 1099-G for Government payments from Ohio Department of Job and Family Services with my information showing that I had received unemployment compensation in the amount of {$8400.00} that needs to be filed with my XXXX tax return. At no time have I EVER SIGNED UP FOR UNEMPLOYMENT - NOR HAVE I EVER RECEIVED UNEMPLOYMENT FUNDS OR BENEFITS.
Consumer complaint received 2016-04-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (CA)

MY HOME IS IN FORECLOSURE AND I AM IN THE TRIAL MAKING PAYMENTS I BEEN SAID OVER THE PHONE THAT THIS IS NOT ACTUAL INFORMATION BUT I STIL IN FORECLOSURE ( DUAL TRACK ) THE SERVICING COMPANY IS TAKING THE PAYMENTS ( 2 ) AND I DO NOT UNDERSTAND THEIR PROCEODURES BECAUSE THEY SAID WHAT I SEE IN THE INTERNET IS NOT REAL
Consumer complaint received 2021-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (KS)

I was banking with Simple which is a part of BBVA USA and had fraudulent activity on my account. I have tried multiple times to submit tickets and report it, but have yet to receive any feedback other than robo replies. I can not get a bank statement from them, but was able to look thru my transactions and write out the following charges that were not made by me whatsoever : XX/XX/2020 XXXX - {$100.00} XXXX  XXXX  - {$74.00} XXXX - {$19.00} OF - {$100.00} XX/XX/2020 XXXX  XXXX  - {$74.00} XX/XX/2020 XXXX - {$100.00} XX/XX/2020 OF - {$20.00} XX/XX/2020 XXXX XXXX  - {$19.00} OF - {$14.00} XX/XX/2020 OF - {$50.00} OF - {$20.00}
Consumer complaint received 2021-02-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: FIRST PORTFOLIO SERVICING INC (OK)

During the later dates of XXXX, I received a few letters informing me of a court case regarding my private student loan via 'Peaks Private Student Loans '. I continued to pay my loan as always, but then I received a letter from Peaks stating that my private loan had been settled, and that I no longer would owe on this private loan. At the time I found out this information of no longer owing a balance, I had payment that went through an ACH transaction with my bank that I had previously set up to make every month, in the amount of {$77.00}. According to the settlement paperwork, it states 'Vervent will reject or return any payment on your Peaks Loan that is received after XX/XX/XXXX. I then waited a bit to see if I ever saw a refund on the {$77.00} that was debited from my account via ACH, but I never received the refund. So on XX/XX/XXXX I spoke to Peaks Loans, and did as XXXX requested by emailing a bank statement with the withdrawal information, and a trace number the bank provided me for this {$77.00} payment. I was informed I would hear something back, but did not, so I then contacted them again on XX/XX/XXXX. I also spoke to XXXX with Peaks Loans this day, and he wanted me to verify that indeed my payment was made ACH, so I called my bank again and verified that it was ACH withdrawn on XX/XX/XXXX. With this information I called Peak Loans back and advised them again, that it was an ACH withdraw and XXXX then placed an email to his supervisor, and once he heard something back from them, then he would let me know. On XX/XX/XXXX, I contacted Peaks Loans again and spoke with XXXX, and reassured me he had sent this email and he hadn't heard anything back, so I was to wait to hear back from them. Then on XX/XX/XXXX, I decided this was enough time, and called Peaks Loans yet again, and this time I spoke to XXXX again, and he was at a loss and tried to give me a number to call, which in fact was the same phone number in which I had just contacted him at, so that didn't go over very well with me. He then said I needed to call back in 30 minutes because his supervisor was trying to figure out who and where I needed to take this issue to. I then called back 30 minutes later, to get XXXX back on the phone and for him to advise me I would need to reach out to the 'Bureau of Consumer Financial Protection ' that there was nothing more that Peaks Loans could do for me, he also provided me with the state attorney generals name and email address. So I am starting off here by filing a complaint, to see if you all are able to follow through with getting my XXXX payment refunded to me, as the settlement letter stated.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (RI)

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 XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-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 XXXX XXXX of XXXX XXXX and would like for all listed account to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following account : XXXXXXXX XXXX  ( Original Creditor : 12 XXXX XXXX XXXX XXXX ) Account number : XXXX Balance : {$800.00} XXXX Account number : XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Account number : XXXX Balance : {$800.00}
Consumer complaint received 2021-02-17
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cascade Capital, LLC (AZ)

I transfered over my vehicle to someone else. In trying to get the title. The lien was on the title for the company XXXX XXXX which went bankrupt in 2010 and they transferred the paper to XXXX in attempt to contact them they transferred the paper to Cascade XXXX but when the person I transferred the vehicle to tried to contact them they wont give any information.
Consumer complaint received 2021-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are 4 items that is not mine reporting on my credit file and 4 accounts that are inaccurately status : These are does not belong to me : XXXX XXXX Credit Card that is showing charged off Bal : {$1700.00} XXXX - Credit Card - Charged off ; Bal : {$1500.00} XXXX XXXX  - XXXX - {$11000.00} Unknown Account - Bal : {$140.00} Please remove Incorrect personal information : Incorrect Name : XXXX Incorrect Name : XXXX Incorrect Address : XXXX XXXX XXXX XXXX  XXXX XXXX Incorrect Address : XXXX XXXX  XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX The following accounts are inaccurately status ; I was never late on the following accounts : XXXX - I was never 30, 120, or 180 days late from XX/XX/XXXX - XX/XX/XXXX XXXX XXXX  - I was never 30, 60, 120, or 150 days late from XX/XX/XXXX - XX/XX/XXXX XXXX  - I was never 30, 60, 120, or 150 days late from XX/XX/XXXX - XX/XX/XXXX XXXX/XXXX - I was never 30, 60, 90 days late from XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2021-02-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A. (FL)

I applied for refinance and locked with Citibank end of XXXX. I paid for appraisal, provided all documents and everything has been approved. I was told my closing would be XX/XX/17 ( 90 days ). In XXXX they changed closing date to XX/XX/XXXX. Now they have changed closing date to XX/XX/XXXX. They pulled my credit again yesterday without my permission. They still can't give me a closing date ; they hope XXXX. I have missed out on interest savings. They have mislead me the whole way.
Consumer complaint received 2021-02-19
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: CURO Intermediate Holdings (FL)

On XXXX XXXX, XXXX, AD ASTRA RECOVERY SERVIC ( Opened XXXX. XXXX, XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA AD ASTRA RECOVERY SERVIC has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX Balance Owed : {$100.00}
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (ND)

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My payments have always been on time and never late or over the limit. XXXX, I have made XXXX payments a month. XX/XX/year> unfortunately our City of XXXX, Texas where I live was DECLARED AN EMERGENCY STATE OF DISASTER due to HURRICANE XXXX. It was horrible, no work, no banks, no food or groceries stores, lives lost, homes destroyed, people sleeping in cars, no hotels except over XXXX miles. XXXX had come in, but no one has gotten reimbursed or paid for damages. Inspectors are backlogged. People are still without homes after weeks. Homeless. I was using my credit cards because waiting to get reimbursed for employment lost and losses. I was not over the limit ever and because I am so lost with dates, times and where I am going, I checked to see what my balance was and payment due date because I have been out of connection due to no communication. When I checked I did not have payment due but saw I was over the limited {$8.00} which made no sense because I did not charge anything over the limit, I am careful. I had to take my last bit of money for food to immediately get it under the limit and said I would call them. I made the payment immediately for {$58.00} for get the XXXX amount of over limit. I called and spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and was upset because I never been late or ever had issues. She did acknowledge that I have been an outstanding customer and because of my hardship with the state of emergency she increased my limit and then told me the over the limit was not due to a charge it was interest. I was so upset with her and said why would you have done that because I have never had issues, and I am going through a lot with the President 's State of Emergency Disaster which should not penalize me let alone for interest. That over limit was interest. I told her I should have been protected and this needs to be removed due to it not being a CHARGE and THE EMERGENCY STATE OF DISASTER. It has already been enough for me and they should remove and delete as we have over limit protection. I also asked why she would report that she said they do not report over the limit it just so happened the reporting date are the XXXX of every month so that is why it was reported. She said she was going to escalate it and have it deleted and removed due to my great standings and most of all the President Declaring State of Emergency for Hurricane Beryl XX/XX/XXXX. She gave me a reference number XXXX and said someone would be reaching out. Someone did reach out but it was put in the notes wrong, so he had to redo it. I told him I was disputing it and he said to do that which I am this is it. THIS IS FOR XXXX XXXX XXXX  ENDING IN XXXX