davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-04
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. (PA)

Subject : Urgent Request for Investigation and Immediate Blocking of Inaccurate Account Dear Experian and CFPB, I am writing to express my serious concerns regarding the inaccuracies, misleading information, and outdated data present in my recent credit report. This report has not only caused confusion but has also posed potential harm to my financial standing. I request that this account be blocked immediately due to its numerous violations of consumer protection laws. 
The following inaccuracies are clearly evident in the report : 1. **Misleading Information** : The report includes ambiguous terms such as " Account not disputed '' and " Account reported as a transferred or loss by credit grantor, '' without providing necessary context. This lack of clarity can mislead consumers regarding their credit situation. 

2. **Outdated and Unverified Data** : The report lists inconsistent credit scores ( XXXX XXXX, Experian XXXX, XXXX XXXX XXXX without clear indication of when this information was last verified. Such outdated data violates the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reports must be accurate and up-to-date. 

3. **Incomplete Account Details** : The report mentions various account statuses and payment histories but fails to provide sufficient details, such as the date of last activity and a clear account status. This omission violates the FCRA 's requirement for completeness and accuracy.

4. **Inaccurate Payment History** : The payment history reflects derogatory marks that do not accurately represent my payment behavior. The FCRA protects consumers from the reporting of inaccurate information that could unjustly affect their credit scores.

5. **Lack of Transparency** : Terms such as " Creditor Type, '' " Account Type, '' and " Payment Status '' are presented without adequate explanation. This can confuse consumers and is contrary to the principles of transparency mandated by the FCRA.

6. **Potential Violations of Privacy** : The report includes potentially sensitive information without clear security measu
res in place. As per the Gramm-Leach-Bliley Act ( GLBA ), consumers have a right to privacy and security regarding their personal financial information.

Given these significant concerns, I kindly ask Experian to take immediate action to block this account from my credit report. The inaccuracies and misleading information have the potential to cause substantial harm to my creditworthiness and overall financial health.

I urge the Consumer Financial Protection Bureau to investigate these practices and ensure compliance with all applicable consumer protection laws. 

Thank you for your urgent attention to this matter. I expect a prompt response and corrective action regarding my request to block this account. 

Sincerely, XXXX XXXX XXXX : XXXX
Consumer complaint received 2021-01-27
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

On XX/XX/2020, PORTFOLIO RECOVERY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors 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 PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY (NY)

A representative named XXXX from a company called XXXX XXXX out of a Texas called two family members of mine saying they needed to serve me with papers. 

My mother forwarded me the number they called from so I returned the call. Spoke with a woman named XXXX. She claimed I was not supposed to be given this number but said she would help anyway. She informed me I had an account with XXXX XXXX from XX/XX/XXXX that had gone into collections in XX/XX/XXXX. I've never received any mail, calls or emails regarding this. She informed me that if I paid {$760.00} by XXXX XXXX today ( XX/XX/XXXX ) I would be served with a summons. She claimed I could use anyone 's credit card so long as they signed the paperwork she would be emailing to me. I never received an email. 

I contacted XXXX/Wells Fargo. The collections department informed I was in good standing with them and that there was no record of my account or debt. Regardless of the amount of time that passed there should still be a profile for me and that there was none. They instructed me to not pay or provide information to XXXX XXXX  and had no record of ever using them for any purpose. They also informed me that they never threaten to sue customers over past debt and that they've had an influx in scam calls recently. 

When I called XXXX back I did not get an answer at first. No answering machine either. I called again and informed her of what the bank said. She immediately became unpleasant and offered to put a manager on the phone. After a brief hold XXXX picked up again and simply said that I would be receiving papers within a few days. I said I'd happily contact my lawyer and she hung up. I've already spoken with someone at the FTC who agreed it sounded like a scam as did the rep from XXXX. 

The number I called to reach XXXX XXXX is XXXX. I am happy to follow up with whomever necessary to make sure this is handled.
Consumer complaint received 2023-10-12
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. (TX)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-12
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: EQUIFAX, INC. (FL)

I take VERY good care of my credit score and monitor it weekly. There are two HARD pulls on my credit, neither of which I authorized or had knowledge of. One, an online retailer - XXXX XXXX that I've had an account with for over a decade, with charges usually less than {$100.00} and which I have attempted repeatedly to get them to remove this hard pull, to no avail and the other from XXXX, a network cable company that I do not have, have never had and certainly NEVER allowed to do a hard pull on my credit. 

I wish to have both of these removed from my credit report as they are both without my permission or knowledge. I did not request credit from either of these businesses, and I have since cancelled any association with XXXX XXXX. A hard pull must be by permission of the individual ONLY and us usually reserved for large purchases only. 

I've done my homework and neither one of these places are working within the law in this instance. 

Thank you, XXXX XXXX
Consumer complaint received 2020-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FMS Inc. (GA)

Hello, I opened a Visa Credit Card in one XXXX XXXX XXXX on XX/XX/XXXX with a temporary account number. The permanent account number and credit line should be sent to me with my card afterwards. 

However, I never received anything regarding this credit card until I received a call from a collection company ( FMS, INC ) recently. During the call, I found out that the mail address they had was wrong ( missing the XXXX XXXX " XXXX '' ). That's the reason why I have never received any documents from this credit card account ( issued by XXXX XXXX ), neither the physical visa card. I have copies of all receipts with wrong mail address, which have been resent to me by FMS. I will upload one month as example, but can provide all, if needed. 

As of XX/XX/XXXX, the total balance due is {$190.00} ( with initial balance {$38.00} in XX/XX/XXXX ). Additionally, my credit score has been impacted significantly. 

I have contacted FMS and XXXX XXXX to dispute the interests charged on this account and to get my financial score corrected on the credit report. Highly appreciated for your help!
Consumer complaint received 2020-12-27
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

It's been a while since I sent my disputes to the bureaus. I sent a dispute to XXXX, Equifax, and XXXX and still have not received a response. I believe my disputes were sent XXXX and today is XXXX still with no response. It has been almost 2 months and it's very hard for me to obtain new credit and these inaccuracies on my consumer report are defaming my character. The consumer reporting agencies are in violation of the FCRA. 15 USC 1681i states these agencies must do an investigation within 30 days. I still haven't gotten any results of my investigation. This information should be promptly deleted from my credit file as a result of non-compliance pursuant 15 USC 1681i.
Consumer complaint received 2020-09-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (AE)

On XX/XX/2020, I received a message from an acquaintance that they received a CashApp request for {$100.00} from me. I do not have this person 's CashApp information nor would I ever request money from them. They then sent me a screenshot of the account information and the profile picture is a picture of me but, the CashApp name is different from the one I use. I do not have any access to the account they showed me nor did I create it. I contacted CashApp the next day and then again on XX/XX/2020 in an attempt to report and close the fraudulent account. Not only did they refuse to do so but, they claimed they could not provide me any information regarding the account. They wouldn't even so much as look into the matter for me to verify that it was legitimate. I then sent a dispute letter via IdentityTheft.gov 53 days ago from today and have yet to hear back from them. I really want this resolved and do not know what else to do at this point. CashApp has no Customer Service or proper process for handling such matters. They do not even appear to care at all.
Consumer complaint received 2020-12-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (KY)

On or approximately XX/XX/2020, I sent the company a letter stating how they have failed to provide me a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have not provided any documentation bearing my signature and it has been over 30 days and I have yet to get a response bearing this information.
Consumer complaint received 2020-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

My husband was XXXX in the hospital, he went in XX/XX/2020 he died on XX/XX/2020, the reason I bring this up it is the about the time I decided to pay off my Capital One account. On or about the XX/XX/XXXX I talked with XXXX and XXXX with Capital One telling them that my account would be paid in full. I overpaid so they sent me a check for {$960.00}, Ck. # XXXX from Capital one dated XX/XX/2020. This account was closed XX/XX/XXXX, because my last payment before it was paid off was {$450.00} which brought my account to {$12000.00}. This was paid in full and closed. In fact I paid an OVERage on the account which is why they sent me a check in the amount of {$960.00} XXXX which I will scan for your review ). 

On another note XXXX 's Credit card was closed because the store closed which is associated with XXXX XXXX. It was closed on XX/XX/XXXX. I was a valued customer but due to circumstances beyond my control, the store had to close due to the economy.
Consumer complaint received 2018-04-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A. (AZ)

I have contacted our Mortgage provider ( Citi Mortgage ) sometime last year to request cancellation of my Mortgage Insurance Premium. I was told that even though I have met the 78 % loan-to-value ratio, I still needed to meet the five-year criteria ( from loan origination ) to be eligible. I was then told to call on XX/XX/XXXX to make the request, because it will be during that time that the five-year criteria would be met. So on XX/XX/XXXX, I placed a call to the company and requested cancellation of the MIP. The representative informed me that I was indeed eligible and that I should receive a letter stating so. I was told that I was to sign the document and send it back. I waited for the letter only to be informed that I was ineligible to discontinue MIP. I was told in the letter that the five-year requirement will be met once the MIP is paid in XX/XX/XXXX. I then contacted the company on XX/XX/XXXX because of the conflicting information. I was then told that my XX/XX/XXXX will pay the XX/XX/XXXX MIP. The letter did not specify or explain how this works. I have spoken to 2 representatives and 1 supervisor who only can say how sorry they were about the incorrect information. I asked for them to reconsider since I have made additional payments for years now ( have met the 78 % L-V ratio since XX/XX/XXXX ), has never missed a payment, and if what they are saying is correct, I only have 1 month left to qualify but they don't seem to want to reconsider.Thank you for your assistance.
Consumer complaint received 2018-04-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (AZ)

To whom it may concern, My complaint is that I am making payments of {$460.00} per month to Navient and have paid over {$26000.00} into a Student loan ( Parent Plus ) loan in which the original loan disbursement was {$37000.00}. and I still owe {$57000.00}.

This loan was in deferment and forbearance as long as was allowed as we were counseled by the student loan administrator at the school. It was disbursed in XX/XX/XXXX and I began making payments in XX/XX/XXXX. 

I have discussed lowering the balance with Navient and of course they will not. I wrote a letter to my congressman in XX/XX/XXXX who in turn contacted the U.S. Department of Education Federal Student Aid. They sent me a packet giving me all the scenarios for student loan forgiveness which I do not qualify for. I don't even qualify for lower payments given my income.

My greater complaint is that our Federal Student Aid Department will, one, allow a loan like this to be made at all, and two, it would allow a loan like this to be made to students and their parents without insuring that the parties understanding exactly what they are getting into.

When we went into the student aid office, we were in there for all of 20 minutes. The online process was very short and easy. There was no discussion of capitalized interest and what that could look like after several years. We were also told that we could easily transfer the account into his name at a later date. This was not the case.

The amount of interest we are paying is astronomical! This would qualify as loan sharking! I don't believe there are the checks and balances or required education in place for students looking to get a higher education. We are under the assumption when getting Federal Student Aid that the government has our best interest in mind and would not allow us to be taken advantage of in this way.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2020-12-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (MO)

XX/XX/2020 XXXX XXXX Quicken loan mortgage paid XXXX for XX/XX/2020 mortgage. I viewed my mortgage payment history payment returned and amount and missed mortgage payment returned date XXXX ; amounts and dates money returned XXXX $ XXXX $ XXXX $ XXXX, XX/XX/2020 $ XXXX {$100.00}. There were no notes in my acct explaining what is listed above. No letters for returned money from my bank or Quicken loans. I called Quicken loans client specialist XX/XX/2020 XXXX : XXXX Mrs XXXX explained XXXX over payment. I told her no over pay money XXXX not mine. Mrs XXXX then said Supervisors might have questions for me to hold. Supervisor XXXX said XXXX was over my acct. But in phone then XXXX off phone will call me back. I told Mrs XXXX XXXX stolen money within Quicken loans bank scam in Quicken loans they tried to use my bank acct. Mrs XXXX should have fixed XXXX back in XX/XX/2020, but the XXXX was divided into my acct. The acct didn't show XX/XX/2020 mortgage due, the acct showed XX/XX/2020 due Mrs XXXX verified no payment due for XX/XX/2020. I told Mrs XXXX that's not so, the XXXX not mine. I paid XX/XX/2020 XXXX. For XX/XX/2020. And they need to fix the problem and stop using my act. I pleaded with Mrs XXXX please give my request to higher ups. Mrs XXXX called me 2 more times wanting training for her supervisor position with Quicken Loans. I told her every thing as a customer and she still tried to get me to do something I don't know anything about Quicken loans acct payments.
Consumer complaint received 2020-12-28
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

Since XX/XX/XXXX Rash Curtis and Associates ( RCA ) has attempted to collect a large medical debt stemming from an ambulance ride with XXXX XXXX XXXX Department ( XXXX XXXX I took in XX/XX/XXXX. They failed to notify my insurance company whose information they were provided with in XX/XX/XXXX and again in XX/XX/XXXX. 

During the date of service I was insured for an ambulance ride by XXXX XXXX XXXX. Neither XXXX or RCA contacted my insurance after they created the bill. RCA contacted me in XXXX telling me I owed almost {$3000.00} and threatened me saying my credit score would be affected. Despite me telling them to contact my insurance. 

Even after they had the number of my representative and my insurance information they continued to make threatening phone calls attempting to get money from both myself and my insurance. 

After long negotiations in XX/XX/XXXX with my insurance representative, XXXX XXXX XXXX paid the original amount owed to XXXX. 

Rash Curtis and associates is now claiming that I owe interest. Interest on medical debt that they failed to acquire from my insurance company XXXX in XXXX. 

I believe this is a fraudulent attempt to collect more money than they are owed. By neglecting to inform my insurance in XXXX they allowed the interest to climb to {$980.00}. They are now attempting to collect this money from me personally. 

The only reason this debt exists is negligence on the part of RCA.
Consumer complaint received 2020-12-28
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: USCB, Inc. (NV)

On XX/XX/2020, Revsolve called me at XXXX XXXX. in my time zone. I filed a complaint. On the day they likely received the complaint, I was called 5 times in rapid succession by someone who blocked caller ID ; the person refused to identify themselves ( at which point I turned XXXX XXXX XXXX  on ). The calls only ceased when I answered the phone and said, " I know who you are and I am filing another complaint, '' which indicates that this was both illegal retailiation and illegal debt collection practices from RevSolve Inc.
Consumer complaint received 2020-12-28
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Property was sold and closing occurred on XX/XX/2020. Final Payment of loan balance was paid to PennyMac on XX/XX/2020. PennyMac has not issued a check for a refund of escrow account. I have contacted PennyMac customer service 3 times, and in all occasions I was informed that a check would be sent on that same day ( meaning previous phone calls never triggered a check to be sent out ). 
I have run out of options.