davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC (GA)

On XX/XX/XXXX, I submitted a form to Ability Recovery Services requesting contact and sent a debt validation letter asking them to verify the debt they reported to XXXX, XXXX, and XXXX. They did this without notifying me or allowing me to dispute it, as required by the FDCPA before reporting to credit agencies. Ability Recovery Services violated the FDCPA. I've been keeping records for a consumer law attorney due to multiple attempts to address this issue with the company. It has been well over 45 days for this company to respond. Requested information : Your fraudulent verification of an unknown medical account on my credit report This is not a refusal to pay, but a notice that your claim is disputed. Under the Fair Debt Collections Practices Act, I have the right to request a validation of the debt that you allege I owe. I am hereby formally requesting proof that I am indeed the correct party responsible to pay this debt and there is a contractual obligation which binds me to pay this debt.

Please furnish legible copies of the following : 1. Formal agreement between you and your client that identifies that you have the authority to collect this alleged debt or proof of acquisition by purchase or assignment of this alleged debt.

2. Agreement that bears my signature wherein I agreed to pay the health care provider along with the required HIPAA authorization.

3. Be advised that this letter is a formal dispute and a demand that all collection activities cease and desist. Collection activities include verifying and/or reporting of this account as per the federal trade commission 4 . Compliance with the terms and conditions of this letter within 30 days is expected or supply me with a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities , the BBB and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion and illegal collection activities on any account that may be time-barred as well as being subject to the HIPAA and Georgia medical privacy rules . I also hereby reserve the right to pursue civil action to recover damages.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX # XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Consumer complaint received 2024-08-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

I thought I'd successfully cancelled my paid monitoring account with TRANSUNION on XX/XX/XXXX. But I'm still being charged. I contacted them today and they informed me I had not been charged since XXXX. My XXXX XXXX says otherwise with the latest charge on XX/XX/XXXX for XXXX. 

I informed XXXX, they cancelled the card, but I'm afraid Transunion will find a way to charge me again. 

I want the charges to stop.
Consumer complaint received 2024-08-27
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION (NC)

I applied for XXXX mths no interest credit card with Service Finance Company XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/year> and was denied credit. I received adverse action denial that is false, score listed as XXXX and turn down reasons of too many accts with balance, proportion of loan bal too high..false as have XXXX credit card XXXX less that 20 % use of available credit. When I called Service Finance co XXXX representatives said real reason for denial is incorrect ss #. But that is false as it hit my credit bureau, verified XXXX XXXX XXXX on XX/XX/year> file XXXX. This inquiry and denial reduced my credit score from XXXX to XXXX!!!! Think offer of no interest for XXXX is a scam, as sales person that called in my application said getting many turn downs that don't make sense.
Consumer complaint received 2024-08-29
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received an email informing me that I got qualified for a prepaid XXXX card from Capitol One. The only problem is I never applied for any prepaid card. I then received an alert on my credit score. So I'm asking Capitol One to please remove this information ASAP.
Consumer complaint received 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score The inaccuracies are highly injurious to my credit score XXXX XXXX  XXXX XXXX XXXX XXXX - {$8200.00} ( XXXX and XXXX XXXX late ) This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Consumer complaint received 2024-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (FL)

I booked a 1 day rental with Chase XXXX using my credit cards to pay for the equivalent of {$310.00} to cover the charge. The rental clearly included all fees, including the different location return fee. When I returned the car, the rental place mistakely charged me for the different city retrun fee again, in the amount of {$170.00}. I contacted the bank electronicly 3x and 1 time by phone. They decliend my claim every time, and they even told me over the phone that even though I booked the service with Chase XXXX, which belongs to Chase, and that the charge was on the same credit card which I used the points to rent the car, there was nothing they could do. You can clearly do a simulation on the Chase XXXX site, and see that one day rental at the same location, returning the same car at the same location costs USD XXXX, while doing the same returning the car on the same location that I returned the car, it costs USD XXXX, the amount that they deducted the equivalent points.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX / XXXX XXXX Balanced {$2300.00} XXXX XXXX XXXX Balanced {$11000.00} XXXX XXXX Balanced {$0.00} XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$8200.00} XXXX XXXX Balanced {$970.00} XXXX XXXX XXXX Balanced {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 1st Franklin Financial Corporation (GA)

The underlying company 1st Franklin finance currently appears on my XXXX and, XXXX Credit Report as an account I did not open. It was open due to identity theft in which XXXX and XXXX has forwarded theft documents receive from me to 1st Franklin Finance early XX/XX/year> in which they have not complied under Federal law Fair Credit Reporting Act as it relates to identity theft. I have tried every possible way to resolve this matter amicably with 1st Franklin Finance. As 1st Franklin Finance have violated federal law, by not providing the credit bureau XXXX and XXXX Credit reporting agency notice to have there company name removed from my credit report due to identity theft. If this matter persist I will would be seeking compensation in damages per violation, ( Defamation, Negligent Enablement of identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-a-F3.
Consumer complaint received 2024-09-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: BMO Bank, N.A. (CA)

Main issue is the after year one rate changed from what told and in initial application prefilled to closing ( although there were several other issues with the bank ). The banker we worked with admitted fault and has tried to get it fixed by going to his regional managers and customer advocacy department, all who have told him there is nothing that can be done. 

We had our initial call with our banker and on XX/XX/XXXX we followed up with an email confirming the first year rate but also included the information about the after year one rate. Email attached but said Banker- can you also provide again first year fixed rate? We know after year one its prime plus 2.75 %. His response 7.24 % fixed for 12 months ( which this turned out to be a variable rate and the banker was mistaken on this as well ). We had several conversations about the rate. When we received the initial application the rate amount was prefilled and said 11.50 %. I called immediately not understanding and he assured me that if we opened a BMO account the rate would reduce 0.25 % which matched the prime plus 2.75 %. 

After going through underwriting and providing all required information, we received closing documents on XX/XX/XXXX less than 48 hours prior to our closing. It noted any changes needed to be made before 48 hours and for us to speak to out banker. I noticed the rate for after year one was 11.75 % now and the first year rate was variable and for 7 months. He again assured us the first year rate was for one year not 7 months and apologized because it was a variable rate not a fixed rate. As for the 11.75 % he admitted his mistake and looked into what could be done. He was essentially told nothing could be done before closing but he would continue to work on it which he has continued to do.

Other mistakes or issues were : Processor never responded to our questions about financial information we needed to provide and appropriate timing of that They required us as a condo to get extra insurance even though our master policy covers walls in, plus sheet rock plus builder grade fixtures. Both our personal and master condo policy reps confirmed this was not correct but we were told by the bank we had no choice. We were told we were also getting a 0 % transfer and purchase card which turned out to be only on transfers. And the answer I was given when I questioned it was that if we pay it off each month we dont pay interest. Lastly, we were told that the advance money we requested would be deposited when received email about closing on XX/XX/XXXX. XXXX assured us it would go into account. Then told Friday XX/XX/XXXX that it was being mailed but we were not home. Then told would be deposited and then the check showed up on Tuesday XX/XX/XXXX with no signature required.
Consumer complaint received 2022-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Partners, LLC (NC)

In XXXX of 2021, I noticed that there were multiple accounts listed on my credit report from RMP Service LLC on behalf XXXX XXXX XXXX XXXX XXXX. Not recognizing these accounts and the amounts that they claimed that I owed, I immediately sent account validations letters to XXXX XXXX XXXX asking for proof as to where these accounts came from as I believe I may have been a victim of fraud or that this could have simply been a mistake on their part. After not hearing any thing from them for over 90 days, I sent validation request letter to RMP Service LLC since they were the ones that actually listed these multiple fraudulent accounts on my credit reports. I am talking 6 accounts for different frivolous amounts.

After not hearing any response from RMP, I have disputed these accounts with XXXX and XXXX. XXXX found these account to be frivolous and removed all of them except for two accounts in the amount of {$96.00} and {$110.00}. XXXX has not investigated these accounts and continues to report them months. By law I am due a simple investigation or even a proof of validation in regards to these accounts. I want these accounts removed form my credit reports ASAP since it is evident that these accounts were placed on my credit reports in either a weird way to damage my scores or by accident. Either way it should have be rectified when i alerted not 1 but 3 companies in the mistake.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (CO)

This XXXX XXXX  company apparently re runs your credit after giving a limit. XXXX forbid your score changes. They will change your limit an XXXX XXXX on utilization XXXX XXXX XXXX  your credit even more by changing your limit. I had 30 % usage on cards them changing the limit without informing to PRIOR TO RERUNNING my credit, and WITHOUT any warning which causes me to move to XXXX usage percentage. I WILL be contacting a lawyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (NY)

Prior to 2022 I had no changes in Interest on my barclays credit card which was 8.25 % then in 2022 XXXX XXXX to 9.5 % in XXXX, 10.25 % in. XXXX, 11 % in XXXX, and then 13.25 % which is what it is currently. Now they are increasing it again next month ( XX/XX/XXXX ) to 18.25 % all with a XXXX - XXXX credit score for a so called low interest credit card with no fringe benefits.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

We review a variety of criteria in assessing whether to allow you to book a car on XXXX, including your auto insurance score. As part of our ongoing verification process, and as you previously authorized, we requested your auto insurance score from a consumer-reporting agency. Based on our existing criteria, you are not allowed to use XXXX. Your auto insurance score supplied by TransUnion influenced this decision. 


TransUnion Customer Relations XXXX. XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX TransUnion Auto-insurance ***Record outdated are not falling off. Driving and finance recorded were In-correct and Not up to date.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX  inquiry from XXXX XXXX XXXX on XX/XX/2023, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2019-07-11
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings (MO)

I paid off this loan in XXXX, and now they are trying to sue for more than the amount of the original loan. I paid them {$460.00} on XXXX after calling them to ask for the pay off amount on the same day. Never defaulted before I made this payment. After the payment they were still making withdrawals ( 4 in total that were disputed with my bank ) bank decided to give me a new debit card in XX/XX/XXXX. Then speedy cash sent me to a collection company which put it on my credit report. Disputed with credit bureaus, and provided my bank statement with the email showing payment in XX/XX/XXXX, and it was removed from credit report. XX/XX/XXXX they reported it again to my credit report after removal. Disputed again, and never received validation of debt after dispute process. XXXX of XXXX the filed to have me sued in court. Provided the same proof, and now they are saying I falsified documents. Which is very insulting since I went to the bank to get my statement on XX/XX/XXXX
Consumer complaint received 2024-07-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (GA)

On XX/XX/XXXX, I used XXXX XXXX XXXX to book a hotel reservation at The XXXX at XXXX for the dates : XX/XX/XXXX. - XX/XX/XXXX. I click pay after I screenshot the dates. Item XXXX in the uploaded attachment showed up when I clicked to pay. 
On XX/XX/XXXX. I saw an email from XXXX. The email showed a confirmed reservation {$2200.00} on XX/XX/XXXX. - XX/XX/XXXX. 
{$1400.00} - XXXX nights ( {$370.00} per night ) {$610.00} - Taxes and fees {$130.00} - Hotel Booking Protection On XX/XX/XXXX, I contacted XXXX to tell them I received reservations for the wrong dates. and XXXX refused to cancel my reservations. XXXX deliberately held the reservation until XX/XX/XXXX. XXXX tells me that I have to pay for a new reservation for the correct dates and then they will refund me my {$2200.00}. I express that I am not comfortable paying them again, I do not want to risk more money. Then XXXX tells me The XXXX at XXXX is sold out on XX/XX/XXXX. - XX/XX/XXXX. 
XXXX refused to send me a refund. 

I filled a claim with the Hotel Booking Protection I purchased through XXXX { XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX denied the claim. 

As of XX/XX/XXXX The XXXX at XXXX has not received any funds from XXXX. 

XXXX American Express removed the charge for {$2200.00}, then days later American Express put the charge of {$2200.00} back on my American Express account. 
I sent all this information to American Express, and it was explained to me that XXXX is XXXX of their biggest clients and I, XXXX XXXX was not. 
Please help me.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO Bank, N.A. (TX)

We have opened XXXX accounts at BMO Alto : XXXX and XXXX account. Our intention is to have these accounts as joint with me and my wife and have our children as beneficiaries. During the account opening we made repeated attempts to add my wife as a joint account owner. All those attempts were rejected by BMO alto. We called customer service and they said they don't have a way to add a joint account owner
Consumer complaint received 2024-09-20
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Credit Fresh Holdings Inc (TX)

I am writing to formally file a complaint against CreditFresh regarding the predatory nature of the loan I have with them. I have experienced several issues and concerns that need immediate attention. I took the loan out in XX/XX/year> to pay for emergency expenses. while the paperwork explains the repayment process, it does not explicitly tell how the payments get allocated. Out of a {$270.00} payment, only {$50.00} goes towards the principal, which is unacceptable. This breakdown was confirmed by a representative from CreditFresh, who stated that my minimum payment of approximately {$270.00} includes {$220.00} in billing cycle fees and only {$50.00} towards the principal. This practice is not only unreasonable but also indicative of a predatory lending scheme. Furthermore, I have been unable to change my auto payment method to a different bank account due to their restrictive policies. The responses from CreditFresh have been inadequate and fail to address the core issues. I am requesting a thorough investigation into these practices and immediate action to rectify the situation. The allocation of payments towards fees rather than the principal is not only unjust but also places an undue financial burden on me. At this rate, I will be paying on this loan for 12 years, with a total of {$40000.00} being paid back for a $ XXXX loan. Thank you for your attention to this matter. I look forward to your prompt response