davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

In light of recent developments regarding the accuracy of information in my consumer report provided by Equifax, I am compelled to bring to your attention a matter of significant concern. Despite diligent efforts to ensure the integrity of my financial profile, it has come to my attention that Equifax has included erroneous data attributed to XXXX XXXX, indicating late payments for XXXX and XXXX of XXXX. Upon contacting XXXX XXXX, it was unequivocally confirmed that no such information was reported to Equifax, raising serious questions about the accuracy and reliability of the information contained within my consumer report. 

This blatant discrepancy not only reflects a failure on the part of Equifax to adhere to the fundamental principles outlined in the Fair Credit Reporting Act ( FCRA ) regarding the accuracy of consumer reports but also highlights a concerning lack of due diligence in investigating disputes raised by consumers. As mandated by the FCRA, creditors are obligated to conduct thorough investigations into disputed information, a standard which Equifax appears to have failed to meet in this instance. 

Furthermore, the provision of a credit report by Equifax asserting the validation of the disputed account constitutes a misrepresentation of the facts, compounding the severity of this violation. As a result, I am left with no recourse but to pursue appropriate measures to seek redress for the harm caused by Equifax 's negligent actions. 

In accordance with the FCRA, I hereby demand compensation for the violation of my rights, as well as the imposition of fines commensurate with the dissemination of derogatory and false information within my consumer report. It is imperative that Equifax rectifies this egregious error promptly and takes concrete steps to restore the accuracy and integrity of my financial profile. Failure to do so will necessitate further legal action to ensure accountability and prevent future transgressions.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: U.S. BANCORP (OR)

The contact information on my personal bank accounts is being changed and or added to without my consent! My question is why? Does the bank treat everyone in this manner, or just me? I've asked for this to stop for over 2 years now it's a gross invasion of privacy, discrimination and ethically wrong .I closed my checking and savings accounts over a year ago XXXX XXXX XXXX XXXX XXXX  and now it's happening again XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX ... ... XXXX
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP (IL)

I need to report the US bank credit card for their balance transfer promotion. I took a $ XXXX balance transfer on my small business credit card because the US bank advertised it as a XXXX promotion for zero interest. Since my credit limit is $ XXXX, so I kept using the credit card, thinking they'd honor their promotion until 2025. It turns out that the US bank applies credit card payments to the lowest APR first. Therefore, I don't have any options to pay down my most recent purchases to avoid 26.24 % interest. In order to avoid interest charges, I need to pay down the full balance of $ XXXX ( $ XXXX transfer plus recent purchases ). It is false advertising from the US bank. How is this from a 15-month zero interest to 26.24 % just within one month? When I called, the US Bank credit card department said I signed their terms and conditions and that I should see how they apply for payments. Those pages are in small print and not in clear terms. I read their terms again, and they are just words ... without any clear meaning about how they apply for payments. I have been an accountant for 20 years, and as a number person, I think the US bank falsely advertised and treated their clients unfairly. Other credit card companies, such as XXXX XXXX, also have similar promotions. Unlike the US bank, XXXX XXXX applies payments to the highest APR first to horno their promotions. Any help to stop this false advertisement from the US bank will be greatly appreciated.
Consumer complaint received 2024-02-21
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (TX)

I tried to contact " rent recovery solutions '' in regards to an account they bought from " XXXX XXXX XXXX ''. 

At the end of my rental lease, XX/XX/2019, my final bill from " XXXX XXXX XXXX '' ( which I have proof of ), states I owe ( {$2400.00} ) significantly less than what the debt collector, " rent recovery solutions '', is stating I owe, ( {$7100.00} ) " XXXX XXXX XXXX  '', has held this incorrect amount over my head since 2019 and is restricting me from finding my own place to live and is negatively affecting my credit.
Consumer complaint received 2024-05-07
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: EQUIFAX, INC. (FL)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNT ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT. THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-04-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings (IL)

On XX/XX/2024, I received a letter in the mail trying to collect a debt I allegedly owed. I called the debt collector, IQ Data International, and spoke with XXXX XXXX on a recorded line. XXXX XXXX repeatedly told me that my dispute with the debt was just " how I feel '' and that the charges against me were valid. I told him that I disputed the validity of the charges and told him why. He repeatedly shouted, talked over me, and did not listen to my statements. He implicitly represented that he knew the law and through an omission attempted to indicate that he was an attorney. This is a violation of 12 CFR 1006.18 ( b ) ( 2 ). He also openly mocked me on the recorded line. Please investigate him and his company for abusive and deceptive practices. 

Thanks, XXXX
Consumer complaint received 2024-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

In XXXX of XXXX ' I was told that my Chase Business account has been placed on hold and they were not able to provide me the reasoning. I have been reaching out periodically since to obtain reasoning as to why the money is not being available to me. I have spoken just now to XXXX XXXX at Loss Prevention after speaking to many others in that department as well as management in other departments related. Besides throwing me back and forth between asset recovery and loss prevention no one can provide me an answer as to how to get my funds released.

It has been 15 months and my funds are still being held with no answer. No one will provide me the proper phone number to reach out to or provide me the proper email to reach out to they just keep telling me to call back. When I call back the same thing happens over and over again.
Consumer complaint received 2019-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have been a customer of Capital One Bank. I believe that their fees have been predatory and deplorable. My husband died and I was trying to pay all of my bills on time. I would like to receive an account of my account payment history. I want to understand how the interest rates fluctuates from one amount to the other. I want to receive copies of all of the charges on my account per month since I opened this account.
Consumer complaint received 2024-04-06
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Michel Law, LLC d/b/a Level One Law (MD)

XXXX XXXX XXXX sold the debt relief services of Level One Law, a dba of Michel Law , LLC to me on XX/XX/2023. The plan was : through the services of yet another firm, XXXX XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OK XXXX ), I would engage in a XXXX program, during which i would pay them a total of {$30000.00} to settle {$36000.00} worth of unsecured debt. The monthly fee I paid them was {$640.00}, divided into these fees : {$150.00} retainer, {$330.00} service cost, {$48.00} reserves, {$99.00} legal admin fee, {$10.00} banking fee. After XXXX months in the program, no work on my behalf had been done, as tracked through a customer portal with XXXX XXXX and through my investigations with my creditors that i enrolled in the program. No creditors of mine had been contacted ; no negotiations engaged- no work for which i had contracted. All XXXX of my enrolled creditors verified this in email and statements. Therefore, on XX/XX/2023, I emailed and hard copy USPS mailed a cancellation request to XXXX XXXX and to Level One Law, as allowed per my contract ( cancellation at any time ). My agreement clearly states ( p. XXXX ) that upon termination by client, all savings and unearned fees will be refunded. I was in the program for XXXX months : XXXX, XXXX, XX/XX/2023. 
According to the payment schedule ( pg. xii ), I had at the time of cancellation {$190.00} in Settlement Reserves, which constitute the " savings '' referred to in the agreement. Aside from " banking costs '' in the payment schedule, which I assume are related to their collection of my monthly payment, I should be refunded $ XXXX in " unearned fees, '' per the agreement. This, plus the Settlement Reserves means a total of {$1800.00} refunded to me. I reached out in multiple emails and phone calls for this money, only to receive XXXX message that said they " investigated '' my cancellation and determined that {$120.00} is due back to me. I received this check in the mail, but have not deposited it as it is NOT the right amount due back to me. Not XXXX of the XXXX entities involved in this has responded to my repeated attempts to settle this despite emails and calls. I have asked for a detailed accounting of how they have spent the fees, which they have repeatedly refused to provide. Any law firm always provides minute by minute accounting of fees. 
That Level One Law/Michel Law does not do that is extremely suspicious. I need my money back immediately. I am a XXXX XXXX struggling to make ends meet after my husband 's XXXX illness, and needed help improving my debt picture so i can keep my house! This company took advantage of me. Please help me and future customers by stopping this company and getting back my money. Thank you very much.
Consumer complaint received 2024-02-05
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (UT)

I received a {$100.00} VISA gift card from a realtor and have not been able to access the funds loaded on the card. In XXXX XXXX attempts to use the card in retail and on-line purchases were denied. After those attempts I noticed the 3 digit security code ( CV2 ) on the back was missing with a blank field where it should be. I tried resolving my issue on the company website XXXX XXXX  but they required the security code to file my complaint. 

When I called the company toll-free number I was told the card had been flagged for fraud and, to receive a replacement card, I had to fax them photos of the card, front and back of my driver license, and receipt of purchase. Those requirements pose problems as I dont have a fax, the card was a gift, and Im not comfortable sending my license information via fax to an unknown company. 

On the website XXXX XXXX XXXX many people complained their cards were flagged for fraudulent use, requiring sending personal info to the vendor, and still not getting a usable credit. 

Please register a complaint with the company for failure to resolve my issue.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I was charged two payments of {$8900.00} for my loan repayment in XX/XX/XXXX. My total loan was only for {$8900.00} so I was supposed to be issued a refund. Since XX/XX/XXXXXXXX  it states " refund '' under EdFinancial account history, yet I have yet to receive a refund. I have attempted multiple calls and emails to EdFinancial trying to get information. They have not responded to any of my attempts and have given me no information. I would like to know in what form my refund will be issued ( check vs returning to my account ) and a timeframe that this will occur.
Consumer complaint received 2024-01-27
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. (TX)

Experian and XXXX continue to report a bankruptcy that has not been verified as accurate further more I have exclusive equitable interest in my intellectual property such as my name and any financial assets being used as negotiable instruments. Since Experian and XXXX are for profit financial institutions using my information to sell this is a violation of my copyrighted property.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

15 U.S. Code 1666b - Timing of payments 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

Clearly the listed accounts ( ALL XXXX XXXX XXXX PAYMENTS REFLECTING A LATE PAYMENT all XXXX XXXXXXXX XXXX products reporting late ) are in direct violation because there was nothing mailed in regard to a finanve charge from said creditor.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: International Computer Systems, Inc. (MO)

This account # XXXX from ICS COLLECTION SERVICE is paid in full. ICS COLLECTION SERVICE refuses to remove from credit reporting. Original creditor XXXX XXXX confirmed the debt is paid and no other obligations are being requested at this time.
Consumer complaint received 2024-04-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Cawley & Bergmann, LLP (MD)

My name and credentials was used in some type of program that I was not aware of. The program was later found out to be fraudulent. The company was sued and some how or the other a default judgment was placed on my name. It was also registered on my property.
Consumer complaint received 2024-03-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (OH)

Midland credit management sent me a threatening letter telling me I owed them. Said I'd be fired if they had to garnish. I sent a letter requesting more information because the treating letter was very vague. 
No response. No official court letters. But now they garnished XXXX from my employer. No. Notifications. At all. Clear fdcpa violation.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-23
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TN)

I made a purchase in XX/XX/XXXX and charged it on my amazon card, it was interest free as long as i payed it off in the time frame, by XXXX the full amount was drafted instead of minimum or atleast whaterver i wanted to pay towards it to avoid interest charge... I recognized the reason for this was because I had set up my account on monthly balance autodraft... I called to complain and they rectified it by recharging the amount XXXX $ and issued a full refund check for the drafted amount {$370.00} ) the recharged amount was now set up on a 12 month no interest. at this point in time i had already made another purchase of {$78.00} after the mentioned {$370.00} charge ... in order not to create confusion I payed {$110.00} and made an arrangement to draft XXXX $ monthly which will pay the remaining balance before the promotion expired, {$32.00} was drafted monthly as planned until I received an email summer of XXXX saying I owed over {$600.00}, this did not make any sense because last purchase was the total {$78.00} in XXXX after the {$370.00} and was payed off the day arrangement was made, and i purposely stopped using the card to avoid confusion ... since $ XXXX no interest pay off.was initiated... I called syncrony and it was found that some i had an identical balance some how and was also getting charged interest on top. The interest part was taking care of after multiple calls but for some reason identical balance stayed ... all the supervisors i called agree i dont owe but the balance still exist. I stopped auto draft after the full amount was payed off and overpayed by {$33.00} ... but the bogus balance still remained and they have reported me to credit bureaus as late payment, harraass me on text, phone calls and email and now my perfect credit score has gone from XXXX to XXXX due to false reporting. they can not prove how my balance is {$420.00} in XXXX but my last charge was in XXXX and have made payments over {$370.00} since, the billing in XXXX of XXXX shows my purchase was {$370.00} which is the exact same amount of the XXXX purchase and they list my purchase as " balance transfer '', from what or were?. multiple employees on recorded conversation agree and keep appologising and promise this will be fixed but somehow they still continue to make my life miserable. I have decided to go ahead and pay the bogus balance to mitigate the damage they are doing to my credit and also stop the pain and suffering and let the justice take over. It took me 24 years to build an excellent but one day for syncrony bank to destroy.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

I looked at my credit report I noticed some things that are incomplete and Not accurate. i had already told/send letters to all XXXX bureaus about this yet they have not done anything the investigation is completed and still the items remain i feel like a victim of the system now that i am learning about the credit bureaus ways and how they make money off us, so i figured its in they best interest to use my info how every they want to. but i learn according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. to These accounts Creditor : XXXXXXXX XXXX Account # : XXXX Creditor : XXXX XXXX Account # : XXXX Creditor : XXXX XXXX XXXX Account # : XXXX Creditor : XXXX XXXX Account # : XXXX Creditor : XXXX XXXX Account # : XXXX Creditor : XXXX Account # : XXXX Creditor : XXXX XXXX  Account XXXX : XXXX Creditor : XXXX XXXXXXXX Account # : XXXX Creditor : XXXX Account # : XXXX Creditor : XXXX XXXX XXXX Account # : XXXX Creditor XXXX XXXX XXXX XXXX 
Account # : XXXX are not complete and accurate, According to 15 USC 1681s-2 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