davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-13
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

The COLUMBIA DEBT RECOVERY LLC DBA GENESIS is reporting to the 3 consumer agencies false information after I requested documentation for that timeframe providing my wet signature, a lease signed by me and the knowledge that I am the vitamin of identity theft.

Hello COLUMBIA DEBT RECOVERY LLC DBA GENESIS : I have never entered into a contract with your company either physically or verbally and thus you are violating my civil rights in reporting fraudulent information to the consumer agencies. Please provide the original contract that I signed with COLUMBIA DEBT RECOVERY LLC DBA Genesis that provides my wet signature. If this can not be done the following laws and my civil forgets are being violated.

According to : Code 15 US 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted as alleged identity theft, no later than 4 business days after the date of receipt.

Your company has been reporting this fraudulent information for more than 30 days and thus you are in VIOLATION of this law because I am a victim of identity theft. Please note that in the provided ledger I am not named as the occupant. Please provide a lease showing my wet signature and dates that reflect this ledger timeframe. Please delete these items IMMEDIATELY. This account should not be furnished on my consumer report as it is in direct VIOLATION!!!

Code 15 US 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

I NEVER gave any consumer reporting agency nor your company WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the listed account in this email correspondence from all consumer reports IMMEDIATELY! Continued violation of my civil rights shall result in prosecution to the fullest extent of the law. Please provide correspondence that this account has been removed from all consumer reporting agencies files within the 4 business days allotted. 
Regards XXXX XXXX XXXX
Consumer complaint received 2024-04-12
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-06-26
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. (GA)

there are numerous inquiries in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (WI)

Throughout the process of applying for this {$400.00} loan from SpeedyCash I never once saw what the interest rate would be. It must have been hiding or simply not on the web page. Being that I had never taken a loan from anywhere I didn't think about making sure to see the interest rate before accepting it. Never would I have imagined it would be a 360 % rate. After making biweekly payments of {$70.00} each equaling the XXXX I had received from in the loan, I hunted down the website and logged in to try to pay the rest of it off completely. To my surprise I still have {$360.00} in my balance. {$360.00} after having paid {$400.00} over the course of a month and a half to XXXX months. That is how long I've had the loan for now. Under 2 months and I owe twice what they gave me. I contacted their customer service to try to talk to them about helping me and potentially letting me pay off the initial {$400.00} and they basically ignored every point I would make. This is without a doubt a predatory loan agency. They were banking on the fact that I wouldn't see the 360 % interest rate and accept the loan knowing they would get twice the amount they gave if not more. As I said, I accepted it no more than 2 months ago and it's already twice what I received. I can't pay them another {$400.00} nor do I want to. They are being scummy and I'm pretty sure however they are hiding that info when accepting can or at least should be illegal. If I had known or seen what the interest rate was, I would have never accepted.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 in those account to be removed. 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. XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX 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! Delete the late payments from my consumer reports
Consumer complaint received 2024-04-12
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: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

on XXXX XXXX a person from XXXX  hacked my XXXX XXXX account and charge a XXXX XXXXXXXX XXXX to my Bank of America CC he them deleated my XXXX XXXX  account, so XXXX XXXX  will not talk to me ive issued a disput to BAnk of America 3 times and have XXXX refused they claim that XXXX XXXX said the item was shipped to my home here in XXXX XXXX. that is not so. checking my XXXX account the same person had changed my shipping and billing address to his home on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this is his address XXXX asuming his name, which he used is not XXXX XXXX XXXX XXXX XXXX XXXX an only use XXXX XXXX XXXX XXXX XXXX XXXX XXXX the charge was XXXX XXXX, to which the bank refuses to refund im at my wits end please help sincerly XXXX XXXX XXXX XXXX XXXX 

i have include the address of the person from my XXXX account
Consumer complaint received 2023-09-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc. (DE)

Hello, I am in serious need of help with some hard inquiries I would like to have removed due to the unauthorized and unverified inquiries placed on my report. Please get back to me as soon as you can.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (SC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-12
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-05-03
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: OPORTUN FINANCIAL CORPORATION (CO)

I have twice tried to close an account I have through Oportun ( an automated savings program formerly called XXXX ) in the past two weeks. They have not honored my request to close my account and continue to remove money from my checking account. I have over {$1000.00} in the Oportun account. I assume if they are doing this to me they are doing it to other people.
Consumer complaint received 2024-02-12
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Mathew Aaron Holdings Inc. (TX)

I obtained help from XXXX XXXX GRT ( XXXX ) Financial to assist me with debt consolidation around XXXX of XXXX. I was under the impression that they would begin to enter into a settlement with my creditors shortly thereafter, and furthermore, would begin paying them back. I went back into my email account to read the debt consolidation contract but it said the links were now expired.

GRT FINANCIAL falsely promised to negotiate with my creditors to settle or otherwise reduce my repayment obligations. They failed to settle and/or lower my debts. 

I was lured to ( now erroneously ) purchase their services while they falsely claimed that they would remove negative information from my credit report. They did not disclose key information that I needed to evaluate these services. I was not told that there would be any fees associated with this service. 

Furthermore, I received a Small Claims Debt Claim from XXXXXXXX XXXX on XX/XX/XXXX, due to GRT not paying XXXX nor contacting them regarding working towards a settlement. I settled with XXXX XXXX  on my own and requested that my debt consolidation claim be canceled with GRT Financial. 

When I called GRT FINANCIAL to cancel my program on XX/XX/XXXX they did not disclose that there would be any charges owed, since, essentially, they did nothing to consolidate my debt with any of my creditors, namely XXXX XXXX. 

According to my records, I paid a total of {$2700.00}. The payments and dates are listed below. I I received a credit from GRT XXXX on XX/XX/XXXX in the amount of {$1900.00}, which means I am still owed {$790.00}. I am putting into question the validity of the {$790.00} in fees that GRT XXXX FINANCIAL says they incurred while servicing my account. 

Furthermore, upon entering into an agreement with GRT FINANCIAL in XXXX of XXXX, I received dozens of spam emails daily. Even upon unsubscribing from these companies that were perpetuating false news, propaganda and misinformation several times a day AND several times a month, I would still receive these emails from the same companies. 

The following entries are what I paid to GRT FINANCIAL and the subsequent dates that were debited from my bank account. 

{$330.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX {$340.00} on XX/XX/XXXX {$370.00} on XX/XX/XXXX {$370.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX {$330.00} on XX/XX/XXXX
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Mr. Cooper Group Inc. (CT)

Subject : Continued Dispute of XXXX  XXXX on Credit Report Current Dispute File number : XXXX TO WHOM IT MAY SINCERELY CONCERN : I am writing to dispute the following information in my file. 

This XXXX  XXXX Bankruptcy is out of compliance as you can see that it has exceeded the maximum 7 years of punishment allotted. The XXXX  XXXX was filed on XX/XX/XXXX that will mark 8 years two months to the date. I am requesting that this item be removed from my credit profile. 

Enclosed is documentation supporting my request : [ describe the documents youre sending, for instance : my credit report, with the disputed items circled. 

Additionally, I have concerns as Rushmore was impacted by a serious security breach that according to XXXXXXXX XXXX Maine Attorney General has put at risk sensitive information of 14.6 million individuals. 

Please investigate this matter and remove outdated information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REFERENCE NUMBER XXXX XXXX DATE FILED XXXX XXXX XXXX XXXX DATE DISCHARGED XXXX XXXX XXXX XXXX CLASSIFICATION & TYPE : BANKRUPTCY, XXXX XXXX RUSHMORE SERVICING REPORTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (CA)

XXXX ) XXXX XXXX : Account # XXXX Under 15 U.S. Code 1681i ( 5 ) ( B ) ( I ) ( iii ). This item was deleted and you reinserted it without notifying me 5 days prior to re-adding. This account is in violation!

Under 15 U.S.Cose- 1666B- This is a billing error, account always paid as agreed and on time. This account is in violation. Additionally, dates of payments are not listed, missing and or are just completely blank. This is a VIOLATION!

Under 15 U.S. Code 15 U.S. Code 1605 ( a ) - If a Finance Charge was included which is the sun of all payments, there should be no payments on this account. This account is in violation!

Under 15 U.S. Code1681b- permissible purposes of consumer reports. I have never given anyone written consent to report anything on my consumer reports. No consent is Fraud! This account is in violation!
Consumer complaint received 2024-02-12
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP (CO)

Hi. I am reaching out with regards to U.S. Banks practices around their CD maturity process. The Company makes it extremely easy for customers to renew their CD with just a click of a button through their online portal. The Company, however, makes it much more difficult to close a CD and requires Customers to call in their customer service line or visit a branch in-person. U.S. Bank relies on customers not going through this process and having their CDs renewed automatically at the banks preferred rate. 

Only renewal can happen online. As seen in the attachments.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Capital One 3xs, XXXX XXXX XXXX, XXXX XXXX 3xs, XXXX XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.
Consumer complaint received 2024-04-12
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. (FL)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here.
Consumer complaint received 2024-01-31
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (KY)

I have previously told the company that they only have permission to contact me directly and that they do not have permission to contact me through any other numbers. Today was the XXXX call they made to my employer. When I tried to log in to my account to verify that my message informing of the communication instructions had been replied to, I am now not able to access my account. So they called my employer to discuss my debt and then made it impossible for me to get into my account to review the debt or make any payments. 
Furthermore, they are calling my number at leastXX/XX/XXXX times a day which is excessive.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO. (MA)

I received an email today from Chase stating that I successfully opened a credit card account. I did not apply for any account but verified that there was a hard inquiry in my XXXX report. 

I contacted Chase and they verified that a card was applied for in my name and said that they will close the account and open their own investigation. 

I also called XXXX and requested the hard inquiry be removed. They said they will investigate and remove the inquiry. 

Also around the same time this morning I received any email saying my XXXX XXXX rewards account information was changed. I looked and saw that there was an unknown phone number in the account contact information for me. Since XXXX XXXX has a Chase credit card I think that someone used access to my XXXX XXXX account to apply. The phone number used was ( XXXX ) XXXX. This is a Minnesota area code ( I live in Massachusetts ) XXXX suggested I file a complaint with the FTC so that is why I'm here.
Consumer complaint received 2024-04-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-02-12
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc. (TX)

I'm currently XXXX on XXXX XXXX orders, split across two XXXX periods, first published/dated XX/XX/XXXX, through XX/XX/XXXX. Aqua Finance is aware that there are two orders. Under the Servicemembers Civil Relief Act, I am entitled to a reduced interest rate of 6 %. Despite repeated communications with Aqua Finance since XX/XX/XXXX ( formal emails, I communicated with them prior ), the company has not consistently applied this reduced rate. Initially, my interest rate was lowered to 6 % for about five months starting XX/XX/XXXX, but I have not been compensated for the period before this adjustment when I was charged at a 9.9 % rate. Despite providing Aqua Finance with all necessary documentation and continuous follow-ups, I've encountered inconsistent responses and unfulfilled promises of callbacks. The failure to permanently adjust my interest rate and provide back pay for the overcharged period has led me to file this formal complaint. I am seeking a resolution that includes the application of the SCRA-mandated 6 % interest rate for the entirety of my XXXX  and a refund for the excess interest charged. It's important to note that my account has remained in good standing throughout.