davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC (TN)

I got a title loan in 2020 for XXXX dollars. I paid that off more than once. But they stuck me with almost XXXX in interest. Which caused me to lose my car. But the loan was payed off and then some. But they kept hiking me up on the interest. I feel like I deserve to get some of the XXXX $ back that I paid for on a XXXX $ loan.
Consumer complaint received 2023-08-31
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or wholly updated : 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 2024-01-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (CA)

I have been dealing with an on-going fraud issue with XXXX Bank XXXX which due to their ineptitude, resulted in late payment reporting which has since been reverse. However, American Express, a company which I have never, ever had a late payment with and always pay my full balance with every month, decided that due to the credit reporting, they would lower the available balances on XXXX of my credit cards with them, a XXXX  AmEx and a Blue XXXX XXXX AmEx. Since the negative reporting has been removed, they have not reinstated the previous limits that were extended to me. This in turn, also affected my credit, because the credit usage rate went up since the available credit was reduced. 

In addition, I became aware today that AmEx is attempting to charge over {$110.00} in interest charges and a late fee on my XXXX  card, a card that I pay an annual fee of {$800.00} on, because by their systems, my payment was an hour and XXXX XXXX minutes late. I am unclear what time zone they operate under, but this is absurd by any stretch of the imagination. The payment had clearly been made by open of business the next morning. They did not suffer any hardship as a result of a payment being ( according to them ) an hour and fifty-six minutes late. I attempted to address this with their customer service team, but their team was useless and said they were unable to help. 

I want AmEx to reinstate the previous credit limits on both cards, and refund their insane and unjustified interest charges and late fee they think are acceptable to charge for a payment purportedly being an hour and XXXX XXXX minutes late.
Consumer complaint received 2023-08-30
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: EQUIFAX, INC. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting items as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX ; XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX Balance Owed : {$650.00} ; XXXX  XXXX Balance Owed : {$170.00} ; XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$24.00} ; XXXX XXXX XXXX XXXX BalanceOwed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX XXXX XXXX Owed : {$790.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} ; XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$2100.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$1000.00} ; XXXX  XXXX XXXX Balance Owed : {$800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$270.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Consumer complaint received 2023-08-31
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: EQUIFAX, INC. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is unacceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or wholly updated 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 2018-12-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (FL)

I have a sale date on my property for XX/XX/2019 and file per my lender my loan is in litigation and my 3rd party I have authorized and my attorney even authorized to speak on my behalf with XXXX XXXX XXXX. This has been a on going issue with the lender Attorney XXXX XXXX XXXX for the Litigation process, this woman never returned my calls or EVER responded to emails at all, I have attached a conversation with all parties and it CLEARLY SHOWS that my Attorney XXXX gave XXXX all the authorization needed to be for them to speak on my behalf and she refuses to return a call to anyone at all. With my sale date around the corner XXXX wants to speak to my lender and go over the status of the file to get me some sort of mortgage assistance. I had them even email to Rushmore my lender to a Manager, Mr. XXXX and he is the same way he washes his hands of it and passes it on to who ever he can to not speak to any one. How can i get anywhere when i cant speak or have anyone speak to my lender and know what is going on with my file today.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc. (MA)

Congress finds there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the authorized representative and original creditor on behalf of : XXXX XXXX XXXX Upon review of my credit report, I have noticed discrepancies in the information reported by XXXX, XXXX and XXXX. It appears that there are inaccuracies regarding the debts owed and listed on the consumer report. As the original creditor, I request a thorough and FULL investigation into these discrepancies and a FULL disclosure of the consumer files you have on record. In accordance to FCRA the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. ALL listed accounts are an invasion of privacy and extortion of credit. XXXX/Comenity BankXXXX XXXX is not in compliance with FCRA and are reporting inaccurate, unfairly and impartial information causing the consumer harm in extending credit and defamation of financial character. XXXX/COMENITY/XXXX, Date of Account XX/XX/2017, XXXX, I would like to receive the PROMISSORY NOTE connected to my student loan ( s ) in demand for accord and full satisfaction of the principal loan amount. Securitization of the assets was not disclosed to the consumer which would have essentially affected the consumers conscious decision making on the goods or services from XXXX. This would constitute Non Full Disclosure and unfair or deceptive acts or practices and a host of other violations listed below : FCRA SEC. 5 : unfair deceptive acts or practices 12 CFR 1026.13 15 U.S. Code Credit Billing : 1666. Correction of billing errors 1666a. Regulation of credit reports 1666b. Timing of Payments 1666c. Prompt and fair crediting of payments 1666d. Treatment of credit balances 1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor 1666.f Inducements of cardholders by sellers of cash discounts for payments by cash, check or similar means ; finance charge for sales transactions involving cash 1666g. Tie-in services prohibited for issuance of credit card 1666h. Offset of cardholders indebtness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses 1666i-1. limits on interest rate, fee, and finance charge increases applicable to outstanding balances
Consumer complaint received 2023-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Someone had opened an account in my name XXXX XXXX XXXX midland credit management. I only have XXXX account with them which is paid off. Ive been going on a battle to get this removed because its not mine and they convinced its mine I never open this I want it removed because it effected my score
Consumer complaint received 2024-01-17
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Prince Parker & Associates (SC)

XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Prince Parker and Association Subject : Debt Verification Request for Account in the name of XXXX XXXX Tax Payer Number ending in XXXX XXXX XXXX XXXX XXXX Account Dear Prince Parker and Association I am writing to request verification of the debt associated with the account in the name of XXXX XXXX tax payer number XXXX, as listed on the consumer report. I have not authorized the inclusion of this information, and I have no record of doing business with your agency. 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I request the following information to verify the legitimacy of the alleged debt : An official affidavit of debt pertaining to the account in question. 
A bill of sale confirming the transfer of this debt to your agency. 
Detailed accounting records showing the calculation of the owed amount. 
Documentation proving your ownership and purchase of this debt. 
Evidence establishing your agency as the original due holder in the course of this debt. 
Any contracts or agreements that bind me to this debt to you. 
Furthermore, I request access to my complete accounting records from the time the account was opened until now showing I owe you. This is essential to verify the accuracy and validity of the claimed debt. 

Please provide the requested information within 30 days from the date of this letter. Failure to do so may result in legal action to protect my rights. 

Sincerely, XXXX ; XXXX registered owner of XXXX XXXX property of the XXXX XXXX XXXX
Consumer complaint received 2023-09-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (SC)

On XX/XX/XXXX I mailed 2 checks from XXXX XXXX ( 1 drawn on Chase Bank # XXXX and the other on XXXX XXXX XXXX XXXX ) to XXXX XXXX XXXX XXXX XXXX to the attention of XXXX XXXX, Branch Manager. The purpose was to set up a XXXX XXXX earning 4.88 % Interest. The checks were never received. On XX/XX/XXXX The {$200000.00} check drawn on Chase payable to XXXX XXXX cleared my checking account even though there were insufficient funds available. Chase applied the overdraft protection attached to that account and cleared the funds from my money market account. The XXXX check for {$300000.00} was promptly returned for insufficient funds and XXXX XXXX was notified of the fraudulent attempt. Both Checks were stolen from the mail, was NOT endorsed and Deposited into a XXXX XXXX account in XXXX, XXXX. I was told that a claim was made by Chase to recover the funds from XXXX XXXX on XX/XX/XXXX. I have made several phone inquiries but always given the same response that it could take XXXX days to recover said funds. I have asked for written proof that XXXX XXXX was in fact contacted but have not received anything other than an acknowledgement that they did? The CLAIM # is XXXX. Please note a police incident report was filed with Chase. 
Both Chase and XXXX XXXX has to guaranty prior endorsements. Chase is making me wait for my money since XX/XX/XXXX!. 
Thank you XXXX XXXX
Consumer complaint received 2023-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I recently made a complaint about experian reporting inaccurate information on my report. XXXX removed everything from my report as ask. TRANSUNION AND XXXX have been illegally reporting information on my credit report and I need them all to be removed. I have made an address change and everything and collections and inquiries are still not removed but have been removed completely from experian. They need to be removed from XXXX and transunion as well asap. Below is proof that it was removed from XXXX  but not the other two
Consumer complaint received 2024-05-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (CA)

DEBT COLLECTION COMPANY : CONTRACT CALLERS INC ACCOUNT # : XXXX I SENT YOU A LETTER ON XX/XX/year> YOU HAVE NOT SHOWN ME PROPER PROCEDURES THAT YOU DID A REAL INVESTIGATION YOU JUST SAID THIS ITEM WAS VERIFIED HOW IS IT VERIFIED WHEN THE COLLECTION COMPANY HAS NOT VALIDATED OR VERIFIED THIS INFORMATION WITH ME ALSO I WANT THE ITEM DELETED IMMEDIATELY YOU ARE REPORTING MISLEADING DATA AND IVE CLEARLY SHOWN PROOF THAT THIS IS ALL MISLEADING IAM REQUESTING IMMEDIATE DELETION OF ALL PRIOR REPORTING MADE TO ANY CONSUMER AGENCIES XXXX, XXXX, XXXX, XXXX.YOU MUST CEASE COLLECTION EFFORTS UNTIL THIS ALLEGED DEBT ID VALIDATED. YOU MUST SHOW PROOF THAT YOU LEGALLY OWN THIS DEBT AND THAT IT IS ACCURATE AND COMPLETE. SINCE YOU HAVE NOT PROVIDED THE PROPER PROCEDURES OF A REAL INVESTIGATION THIS ACCOUNT MUST BE REMOVED IMMEDIATELY MY NAME XXXX XXXX XXXX XXXX MY DOB XXXX MY ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX
Consumer complaint received 2024-01-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advanced Resolution Services Inc. (VA)

Please Provide Consumer Report as well as submit an Opt Out Request to the following email with confirmation XXXX Per the FCRA as a federally protected consumer. I am now opting out of any and all authorizations that I the Consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. Effective immediately and indefinitely. 

BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Consumer complaint received 2023-10-24
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. (NE)

I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.
Consumer complaint received 2024-05-14
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: Affirm Holdings, Inc (TX)

I have a small collections/charge off on my report via Affirm. It was charged off and being managed by a 3rd party collections company called XXXX XXXX. 

I submitted a settlement payment for less than the balance owed directly to XXXX XXXX and received a confirmation email indicating the account is settled and balance is closed. However, Affirm refuses to acknowledge the account as settled and continues to report it as an open account with a balance. 

In addition, XXXX refuses to adjust the account even after I provide proof ... .meaning this particular CRA no longer has the consumer 's best interest and is only taking the creditors best interest.
Consumer complaint received 2024-05-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (NY)

I have made 24 payments totaling around {$74000.00} since XX/XX/XXXX and my principle continues to go up. Attempts to contact company have been unsuccessful. I have bank transactions for every payment. Current principle is {$430000.00} for a loan on a house that was purchased on XX/XX/XXXX for {$420000.00}. 17 years of payments and my principle is now higher than purchase price less down payment.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

We have a electronic withdraw on our mortgage payment each month on the XXXX of every month. My spouse changed the date to the XXXX of each month. 
In XXXX, the mortgage company, XXXX XXXX, pulled BOTH payments from our account, causing our checking account to be overdrawn. We contacted the mortgage company when we discovered this error. The mortgage company, XXXX XXXXXXXX, acknowledged that it was their fault and would refund the 2nd payment. 
It took 10 days of phone calls ( everyday ) that the funds would be refund - tomorrow. After 10 days, I requested to speak with an associate in escalation. The payment was refunded. Then a week later, the second payment was refunded ( which was not our request ). 
We then made the XXXX payment. The mortgage company, XXXX XXXX, informed us we were 30 days late and charged a late fee ( which was negated ). The mortgage company, XXXX XXXX, filed a report on our credit report for being 30 days late. 
We have never missed a payment. But with the mortgage company 's mistake ( fault ), it caused our credit scores to drop considerably.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (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. 

XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX  XXXX : XXXX 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 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 2024-05-14
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 (MA)

I registered the Visa Gift Card - tried to use it twice - both times declined I contacted PrepaidGiftBalance.com - they said I need to fax over a copy of the card - front and back and my ID- I have done this 5 times to 3 different fax numbers. They still wont release the funds- each time they say it's something different - can't read fax- it was blurry or the fax was too dark or the fax was jammed and need to resend. This has been going on for over 6 months.
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 2023-08-30
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. (GA)

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. 

has violated my rights. Or 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 2023-03-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Green Mountain Capital, LLC (OK)

Per FCRA and 15 U.S.C. 6802, as a federally protected consumer I am exercising my right expeditiously and opting out of ANY and ALL authorization, I the consumer may have given you : written, unwritten, verbal, and nonverbal.