davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-15
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: Experian Information Solutions Inc. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners (CA)

I thought this was illegal in the state of california? 

This is from a medical debt in XXXX from a car accident ambulance ride. This was PAID with my XXXX XXXX card back in XXXX. This was PAID. I have made a request to XXXX to obtain my statement from XXXX. They are working on my request.
Consumer complaint received 2023-07-25
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-08-07
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC (MN)

The Best Egg company will not send me monthly statements. I have been paying early ( ahead of the due date ) the last two months in a row to get ahead and hopefully pay less interest. 

I'm concerned about the payment application ( s ) with Best Egg. Last month i paid on XX/XX/23 and of my {$250.00} payment. {$200.00} went to principal and {$41.00} went to interest. Whereas this month ( XXXX ) I paid on XX/XX/23 well ahead of the due date, and {$170.00} went to principal with {$78.00} going to interest. 

I would like for the company to send me a monthly statement via US Mail so i can closely monitor my account. Additionally, i would like for the company to review my account and payments applied and explain why i'm being charged more interest ; Especially if the interest is not yet due for the next corresponding month.
Consumer complaint received 2023-06-06
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: EQUIFAX, INC. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-17
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 to the fair reporting act XXXX  account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them immediately.
Consumer complaint received 2021-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/2021 at XXXX I received a phone call from XXXX calling me on behalf of my bank telling me that I can save on my interest rate with my " high '' balance [ they named my bank XXXX credit card. He said I'm paying interest as high as 26 % and he's been authorized to lower it, I replied I don't pay that. I asked the caller what company he was calling from. He would not say but continued on with his sales pitch. Then I asked him if he was with my bank to tell me what my balance was on my " high '' balance credit card with them. Again he would not answer. Again I asked where he was calling from. As I started to question him further he hung up on me. When I called the number back it was for Capital One. I do not have a Capital One account. I then went through various people to finally be transferred to a Supervisor and asked who was your Compliance Officer, which she would not say. I then asked her if this line was recorded. It was, for training purposes, excellent news. I proceeded to tell her that they are in direct violation of CFPB for Deceptive Marketing Practices and that they can be fined for this and that I had already filed a complaint with Do Not Call Registry and will be filing with CFPB. You can not call someone pretending to be from their bank and refuse to answer that question. I told her to make sure that you take this complaint directly to your Compliance Officer because this is a big problem with legal ramifications. do you understand what I just said. She said yes. I told her to go do that now. The regular consumer wouldn't know that the Dodd-Frank Act protects the consumer and that the CFPB regulates the industry, and I just did my training on it yesterday. To bad for them.
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, 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. (CT)

XXXX XXXX XXXX added a loan for a car that I did not have. It was purchased in XXXX and charged off in XXXX. I contacted them several times. Turned down money they tried sending to me. Today they added it as new debt to my Experian Credit Report. It was on XXXX than removed now it is on Experian. This just will not stop.
Consumer complaint received 2023-01-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

In XX/XX/2021 I received a letter that my mortgage was due in XXXX. I was unaware of that and told Rushmore. I didn't want to use all my savings to pay the balance. I was renting the property at the time and unable to refinance. I'm also retired. The only solution was to accept the Rushmore " rate renewal '' at more than twice the prior rate ( XXXX XXXX XXXX XXXX  ) The tenant moved out in XXXX and I moved back to the property. I now have to borrow from savings each month to pay the higher payments ( + $ XXXX ) in addition to higher food & other expenses due to inflation. I called Rushmore for help. They offered loan modification or other program so I went thru the extensive process, with documents & information. I now received a bizarre letter that I don't have enough income to support a loan modification. Which is why I asked for help. That " rate renewal '' far exceeds the market even with higher rates. I tried to refinance the loan but it adds more to the balance without offering lower monthly payments. Don't they have to provide assistance? Lower interest or refinance the loan to extend the date for lower monthly payments. I can't keep depleting my savings to pay this outrageous inflated rate.
Consumer complaint received 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Mercury Financial Intermediate LLC (VA)

Mercury Financial Inc. claims on their website that " *Pricing Information : Annual Fee : {$0.00}. The variable Annual Percentage Rate ( APR ) for Purchases, Balance Transfers, and Cash Advances is currently 29.99 % to 32.99 %. The APR will vary with the market based on the Prime Rate. Minimum interest charge : {$0.00}. Balance Transfer Fee : 4 % or {$5.00}, whichever is greater. Cash Advance Fee : 5 % or {$10.00}, whichever is greater. Foreign Transaction Fee : 3 %. This information is accurate as of XX/XX/year> and is subject to change after this date. '' which was well over 12 months ago & cardholder is requesting replacement card
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (AR)

The account is from Fair Collections & Outsourcing. Account number is XXXX. The debt is from XX/XX/2014. Collection amount is {$1900.00} I have disputed this account several times and spoken to several people about the matter. It comes back that it can not be taken off of my credit every time. There are several supposed damages to this apartment building that I had nothing to do with. The charges on the report are excessive. I have asked for any type of evidence to prove that I did any of this and was told I would recieve photos only to find out that was a lie. The lady that was my landlord at the time ( XXXX XXXX ) did not like me and was very mean. I have called the apartment complex ( XXXX XXXX XXXX, AR ) and the new office lady told me she has had several calls about the previous management. They offered to settle with me for {$1000.00}, ( which I said I would not pay because I did no damage to the building ) then after I disputed the account they went back to the original debt. I have tried everything. I tried to go back to the apartment to clean it while I had 2 days left on the lease and she took my keys and kicked me off the property and lied about everything. I am a very responsible person and would never damage someone elses property. I would like this issue to be looked into further. As I have no evidence, only my word. Thank you. XXXX XXXX
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

I DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA XXXX - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When XXXX passes laws about a lot of issues - XXXX - XXXX - XXXX - to quickly state XXXX examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with XXXX - XXXX  - XXXX & a very large number of other laws! 

Please help the employees of your company understand these concepts!
Consumer complaint received 2023-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NC)

I HAVE SEVERAL UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE LISTED BELOW. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-18
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. (FL)

In my credit report there is a credit card account open with XXXX XXXX XXXX  reported as delinquency. I never had such account and I reported to the bank such account as theft of my social security number.
Consumer complaint received 2024-04-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXXXXXX 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 whic
h 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 2023-08-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I want to request assistance and file a complaint against USAA federal Savings Bank for refusing to close my accounts with the Bank. Since XXXX, I have been trying to close my USAA and bank account and been running into a number of issues. Every time my bank accounts with USAA have been closed, a few months later, they are reopened by a fraudster in violation of bank rules and regulations. 

In XXXX and XXXX, I called USAA many times and expressed my desire to terminate my business relationship with them and close my bank account. Each time, they stonewalled me and tried to talk me out of it. I had to file a complaint with the Consumer Financial Protection Bureau against USAA for refusing to close my bank accounts, Reference number XXXX. Finally on XX/XX/XXXX, I sent a certified letter to USAA by XXXX ( tracking # XXXX ) requesting that all my accounts be closed. On XX/XX/XXXX, I followed up by calling USAA about closing my USAA membership # XXXX and bank accounts. USAA finally agreed to close my accounts. After my accounts were closed, they sent me XXXX bank checks ( XXXX check for over {$2000.00} and another check about {$1000.00} ) which I deposited into my XXXX XXXX checking account o/a XX/XX/XXXX. I XXXX have about {$4000.00} missing from my checking account with XXXX XXXX. 

A few months later, I noticed that the USAA checks were mysteriously missing from my checking account with XXXX XXXX. I quickly reported the matter to the XXXX XXXX XXXX in XXXX GA which they investigated. Prior to being missing, the checks were processed, cleared, and the money deposited into my checking account. In about 10 days, XXXX XXXX was able to locate the checks within its system and sent a copy of the checks to my email. Again after a few months, the USAA checks mysteriously disappeared again from both my checking and email account. They have not reappeared since then and the bank personnel are uninterested in helping me find those XXXX checks from USAA. Their responses are : we dont know where the checks are or We cant find them. 

In the meantime, USAA is sending me bank detailed information as if I have an unauthorized bank account with them. Im afraid to call USAA but Im concerned that my bank account with USAA has been illegally reopened by a fraudster with the missing money in it. This is a violation of trust and banking regulations.
Consumer complaint received 2023-08-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc. (IA)

I was applying and looking at a mortgage for my son and I and was notified by the credit union i had a collection on my account through I C system from XXXX communication. i had canceled and returned all equipment and was told i owed nothing to them and recieved zero contact from the debt collector about it being reported on my credit report leaving a deragatory remark, which in turn hindered my chances of getting a mortgage. XXXX told me they have bo ledger or description of why i owe or what i owe. The deragatory remark on my credit report without any notice from the collector because it being a charge off which they will not collect is unethical to not give the person notice or a right to dispute the debt in which my case i do not believe i owe. Finding this out just now when applying for something like this is very unsettling.
Consumer complaint received 2023-08-05
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Harris & Harris, Ltd. (CA)

I received a letter from this Alleged Debt Collector Trying to demand a payment of {$330.00}. I'm attaching the letter received as reference, The amount is fully disputed due to the Fact I suffered a Physical Assault by an Employee of the XXXX XXXX XXXX XXXXXXXX around by that time, I was paid by the city of XXXX XXXX property damage, medical expense, The XXXX XXXX XXXX XXXX Forgot to dismiss this False Parking Ticket it was a part of the settlement at that time. 
Thats the reason I want to escalate to the Attention of the CFPB since the Alleged Debtor Harris & Harris LTD 's Fraudulent business Practice is trying to collect an amount of {$330.00} I don't owe to none.
Consumer complaint received 2023-08-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc (NC)

After reviewing my credit file on XX/XX/23 I identified a discrepancy with account listed under AFFIRM INC and validation was requested as this was ab account that I did not recognize. I reviewed my credit report again XX/XX/23 and the account continues reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, not has my credit report been updated to reflect the account is disputed. I do not believe this account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
Consumer complaint received 2018-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I DEMAND THAT THIS NOTE BE SHOWN TO AN FCRA LAWYER! 
Dear FCRA Lawyer - Please explain to the employees of your company - who are handling my files - please explain to them that they are legally obligated to REMOVE false & un-verified derogatory items within in 30 days of dispute! 

Please also explain to them - that - in my case - that 30 days time frame EXPIRED A LONG TIME AGO! Because of that - they must fully remove all derogatory items from my files THE SAME DAY THAT YOUR COMPANY RECEIVES THIS LETTER! 

Please also explain to those employees that removal of false & un-verified derogatories of is matter of a lot of different kinds of laws! FCRA! CPA! FACTA! 

When Congress passes laws about a lot of issues - Jobs - Healthcare - Guns - to quickly state 3 examples - often these issues are connected to Credit Reports & Background Checks. 

A very large number of laws protect people from false & un-verified derogatories. A very large number of laws require ethical conduct by Companies with these kinds of files. These matters are about compliance with ADA - ACA - FOPA & a very large number of other laws! 

Please help the employees of your company understand these concepts!