davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I called my credit card company to inquire about why my cash advance balance has grown while I have been paying off interest plus principle religiously for the past few years. What they said they are doing is, at the end of my statement period, they are assessing interest. Then, they set a minimum payment with a little bit of premium. They take my payment and apply the little bit of principle to the higher interest rate. Then, they take the remaining amount paid and instead of applying it to interest, they apply it to the lower balance and, at the same time, add that amount to the cash advance balance. 

The result is that the cash advance balance accrues and will continue to do so, eventually resulting in the entire balance being assess the often much higher interest rate. 

After speaking to multiple representatives at my bank, consulting with the consumer credit card act and reading my credit card agreement, this process continues to be very confusing. In one conversation this afternoon, at approximate XXXX XXXX EST, I spoke with a representative at Capital One who assured me that my cash advance balance was " not '' growing. Then, after some additional discussion, she pulled up the amount of the original cash advance, {$320.00}. 

Despite making payments over the past 3 years since that small cash advance in XXXX, my cash advance balance - or in other words the amount being charged the higher interest rate - is now {$1400.00} and is seeing a higher interest rate of 22.9 %. 

The small amount of principle is offset by the increase in the cash advance balance. 

I am certain the consumer protection laws was written with the intent that payments would be applied to the " higher '' interest rate balances first but it seems the credit card companies have created a work around that is actually resulting in a situation that is worse for the consumer. I am not sure if this is worse than when the law went into affect but this is probably not the result the drafters of the law intended. 

I feel additional legislation needs to be enacted that would require credit card companies to apply the amount paid to the interest and higher rate principle, not surreptitiously add the amount on to the cash advance balance.
Consumer complaint received 2022-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A. (AL)

On XX/XX/XXXX my family booked a vacation on my citi card with XXXX / after arriving at the destination it was not as described and infested with roaches. We called XXXX XXXX  several times, they did not answer. We took our toddlers and fled the property. We then contacted Citi because XXXX wouldnt acknowledge us and we left well before our pre paid stay was over due to uninhabitable conditions. Citi card never asked me for further proof ( I have photos, screen shots and endless proof that citi could have had had they asked ). Citi maintains they heard back from the merchant ( XXXX ) closed it and ruled in their favor- without so much as reaching out and asking us for more info. This was a $ XXXX issue. Citibank is consistently handling things like this. I have the proof we are in the right, citi never reaches out and asks- they always side with the merchant.
Consumer complaint received 2019-12-23
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (RI)

My mortgage from XXXX XXXX was " sold '' to this debt collector. I had received a bunch of harassing calls and letters for payment even though I was set up for EFT. I made a payment over the phone with a representative and paid exactly what was asked. I received a letter saying I shorted by XXXX cents and now they are forcing me to set up an escrow account. They are not abiding by the original terms of the loan either ; they are forcing me to obtain condo insurance when my master plans covers this. When I call the agents are rude or sound drunk and high. They are a predatory lending company and trying to take my property away from me as they are ruthless. This company is not accredited by better business bureau. They should be shuttered once and for all.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, 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.

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 2020-09-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Collection was opened XXXX XXXX amount {$1800.00} Collector Midland Funding LLC original creditor 01 XXXX  XXXX XXXX A Account Status with XXXX  says Open
Consumer complaint received 2024-03-10
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)

**Dispute Statement** I, XXXX XXXX XXXX XXXX dispute the address at XXXX XXXX XXXX, XXXX, GA XXXX XXXX reported on XX/XX/XXXX, with dispute number ( XXXX ) XXXX. Additionally, I request the addition of my XXXX XXXX XXXX XXXX XXXX 

Regarding inquiries, I dispute the following : 1. XXXX  - Location : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual 2. XXXX XXXXXXXX XXXX XXXX - Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX - Requested On : XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual Regarding aliases, dispute the following names and IDs : - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX XXXX, ID # XXXX - XXXX XXXX, ID # XXXX Dispute addresses at : XXXX. XXXXXXXX XXXX XXXX  XXXX, XXXX, GA, XXXX, Address ID # XXXX, Single family Additionally, I request the addition of my XXXX XXXX XXXX XXXX XXXX 

Dispute the following hard inquiries : XXXX. XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX, WI, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX, SC, XXXX XXXX. XXXX XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX XXXX. XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, GA, XXXX XXXX. XXXX XXXX XXXX : Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Please investigate and remove these inaccuracies promptly. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am writing to file a formal complaint against TransUnion for their repeated failure to address inaccuracies on my credit report despite multiple attempts to rectify the situation. 

On XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed dispute letters to Transunion requesting an investigation into inaccurate items on my credit report. Additionally, I disputed incorrect personal information listed on my credit report during these correspondences. To aid Transunion in verifying my identity and address, I ensured to include a copy of my photo ID, social security card, and a recent bill with my current address. 

These inaccuracies and incorrect personal details have adversely impacted my financial standing and credibility. Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing ample documentation to verify my identity and address, Transunion has failed to acknowledge or act upon my disputes within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, Transunion 's repeated lack of response and disregard for my consumer rights have caused unwarranted stress and financial implications for me. 

I received a response back from Transunion dated XX/XX/2023 and XX/XX/2023 stating the following : We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

I am seeking intervention from the Consumer Financial Protection Bureau to compel Transunion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines. 

It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Transunion along with Transunion 's response as proof.
Consumer complaint received 2022-01-04
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Property XXXX XXXX XXXX, XXXX, NJ XXXX # XXXX Sold XXXX 1st Modification XXXX Transfer to Ocwen XXXX Three payments paid but not credited XXXX, XXXX, XXXX and XXXX, XXXX. 
XX/XX/XXXX loan transferred to XXXX. 
XX/XX/XXXX payment sent to XXXX as directed. 
XX/XX/XXXX loan sent back to Ocwen. 
XX/XX/XXXX XXXX payment returned to Ocwen and credited to trial modification. Nj 2nd Modification trial payments completed XXXX, XXXX to XXXX, XXXX Shortage of {$5000.00} requested to be corrected. Ocwen refused to add the missing {$5000.00} and ended the Modification saying that {$10000.00} was owed in XXXX, XXXX. 
XXXX, XXXX Appeal sent for termination of the Modification to Ocwen and XXXX XXXX but they refused. 
XXXX, XXXX mortgagee filed complaint in XXXX XXXX XXXX XXXX and requested that the mortgage be paid through a court account since Ocwen was not applying payments properly. Request denied. 
XXXX mortgagee files a XXXX Complaint in XXXX XXXX XXXX. 
XXXX Servicing of the Mortgage was assigned to the XXXX XXXX XXXX. 
Improper Servicing was submitted for every stage of the Foreclosure Process so mortgagee was unable to appear due to never being notified. 
XX/XX/XXXX trial period for XXXX Modification was paid until XX/XX/XXXX but no permanent modification was received in the mail from Ocwen. 
XXXX XXXX XXXX said they sent the permanent Modification by email which was false and subsequently XXXX closed the Permanent Modification in XXXX, XXXX unknown to the mortgagee so payments continued until XXXX, XXXX. 
In answer to a CFPB complaint also in XXXX, XXXX, the missing payment of XXXX, XXXX was found and credited back to the mortgage. The missing payments of XXXX & XXXX should be investigated so it can be verified that the loan was not delinquent in XXXX and the Foreclosure is illegal and should be reversed in favor of the mortgagee by titling the house to the mortgagee for {$16000.00} and no further payments. Or return the house for {$2000.00}.
Consumer complaint received 2019-11-29
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. (TN)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-12-23
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. (TX)

Hello, my name is XXXX XXXX XXXX XXXX and I am a victim of Identity Theft. Someone stole my personal information and opened the following fraudulent accounts in my name. I reported it to the credit bureaus and I was waiting for a full police report. Once I received the response the credit bureaus had already closed out my dispute. I ask the the following fraudulent accts. be removed from my credit file : XXXX XXXX OPENED  : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX AMT. XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXI Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX INCLUDING THE INQUIRIES ON MY POLICE REPORT.
Consumer complaint received 2019-12-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (MA)

This complaint is based on violations of the FCRA, the FDCPA and MGL c.93A of the Massachusetts Consumer Protection Act by the Respondent. 
___ On XXXX XXXX 2019, I reviewed my credit reports and saw a collection account reported by the respondent. This was the very first time I discovered the alleged debt. The respondent never mailed me an initial letter, and did not instruct me of my right to dispute the debt as required by the FDCPA and Massachusetts law. 
___ OnXX/XX/XXXX2019, I disputed the debt directly with the respondent in writing. In my letter, I requested the materials required by Massachusetts law 940 CMR 7.08 ( 2 ) to validate the debt. Attached please find a copy of my certified letter to this complaint. 
___ At no time did the respondent reply to my letter or validate the debt. 
___ On XXXX XXXX, 2019, I then disputed the account with the credit reporting agencies. In my dispute, I stated that I had no knowledge of the account, and that the respondent failed to validate the debt as required by Massachusetts law and the FDCPA. 
___ In the second week of XXXX 2019, I received the results of the re-investigations from the credit reporting agencies, where the respondent failed to cease collection of the debt, by telling the credit bureaus that they verified the account. 
___ It is well settled case law that verifying a debt to the credit bureaus before validating the debt to the consumer is the failure to cease collection of the debt, in violation of the FDCPA. See Semper v. JBC Legal Group 2005 WL 2172377, _*4 ( W.D. Wash. 2005 ). 
___ The Respondents failure to send validation of debt can only be construed that they do not have these materials in their possession. By verifying information to a credit reporting agency without account-level documentation, Respondent violated section 1681s-2 ( b ) of the Fair Credit Reporting Act. See Hinkle v. Midland Credit Management , Inc, No. 3:2013cv00033 ( S.D. Ga. 2015 ). 
___Based on the aforementioned facts ( and supported by the attached certified letter ), the respondent engaged in following wrongful conduct : ___ ( a ) Violation of the FDCPA 15 USC 1692g ( b ) in that they have continued collection activity while failing to  validate the debt. 
___ ( b ) Violation of the FDCPA 15 USC 1692e ( 2 ) ( A ) in that they misrepresented the character, amount of legal status of the debt. 
___ ( c ) Violation of the FCRA 15 USC 1681s-2 ( b ) ( 1 ) ( A ) in that they failed to conduct a reasonable investigation of my dispute to the credit reporting agencies. 
___ ( d ) Violation of the FCRA 15 USC 1 681s-2 ( b ) ( 1 ) ( E ) in that they failed to modify, delete, and/or permanently block the reporting of inaccurate or unverifiable information on my credit reports. 
___ ( e ) Violation of 940 CMR 7.08 ( 2 ) and MGL c.93A 2 in that they failed to cease collection of the debt before providing the materials required by Massachusetts law.
Consumer complaint received 2022-01-04
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. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Sc XXXX has been reporting false information, about me, to the credit bureaus for over 2 years. 
I filed a police report for fraud and identity theft, regarding this account and others. 

The account has been removed from my credit report on multiple locations but after it is removed XXXX XXXX XXXX will then have it reported to my credit report again under their partner, Collection Agency, XXXX XXXX, XXXX. 

Same owner ( s ), same city, state and address. 
As of XX/XX/2021, They are claiming that I owe them a loan in the amount of {$24000.00}. I have never taken a personal loan out with this company and I certainly have no written agreement with them. 

In XXXX XXXX XXXX, I faxed and certified mail them a letter asking for proof of this loan that they're claiming that I owe them. I also demanded that they contact the credit bureaus and have this false collection account removed from my credit bureau. I was never sent written proof of this loan agreement, nor was the collection removed from my credit reports.
Consumer complaint received 2022-01-04
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: EQUIFAX, INC. (NY)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Consumer complaint received 2024-03-13
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. (LA)

i am a victim of identity theft and i sent in my FTC report along with all the information concerning 15 usc 1681 to all CRAs on XXXX for it to be deleted within XXXX business days. I am requesting that they delete the information from my credit report because its not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I am writing to follow up on my ongoing complaint regarding an entry on my credit report that I believe is inaccurate and misleading. Despite previous correspondence and efforts to rectify this matter, I am disappointed to find that the discrepancy persists across all three credit bureaus.