davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-01-17
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: EQUIFAX, INC. (FL)

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 1
51.
Consumer complaint received 2020-03-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (MD)

Midwest Recovery Systems has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Consumer complaint received 2020-01-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Pendleton Capital Management (TX)

I have been getting private calls from this company for about a month.They leave prerecorded messages stating a file has been placed on there desk if I dont call back by close of business they are going to take legal action. The 1st call today XX/XX/20 was around XXXX or XXXX, the 2nd call was around XXXX. I auto dialed them back advised the rep that I spoke to a rep last week told them to stop calling my cell number contact me by mail. The lady stated they have not called me I advised her you call everyday and leave messages dont call me again. I asked for her name and number she said XXXX at ext XXXX. XXXX. She gave me her last name I was too heated to write it down. I advised her I was going to report the company. She said you owe a debt, she called me a name, I hung up. She called right back at XXXX I answered what, she said you are stupid. I said it takes one too know one and hung up. The name from the number she called back on says XXXX XXXX That was unnecessary and harrassment, not to mention very unprofessional. I know there are laws against this, ( 3 ) calls from the same company less than an hour,  threathening messages, and harrassment. She needs to lose her job and the company needs to be fined.
Consumer complaint received 2020-03-08
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2020-03-08
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (AL)

I have been working with Chase Mortgage Lending call center @ XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX. 
On XX/XX/2020 Mr XXXX XXXX my mortgage Advisor requested I pay {$500.00} in " Good Faith Funds '' for my file to go to Loan Review. He told me this {$500.00} would be a credit at closing. The property to purchase : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. A condo. 
On XX/XX/XXXX Mr XXXX sentan appraiser to this address. On XX/XX/2020 My sales agent told me this condo was in a fema flood zone and the condo assn. Does not carry flood insurance. Chase does not lend on flood zone property. The only remedy offered me is not having to front {$500.00} on another contract but pay again at closing. I want a {$500.00} refund as I do not want to deal with Chase Mortgage again and I am a XXXX y.o. senior citizen living on SS of $ XXXX  month. I was not truthfully told the purpose of the {$500.00} fee and I do not think an appraisal should have been ordered on a property in a flood zone. Contact info. At Chase : Mr XXXX XXXX Home Lending Manager of Dept @ XXXX. 
Thank You XXXX XXXX XXXX
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

XXXX  Violation account # XXXX. In reference to the above account listed, your company is in violation the Fair Credit Reporting Act ( " FCRA " ). The Health Insurance Portability and Accountability Act ( " XXXX " ). I have never received a XXXX release form with my signature authorizing my medical records and private information to be released to your company. I am requesting a copy of a XXXX release form of my medical records and private information with my signature authorizing your company to obtain these documents. ( Medical Revenue Service ).
Consumer complaint received 2023-05-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Commencing on or about XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of {$2900.00} from my Capital One account to the scammer. 

On the morning of XX/XX/2022, I was scrolling through my email and read that the XXXX XXXX had automatically renewed their protection plan for {$340.00}. However, if I didn't want to renew the protection plan, I should call their XXXX number to cancel. I called the XXXX number and spoke with XXXX XXXX ( XXXX  )XXXX XXXX asked me to open my computer, and allow him to connect his computer and banking system to mine in order for him to replace the {$340.00} deducted from my account. When it came to the prompt, I was to type in the amount deducted from my account. Unfortunately, my fingers quivered and I accidentally typed XXXX. At which point XXXX  went into his act, because he couldn't correct the mistake, the money was already transferred and he was going to be fired, I could be charged for bank fraud due to overage of payment, his family was going to suffer, etc. His accent was that of the XXXX XXXX, but he claimed to be a hardworking and honest XXXX man, who would never lie to me. ( According to bank records, the money never appeared in my account. The only time it showed up was when XXXX  linked up with my account. ) I offered to write him a check for the overage but XXXX  said I couldn't do that because our accounts, mine and his, were frozen until I paid the overage. XXXX  told me the way to pay back the overage was through the purchase of gift cards at pharmacies or stores. XXXX  directed all my purchases at every store by card types and amounts. I purchased cards in {$50.00}, {$100.00} and {$500.00} amounts. The various gift cards included XXXX XXXX, XXXX and XXXX. 

I questioned him on the amounts I had given him several times because I felt sure I had more than repaid the amount owed. XXXX responded to my questions by saying many of the cards were not properly activated. He also couldn't tell me the amounts I had given because it took time to process the cards. XXXX  also gave me his desk phone number ( XXXX ) XXXX.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (MA)

We purchased a {$50.00} general-purpose gift card at XXXX and also paid the {$4.00} activation fee ( total spent {$54.00} XXXX, with expiration date XX/XX/XXXX. When we tried to use it for the first time, the transaction was declined. We called the card issuer right away XXXX Saturday XX/XX/XXXX ) at XXXX XXXX XXXX XXXX to resolve the issue. We were told the balance is {$0.00}, no longer {$50.00}. The reason given was the fees over time. The service rep said she has put in a request to revert to the original balance of {$50.00} and the process would take 24 to 48 hours, and that we should expect a call within that timeframe. As of today, no calls received. On Monday XX/XX/XXXX, we called them to follow up. We were again told 48 hours. We called today and was told the issuer US Bank has no time estimate when or whether this can be resolved and our only option is to keep checking the card balance online. 
That the balance of a prepaid gift card ( see attached image ) can simply vanish is beyond comprehension. Our good faith effort to resolve the issue has been met with unmet promises and no follow-up.
Consumer complaint received 2020-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NY)

On this date being XX/XX/XXXX I, XXXX XXXX is initiating a complaint against Rushmore Loan Management Services regarding my property located at XXXX XXXX XXXX in XXXX, New York XXXX loan number being XXXX. My monthly mortgage amount was {$350.00} from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXXmonthly payments commenced in the amount of {$330.00}. This complaint stems from the following and serves as the 2nd complaint against the Servicer, since XX/XX/XXXX : A ) Error Regarding Payment Remittance. 

Please be advised on XX/XX/XXXX I received the attached letter via email by a family friend who checks on my property and forwards any/all important mail when I'm out of town. In addition, I retain most of my important accounts with me when I travel. 

The attached letter states that my XXXX payment received by the Servicer was in the amount of {$300.00} short by {$47.00}. The Servicer states they are accepting the payment as a courtesy but I must remit the shortage with my next mortgage payment. 

On XX/XX/XXXX a money order from the United States Postal Service was purchased and submitted to the Servicer in the amount of {$350.00}. In addition, the payment was forwarded to the Servicer via Priority Mail. 

I am attaching the following as evidence of making the payment of {$350.00} to the Servicer : 1. US Postal Service Money Order Stub 2. Receipt for Money Order 3. Priority Mail Receipt I am requesting the Servicer to correct their Error and apply my XXXX payment in the amount of {$350.00} to my account accordingly. In addition, I requesting a letter from the Servicer rectifying this matter accordingly. Please be advised in XX/XX/XXXX monthly payments have decreased from {$350.00} to {$330.00}. However, I selected to make a payment of {$350.00}. It would be unlawful and unwarranted for the Servicer to fraudulently apply additional payments to my account when the payment of {$350.00} was forwarded.
Consumer complaint received 2018-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

XX/XX/2018 I called them caus I feel i like They are changing too high on interest. 24.15 % is ridiculously high. No XXXX and XXXX card just got in big trouble for that. I call asking them to lower it into the teens they told me the lowest I can go is 20.99 %. Still too high if you ask me. I told them I would be reporting them to you and as soon as I pay it off in a few months I will be deactivating my card and no longer using them due to their crookedness of a high interest-rates
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A. (FL)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that MACY'S/DSNB has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30  days/60  days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I put security freezes on my accounts with XXXX  and Experian  in 2017. I received confirmation of the freezes and PIN numbers, from each service. I now want to lift the freeze so I can refinance a home mortgage. 
Both companies now say that I need a password, instead of a PIN. I have spent more than an hour trying to get information on how I can get a password, using the comanies ' online resources and " help '' or " service '' line. 
XXXX  representatives have disconnected me twice, when I finally get in touch with a human who supposedly can help me. 
I can not get an option to speak to a human at Experian, and their automated options don't include a solution to my problem. Experian 's online resource, which is the only way that I can contact Experian, reports that the companyt doesn't have an account with me, based on my DOB and SSN. This is notwithstanding the fact that I have a PIN from Experian  from 2017, when the freeze was put in place.
Consumer complaint received 2022-02-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP (NE)

I made a balance transfer to pay off the US Bank XXXX XXXX XXXX ) credit card around XX/XX/XXXX. The transfer did not go through until XX/XX/XXXX or so. Because of the delay ( they ( US Bank ) admitted there was a delay of at least five days ). They charge me a late fee and additional interest on the old balance. In addition, U.S Bank has been misapplying the payment I've made between the purchase and cash balance accounts. I " been making many payment over the minimum amount, however the balance to the cash account kept going up. They said it was interest on the cash balance. I say it is because they did not apply the amount over the minimum to the cash account. The minimum amount can't be calculated with the previous months interest plus an additional amount or this would defeat the purpose of the law that says amounts over the minimum must be applied to the highest interest account. The cash account went up to over {$4000.00} and over the past couple of years ( ever since the card was transferred from XXXX XXXX to U.S. Bank ). The amount should be around {$2000.00} that I would owe. Now the balance transfer has gone through and there is a balance of about {$99.00}, however, I believe U.S. Bank ( XXXX XXXX ) owes me the difference on the misapplied, over the minimum payments to that account - about {$2000.00}.
Consumer complaint received 2020-01-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC (TX)

In reviewing my credit report I noticed an account listed from CAVALRY PORTFOLIO SERVICES. However I have no knowledge of this account. My first concern is that I was never notified of this debt, so I immediately go to the company website. When I attempt to login and see what this is about I get an error message saying I need to contact another company. 
Meaning this company no longer has control of the alleged debt : yet it is still reporting. I have received no communication from either place which is alarming to me. 

I am disputing this account. 
This letter is being sent to you in response to an entry made on my Credit Report dated XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes. 

This account needs to be permanently deleted.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2020-03-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (CA)

Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Wa. XXXX ( XXXX ) ~XXXX~ XXXX Date XX/XX/2020, Creditor : XXXX, Client account : # XXXX Convergent Account : # XXXX Reduced Balance Amount {$250.00} Amount Owed : {$380.00} Total Balance : {$380.00} Additional Address : XXXX XXXX XXXX  XXXX XXXX, PA XXXX Change Service Requested I called XXXX and the letter is fraudulent. They will also report the company they say.
Consumer complaint received 2020-03-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ClearOne Advantage, LLC (MO)

I enrolled in XX/XX/2019 and I was told it would take 3 to 4  months to resolve with my creditors. It is now going on 4 months. I was not behind in any of my bills I gathered debt due to the high interest. The phone calls from my creditors never stop. I am unable to get help from a Clear One representative.
Consumer complaint received 2020-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AZ)

I put security freezes on my accounts with Equifax and XXXX  in 2017. I received confirmation of the freezes and PIN numbers, from each service. I now want to lift the freeze so I can refinance a home mortgage. 
Both companies now say that I need a password, instead of a PIN. I have spent more than an hour trying to get information on how I can get a password, using the comanies ' online resources and " help '' or " service '' line. 
Equifax representatives have disconnected me twice, when I finally get in touch with a human who supposedly can help me. 
I can not get an option to speak to a human at XXXX, and their automated options don't include a solution to my problem. XXXX  's online resource, which is the only way that I can contact XXXX, reports that the companyt doesn't have an account with me, based on my DOB and SSN. This is notwithstanding the fact that I have a PIN from XXXX  from 2017, when the freeze was put in place.
Consumer complaint received 2022-11-11
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. (CA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated and corrected these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX