davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp (MI)

I originally started off with a request for a pay off. The lady on the phone was no help and said anything I needed was on the portal. I created an account and and search for the payoff I found my payment history. The payments I made are correct. In addition to the regular monthly payments due, I was making additional payments. These extra payments and anything additional made monthly on the regular scheduled payment due were to be applied towards principle. My discovery was thr additional payments that were made throughout each month were not fully apply towards the principal. Meaning they were taking money out for interest as well from the additional payments that were being made. I have taken several screenshots from month-to-month and also put it through my amortization calculator. I have tried rectifying the situation and getting answers but have been given the runaround with generic answers. I would like this matter resolved. In addition I would like a full pay off so I know the total amount due and I can pay them and be done with them.
Consumer complaint received 2022-11-03
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. (PA)

I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXXXXXX XXXX   Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/2020 -Unauthorized inquiry by Identity Theft
Consumer complaint received 2024-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (IL)

PLEASE ACTUALLY READ : STOP IGNORING YOUR COMPLAINTS OF LEGAL VIOLATIONS, I AM NOT ASKING FOR VERIFICATION : YOU ARE VIOLATING ILLINOIS STATE LAWS This is getting out of hand with Persolve and I will have to involve legal action as they CONTINUE to meticulously ignore the Illinois law. I previously made a XXXX complaint informing them they are in violation of Illinois statute 205 ILCS 740/ Collection Agency Act. Which clearly states to collect a debt that the company must be licensed as a collection agency in illinois with the Illinois Department of Finance. Persolve continues to IGNORE this statement and keeps telling me they verified the debt. Persolve is pretending to be ignorant in order to not correct this issue. 

I AM NOT REQUESTING VERIFICATION. I am stating that your company is breaking Illinois law and this has been reported to the states attorney. You all are not allowed to collect i this state by any means until you have the proper licensing. And then you continue to lie about the owner of the debt. When i made htis statement you told me that Persolve did NOT own the debt and that XXXX XXXX XXXX XXXX XXXX owned the debt, which is not true. 

When I questioned XXXX XXXX XXXX XXXX XXXX and Persolve about this they BOTH confirmed that Persolve owns the debt and it the one attempting to collect. Which makes it illegal for them to collect without the proper license. Why lie about the owner of the debt? This just proves that they are being shady Delete this account immediately or the states attorney will be forced to investigate your firm. I live in Illinois and I am subject to illinois collection laws.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-11-03
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Universal Technical Institute (CA)

This is in regards to complaint ID XXXX. I had stated I submitted a refund request and wanted to get it processed as fast as possible before the end of XXXX. I accidentally put my brothers info sense it saved in my phone but I am the person who is submitting the complaint.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

Bank of America ( BofA ) Sent me a letter inviting me to open a checking account : XXXX. Before XXXX, XXXX, 2022. 
XXXX. Enroll the account with the unique offer code XXXX XXXX. " Set up and receive XXXX XXXX XXXX totaling {$4000.00} or more into that account within 90days of account opening ''. 

The letter said if I did all 3 above, I will receive {$300.00} as a bonus offer. 

I opened the account on XXXX, XXXX, 2022. I enrolled the account with the unique offer code and I have set up and received XXXX XXXX XXXX {$2300.00} on XX/XX/2022 and {$2300.00} on XX/XX/2022, totaling {$4700.00} in the month of XXXX alone. My salary is paid twice in a month. 

Based on this and my interpretation of their offer, I believe I have met the conditions and should receive the {$300.00}. 

However BofA is claiming I failed to meet the number 3 condition above because it is in 2 installment of {$2300.00} ( i*e. {$2300.00} * XXXX = {$4700.00} ) and not a single {$4000.00} direct deposit payment. 

I believe their interpretation of the letter they sent to me ( which is attached to this complaint ) is wrong and I have met all the 3 conditions above. 

Account Number : XXXX Phone number : XXXX
Consumer complaint received 2024-02-27
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: TRUIST FINANCIAL CORPORATION (NV)

I have a negative balance of - {$190.00} on my account for my credit card. I was wrongly charged double interest for {$21.00} and {$22.00} on XX/XX/24. After filing a complaint with CFPB I was credited {$50.00} on XX/XX/24. I was wrongly charged interest again of {$25.00} on XX/XX/24. I have not made any purchases and my account balance still shows - {$190.00}. I should not continue to be charged interest.
Consumer complaint received 2022-11-07
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. (GA)

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXX/XX/XXXX
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY (NY)

Opened a TD XXXX Checking account ending XXXX in XX/XX/2022, completed required direct deposit of {$2500.00} in 60 days but never got the advertised {$400.00} new account bonus. There was also a fraud on the account so the TD fraud department set the account to " no check '' status. I went to the local branch and opened a new TD XXXX  Checking account ending XXXX and the local branch agent told me the {$400.00} bonus will be credited to this new XXXX account, but still never received it.
Consumer complaint received 2022-11-03
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I submitted my initial complaint to CFPB ( XXXX ) due to Account Resolution Services violating the Fair Credit Reporting Act and not providing me with validation of a medical debt that of which I have no knowledge. 

ARS responded XX/XX/2022 stating they sent debt verification in the past, which is not the case ; and then acknowledged that they should have sent something more substantial. ARS indicated that they would be providing the verification of debt as required under FCRA. It has been well over 30 days and ARS has not complied and no verification of debt has been provided.
Consumer complaint received 2022-11-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

According to my consumer report I received dated XX/XX/2022 and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or XXXX XXXX XXXX such authority.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

On XXXX for the first time in several years to retrieve my XXXX report to lift freeze and dispute a collection account not mine was unable to access after answering questions correctly. 

I was told I had already received try back 7 days. 

Equifax is reporting a collection debt that has never been mine. I only had a wifi connection with XXXX for tv service. My cellular company for several years has been XXXX XXXX.
Consumer complaint received 2020-08-05
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: DISCOVER BANK (OH)

On XX/XX/2019, I got a EIN number from a website impersonating the IRS and paid {$240.00} with my discover card. Within 3 days I realized I had been scammed and I reported it to Discover card to dispute the transaction. Discovered failed to refund my money even though I was scammed and placed a prompt chargebacks on my credit card within 3 days. 

My name is XXXX XXXX XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (GA)

I previously disputed this erroneous debt under complaint XXXX, which was deleted from my credit reports with XXXX, XXXX, and XXXX. Another company named Avante USA has purchased this erroneous account and is contacting me to pay {$1100.00} to them.
Consumer complaint received 2023-05-25
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. (AR)

I am writing to dispute the payment history information that appears on my credit report from XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a ( 2 ) under Exclusions, report containing information solely as to the transactions or experiences between the consumer and the person making the report ; I have reviewed my credit report and found the payment history information and account balance should be excluded from my report.
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

XXXX is reporting a bankruptcy on my credit report an they have put in the data furnisher as being the us bankruptcy court of Georgia, which is false I have attach a letter from the us bankruptcy court of Georgia verifying and stating that they do not furnisher information over to the credit bureau or any credit monitoring service nor do they verify or validate any information concerning bankruptcy. XXXX is falsely stating this information and refusing to remove this false information from my credit report.
Consumer complaint received 2024-02-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: TEXAS CAPITAL BANCSHARES, INC. (NY)

XXXX has XXXX  and XXXX my account for almost two weeks. They will not let me speak to a supervisor or give me any information after numerous calls to them. 
I am a XXXX XXXX XXXX XXXX. I am being offered a special apartment through the city but must provide them with first and last months and security deposit. Because XXXX refuses to release the funds I will lose my apartment! 
Please help!
Consumer complaint received 2022-12-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NY)

I am aware that according to article 9, the assignment of a defaulted Alleged debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with The CBE Group , Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a trilateral contract giving The CBE Group , Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from The CBE Group , Inc . If The CBE Group, Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing this on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until The CBE Group, Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and The CBE Group , Inc continues its collection efforts, I will file for litigation for actual damages caused and The CBE Group, Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-12-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (OK)

I have tried several times to REMOVE my fraud alert and REMOVE all personal statements with Experian, XXXX and XXXX. I need the ALL PERSONAL STATEMENTS AND FRAUD ALERTS REMOVED.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SANTANDER HOLDINGS USA, INC. (SC)

I contacted Chrysler capital XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX. I informed said company that they have reported the information past the seven year time that they are allowed too. They then reported it again after asked it to be removed as if i was a new account causing my credit score to go down. I also told them according to law that i would like to opt out of them reporting to my credit report per 15 usc 6802 ( b ) thru 6805. I also informed said company that 15 usc 1681 ( 4 ) clearly states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
In regards i will be seeking damages for the reporting unlawfully 15 usc 1681 ( n ) states that 1000 per violation for a persons willfully fails to comply with any requirements imposed under this sub chapter with respect to any consumer is liable to that consumer. 

I hope that these matters will be resolved in a reasonable matter
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX XXXX XXXX XX/XX/XXXX Amount : {$420.00} XXXX XXXX  : XXXX XXXX XX/XX/XXXX Amount : {$170.00} XXXX XX/XX/XXXX Amount : {$220.00} XXXX XX/XX/XXXX Amount : {$14000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Amount : {$17000.00} I have reached out to get these accounts resolved and had no success. I asked to provide validation of debt and late payments. I also been a victim of fraud and tried to dispute matters still nothing has been done. This was my last resort to get remedy for my claims.
Consumer complaint received 2022-11-03
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Specialized Loan Servicing Holdings LLC (IL)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) held the mortgage on my brother 's home. The mortgage payment was deducted from his credit union account monthly. Without any notification, XXXX stopped withdrawing money in XX/XX/2022. In XX/XX/2022, XXXX " sold '' the mortgage to Specialized Loan Servicing ( SLS ). Neither XXXX nor SLS contacted my brother to advise him of the change. 

In XX/XX/2022, I called his credit union to ask some questions about his mortgage. They told me they no longer paid it and suggested that I call XXXX XXXX. Because I am not on his account, XXXX XXXX could not give me specifics but the rep gave me a number for SLS. On XX/XX/2022, I spoke with a rep who said the loan was in default since nothing had been paid since XXXX. I sent a personal check to SLS for {$3300.00} to cover the XXXX through XXXX mortgage. The check was deposited into a XXXX XXXX Bank account. When I called SLS today ( XX/XX/XXXX ), the rep told me that they had not received the check and I should send a copy of the front and back of the check to customer.support@sls.net and then call him back on XX/XX/XXXX to see whether the check had posted. 

I believe XXXX purposely stopped collecting the monthly mortgage payment so that my brother was shown as defaulting on the payments and they could turn that account over to SLS, which is a collection agency. The terms of the mortgage are not supposed to change when a mortgage is sold but his rate went from 3 % to 7.75 %!!
Consumer complaint received 2023-01-07
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. (NJ)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 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