davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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. (NJ)

I am aware that consumer transactions regarding my credit card are governed by Title 15 of Commercial Code. I have expressed the discrimination and invasion of privacy that has been inflicted upon me. On advice from my counsel I am filing this complaint because I am being defrauded by Experian and they refuse to verify the information that they are reporting. This information is fraudulent and has not been verified. I am making them aware that they are in violation of 15 USC 1692B [ 2 ] - Stating a consumer owes debt 15 USC 1602 [ P ] and most importantly 15 USC 1681 [ B ]. I would like for the following accounts to be blocked from my consumer report within the 3 business days allowed by law. I have not supplied them with any written document with my signature allowing them to furnish any information on my behalf the original creditor. 

Furnish written consent authorization to furnish and sell my private information on my consumer report or remove inquires and accounts, XXXX inquiry date XXXX, XXXX XXXX XXXX date opened XXXX, XXXX date opened XXXX, XXXX date opened XXXX.
Consumer complaint received 2022-08-26
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)

Experian lists my XXXX home loan as a revolving account credit card. The loan converted five years ago to a mortgage loan with no line of credit. It is now a real estate mortgage of $ XXXX on a $ XXXX house. 
Instead of showing the financial world this $ XXXX untouched equity, Experian reports that I am using over 60 % of my available credit which negatively affects my credit score. 
I have filed a dispute with Experian three times. Experian did not move this account from Revolving Credit to Real Estate accounts. They posted my statement on my report ( which no one reads ) and continued the negative effect on my Credit Score ( which everyone reads ).
Consumer complaint received 2019-06-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (CA)

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.
Consumer complaint received 2022-08-26
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (MA)

I Had Identity Thief In XXXX By Criminals And In XXXX XXXX XXXX Took My SSN 4 Times Now Its a Dark Web. and opening accounts. 

And Never Receive Service. Been in A Dark Since XX/XX/XXXX I Contact XXXX And Fake XXXX Lied They Not Works For The Corp Office Fake I Have Him In The Feds Too XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX I Contact Him So Many Times And Never Answer The Phone??. I Want Justices Have Him Removed Fake Corp Office Stealing My Information.
Consumer complaint received 2022-08-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (GA)

Applied to CARVANA to further extend my credit to purchase a used XXXX XXXX XXXX XXXX XX/XX/XXXX they are requesting a down payment of {$10000.00}, pursuant to 15 U.S. Code 1662 the down payment the company is requesting is not required unless the creditor agrees to that amount, which I disagree with putting down any amount. CARVANA is civilly, and Criminally Liable for willingly issuing violations/ Failing to disclose accurate information operating under TILA. The Finance charge is the sum of all charges, it does not include a type of payable cash transaction.
Consumer complaint received 2023-07-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FREEDOM FINANCIAL NETWORK (OH)

approximately XX/XX/2023 I received a call from a XXXX XXXX, they used to be freedom plus loans, had an existing loan. The person on the phone asked if I wanted to roll my car loans into the loan. After a couple calls that day, I agreed I specifically asked if the interest rate would be better or at least the same. The person on the other end of the phone said would be about a percent lower than what I currently had. The current rate was about 17 % so the new loan shouldve been about 16 %. Which is a pretty high because my husband I have credit scores over XXXX. I was also never informed there would be an origination fee. I did receive the loan documents but because I was told the interest-rate would be lower and there was no mention of the origination fee. I signed the documents. 

Unfortunately, I didnt realize until one day passed the day you could stop the loan, that they charged me {$1800.00} origination fee, as I got to looking further not only did the person lie to me about the interest rate in lower. The interest rate is 20 % which is 3 % higher than what I had. I wouldve never agreed to these terms. 

I started calling XXXX XXXX in speaking with representatives on XX/XX/2023. The represent told me shell follow complaint for me and also asked that they listen to the call I had with their rep on XX/XX/2023 so they could see he never mentioned in the origination fee. The rep agreed to put that in the complaint. 

On XX/XX/2023 I believe I realized that the interest rate on my loan is not 16 % like the rep told me on XX/XX/2023. The interest rate is close to 21 %.. I called back XXXX XXXX that day spoke to a representative, explained that the rep called me on XX/XX/2023. Tell me the interest rate would be about a percent lower than what I currently had which at that time, My interest rate with 17 % They said they would update the complaint. I again asked for them to listen to the calls on XX/XX/2023. I was told it would be sent to a team leader supervisor. 

I think a couple days later I spoke to a supervisor who did confirm she listened to the call from XX/XX/2023 she confirmed that that rep did not tell me about an origination fee and did state my interest rate would be about a percent lower than what I currently had and at that time my interest rate was 17 %. 

She agreed to let her supervisors know Ive had multiple contacts with her since, I sincerely feel she has tried her best to get upper management to look at this case. But as of XX/XX/2023 no resolution my interest rate is still 20 % which is ridiculous. 

She agreed that it is not appropriate for the representative to not have told me about the origination fee, and he gave me incorrect information about the interest rate. Phone number : XXXX
Consumer complaint received 2016-02-10
Product: Other financial service — Traveler’s/Cashier’s checks
Issue: Lost or stolen check — 
Company: CITIBANK, N.A. (NY)

I am a former employee with a XXXX loan. When Ileft there was confusion with auto payments for my XXXX loan when I set up the new auto debit to keep payments happening from my personal account since they could not auto debit my paycheck any longer, by the time the payments started I was 2-3 payments behind and was receiving deliquency notices, On XXXX I went to the Citibank XXXX NY branch and obtained a bank check for the deliquency amount p'us the XXXX payment and mailed it to Citigroup Benefits Center following all the directions they provided to me on the notiice as it stated that if I did not pay by XXXX/XXXX/15 the funds would be devited from my XXXX and there would be tax implications, In XXXX I received another deliquency notice-when I called to inquire they stated that the payment of {$2200.00} had not been received, I called them almost daily from XXXX to XXXX and they said they could not locate the payment and was advised to put a stop on the check and have it reissued, I went to the XXXX branch on XXXXXXXXand went through the process to stop the check- signed the affidavit and Indemnity form- but since it was less than 90 days I was told the Citigroup Benefits Center also had to sign it- it was send to them on XXXX electroically by the branch. I called on XXXX and the Benefits Center confirmed they received the form but indicated they would not sign it as they do not sign " third party forms '' -- this is a stop payment form from the bank they are an agent for! I on those funds. I am simply asking they sign the affidavit to stop the check so I can have it reissued back TO THEM and resend the payment for theme to process -- Yesterday XXXX after talking to the 5th supervisor and them opening numerous investigations they told me " they can not sign the form that they have not received the check, but they clearly stated on the same call that they have not received the check. All calls are recorded by them as requried and can be heard that they refuse to assist in resolving this matter so my {$2200.00} can be applied back to my XXXX loan, I am not a deliquent payor, I have over {$400000.00} in my XXXX and I am attemoting to resolve a matter they created last XXXX when they did not set up my auto debits for 2-3 months for the payments to continue. I have no recorse at this point ... they just expect me to be out the {$2200.00} and absolve themselves from any responsibity to address the issue, it was mailed to them- they can not locate it and they refuse to sign a simple form that would allow it to be resisued and applied to my account, This {$2200.00} does not earn interest or benefits of the market increase until applied and as a result I am 1- losing money, 2- behind on payments and 3- at risk of taxable income as thr 90 days would be after I can place a stop on it without their signing the form. I need help and have no idea how to solve this, they just refuse to speak with me anymore
Consumer complaint received 2023-03-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Prosper Marketplace, Inc. (CO)

I was served a summons about a debt that I do not remember taking out. the original loan was if prosper. 
the original loan was for XXXX. The paperwork that i got says that it should have been pais off in 2018. I fill that someone took this ioan out in my mane.
Consumer complaint received 2022-08-26
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/XXXX XXXX
Consumer complaint received 2022-08-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

I have already filed complaint against Bank of America because of fraud and a scam on BOA phone app concerning XXXX. I have gotten a resonse from BOA apparently BOA thinks that I am not a victim of fraud or a scam, because my complaint was denied. What happened to Regulation E
Consumer complaint received 2021-08-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

The cell phone that was hacked was purchased from XXXX, this phone was hacked during the XXXX  Data Breach. The Collection Agency : ENHANCE RECOVERY is claiming I open an account with XXXX on XX/XX/20 and never paid on this account. The phone I purchased from XXXX was hacked during the XXXX  Data Breach. I was told by XXXX to bring that phone in and get another, because the insurance I had I could get another and if anything help to it ( and it did, was hacked as well ) I could bring it back within a certain time period at no cost to me, and sure enough the time period did not expire. I returned the phone to XXXX. 

I haven't had any contact with XXXX since the XXXX  Data Breach.
Consumer complaint received 2022-08-26
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. (MD)

I have asked the credit bureaus to do Theral review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the Theral research. Account # XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX account # has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions. 
this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.
Consumer complaint received 2022-08-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (NY)

I received an alert for an unauthorized transaction from Affirm for {$740.00} and a down payment has been taken from my checking account tied to my Affirm account for {$140.00}. Ive made an attempt on multiple occasions to dispute it with Affirm and have gotten no response and instead a denied dispute decision and they would add detail without informing me that I needed to provide proof for the dispute. Ive contacting the merchant XXXX and was told that only Affirm can handle fraudulent charges. I sent over that conversation to Affirm and was still denied. How can I further proof for a transaction that I didnt make. They have been messing with my name and my credit since XXXX and contacting them never seems to work. 

Loan ID : XXXX Disputes : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX Ive called them on multiple occasions as well.
Consumer complaint received 2022-08-26
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. (FL)

I am a natural person, I am a living human being, I have right under 15 USC 1681. Experian & XXXX are governed by 15 USC 1681, and Experian & XXXX has violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Experian & XXXX written permission to furnish this account : XXXX XXXX  XXXX
Consumer complaint received 2022-04-14
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. (MS)

This letter is the second formal complaint that you are reporting inaccurate credit information. I disputed the account on XX/XX/2022. I have not received a response and you are in noncompliance with the FCRA. 

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a Home loan to refinance, which was highly embarrassing, has negatively impacted my lifestyle, as well as is now depleting my personal finances. Time is running out.
Consumer complaint received 2021-08-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

So this debt collector put a {$270.00} debt on my credit report. I have disputed it several times, they say the debt is valid to the credit agencies, but even after asking for written proof of the debt, or disputing it several times, they have not sent me ANY communication, any letters, and have NEVER contacted me once about this alleged debt. I do not know who they are, who the company they represent is, what the debt is for, nor have I ever heard of the original company. I do not know who the original company is after looking them up. It seems to be a medical company from XXXX or XXXX XXXX Florida. I have never heard of the provider or any of the doctors listed on the XXXX XXXX OF FL website that I attempted to contact. I have never been to a doctor in XXXX or XXXX XXXX, FL ( closest to me ) or the other 14 cities far from me, where the doctors are listed from in FL. They refuse to send me any communications or proof of debt for well over 2 years that I've been disputing this debt, and I want the item removed from all credit reports.
Consumer complaint received 2022-08-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the fair credit reporting act XXXX  account XXXX, has violated my rights 15 USC 1681 SECTION 602 States I have the right to privacy.15 USC 1681 SECTION 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit pans as late for purpose
Consumer complaint received 2022-08-26
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: SYNCHRONY FINANCIAL (CA)

CFPB has already worked on this dispute. Please see complaint ID XXXX. Paypal had credited me for the charge but they have charged it this month again. I had cancelled the membership. They now have it under review again but they are taking too long. This purchase was about how I wasn't able to start the course as they force you to have a phone call first. I tried without the call because they were too busy to schedule one right away but it didn't work as they blocked access until the call was made. I finally got a call but found out that in order for this course to actually work they upsell you their services which cost an additional {$3000.00} to {$12000.00} which I am in no way willing to do. I please ask for a refund. I have already cancelled the subscription also. Thanks.
Consumer complaint received 2022-08-26
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: JPMORGAN CHASE & CO. (SD)

My chase sapphire credit card had charged {$98.00} on XX/XX/2022 i been trying ti dispute i been in contact with them regularly and sent email attachments on XX/XX/2022 i did not hear anything but a run around.
Consumer complaint received 2022-08-26
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: DISCOVER BANK (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-08-26
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: MECHANICS BANK (AZ)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NY)

Equifax failed to provide me with clear and accurate results of my investigative consumer report for credit file # XXXX. On XX/XX/2022 I disputed XXXX XXXX XXXX XXXX Account # XXXX for inaccurate credit reporting. On XX/XX/2022 the investigation into dispute was completed but I was not provided with a copy of the results of this said dispute in ( 5 ) as required by the fair credit reporting act. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 I called Equifax and spoke with several agents and supervisors only to be told by an Equifax supervisor named XXXX ID # XXXX, that i will not be provided with a copy of requested results because Equifax does not have to provide this information in violation of title ( 15 usc 1681d ). consumers have a right to clear and accurate results of an investigative consumer report as stated in the fair credit reporting act.