davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (RI)

I disputed the debt in collection with XXXX XXXX in the amount of {$970.00}. According to the debt collector XXXX XXXX the debt was charged off in XX/XX/XXXX.  According to XXXX XXXX the account was closed on XX/XX/XXXX- to which I had a XXXX past due balance. Im currently disputing the debt and have been in contact with the debt collector due to inaccurate dates and amount owed and they refuse to accept my dispute/claim. I believe this debt collector is reporting inaccurate and outdated information.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I have previously requested that the credit bureaus delete the following addresses that are reflected on my credit report. They have each responded that the addresses had been previously deleted ; however, when I retrieved my most recent credit report on XX/XX/18, the addresses are still being reflected. I have also requested that the alias ' be removed from my credit reports, yet the bureaus continue to report them. This is a violation of my consumer rights under the FCRA. I am again disputing the following alias ' and addresses for them to be removed from my credit reports : XXXX : *Delete XXXX XXXX & XXXX XXXX XXXX *Delete addresses : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX, XXXX, FL XXXX ( These addresses do not belong to me ) Equifax : XXXXUpdate name to XXXX XXXX XXXXDelete XXXX XXXX XXXX XXXXDelete address XXXX XXXX XXXX, XXXX, FL XXXX XXXX  : *Update name to XXXX XXXX *Delete XXXX XXXX XXXX *Delete XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX *Delete XXXX, XXXX, XXXX *Delete address : XXXX XXXX XXXX  XXXX, XXXX, FL XXXX *Delete address : XXXX XXXX XXXX. XXXX, XXXX, FL XXXX
Consumer complaint received 2024-03-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group (TX)

I have had a debt purchasing company claim that i owe over XXXX XXXX dollars to them due to a profit/loss write off by the previous credit card company named XXXX XXXX XXXX XXXX This has been previously disputed and removed from my credit report due to activity being Fraudulent and not done by myself. The Credit Bureaus have removed this from my report multiple times due to missing documentation. Until now when CKS Prime Investments purchases the written off bad debt from fraud and they proceed to call me, my wife, my parents in another state, my previous employers and tell them they really need to talk to me over this legal matter and what im doing is against the law. They specifically told my father the amount i owed and asked if he could make a payment to keep me from being sued and possibly going to jail on criminal charges. They represented themselves as a legal firm and they asked XXXX members of my family who live far away from me " What all property does he own and have at his residence. '' This has been resolved several times previously and removed from my report. CKS prime investments has now filed a lawsuit against me but i am unable to receive the paperwork due to the person comes during mid day when im working and will not leave a contact # for me to meet them after work. They filed the suit electronically so i assume they will not be in court for me to even speak with about this matter. They have broken multiple financial, credit reporting laws with there collection formats as well as they have never sent me a single letter explaining the debt after i request it then the credit bureau removes it from my report and a few months later they add it back on with different amounts.just changing name abbreviation to CKS LAW & CKS PI.
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

in accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my right 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 SECTION 602 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-09-15
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 (GA)

Due to unfortunate circumstances, I missed a payment on my Capital One credit card ( didnt pay in full ; I pay half out of each paycheck ). I made up for it, and paid more than what I owed. However, I was informed that even though I was paid up, I get charged 2 months of interest because of a rule break that doesnt give me a grace period anymore. At no point on my bill does it say this. I get paying the first missed payment interest. But late payments are charged XXXX. I have been charged over 60 dollars in interest between the 2 months. Im not a bad customer that is constantly late. I pay on time. I called to have the second charge removed since on no where on my agreement does it say they can continually charge me interest on my purchases until the 3rd month if I didnt pay my balance in full. It says only on the missed balance, which I paid off. I contacted them to see if they could forgive the unnecessary interest charge on a balance I paid in full, and they said there was nothing they can do about it. I asked for a supervisor, and she said the same thing.
Consumer complaint received 2018-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In XX/XX/2018 XXXX leased vehicle was totaled in a auto accident. My auto insurance company paid off their portion of the balance which left XXXX to be paid by GAP which is part of XXXX XXXX who the lease was financed. I was told that all would be handled from the point of reporting to the insurance company and there was nothing further I would need to do. They would contact me once GAP was paid. In XX/XX/2018 I received a credit alert that I had a " missed/Delinquent '' payment on my credit bureau reports. Upon looking into the reports it showed that XXXX XXXX was reporting me 60+ days past due on the lease. I immediately contacted XXXX XXXX and was assured that they would get this corrected as they had many customers affected by a recent change of finance companies with their GAP department. I was told that an accurate report would be sent to the credit bureaus and it would take up to 45 days for the update. Long story short, I am still fighting with them to correct my Credit Bureau report. My credit score as a result has dropped from a XXXX to XXXX and I can not obtain any further credit. In fact, I have many current creditors closing my accounts, reducing my credit limits and increasing my interest rates as a result. This has been a unresolved issue since XX/XX/2018 and it is now the end of XXXX. XXXX XXXX should be held responsible for my suffering and it is unjust that I, a good customer who has worked very hard to maintain a high credit rating to now be going through such turmoil with my credit. XXXX does not seem to be in any rush to follow through on their promises or obligations to their customers.
Consumer complaint received 2023-03-17
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. (TX)

I have sent in prior disputes with Transunion, XXXX, and XXXX. They have not responded. They are failing to respond to my request by investigating my request within a timely manner as outlined in the FCRA section 611 ( a ) ( 1 ) subsections A, B, and C. Transunion, XXXX, and XXXX have no reason to assume the request has not been from me considering all the information required to validate and initiate a request was included. I expect Transunion, XXXX, and XXXX to investigate and complete their investigation procedures within 30 days of my initial retrieval of my request as according to the Fair Credit Reporting Act section 611 ( a ) Reinvestigations of Disputed Information ; which requires them to conduct a reasonable investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date in which they received the notice of dispute from consumer. I expect to receive notice of any notice of determination within 30 business days after today as outlined in the FCRA section 611 ( 3 ) ( A ).
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LendingPoint Holdings LLC (NC)

Ive been in an installment loan with Lending Point almost a year. Ive already had issues with them giving out my information to third parties, co-workers among other things. My issues are a signed a forbearance form, considering my area is declared a natural disaster, that my payments be defered until XX/XX/XXXX. Im in the middle of closing a home equity line of credit to pay Lending Point off. As of today, a 30 day deragatory remark is on all three of my credit bureaus which in essence has stopped my process with my home equity line of credit in regard to paying them off and also was completely deceptive in telling me what forbearance was given to me in the first place for.
Consumer complaint received 2018-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NY)

I am filling a dispute on American Express regarding the delay on releasing my rewards point. I had been told that the issue would be resolved 6 to 8 weeks after I hit the minimum spend. This is now the 10th week, and my account is still under review.

I have been on time with all of my Amex credit cards ( one personal platinum card, one business platinum card, and one blue cash card ). Moreover, payments on the card with bonus offer have met the amount that the promotional offer requires.

Amex can not give a proper explanation other than telling me that they have no access to the back office. I have complained more than five times and have had them elevated the issue to the back office but nothing was given back to me. I would like to have an immediate release of my points since originally I have over 50,000 points that were accumulated by my daily purchases. Now they have been freezing my points since XX/XX/2018.
Consumer complaint received 2019-05-07
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. (CA)

See attached XXXX XXXX XXXX-XXXX-XXXX ( landlord who claimed a failure to pay the XXXX, and you can see the amount going into his bank account and out of mine on the attached. I test XXXX this situation and got no response. 

XXXX XXXX XXXX-XXXX x XXXX I believe they ran my credit again 2-3 months ago without consent and then decided to ask me to leave in 60 days The equity group - denied me a rental and didn't allow me the time to dispute the item and will not return my emails requesting the opportunity to do so. I am sending her the same stuff as attached as well as XXXX XXXX. 
XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX XXXX ( 4 days ago ) to me XXXX, I have attached a copy of your credit report. We use Experian. I m sorry your application has been denied due to that eviction on your report. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P. ( XXXX ) XXXX-XXXX x XXXX XXXX
Consumer complaint received 2018-08-24
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Received a letter requesting my SSN to be given to Bank of America or else my accounts with them will be closed. I went to a branch on XX/XX/18 showed them my SSN and personal information. Spoke with XXXX a bank phone representative, and XXXX XXXX ( manager ) on XX/XX/18 but they're still indicating my accounts will be closed by Bank of America. 

I have banked with then for more than 10 years, I had a mortgage account, credit cards so they do have my SSN number. It is not fair that they are closing my accounts even after I have provided them the required information they have requested.
Consumer complaint received 2018-09-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC (TX)

I'm am not responsible for this account.. I never had an account w XXXX.. I have disputed w XXXX and 3 credit bureaus .. I had XXXX XXXX for many years .. in the past. I am a victim of identity theft.. I'm not able to get info as to where the address of service was placed. I lived at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXfrom XXXX to XXXX then moved to XXXX XXXX XXXX XXXX XXXX XXXX tx from XXXX to present I now have XXXX XXXX.. I sent a letter asking for XXXX to provide the address of service.. They just state I owe bill and denied my dispute.and resold my act to another agency. Please investigate for removal from my credit reports I'm attaching documentation
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that I was in granted a goodwill faith to show on time regarding my circumstances. The consumer reporting agencies have need to report all information complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Im now requesting you investigate and provide verifiable proof with recording showing that I had late payments or the company wasn't notified that they had a received payments. Also show proof that didn't agree or update my report current then change to not current. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently disputed to Transunion about two accounts that is reporting errnous and inaccurate information which is keeping me from buying a home. According to the FCRA an account can not report negative information after seven years. These accounts are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  both accounts are over eight plus years old. I asked Transunion could these accounts be removed. But to no avail they are still reporting and according to my Transunion credit report they are showing that these accounts are over 8 years old even from the date of last payment.
Consumer complaint received 2022-03-11
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: JPMORGAN CHASE & CO. (NY)

I noticed unauthorized inquiries on my report. 

JPMCB Auto Finance XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: SOFI TECHNOLOGIES, INC. (NH)

I visited the XXXX XXXX XXXX in XXXX, FL on XX/XX/2024 and tried to withdraw cash in the amount of {$300.00} from one of their ATMs. However, the ATM never dispensed any cash and displayed the message " card not accepted '', and my checking account was still charged. I contacted XXXX ( XX/XX/2024 ), the ATM vendor, and they advised me to file a Regulation Type E dispute with my bank, Sofi Bank, so that I would get my money refunded by Sofi right away, while Sofi conducted their investigation into the dispute. When I called Sofi Bank ( XX/XX/2024 ), they told me that they were unable to file a Regulation Type E dispute and that they could not refund my money right away. I have followed up with Sofi Bank twice in the last 48 hours for an update and each time they have told me I have to wait 10 business days just to receive an update via email on my dispute status. This has been extremely frustrating, as I have no indication on how long this dispute resolution could take take, and for the fact that my money was wrongfully taken from me. I am extremely dissatisfied with Sofi Bank 's service and would advise people against banking with them if they are considering it.
Consumer complaint received 2019-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Around XX/XX/2019 - CitiBank closed my 2 personal cards. No explanation was given -- I was told to contact them in writing over the phone and no further assistance was provided. I have paid my balances on time the entire length of my history with them. This is evident in my credit report and high credit score.
Consumer complaint received 2018-09-15
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

At six minutes past XXXX on a SATURDAY morning I was awakened from a sound sleep by my phone ringing. I was so soundly asleep that I did not wake up in time to answer, but because I was severely annoyed that whoever this was has called and woken me up that I called the number back a few moments later, they identified themselves as " Portfolio Recovery Associates ''. This is not the first time that they have called me before XXXX so I advised the person who answered the phone AGAIN that I live in California and that calling me before XXXX violates the federal Fair Debt Collection Act as well as California state law. The woman was unresponsive an unapologetic, so I hung up.
Consumer complaint received 2018-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OH)

Complaint Description : Rushmore Loan Management XXXX XXXX XXXX XXXX, XXXX, CA XXXX NMLS ID : XXXX ( XXXX ) XXXX is withholding my {$34000.00} National Flood Insurance Program claim in escrow and will not remit the funds to me. My property, XXXX XXXX XXXX, XXXX, OH XXXX was damaged by flood on XX/XX/2018. The damage was inspected by a FEMA inspector and XXXX insurance company paid the claim. By law the funds were forwarded to XXXX XXXX XXXX XXXX XXXX XXXX XXXX File # XXXX. Rushmore sent an inspector to my home and he determined that I had completed 85 % of the remediation and repairs. At least 6 times requests for 85 % of the monies held in escrow has been submitted by Rushmore 's 3rd Party XXXX XXXX XXXX. Each time the request has been denied. I have submitted ALL requested documents, receipts, transcripts, letters, etc. I need the money to complete the repair of my flood damaged home. 
Your Desired Resolution : I am requesting that Rushm ore Loan Management Company remit the National Flood Insurance Claim money that they are holding so that I can repair my home.
Consumer complaint received 2018-09-15
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: HYUNDAI CAPITAL AMERICA (MS)

Re-aged information changing and update account to past due account rolling one payment through a total of 18 months. Refusal to provide accuracy of detail to validate debt. Creditor marked account as a repossession when it is current. Recently marked account the account 30days passed due when it is current. Abuse of updating accuracy to credit bureaus. Duplication of fees in the amount of {$300.00}. Recently sent a bill with an extra {$30.00} fee more than what is due on the account.