davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2023-08-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc. (IL)

I had a loan with CarMax and traded back the vehicle after 3 years. I asked them many times about the finance charges shown under account details and transaction history. I didn't get any satisfactory explanation and still wonder what it is the first and the second on the loan. After trading the car, it was done, I asked about the guaranteed asset protection XXXX XXXX and should they send me a check for it? I remember I paid it up front. A check was promised but never come. I changed my address but I also gave them my new address, and I have a mails forward as well.
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (TX)

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Equifax Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX : 1. XXXX XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX  XXXX Balance Owed : {$3200.00} EQUIFAX : 1. XXXX  XXXX XXXX Balance Owed : {$1500.00} 2. XXXX  XXXX XXXX Balance Owed : {$640.00} 3. XXXX  XXXX XXXX Balance Owed : {$1900.00} 4. XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX XXXX 1. XXXX XXXX XXXX Balance Owed : {$1900.00} 2. XXXX XXXX  XXXX Balance Owed : {$3200.00}
Consumer complaint received 2023-07-26
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (NY)

the company placed on my credit report approximately 2 years. I called them a year later, they said that the phone call is being recorded. I asked them, if I pay the full amount regardless if it's correct or not, will you delete it entirely from my credit report, their answer was yes it will be deleted, so I went ahead and paid the amount. I realized recently that it's still on my credit report showing as paid. I called them and a guy with the name XXXX de XXXX answered the phone, when was told the story he denied it completely so I told him that I was told that everything is being recorded, he replied that's correct, I told him to please pull the recordings to hear the conversation, his answer was sure just give me few days and I will have the recording for you. I called back few days later as was told, same XXXX answered the fun and at this time sounded agitated and told me to give me additional few days. I told him that he wasn't paid the legal way because he scammed me into paying without doing what was promised and want to have it either deleted or i want my money back. If he lost the recording then it's not my problem and I don't need to be mislead. XXXX then hung up the phone on me. I then went to all three buraus but they closed the case as accurate without giving me the recording.
Consumer complaint received 2017-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: E-Backgroundchecks.com, Inc. (TX)

On Friday, XXXX XXXX, XXXX I received a CFPB settlement check from E-Backgroundchecks.com dated XXXX/XXXX/XXXX, Check Number XXXX, Invoice Number XXXX in the amount of {$910.00} that would void if not ashed within 180 days of the original issue date. I called E-Backgroundscheck.com on Monday, XXXX XXXX, XXXX at XXXX CDT and spoke to XXXX XXXX who told me that they re unable to reissue a new check because the check was not cashed within 180 days. This check did not show up in my mailbox for nearly two years and I am requesting that a check be reissued since I was wrongly discriminated against on an employment application as a result of information that was wrongly provided by E-Backgroundchecks.com to a potential employer. I am requesting your help in getting this check reissued. I am also providing a copy of the check and cover letter that was mailed to me as supporting documentation. 
Thank you for your assistance XXXX XXXX XXXX
Consumer complaint received 2023-01-27
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. (MO)

In accordance with the Fair Credit Reporting act Account numer XXXX XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-06-11
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MT)

In XXXX XXXX mortgage company inaccurately reported a 90 day late payment on our mortgage. I have called them countless times to have it removed. Now we are trying to qualify for a new home loan, and we cant qualify because this is still on our credit report. The loan number is XXXX.
Consumer complaint received 2023-01-13
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 have loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or remove the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. XXXX XXXX XXXX  Open Date XX/XX/ Balance : {$0.00}
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

On XX/XX/2022 Midland credit have been sending me bills speaking about a balance for a previous credit card and the amount of {$520.00}. Every month I send them {$20.00}. On XX/XX/XXXX I had called in to see what the amount was that I could pay it off. They offered me a deal of {$470.00}. I then had to go to a friend to borrow the money I loaded it on a prepaid XXXX card. I called them back and gave him the information on the card along with the security. They kept saying that they didn't receive the amount ended up the card was declined. When I had called the cord later within XXXX minutes the card had been completely drained and was spent at numerous places like walmart.com. the people told me that they were with Midland credit they even gave me an account number and everything. I have no idea on what to do next. And they recently sent me another bill for a {$20.00} due by the end of the month the difference is now it's a different XXXX XXXX XXXX they have sent.
Consumer complaint received 2017-08-28
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. (IL)

Someone opened a bank account in my name then opened a line of credit of XXXX and also opened a credit card ... I 've done everything the bank said do I 've sent them do you have the police report they sent me an affidavit I filled it out and had it notarized in front of a government official and they still wo n't remove this information this incident happened in XXXX I do n't know what else to do please help me please this happened in XXXX the bank is XXXX XXXX the personal loan department
Consumer complaint received 2017-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

I am currently in the process of trying to purchase a condo in XXXX. In order to do that I need to get a loan ( FHA/Conventional ). In talking with a couple of different companies ( XXXX XXXX, XXXX, XXXX ) this month ( XXXX XXXX ) to get a loan, they informed me my credit score was just below the threshold to get the loan. While investigating my credit report, I noticed there was a charge for {$320.00} with XXXX XXXXNeither XXXX XXXX or XXXX would identify who they were. However while talking with XXXX XXXX, they informed me that XXXX XXXX is a 3rd party collection agency. They informed me of this XXXX. Upon informing of this I placed a call to XXXX to verify what the debt they were trying to collect was for. They informed me it was for a debt on behalf of Brandsmart. 

So I spefically called Brandsmart XXXX to find out what debt is owed and if so how. After speaking with two different locations, I was redirect to the customer service department. Customer service department referred me to Synchrony Bank who handles all of Brandsmart 's payment/billing/processing/etc. I asked the representative do you have any paperwork, bills, anything showing that I owe this.I informed him that I have n't had an active Brandsmart card in 5 years because bill had been paid off. Then they deactivated the card due to inactivity. The representative could not provided any information either and referred me to XXXX XXXX who has the account for collection ( whom I have also filed a claim against ).
Consumer complaint received 2022-04-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (PA)

Subject : False advertising misleads customers Chase Bank False advertising misleads customers by i logged in to App i saw False advertising shows up that i'm already approved for XXXX XXXX so, i didn't applied or fill the application again stated that i'm already approved i didn't file consent form to pull my credit filled and submitted Phishing ( pronounced " fishing '' ) is a type of criminal activity that uses fraudulent techniques to trick you into providing sensitive information now chase send me notice through app stated please call us to discuss credit application is this tricky way and False advertising misleads existing customers applying for product STOP False advertising misleads customers Cc : Federal Trade Commission the agency should files actions in federal district court for immediate and permanent orders to stop scams ; prevent fraudsters from perpetrating scams in the future ; freeze their assets ; and get compensation for victims.When consumers see or hear an advertisement, whether its on the Internet, radio or television, or anywhere else, federal law says that ad must be truthful, not misleading, and, when appropriate, backed by scientific evidence. The FTC enforces these truth-in-advertising laws, and it applies the same standards no matter where an ad appears in newspapers and magazines, online
Consumer complaint received 2016-07-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dynamic Recovery Solutions, LLC (GA)

I keep getting harassing phone calls on my cell phone from Dynamics Recovery Solutions. I do not owe any debt yet they keep calling me despite being told that I am not the person they are trying to contact!!. Now they are even calling my cell phone!
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (CA)

I have a Lexus Comenity Credit Card. Last month my minimum payment was {$140.00}. I have set my autopay at a fixed amount of {$200.00}. I have made NO PURCHASES since my {$200.00} payment. NOW my minimum payment on my next statement is {$200.00}. Why? Because the interest rate went up from XXXX XXXX ( which is criminal ) to XXXX XXXX ( which is even MORE CRIMINAL ). I was NOT given XXXX days notice of the interest rate being raised and even if I was notified, if they keep raising the interest rate after I make a payment to lower my balance, I will NEVER get my balance. This is deceptive and fraudulent. Comenity is taking advantage of me and probably thousands of other credit card holders. It's ridiculous to charge a higher interest rate, when I made a purchase at ONE interest rate, and it goes up when I made NO PURCHASES. 

This kind of business practices is deserving of a class action lawsuit.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item within 30 days gives reason to immediately remove those items from my credit report. It has been over 35 days so they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Consumer complaint received 2024-05-31
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC (MS)

This complaint is against Rocket Mortgage : **On XX/XX/XXXX I made my mortgage payment of {$910.00} ( the amount due on that due date ) **On XX/XX/XXXX Rocket Mortgage made an UNAUTHORIZED withdrawal of {$910.00}. My financial institution XXXX  XXXX XXXX replaced the full amount. I paid the stop payment fee to prevent Rocket Mortgage from further withdrawals. 
**On XX/XX/XXXX Rocket Mortgage made another UNAUTHORIZED withdrawal of {$910.00}. 
The money was eventually replaced. 
**On XX/XX/XXXX Rocket Mortgage made UNAUTHORIZED withdrawal which was replaced the next day. 
These transactions caused my checking account to be overdrawn which met I had no access to my funds. Rocket Mortgage claims that I approved these even after I refereed them to my profile stating that I did not have auto-pay and insulated that I may have simply forgotten. I am XXXX XXXX XXXX and took that comment as a insult.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I made a deposit on XX/XX/XXXX, with a cashiers check that we paid extra for so that funds would be available. Was told at the bank the funds would be available, the next day XXXX XXXX received a message from the bank that the funds were being held until XX/XX/XXXX. Then they charged overdraft fees. All of this has placed a momentary hardship on our business. This is simply unfair.
Consumer complaint received 2021-06-11
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: BANK OF AMERICA, NATIONAL ASSOCIATION (RI)

These inquiries don't belong to me. Please remove 1. Identity Theft 1 XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft BK OF AMER Date of inquiry : XX/XX/XXXX This is not mine.
Consumer complaint received 2024-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CA)

I am writing to formally report an incident of identity theft that involves a fraudulent account on my consumer report. This account is associated with Jefferson Capital Systems account number # XXXX Date of Initial Contact : XX/XX/XXXX On this date, I wrote a letter to Jefferson Capital Systems requesting validation of the alleged debt pursuant to 15 USC section 1692g. I did not receive any response from the company after waiting a reasonable time of 30 days. 
Date of Follow-Up Contact : XX/XX/XXXX After receiving no response, I sent a follow-up letter to Jefferson Capital Systems exercising my rights for validation of this alleged debt. Again, I did not receive any response from the company. 

Jefferson Capital Systems has not provided any validation of the alleged debt. Additionally, they do not have any permissible purpose to pull my credit or furnish my private information on my consumer report. 

I am reporting this fraudulent account as a case of identity theft pursuant to the following statutes : 15 U.S. Code 1681q Obtaining information under false pretenses ( Fair Credit Reporting Act ) 18 U.S. Code 1028A Aggravated identity theft ( Identity Theft and Assumption Deterrence Act of 1998 ) Summary of My Actions : Sent initial validation request on XX/XX/XXXX with no response. 
Sent follow-up validation request on XX/XX/XXXX with no response. 
Verified that Jefferson Capital Systems lacks permissible purpose for their actions. 
I request the CFPB to investigate this matter and take appropriate action to resolve this issue.
Consumer complaint received 2022-04-13
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: EQUIFAX, INC. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.
Consumer complaint received 2023-09-05
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

My name is XXXX XXXX and I am filing a complaint because my rights under the FDCPA and FCRA have been violated by Hunter Warfield. I XXXX of 2023, I became aware that Hunter Warfield was reporting a collection account related to an apartment lease. The original balance of this account was listed at {$1700.00} and {$1700.00} ( The amount is inaccurately reported between the three bureaus ) but has ballooned to {$1800.00} and is still rising. This is because I found out that a 4.75 % interest rate has been put on this debt, even though there is no interest rate related to the original account. This is a violation of the FDCPA. I sent a dispute letter to this collection agency to inform them of this violation, as well as to validate the debt itself. In their response, I discovered, through basic addition, that the amount that they claimed that I owe is completely incorrect based on their own records and that they have been inaccurately reporting this debt for over a year now. I demand that this debt be removed from my credit report because the collector doesnt even know how to do basic arithmetic when calculating the amount that they claim that I owe. They have also been violating the law by including this interest rate on the account that is not in any contractual agreement. The debt being listed on my credit reports is completely erroneous and fraudulent and is defamatory to my character. Since Hunter Warfield has expressed their intent to break the law, I would also like to see their license to collect in the state of Florida, license # XXXX, be suspended or revoked so that they can no longer engage in this fraudulent activity. I was denied for an apartment, a bank account, and for lines of credit due to this companys refusal to correct this inaccurate reporting. I have suffered financial and reputational damages and my character has been defamed. My case against this company is open and shut and I do plan to take legal action if this is not resolved. I want this account deleted from my credit report immediately and I want this companys license to be put under review by the Florida Office of Financial Regulation.