davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2017-09-28
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. (CA)

I wrote a letter to this company dated XXXX XXXX, XXXX to request for investigation with regards to a XXXX XXXX account reported in my file. Then I wrote a letter to XXXX XXXX date XXXX XXXX, XXXX. XXXX responded that they investigated the account and that this verified correct and valid WITHOUT any validation documents ( i.g. bill/statement, proof that alleged account was assigned to them etc. ) that will prove the validity of this account. This company can not even tell me when was the date of service which on their letter shows " XXXX/XXXX/XXXX ''. Their response is unacceptable and unlawful, so is this credit repository 's response and not removing an UNVALIDATED item is a violation of FCRA. Attached is XXXX 's letter, copies of the letters sent to this credit repository and to XXXX
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

To whom it may concern, On a recent review of my credit report, I discovered your company, Jefferson Capital Systems continues to report the collection account referenced herein. Prior disputes have not produced, validation of the debt nor a resolution. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Jefferson Capital Systems, cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.
Consumer complaint received 2018-03-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Riverwalk Financial Corporation (GA)

1st dispute XX/XX/XXXX {$5100.00} with XXXX  2nd dispute XX/XX/XXXX/XX/XX/XXXX {$5100.00} with XXXX-inXX/XX/XXXX 3rd dispute XX/XX/XXXX {$5100.00} with XXXX XXXX 4th dispute XX/XX/XXXX {$5100.00} with XXXX XXXX one credit agency took this negative information off my credit due to they found it was opened without my knowledge, also i asked for this negative information to be removed because the contract cancelled due to the original owner sold this account and filed it on their taxes cancelling out any debt owed to them.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MN)

In approximately XX/XX/XXXX -XX/XX/XXXX, XXXX  ran a TV commercial offering a credit card with " prime rate for life. '' That was roughly 25 years ago when I applied for and got their credit card with the prime rate interest rate on the card. The XXXX credit card company went through several transitions of different owners and now Citi appears to own the account. 

At some point along the way ( perhaps 15 years ago? ), the then current owner of the credit card company ( perhaps XXXX XXXX XXXX ) informed me that they were going to change ( increase ) my interest rate. I immediately called to inform them that the increase was unacceptable because I was promised " prime rate for life. '' Their response was to instruct me that I should not make another charge on the credit card, then if making no additional charges on the credit card, they told me that I would be able to retain the agreement of " prime rate for life. '' They further informed me that if I did make a charge to the credit card, then that would signify my acceptance of the new terms and result in a change of my interest rate. 

I responded telling the credit card company that I would not make another charge on this account so that my interest rate would remain " Prime Rate for Life. '' I then cut up my credit card and never made another charge to the account. So I fully expect that all of the charges on my account should have been remained under the original " prime rate for life '' agreement. 

Sometime along the way, I put my card on autopay and then did not look at my statement for years upon years. Recently, this year, in XX/XX/XXXX I looked at my statement had could see that I was being charged a rate much higher rate than prime rate. I called the phone number on the statement and spoke with several people about the problem. Their initial stance was to try to obfuscate. When I remained firm and demanded to break the issue down to eliminate the obfuscation, they then told me that they would have to research the issue and that they would send me a response via USPS mail. I asked if it were possible to get their response via phone or email, and they told me that, " no, their response was required to be sent by postal mail. '' I received their response yesterday in the postal mail. Their response states, " Thank you for contacting our Customer Service Team. 

Please provide documentation that you were offered the Prime Rate on  your account. 

If you have any other questions call ... '' This seems to me to be another attempt to thwart my efforts to get a fair and reasonable response. I do not have any documentation from 25 years ago when setting up this credit card account. Perhaps they should show me documents that reflect whether I owe them anything at all? 

I would request that the company show me the records stating that I in fact have prime rate for life. If they can not do that, then I would like to ask the company to prove that I owe anything at all.
Consumer complaint received 2018-03-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc. (CA)

I called to cancel XXXX XXXX cable because I couldn't afford their service anymore the customer service rep said there were going to waive all the charges from what I owed {$92.00} I didn't have to pay it now it's on my credit report
Consumer complaint received 2019-10-27
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: EQUIFAX, INC. (NY)

ref : Complaint Number XXXX the response from aquifex is unacceptable this is going on for the past 3 months as you can see the date on the fax cover letter to Equifax they need to remove this ASAP
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Bank sent me a credit card, it is called XXXX, in XX/XX/XXXX. 
When I got the card, the letter of Capital One said : Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within 3 months from account opening, and 0 % intro APR for 9 months ; 15.74 % - 24.49 % variable APR after that, but, in XX/XX/XXXX, my bill statement for the card shown I was charged for {$20.00} interest. 
The Capital One bank must explain why everyone got that terms except me? 
The Capital One bank must explain why sent me the XXXX card if I can not have the same terms? 
Is this a fraud?
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2019-10-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (TX)

Vance & Huffman, LLC. 

XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX To whom it may concern, On a recent review of my credit report, I discovered your company, Vance & Huffman , LLC., is reporting the collection account referenced herein. I did not receive correspondence from Vance & Huffman, LLC., notifying me of the debt prior to it being report the credit bureaus. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that Vance & Huffman, LLC., cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. If youre unable to validate the account within 30 days, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Federal Trade Commission and the Attorney Generals Office.
Consumer complaint received 2019-10-27
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc. (GA)

This complaint is a follow up to complaint XXXX, which was closed without acceptable resolution. The reason for this complaint is to supply new information and proof to support my claim. 

I have a XXXX XXXX credit card that was issued by Comenity Bank. I have had this card for over 15 years.I used the card to make purchases at XXXX XXXX, and have not had a problem until this year. The problem I'm having is that my account is not being credited for returned merchandise. Here 's a list of the amounts and dates of the returns : {$14.00} returned XX/XX/XXXX ; {$17.00} returned XX/XX/XXXX ; {$9.00} returned XX/XX/XXXX ; {$24.00} returned XX/XX/XXXX ; {$27.00} Order was cancelled XX/XX/XXXX because item was not in stock - but I was charged for it anyway and no credit was ever given ; {$24.00} returned XX/XX/XXXX ; {$4.00} returned XX/XX/XXXX ; {$4.00} returned XX/XX/XXXX ; {$32.00} returned XX/XX/XXXX ; and two orders of {$26.00} each returned XX/XX/XXXX. 

I have attached 3 PDFs that will support the above. Included are screenshots from XXXX XXXX website that verify the items returned, amounts and dates they marked the merchandise as returned. Included are letters from Comenity Bank indicating over 7 times where they are investigating my claim. Comenity even admitted that they made an error and issued two refund checks. I cashed the first one for {$400.00}, only for my bank to inform me three days later that the check was returned unpaid. This resulted in overdraft charges being assessed by my bank. since I live on a fixed income, my husband had to give me money to pay the overdraft and fees. Comenity sent another check, but I did not cash it in fear that they would return it too - which they did some days later. 

Comenity also reported to the three credit reporting bureaus that I did not pay my account for three months - that is untrue because I paid the account in full when they billed me - even though I owed them nothing. I paid in good faith expecting them to rectify the situation.
Consumer complaint received 2020-05-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (NV)

PLUS FOUR INC ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (FL)

Navient is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have XXXX loans, they are reporting XXXX loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (TX)

I contacted American Express to close my credit card in XX/XX/XXXX. I did not realize the card that required a complete payment of the balance each month. I was laid off from my job and this became difficult. I reached out to AE numerous times to ask for a payment plan and was rejected, so I requested the card be closed and I informed them that I would still pay on it. The card was not actually closed until XX/XX/XXXX. However, AE still was charging me a monthly late fee of {$38.00}. The late fees should not have been charged on a closed account. I requested the account to be closed in XX/XX/XXXX. 

AE also keeps updating my credit to show that I am recently 30-plus days late, which is entirely untrue. I feel they are purposely trying to sabotage my credit, as each time they update this account my credit score significantly drops. 

I have disputed this falsely reported account numerous times through the credit bureaus and AE always verifies the information as inaccurate. They fraudulently charged me late fees, are intentionally sabotaging my credit, and refuse to report the accurate amount owed. 

I obtained an American Express card because I was under the impression that their customer service was top-notch and my experiences here have been very disappointing. 

I have attached a statement from XX/XX/XXXX. Thank you.
Consumer complaint received 2022-09-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

On or about XX/XX/XXXX, I asked my bank manager at the 5th 3rd branch in XXXX, MI. to perform a wire transfer to a vendor of mine in XXXX, XXXX. The bank had performed this exact task in the past, with only 1 issue previously. I was not present in the branch at the time of the transfer, and felt comfortable with that because the branch manager was handling the transaction personally and said she could just pull all the information from a previous wire. The monies were never delivered to the vendors bank in XXXX. The wire was for XXXX when the money was not available the following week, both my vendor in XXXX and I began asking the banks where the money was? no one had any answers. I never received any kind of receipt from the bank manager for the wire. when i asked her to send my the info she used it was a receipt from XXXX of XXXX. The bank in XXXX said it looked like there were missing numbers for the intercam bank, according to my vendor. The bank manager that handled the original transaction said she emailed someone and there was no response, she said they attempted to recall the wire, and got no response. then in mid XXXX she finally told me there was nothing more she could do, and I wouldn't be getting my money back. No one knows where my money went, and the bank never made it seem like it was even a possibility my money wouldn't make it to its destination. The bank charged me for a service, then lost my money, and refused to take responsibility for the results. How is this in any way shape or form my liability?
Consumer complaint received 2018-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

1. Mohela is not following the agreement I signed upon gaining my student loans since inception ... The INTEREST ACCRUAL since Mohela took over the loan is incorrect. It was only supposed to accrue interest until it hit the 10 % mark as per my signed agreement, ( which occurred right before Mohela took over from XXXX ) The interest capitalized on my account is now is WAY over. It should have never gone over XXXX and is now {$210000.00}. 

2. MOHELA appears to have been improperly tracking and applying your student loan payments- the corrections made have not corrected the balance. As an example, I was charged an extra charge in 2012 for a leap year day that did not exist since they compound interest daily and charged me 366 days at the 365 day rate. I overpaid by roughly {$20.00}, which is then continuously compounded through the life of the loan. More importantly, this continues to show that they are not tracking the loan. 

3. I would like to know the status of my forgiveness date and how many eligible payments I have made to qualify me for the XXXX program as well as full paperwork on the exact terms of this forgiveness program. 

4. Is there anyway I can move to working with another program as I do not trust Mohela nor do I believe they are doing a correct/efficient job for the Government nor myself.
Consumer complaint received 2019-10-27
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

Last year i got fully verifed letter from Quicken loans that said on it '' as good as cash '' then i won the bid on a Hud home on XXXX XXXX ca and then my relator told me we needed a appraisal done, the appraisal looked faulty and was told water damage in the kitchen need to be fixed and the only way was with a esscrow hold back. So i called quicken and they said they dont ever do esscrow hold backs which did seem like as good as cash. this all happen XX/XX/2018. Two weeks ago i was on XXXX  XXXX and seen it was back in the market so i called my dad who was in relastate so he could look up buyer and seller, he got realy mad ..then a few days later i whent back on XXXX XXXX and the dates all changed on buyers history and it no longer showes the date when my bid was excepted when before it said pending. 

It was first time i was ever in a postion to own and flip a house or just own and if i was a victim of dihonest practice i should be comfisated, the house has went up over XXXX
Consumer complaint received 2019-10-27
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/19 I was negotiating with a seller on XXXX to purchase tickets to a basketball game. They asked me to send money via XXXX to their account. I logged on my Wells Fargo app, input the sellers information, and sent {$250.00}, which was the agreed upon price. I let the seller know I sent it and then received no further communication, nor did the seller send the tickets to me. I called Wells Fargo, and finally got to their fraud department after half an hour on hold and multiple disconnections. Several bankers transferred me to other departments, etc, and I had to call multiple numbers in order to find someone that could help. It took an additional 20 minutes to file a complaint and I was given a reference number and a 10 business day waiting period.