davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company (CO)

Freedom Mortgage contacted me to thank me for my service and offered to refinance my mortgage loan at no cost to me with exception of the VA funding fee. Freedom Mortgage then gave me a loan estimate which had high closing costs as well as a higher interest rate than the national average. I didn't agree with the first estimate and told them i was no longer interested and decided to look else where. The lender then sent a new, much more reasonable loan estimate, which included lender credits as well as a great interest rate. I changed my mind again and decided to proceed. Freedom Mortgage then sent a final closing document 2 weeks later for me to sign so we could get a closing date scheduled. After reviewing the final closing documentation I quickly realized this was completely different from the 2nd loan estimate I received, the lender credits went away, closing costs doubled and the payoff for what I currently own on my house was higher than what I actually owed. I contacted the loan officer regarding the changed details. I was told the numbers were not accurate and they would change later and I just need to sign. Do not use Freedom Mortgage, they are not ethical and are trying to take advantage of your refinance. This was a waist of my time as well as another knife in the back of yet another unethical company trying to take advantage of a veteran.
Consumer complaint received 2024-05-06
Product: Credit reporting 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)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 1681s-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 2021-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (TX)

On or around XX/XX/2021 I was informed that my information was at risk of a data breach and or black web. When checking the accuracy of my credit file. I noticed that there were in fact wrong and unauthorized information reporting on my XXXX  XXXX and XXXX. I did report to the Bureau along with the reporting agency which was I.C systems Inc. With the original creditor XXXX XXXX XXXX XXXX After opening up an ongoing investigation with the XXXX county sheriff 's office . I sent over the incident report number, along with a notarized fraud affidavit informing them that I had indeed been a victim of identity theft. I sent over a copy of my social security card, identification card, and proof of my current address I've lived in the last 3 years. I faxed, emailed, and sent a certified letter to the above mentioned agency and have yet to hear back from the agency in whom are still reporting fraudulently to the Credit Bureau. I'm asking to have this creditor remove and delete this account immediately for fraud and identity theft in that this is not my debt nor have I had or have knowledge about entering into any commitment of debt or payment of any kind.
Consumer complaint received 2020-08-19
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. (FL)

THE INFORMATION LISTED DOES NOT BELONG TO ME SOMEONE USED MY INFORMATION TO OPEN FRAUDULENT ACCOUNTS IN MY NAME THAT I DID NOT APPROVE ... THE APARTMENT LISTED AND TH CABLE BILL AND CELL PHONE ACCOUNT ARE FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: STERLING JEWELERS, INC. (GA)

I went into a Jared Jewelry Store at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.
Consumer complaint received 2017-08-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX my credit report was access by XXXX XXXX XXXX for the purposes of mortgage with my consent I however do not agree with the FACTA report that two many enquiries within the last 12 months impacted my score. 
I have not requested for any enquiry or give permission to any financial body to check my credit apart from the one of XX/XX/XXXX in the last 12 months The so called 'TOO MANY ENQUIRIES ' has negatively affected my credit score
Consumer complaint received 2022-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

TO WHOM I T MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please de lete the items as soon as possible.
Consumer complaint received 2022-04-05
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

1 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-09-14
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (CO)

I spoke with XXXX XXXX in the collection department at Zwicker & Associates on XX/XX/XXXX, and agreed to a settlement of {$2500.00} with payments starting on XX/XX/XXXX in the amount of {$100.00}, and than every 2 weeks of {$250.00} until the {$2500.00} was satisfied. Confirmation # XXXX. Today a received an agreement stating I agreed to over {$6000.00}, with payments of {$250.00} every 2 weeks until XX/XX/XXXX. This is not right!
Consumer complaint received 2022-01-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates, LLC at XXXX XXXX XXXX, XXXX, VA XXXX has been sending me collection notices in the amount of {$1200.00}. This collection has been reported as past due balances. I do not know this company. I have never done any business with this company. The company does not have a contract with my signature. Furthermore I've filed the original debt in the amount of {$1200.00} as part of my income as required by the form 1099-C sent by the original creditor XXXX Bank XXXX The inaccurate collection was removed by XXXX Bank after the last dispute was filed XX/XX/XXXX with the CFPB. 

Portfolio Recovery Associates has since sent me another collection letter noting the account numbers ( XXXX ) ( XXXX ) listed on the 1099-C and the notice of debt sold/purchase from XXXX Bank to Portfolio Recovery Associates does not match . On XX/XX/XXXX Portfolio Recovery Associates put the collection back on my credit reports after the deletions last month. The inaccurate reporting of the account numbers is a clerical error on the part of XXXX Bank and Portfolio Recovery Associates. I do not any further debts in the above referenced amount of {$1200.00} that is being inaccurately reported again.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

On XX/XX/2020 ( see attached statement ), I received my monthly USAA Credit Card statement showing a new balance of {$1800.00}. This total was the combination of the previous balance ( re-assigned to a cash advance status years ago ) of {$1800.00} added to the interest charge of {$17.00}. On XX/XX/2020 the entire balance was paid in full via electronic transfer from a USAA checking account. 
On XX/XX/2020 ( see attached document ) I received another monthly statement showing a balance due of {$6.00}. This had been calculated by using the previous total balance due and applying a daily interest rate based on the number of days before the balance was paid off in full. Those numbers being {$730.00} added to the interest of that sum {$6.00}. As the entire balance had been paid the previous month, I did not read the statement until XX/XX/2020, at which time the new total of the accumulated interest charge was again paid in full. 
On XX/XX/2020 ( see attached statement ) I received another monthly statement showing a zero balance due, but still a balance subject to interest of {$6.00}. This balance shows in the cash advanced balance, even though it is an interest charge. It therefore becomes a new balance that is subject to interest, creating the principle of charging interest on an interest fee. There was no option to pay the balance subject to interest, which as mentioned, accrues daily. The statements are released 1 day after the billing cycle begins, thereby creating an endless loop of interest, becoming a balance subject to interest, but with no way to pay off the balance subject to interest. 
I have spent over 3 hours trying to explain and resolve this issue with the customer service reps at USAA. Most don't understand the math, but those that do insist that there will not be another charge even though I am showing a balance subject to interest. 
I believe that at best this is a critical error on the part of USAA and at worst this is criminally negligent or abusive behavior.
Consumer complaint received 2020-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Thaxton Investment Corporation (TN)

I received a loan check for XXXX in the mail. It came with a letter and promissory note. The letter said this is a real check that you can endorse and deposit with no application, no phone calls, no waiting. I signed and deposited on the XXXX of XXXX in MY bank. The promissory note claimed I had three BUSINESS days AFTER the check cleared the lenders bank to pay the loan without having to pay an acquisition fee or interest. I was called by the lender on friday the XXXX asking for personal references. I was upset with this and called them back to pay the loan off and not go through with it on monday morning the XXXX. They did not honor the note which said I had within three business days after it cleared their bank I could pay without fees. I was charged XXXX to get out of loan.
Consumer complaint received 2020-11-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I requested for items to be investigated via mail and they have refused to perform the investigation. Please delete the items on the attached letter from my credit report.
Consumer complaint received 2020-08-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (NY)

Personal Loan from Marcus by Goldman Sachs paid off with XXXX Credit Card online transaction. Paid from XXXX site to Marcus on XX/XX/XXXX with quote from that day from XXXX, {$2900.00}. Marcus continued to bill after pay off. Claimed not paid. XXXX ticket on missing e-pay filed XXXX. XXXX says pay off accepted electronically on XX/XX/XXXX. Marcus continues to bill me. Recent request is interest only payment of {$30.00} and their representatives say that I " mailed to wrong address '' and that is why there is more interest after I made the payment. The transaction was made electronically, no address is given on Marcus billing statements for pay off and XXXX site has no request for address of loan provider on their application. Marcus claims I am late and also threatens my credit score with this unpaid interest they claim accumulated from XX/XX/XXXX until XX/XX/XXXX ( when Marcus claims to have received it ). Requests to waive this " interest after pay off '' is denied ( transaction done electronically online, not mail ) and requests to alter it to 4 days ( XX/XX/XXXX to XX/XX/XXXX ) are denied.
Consumer complaint received 2022-08-11
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX XXXX ), account # XXXX XXXX XXXX XXXX XXXX  ), account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ), account # XXXX ( XXXX ) and account # XXXX ( XXXX ) has violated my rights. 

15 U.S.C. 1681 sec. 602A states I have the right to privacy.

15 U.S.C. 1681 sec. 602A sec 2 it also states a consumer reporting agency can not furnish an account without written instructions.
Consumer complaint received 2022-04-05
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-01-19
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. (GA)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within XXXX business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.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 XXXX XXXX
Consumer complaint received 2020-06-27
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates LLC, Has maliciously and and with disregard for correct legal policies for their practices. 
They call my parents house 3-5 times a day, some before XXXX and some after XXXX XXXX. Even after they have requested them to stop calling. 
PRA is trying to collect a debt that was charged off by XXXX XXXX, by writing it off as bad debt on their tax submissions, making this debt not illegible to be sold to a debt collector, making PRA illegally trying to collect an invalid debt. 
The also are reporting two separate debt accounts across three different credit bureaus, which while they are the same 'acccont ' they are listed as two different accounts with different account numbers. 
As is my right with the Fair Debt Collection Practices Act ( Including but not limited to Section 8070-8 ) and the Fair Credit Reporting Act ( including but not limited to Section 623-b ), I have repeatedly requested verification of evidence bearing my signature, or that the account is indeed being reported accuracy. I have also requested the description of the procedure used to determine the accuracy and completeness of the information, which has still not been provided. 
Additionally, as is my right, I asked for the name, address, and telephone number of each person who personally verified this alleged account, so that I could inquire about how they 'verified ' without providing any proof, bearing my signature. 
AS PER FTC OPINION LETTER FROM ATTORNEY XXXX XXXX XXXX, A PRINTOUT OF A BILL OR ITEMIZED DOCUMENT DOES NOT CONSTITUTE VERIFICATION. 
Yet that is the only thing they have provided, even writing to say they see the dispute as closed, which they can not do, without providing the above mentioned information within 30 days. Which they did not. The only legal recourse is for them to remove this collections from my account.
Consumer complaint received 2021-02-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX  is trying to recover a debt I never made and a XXXX debt I never been to or use Please someone I have never been to XXXX XXXX XXXX XXXX or any emergency room in XXXX XXXX I am a veteran under the v. A. The Insurance would have paid any XXXX debt owed Which means this is fraud someone claiming to be me please show my signature signing the XXXX treatments and bill and why was I there
Consumer complaint received 2020-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2018-03-31
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)

XXXX XXXX has an item on my credit report. I attempted to dispute the item with XXXX XXXX directly, with the address that they provided on my credit report XXXX XXXX XXXX XXXX Mn XXXX. The certified letter was sent back to me, address un-deliverable. I disputed the item with XXXX and Equifax, given they have false information on my report. I sent them a copy of the letter that was returned to me. XXXX responded saying that the item met FCRA, in which it does not as they are reporting false information about me. Equifax stated that the item would be deleted, however it still remains as of XX/XX//18.
Consumer complaint received 2024-05-06
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. (GA)

I sent an initial dispute regarding a bankruptcy reporting on my credit report which I stated is a violation of my consumer rights as outlined under the FCRA, as it is a violation of my right to privacy as granted under the law. The company responded by saying that they verified with XXXX XXXX which was not the point of my dispute. Furthermore, the company lied because I have my official report from XXXX XXXX and no bankruptcy is reporting on it so that is considered forgery under the law. Furthermore, they have the US bankruptcy court listed as the furnisher of the account which is also not true, and again forgery because I even contacted the Bankruptcy courts in my state and they sent a letter stating that they do not furnish any information to the credit reporting agencies. Again, under the FCRA, all information on a consumer credit file must be 100 % accurate and since the bankruptcy court is listed as the furnisher when they confirmed that they did not furnis this, it is again violation of my rights and I will be seeking litigation. All evidence wil be attached to this report.