davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-07
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: Resurgent Capital Services L.P. (CA)

I am Submitting this complaint because illegal practices were preformed and despite numerous attempts this debt has not been verified or validated. Amounts have been changed the account has been removed and re added without any written reasons why or that it was being re added, i have 3 120 day late payments i can see but this is not the original creditor so any extra fees and late payments or not valid as i never made a payment and have been disputing this for years. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}. In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00}, In XX/XX/XXXX Balance Was {$1100.00} In XX/XX/XXXX Account Was Removed and Re Added on The Same Day XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX There is a 120 Day Late Payment, XX/XX/XXXX has a 120 Day Late Payment. I Never Made a Payment Arrangement and I Have Never Made any Payments To This Company It is a Highly illegal Practice I asked to both validate and verify amounts owed, the breakdown of why i owe these amounts, proof that i am responsible for this debt, a contract with my signature on it and have yet to get any response or validation or verification but they say account has been verified how was this done also throughout this entire process they close then open the account
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OK)

I am writing to address certain discrepancies I recently discovered upon reviewing my credit report, which I obtained on XXXX 2024. It has come to my attention that there are concerning inaccuracies present, and I wish to bring them to your immediate attention, emphasizing the crucial role that your agency plays in ensuring fair and accurate reporting. As stated in Section 15 U.S.C. 1681s-2 of the FCRA, it is important that consumer reporting agencies, such as yours, engage in thorough investigations when individuals, like myself, raise concerns regarding the accuracy of information contained within their credit reports. Should the information provided be found to be inaccurate, incomplete, or unverifiable after a reinvestigation, it is your agency 's job to promptly delete the accounts. Additionally, as stated in 15 U.S.C. 6802, consumers maintain the right to privacy concerning disclosing their personal information. I did not provide authorization for the furnishing of the accounts listed below, nor was I presented with clear and conspicuous disclosures to opt-out. As a consumer, I entrust your agency to uphold these privacy standards diligently. The accounts listed below are indicative of identity theft, as they have been furnished to my credit profile without my consent, thereby constituting a violation of 18 U.S.C. 1028A. I need your agency to take immediate action to fix this matter and protect my personal information from further misuse. In light of this case of identity theft, it is important that your agency promptly block and delete the associated information from my credit report, as stated in 15 U.S.C. 1681c-2.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (NJ)

I HAVE LATES AND CREDIT INQUIRIES THAT DONT BELONG TO ME. PLEASE I WAS SICK I CALLED XXXX THEY SAID THEY WOULD UPDATE I HAVE SEVERAL INQUIRIES FROM EXPERIAN XXXX XX/XX/XXXX Experian XXXX CARD XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX, XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX  aLL ABOVE IQUIRES ARE NOT MINES
Consumer complaint received 2015-05-18
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: DFC Global Corp. (CA)

This issue is regarding a business check that I cashed at money mart XXXX California the XXXX store they charged me XXXX percent of XXXX $ when they were only supposed to charge me 3 % they refuse to pay back the7 % difference because I did n't catch the mistake before I left the store, the money was put on a XXXX visa card and XXXX $ cash was given to. Me as well for cash back from purchase .i was supposed to have been contact by district manager on XXXX she failed I finally tracked her down around XXXX XXXX she said nothing she can do.my budget was going to allow me to by a used car with that portion of the cash now I ca n't and I need transportation please HELP!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I am writing to formally file a complaint against Equifax concerning their failure to address the inaccuracies on my credit report, despite my documented efforts to rectify the situation. 

On XX/XX/2024, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report. In addition, I disputed incorrect personal information listed on my credit report. These inaccuracies have had adverse effects on my financial standing and credibility. 

Despite my efforts to comply with the Fair Credit Reporting Act ( FCRA ) guidelines and provide all necessary information, Equifax has failed to acknowledge or act upon my dispute within the legally mandated time frame. I did not receive a response back from Equifax with the investigation results. 

I have taken considerable care to ensure the accuracy of my credit report and to protect my financial reputation. However, Equifax 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to Equifax as proof. I am now demanding Equifax immediately and permanently remove the disputed items from my credit report.
Consumer complaint received 2023-04-05
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. (PA)

Please look at the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2016-01-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CMI Group, Inc. (TX)

I was making payments to a medical imaging company and they still turned me over to collections. I told them I could make at least {$50.00} payments a month minimum and they refused it. They said they needed more and that I had to give them a credit card to charge. I was actually sending them more the {$50.00}. I paid {$320.00} on XXXX, {$100.00} on XXXX, {$50.00} on XXXX, and {$170.00} on XXXX. Can they legally turn me over to collections when they refused my payment arrangement, plus I was still making payments?
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2015-12-02
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had XXXX S.O.N.Y. cards and XXXX XXXX platinum master card, I sent them decease and desist letters and they still are sending me statements in the mail. I have called both companys many of times and they wo n't quit harrassing me for money. I am on XXXX, XXXX, H.U.D. and food stamps, am poor and can not afford to pay the fees. They wo n't quit harrassing me and sending me statements. I would like something done about them harrassing me, I pleaded a chapter on bankruptcy, and they still want their money. What do I do? Please respond to XXXXXXXXXXXX.
Consumer complaint received 2015-04-15
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Byrider Franchising, LLC (CO)

I would like to report CNAC, dba car now aacceptance company for harassment. I am fully aware that I am behind in my payments, but I have repeatedly asked them not to contact me at my place of employment in writing. They have ignored this request. I as well as family members have asked them not to contact us anymore and take the necessary measures to collect on debt, yet they continue to harass. Please let people know that they should not do business with this company
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (TX)

I have been asking all 3 credit bureaus to provide documentation concerning account I have attached to this complaint since XX/XX/2023 up until this point. They continue to say this account has been VERIFIED with documentation. I have yet to receive any documentation with my signature and date contract was signed from Equifax, XXXX, XXXX XXXX or XXXX XXXX. I have sent everything that was requested showing my social security was compromised filled out fraud paperwork that was sent and still nothing that I have requested has been sent.
Consumer complaint received 2015-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Great American Finance Co (IL)

I received a call from XXXX XXXX at Great American Finance Company from the number XXXX at work a past due balance on a furniture bill that is {$110.00} and some change. I asked XXXX XXXX not to contact me at my job. He ignored my request and continued to tell me again that he was calling about my bill and that if I paid my bill then he would n't be calling me. I explained to him that I made a request for him to not call my job and the I will be reporting him to the FTC and XXXX XXXX 's office and his response was " do what you got ta do ''! He went on to say you should be paying your bills. I ended the call right there due to his harassment. He said XXXX blurb about the bill contents ; it was more so harassment due to me asking him not to call my job.
Consumer complaint received 2023-04-05
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. (PA)

Fraudulent accounts and inquiries appearing on my credit report. 1. XXXX {$10000.00} 2 XXXX {$10000.00}
Consumer complaint received 2015-09-15
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: ENOVA INTERNATIONAL, INC. (FL)

A call was recieved concerning collecting a debt on behalf of cashnetusa. I wanted to verify the debtor 's validity in collecting a debt and recieved threats from the debt collector claiming to be operating on behalf of Cashnet. 

I was told I had XXXX hours to verify, that I would n't call back, that I would face serious consequences. The behavior was hostile. 

Here is his contact infoXXXX XXXX XXXX
Consumer complaint received 2015-10-17
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (DC)

This is a general complaint that I would love to see CFPB take up. I find it outrageous that credit card companies often do NOT show us our running balance on our credit cards. I just called USAA because the numbers were n't adding up and even the friendly guy who answered had to calculate all my expenses one by one because he could not see the running balance. It 's 2015, there 's no reason these banks can not keep a running balance. This only increases the chances for manipulation and is a complete lack of transparency. I think we should make it ILLEGAL for credit card companies to not show the running balance. Thank you!
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I viewed my updated credit report today XX/XX/XXXX I was utterly disappointed to see that my request to the bureaus to delete this fraudulent item but it is still reporting on my file. The account isn't mine is still reporting because the bureaus have disregarded my request. 

XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2023-04-05
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. (IL)

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$1100.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2017-10-13
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XXXX sent a XXXX scammer {$300.00} via the XXXX feature on my XXXX XXXX Account. He never sent me concert tickets. XXXX XXXX launched an " investigation. '' I filed a police report. The officer heard my story and said, " I bet you {$5.00} you sent money to Bank of America account, right? For some reason, every scam I come across involves Bank of America. '' Telling, right? 


XXXX XXXX responded to my claim with an initial letter that said they were investigating and that they would be contacting the other bank ( BofA ) and seeing if they could refund my money. On the same day as this letter, they sent a 2nd letter saying that there was nothing they could do and that the claim was closed. 


I 've asked them if they could verify that the stolen/illegitimate checking account could be shut down - XXXX says that is up to BofA. BofA will not discuss another account with me because I 'm not their customer. 

However, XXXX did tell me XXXX and I 've learned XXXX some interesting things. In the letter they said that my transaction was initiated on XXXX. It did. They also say that this transaction did not post until XXXX. This was after my dispute was filed and after they " opened '' their investigation. Fishy. 

They also write, " Please be advised that the token you provided did not match the name of your intended recipient. '' When I asked the supervisor why in the XXXX they would allow a transaction to proceed that did not match the name of the intended recipient, he told me that I did not understand " token based transactions '' and that this was perfectly normal and not a security concern at all. 


One more thing -- while researching XXXX and their security I found this thread from XXXX that is used exclusively as a marketplace for similar fraudsters and scammers https : XXXX This thread ( before it was edited to remove the content ) talked about how XXXX had XXXX security flaw whereas you could enter any mobile number to receive your verification code -- and the number would not need to match the one associated with your bank account. 


Bottom line : XXXX does n't take their security seriously. XXXX XXXX does n't care about it 's customers and Bank of America is a haven for scammers because they do not properly verify ids when setting up accounts.
Consumer complaint received 2015-08-18
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

My husband died in XXXX 2013 and I have been trying since XXXX 2013 to get a loan modification. I am a senior citizen and have provided SPS with the requested documents so many times I have lost count. I have never been able to talk to XXXX XXXX the relationship person assigned to me. Every time I call with is once a week he is never available, thus, each time I speak to a different person and get a different explanation as to why my loan modification has not been completed. XXXX reason given I is that my picture on the license I faxed in is too dark, which I find very offensive and do n't know how to fix. Another reason I have been given is that they could not find my son 's name on the check stubs faxed in. Which again I do n't understand because the previous person said they see the name. Every time I call which is once per week, I talk to another person and get another reason. It has been almost two ( 2 ) years and still no loan modification. I am falling deeper and deeper into debt and fear losing my home which is putting me under a lot of stress. I want the mortgage company to modify my loan. I want a fixed rate with a reasonable monthly payment and I do n't want my principle balance doubling because delinquent interest has been capitalized into my XXXX. I want to be able to talk to the same person every time I call who understands my file and my situation and who is committed to helping me. I want to stop getting the run-around from the loan servicer SPS.
Consumer complaint received 2015-11-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I wrote letters to the the Collection Agency on XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, LAST ONE TO THE CREDIT BUREAUS XXXX AND XXXX XXXX ON XXXX XXXX, XXXX. 
PORTFOLIO RECOVERY WROTE ME ON XX/XX/XXXXStating that they got the information correct and the validation of the account in question is Correct BUT Correct to them, But not to me enclose you will find the big mess there is as far as dates are incorrect and inaccurate, open date of the account is wrong, the balance of the account is wrong, also it looks like the statement they sent me which is not correct it seems like they have put together the pages to coordinate one page with the other you will see in my details where I am pointing out the errors and discrepancies. 

since XXXX Portfolio Recovery did not answer me the letters I sent them to clarify all the inaccurate issues, it is over 30 days now. 
it seems to me that because this account was sold to a second party as soon as the other business entity get the account they update the information to make the 7 years that the account will remain in the credit bureaus is longer, there is no documented payments on this account since long ago the account was open in XXXX, just figure out it 's been 7 years already and still wants to punishing me to last this derogatory and negative item until XXXX IS NOT FAIR, WHEN YOU ARE NOT DOING BUSINESS FAIR, WHY WE CONSUMERS WE MUST PUT UP TO THIS KIND OF ABUSES.
Consumer complaint received 2023-03-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC (TX)

I called Rocket Mortgage on Monday, XX/XX/XXXX at XXXX Central. I spoke XXXX 's regarding an escrow refund that I saw on my account although no escrow analysis document was available. More thought it was odd that she could see an escrow refund and see was also unable to view the escrow analysis report. After I contacted Rocket Mortgage and spoke with XXXX 's, the analysis report showed up in my account on Tuesday, XX/XX/XXXX. XXXX informed me that although I had over paid in my escrow and was receiving a check for {$1600.00}, they were increasing the amount of my payment. I told her that can't be right because my county taxes were {$3200.00} less than what Rocket Mortgage originally estimated for. Rocket estimated that my property tax would be {$14000.00} but it was actually {$11000.00}. With this difference my refund back should have been more and my monthly payment should not go up. My homeowners insurance did increase by {$540.00} for the year. However I still have cushion greater than the amount required so my monthly payment should not increase it should go down. 

Rocket Mortgage says I have an overage in my account and is refunding me {$1600.00}. If I have an overage and paid more than I should, the monthly payment should not go up. 

On page one of the Annual Escrow Account Breakdown, the actual amount paid for property tax is incorrect. The amount paid was {$11000.00} and not what us reflected on Rocket Mortgage report showing {$14000.00}. I have never had a property tax bill that high and that is not what was paid. 

I am asking Rocket Mortgage to correct the analysis and my payment should be lower not higher beginning in XXXX.
Consumer complaint received 2016-05-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

I opened a Citigold checking account with a bonus offer of XXXX Thank you points. 
Before opening it, I confirmed I was eligible for it. 
I completed the requirements and waited 90 days for the bonus points. 
I chatted with a Citi rep named XXXX who confirmed I 'll get the points. 
Now Citi is saying I 'm not eligible for them.