davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-18
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: EQUIFAX, INC. (TX)

Re : XXXX XXXX XXXX XXXX located at : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX United States I needed to cash a check and the teller looked me up and down and said there could be a hold and asked me to wait a minute. She went to the manager on duty and came back a few minutes later stating that they needed to put a 2 day hold on my check. I kindly objected and said I would take it to my other bank. Today, XXXX XXXX, I was denied employment due to having a low credit score. I pulled up my credit through XXXX XXXX and noticed XXXX XXXX RAN MY CREDIT WHICH DIRECTLY ATTRIBUTED TO THE LOWERING OF MY CREDIT SCORE! I would like this resolved and I would like to be compensated for this breach! I drove 258 miles from my home, spent 4 nights in a hotel and away from family duties so I could obtain employment as a XXXX XXXX to help the victims of the natural disasters that are plaguing our citizens and loved ones, and today I was denied that opportunity. I believe this is against the law!
Consumer complaint received 2019-03-05
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: AMERICAN EXPRESS COMPANY (PA)

I applied for the American Express Platinum Card brand on XX/XX/2018 via a friend referral from XX/XX/2018. I was approved for the card under promotions conditions offering XXXX membership rewards after spending {$5000.00} in purchases in the first three months of card membership ( see attached email of XX/XX/18 ). Additionally, after becoming a Platinum Card member, I referred a friend with the understanding that I would receive XXXX Membership Rewards points once the referred member received his card. To my knowledge, the member I referred used the appropriate link I sent him ( see attached ) and has been furnished with the American Express Platinum Card.  To date, there are XXXX promotional Membership Rewards not awarded to my account as offered by American Express. I have spoken to many representatives at American Express in past three ( 3 ) months, many of which have been unaccommodating, condescending and blatantly rude with respect to resolving these matters amicably. I write for guidance as to any action that might be available to me at this time. Notwithstanding the lack of consumer resources offered by American Express, after paying an annual membership fee of {$550.00}, I believe that I have been duped. There certainly may be other consumers that may share this experience.
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Fidelity National Information Services, Inc. (FNIS) (WI)

Complaint against ChexSystems. I was notified by two financial institutions that there was a fraudulent attempt to open a deposit account in my name. I placed a Fraud Alert with ChexSystems. I subsequently attempted to obtain a copy of my ChexSystems report on line. After two failed attempts I called the number proved to talk to customer service. The number published by ChexSystems does not provide customer service. I called two different numbers listed by ChexSystems and was advised the number was only applicable to activating their monitoring product. They had no idea how I could speak with a customer service representative regarding my report. I downloaded the ChexSystems Request form to obtain my report. and mailed it to the address provided on the form. I received a response on XX/XX/XXXX, XXXX which was merely disclosures and a security alert request form. I did not receive the requested report. This unfair and deceptive in that ChexSystems customer service numbers, XXXX and XXXX, do not connect you with a customer service representative that can answer questions and submission of the report request form does not result in providing such form. I have attempted to attach a copy of the request form and response, but they exceeded the memory limit.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have fell into the hands of the wrong person.
Consumer complaint received 2024-03-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC. (DC)

I have chargeoffs that are inaccurate amd a direct violation of my rights under 604 15 USC 1681 B XXXX. XXXX XXXX XXXX. Santander Finance .XXXX. XXXX XXXX XXXX XXXX ( XXXX accounts )
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (TX)

To whom it may concern : I have reviewed my credit report and see that your company has listed an account on my credit file with A balance. I have sent A certified letter to have this debt validated and have received no response as of today. I am not refusing to pay this balance or account but I am sending you this notice that under my rights according to the Fair Debt Collection Practice Act ( 15USC1692g Sec 809 ( b ) ) I am FORMALLY DISPUTING your claim and requesting validation of the account. Please note : I am not requesting verification of the account and I do not need you to send me proof of my mailing address. I am respectfully requesting that your office provide evidence that I have A legal obligation to pay you. Please provide the following : 1. Detail of what the money I owe you is for. 2.How the amount you claim I owed was calculated. 3.Copy of your agreement with the original creditor. 4.Provid me with physical papers papers that show I agreed to pay what you say I owe ( Including my signature ) 8.Please provide A copy OF YOUR LICENSE TO COLLECT in my stat, including the number and registered agent. Please ACT IMMEDIATELY, as i am sure you are aware that reporting invalid information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue collection issues. If any negative information is found on my credit report file without this account first being validated. I will be forced to contact both the Federal Trade Commission and the state agencies and PURSUE LITIGATION for violation of the FCRA as well as the FDCPA. I will also file suit for defamation of character. Once you provide me with the above referenced information I will need 30 days to investigate the information provided. During this time, you MUST CEASE AND DESIST from collection activities. If you do not respond within 30 days the referenced account should be removed from my credit files. Please send me evidence of the deletion. I have requested this information now 3 times via mail.
Consumer complaint received 2023-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-04-03
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (IA)

On XX/XX/XXXX, I signed for a student loan with Iowa Student Loan. In the document I signed, it states my interest rate will be the Cost of Funds IV Index + 4.10 %. It also states if a third party buys the loan they can charge 90 % of the 3 month Libor. ( See attachment ) On XX/XX/XXXX, I received an amendment from Iowa Student Loan ( which I do not have a signed copy ). This changed my interest rate calculation to 3 Month Libor + 4.20 %. 

I am not sure when the loan was changed to Aspire Servicing Center. 

In XXXX of XXXX, I realized I was being charged even more interest than agreed to. I was being charged 3 Month Libor + 1.3 % + 4.2 %. I called on XX/XX/XXXX and spoke with a representative for 1 hour and 11 minutes trying to find out why they were charging me an additional 1.3 %. I asked to see the original Cost of Funds Index IV to compare. 

On XX/XX/XXXX, Aspire Servicing sent me a letter that they state I received. The letter ( attached ) says they are changing my interest calculation to 3 Month Libor + 1.3 % + 4.2 %. However, upon reviewing this letter in XXXX of XXXX, I see that this change, unlike the previous change, was not an amendment that could be mutually agreed upon. They did not send the Cost of Funds IV Index. 

On XX/XX/XXXX, I called Aspire again trying to find out the original interest rate calculation and why it changed. That was a 23 minute call with XXXX. She was going to send me a letter with more information. 

On XX/XX/XXXX, I called Aspire again and asked the same questions. I was told they would send another letter. 

On XX/XX/XXXX, I called Aspire again to inquire about the information I was to receive. They said they would send the letter that I should have received earlier in the month. I received that letter ( attached ) a few days later. It states they did not need an addendum to change my interest rate calculation. They will not be providing me the Cost of Funds IV Index as the changes were not optional. 

I then contacted their student loan advocate department to try to understand how they can just add on an additional 1.3 % to my loans without my consent, as we had a binding agreement. I was sent another letter dated XX/XX/XXXX stating all the same information they had said before. 

My question is how can a loan provider arbitrarily change the terms of the agreement. I can not go to a bank and just tell them I am paying less interest because I say so, that is not how a contract works.
Consumer complaint received 2017-09-19
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. (NJ)

- Equifax used poor IT security policies that resulted in personal information about my XXXX, my wife and me getting leaked to criminals. 

Facts that indicate gross negligence ( and not that they were just a victim of sophisticated criminals ) : - The method that the hackers used was a an issue that was resolved two months prior and was known to the cybersecurity industry : XXXX XXXX XXXX XXXX The company has a culture of incompetence in the cybersecurity department. Using " admin '' as username and password for example : XXXX XXXX XXXX - The Chief Information Security Officer is unqualified for the job with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The above facts show that the company is willfully negligent in protecting the personal information of American citizens, and not just that they are victims of hackers. 


Personal Impact to me and my family : Spending hours on the phone with the agencies to set up a fraud alert Spending hours on the phone and mailing documents to set up security freezes Spending many hours over the rest of my life to unfreeze and refreeze accounts every time I need to apply for credit Spending money and time taking steps with the IRS such as early filing to ensure that nobody files taxes using any of our SSNs. 

Spending many hours and hundreds of dollars per year for the rest of my life constantly monitoring reports for identity theft
Consumer complaint received 2021-04-30
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: Experian Information Solutions Inc. (FL)

I have asked Experian numerous times to provide how they validated the alleged debt. I have asked Experian to provide me the original contract with my wet signature on it and how they verified this alleged debt. 

I as the ORIGINAL CREDITOR DO NOT VAILD THIS DEBT AND I DEMAN THIS IS REMOVED FROM MY CREDIT REPORT. 

EXPERIAN ARE VIOLATING MY RIGHTS BY NOT PROVIDING ME THIS INFORMATION. 


THIS IS XXXX XXXX XXXX YOU HAVE MY AUTHORIZATION TO INVESTIGATE CFPB, CAN YOU LOOK INTO THIS? 
I WILL ALSO REACH OUT TO THE FTC AND XXXX
Consumer complaint received 2020-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I have tried to contact all three bureaus several times the addresses reporting on my credit profile are invalid I was part of the recent security breech involving XXXX  and filed a FTC report was filed yet they are still reporting false addresses I never heard of on my credit profile.
Consumer complaint received 2020-05-30
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: Experian Information Solutions Inc. (CA)

The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit.
Consumer complaint received 2020-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (DC)

Originally Submitted to the CFPB on XX/XX/2020 case # XXXX Experian 's response was wrong, a stall tactic and against the FCRA. I want my needs met, I am re submitting this to you about my name and address and previous addresses to be corrected see letter attached
Consumer complaint received 2020-12-08
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC (GA)

I done a refinance on my home mortgage with Cross Country Mortgage, It started normal as i filled out an application over the phone with my loan officer XXXX. Upon approval XXXX told me everything looked good and not to make any payments to my mortgage company that we would be closing by then. He said " Worst case there will be a {$39.00} late fee that we will take care of ''. A month later after not hearing a word from them I get a call to do an appraisal which was done. Several weeks later I get an email from XXXX XXXX where my mortgage company put me as late dropping my credit score 50 points. I started calling and leaving voicemail after voicemail after voicemail. Finally I get XXXX on the phone who says he meant to call me and tell me to make my payment but he is going through a XXXX XXXX and it slipped his mind. So several weeks later its finally time for closing and the closing attorney has no paper work on the day of closing. Then she finally got the paper work and it was wrong so she came back 2 days later to close. I noticed on the first paper work the charged me almost {$1400.00} for a late closing when it was late due to them. So i called and they credited me the {$1400.00} so they said. My loan closed and the sold my mortgage and when i got my statement they still charged me the {$1400.00}. Now im back to leaving voicemails to a company that doesnt even own my loan
Consumer complaint received 2022-03-15
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: AMERISAVE MORTGAGE CORPORATION (NV)

I just only asked this company basic info on " their mortgage cash program '' they took this lil conversation too far. I would never use this company for my mortgage in life, they Rep is like 1 Star. ' Im very happy and content with my mortgage company, XXXX XXXX XXXX because I am a XXXX percent veteran, with a great VA Home loan. This company has no right to pull may credit, I gave them no permission what so ever and not even my ssn. Also they have no right to pull my credit every month and send me the results, with your company approval? on the document. saying I can get more info if I write or call www.consumerfinance.gov/learnmore. This is not right and Im being VIOLATED AND STALKED AND HARRASSED AND IDENITY STOLEN BY THIS COMPANY. I'M SUING THEM AND IM LETTING THE UNITED STATES GOVERNMENT KNOW, WHOM SPONSORED MY MORTAGE WHAT DAMAGE THEY ARE DOING TO ME. I WANT OUT OF THEIR SYSTEM AND I WANT TO GET PAID FOR THE DAMAGES THEY HAVE CASUED MY CREDIT AND HARDSHIP ON ME. THEY OWE ME {$750000.00} FOR THIS DAMAGE.ASAP!!!!!!!
Consumer complaint received 2020-12-08
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. (FL)

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian 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 2021-09-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC (VA)

I am asserting my rights as the Consumer pursuant to Title 15 U.S.C 1692a Monterey Collection Service fraudulently reporting to XXXX credit agency on XX/XX/2018 an alleged debt without proper validation of the alleged debt. I have no contract with Monterey Coll SVC. They haven't spoken to my peers, which is the only way the can validate the debt. 

The only way Monterey Collection Service or anyone or thing can put something on a credit report is by Federal judge order or I asking as the Consumer and Authorized Representative. I most certainly didn't request to have this added to my report nor did a Federal judge order to put anything on the credit report for the NAME I am the Authorized Representative of. 

Monterey Collection Service is in violation pursuant to 15 U.S.C 1692a ( 2 ) Monterey Collection Service is in violation pursuant to 15 U.S.C 1692e ( 1 ) Monterey Collection Service is in violation pursuant to 15 U.S.C 1692d I will use my rights as a Consumer pursuant to 15 U.S.C 1635 to rescind any signature I will use my rights as a Consumer pursuant to 15 U.S.C 1692g ( c ),
Consumer complaint received 2021-09-20
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. (NY)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2021-04-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (OR)

I received an email saying that my credit score had dropped 45 points which is very odd considering I have always been consistent with payments. I with into the app and it said that an account was open XX/XX/XXXX but I havent opened an account. The account was from Capital One.