davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Bank of America corruptly and fraudulently added a charge back to my account that was removed after the legal deadline. I responded to the Dispute with written documentation. 

Maybe, with Bank of Americas continued violations of our nations immigration laws with impunity when Obama was President they feel theyre allowed to break other federal laws governing credit card disputes. However, it is very clear Bank of America broke the law and I am a victim here.
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (GA)

XX/XX/2022, I initiated an auto insurance quote with XXXX online for my paid off XXXX XXXX. I added my son as a driver and provided his drivers license info at the time of the quote. The original quote was around {$270.00} or {$300.00} per month with my son added as a driver. I dont get any emails, texts or letters saying anything changed. About a week before the payment was due I logged into my XXXX account and saw that my premium was like {$1600.00} or {$1700.00} per month not to mention I didnt even agree to that amount. They gave me NO open to ever agree to the change even though they had my sons license information at the time of the quote. called XXXX and was informed that due to my son having negative items on his license my rate went up. I asked why was this not divulged at the time of the quote and I got no response. I then asked what happened to the record of my original my original quote. I was told after a a period of time they are deleted. Very convenient! Especially considering it has not been a month. I refused to pay due to me never being notified that my premium changed or agree to a much higher amount, as it made no sense for anyone to pay {$1700.00} per month for a paid off {$2000.00} vehicle, especially when I had insurance on my other car with XXXX XXXX. This practice is extremely shad. They ultimately filed a collection on my credit report.
Consumer complaint received 2021-09-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE UNAUTHORIZED INQUIRIES AND ACCOUNTS I WAS NEVER LATE ON I AM ENCLOSING A LETTER OF EXPLANATION
Consumer complaint received 2021-09-21
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. (TX)

XXXX XXXX XXXX improperly used my credit information from XXXX XXXX and placed a hard inquiry on my credit report for a loan I didn't apply for. I reported this fraudulent attempt to XXXX XXXX who never contacted me. I opened a dispute with XXXX XXXX XXXX which hasn't been resolved. I have frozen my credit accounts and need the hard inquiries removed from my TransUnion and XXXX accounts. 

XXXX XXXX requested additional identifying information for the fraud dispute and then used my personal information to process and decline the fraudulent loan application.
Consumer complaint received 2022-08-12
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. (KY)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2020-11-14
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. (GA)

I have tried with Equifax to resolve this now Im filing a complaint with consumer financial protection bureau, I have a fraudulent inquiry just one on my credit report, I do recognize this inquiry I want it removed every time I call Equifax I have been hung up on and treated rudely, i know the fair credit reporting act and it says i can dispute any and all negative accounts that are not mine and any information I dont recognize including inquiries that show up in my report, this inquiry is from XXXX days XXXX I do not recognize this inquiry Im disputing this as fraud and please remove this inquiry from my report I DO NOT WANT a fraud alert on my report I repeat do not put a fraud alert on my report just simply remove this inquiry
Consumer complaint received 2018-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/2016 I submitted a balance transfer request through my Capital One online portal to pay off my XXXX XXXX XXXX in the amount of {$1600.00}. After a month or so I saw that Capital One added this debt to my account, but my XXXX XXXX XXXX never got paid off. After speaking to Capital One they confirmed the account number they sent the electronic check to, but it went to a XXXX account. I am not a XXXX accountholder nor do I have a XXXX so they sent it to the wrong bank. 

I have tried to resolve this issue with Capital One 's investigation team for over 2 years but they have essentially wiped their hands clean with it and have stated that because the check was cashed by XXXX there is not much else they can do for me. I have a copy of the check that Capital One sent to XXXX, I have copes of all my statements for my XXXX XXXX XXXX showing that there was never a payment of {$1600.00} reflected on the account, and documentation of the letters I sent to Capital One trying to get this resolved. In addition to this, I also have all the call logs of when I tried to rectify this situation with Capital One. I also have the employee IDs of the Capital One representatives who were on the calls. 

In essence I am now paying a double debt and the fact that Capital One has decided to not assist anymore leads me no choice but to try and find resolution in another way. As I can not afford a lawyer to help me with this, I am hoping through this portal I can gain some assistance as well as much needed resolution to a problem that began over 2 years ago.
Consumer complaint received 2018-10-01
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: Mid-South Adjustment Co., Inc. (AR)

I have 2 separate items showing on my credit report from Mid South Adjustment. The first item is showing a balance of {$1000.00} and the 2nd is showing a balance of {$1600.00}. It is showing as a physical therapy institute. I have never had physical therapy. These accounts are not mine. I sent over a Debt Validation Letter to them and the attached return Receipt shows that it was received on XX/XX/2018 by someone named XXXX. They still have not sent me any of the paperwork that was requested in the validation letter and it has been over the 30 day period.
Consumer complaint received 2024-05-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (IL)

On XX/XX/2024 I purchased a stove online from fridgidare.com. the price of the stove was XXXX, after taxes XXXX. I entered into a lease to own with 90 day same as cash with a {$50.00} mark up. However I noticed that Acima leasing has made it seem as if the stove was XXXX and then started to charge an additional tax based on that price. All together not onky was a {$50.00} mark up charge applied but an addition {$25.00} 90 day buyout fee on top of an additional XXXX percent in taxes. I've called repeatedly and was asked to forward a copy of the invoice that shows the taxes were already paid and I did. My end results was acima telling me that they will Not refund the money. I was told that I should ha XXXX went into a store for the purchase then the XXXX taxes would not have been applied. I then researched my other XXXX leases and found d that to be the same thing on those as well.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action :
Consumer complaint received 2021-04-06
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: CL Holdings LLC (MS)

XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX Jefferson Capital System, XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX VIA U.S.P.S. CERTIFIED MAIL/RETURN RECEIPT REQUESTED # Re : Jefferson Capital System Account Number : XXXX Debt Collectors Account Number : XXXX Dear XXXXefferson Capital System, I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn the matter over to an attorney. 



Sincerely, XXXX XXXX XXXX XXXX Email : XXXX SSN : XXXX DOB : XX/XX/XXXX cc : Consumer Financial Protection Bureau via fax XXXX
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

Transunion deleted an account off my credit report and added it back. under FCRA section Part ( A ) ( 5 ) ( B ) ( ii ) if the credit bureaus re-insert a removed item from your credit report without notifying you in writing with 5 business days they can be sued for consumer protection afforded by the FCRA for {$1000.00} They also re-aged the date of last activity on this account and under FCRA 605 ( C ) running of the period, this is an FCRA violation also punishable by {$1000.00} in fines
Consumer complaint received 2021-04-06
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX
Consumer complaint received 2017-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (MI)

On XX/XX/XXXX I submitted credit freeze requests to XXXX XXXX, XXXX, and Equifax on line. Today XX/XX/XXXX I received by US MAIL my proof of request for a credit freeze from XXXX XXXX and XXXX including my personal identification number and or pin and well as contact number for modification of the freeze. I checked our band and the state fees were deducted from our account from XXXX XXXX and XXXX 

The complaint I have is with Equifax. I placed all these requests the same day. The online Equifax web site took our credit card information to charge our account for the appropriate state fee. The site stated it would display a one time PDF for viewing and Printing. I wrote the number and confirmation number down but WE DO NOT OWN A PRINTER!! I have been checking our bank daily since placing the freeze request with Equifax but nothing has been debited from our account. I have NO PROOF THEY FOLLOWED THRU WITH MY REQUEST FOR A CREDIT FREEZE. I DO NOT OWN A PRINTER AND COULD NOT PRINT THE PDF. I have tried multiple times to reach Equifax by phone to verify they did their job in protecting me by applying my request for a credit freeze on my behalf but to no avail. I have tried to reach Equifax online to explain their error in assuming everyone can print the PDF but I can find no location on their web site to notify them of such. PERSONS WITHOUT A PRINTER ARE BEING PLACED AT RISK as EQUIFAX is NOT providing proof of their placing credit freezes on those who requested them. EQUIFAX IS DISCRIMINATING THOSE WHO CAN NOT AFFORD A PRINTER
Consumer complaint received 2022-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

XXXX - We are XXXX XXXX affected couple, and in default of our mortgage. 
XXXX - Our home is our primary residence occupied by owners. We have no other property. 
XXXX - Besides COVID, the borrower has lost her employment as XXXX, due to XXXX XXXX  XXXX, after doing her career passionately for 31 years. 
XXXX - Formal doctor XXXX determination documentation has since been supplied to the mortgage loan processor - Rushmore LMS LLC. 
XXXX - Out of three original borrowers, one XXXX  after 6 years and the second after 14 years of starting this mortgage loan. The mortgage payment burden is on sole surviving borrower now. 
XXXX - We turned in the formal loss mitigation completed application package to Rushmore. They owe us a written acknowledgement of having received the package. 
XXXX - Rushmore owe us the formal notification regarding their willingness to review and take a decision on our loss mitigation application. 
XXXX - An application for California Mortgage Relief Program grant is still pending review and decision. 
XXXX - Our property has not been removed from trustee auction sale scheduled for XXXX at XXXXXXXX XXXX 
XXXX - The terms of our mortgage have consistently and progressively been harsher every so often.
Consumer complaint received 2020-07-15
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. (CA)

My student loans have been dismissed due to long term XXXX. Naviant still has my account showing as a bad debt. As well as has the same account multipal times on each credit report. It also shows they no longer have the account but has not removed the information. They are double dipping at the very least.
Consumer complaint received 2024-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Service International Corp (GA)

I am writing to dispute the alleged debt that you have placed on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX, debt XXXX are required to provide notice to the consumer within XXXX days of their initial communication. I have not received such notice from your company. 

Furthermore, upon my request, you have failed to provide me with a receipt of the certified mail containing the alleged notice, including my signature confirming receipt. This failure to provide documentation not only violates my federal rights but also raises serious questions regarding the validity of the debt in question. 

Your recent response to my inquiry lacks substantial evidence of compliance with federal regulations. While you assert your legal right to collect an alleged debt, you have failed to provide any verifiable proof of notification or adherence to the necessary disclosures under the FDCPA. Without such evidence, the presence of this debt on my credit report is unwarranted and unjustified. 

Moreover, your own records indicate that you received the alleged debt for collection placement on XX/XX/22, while my credit report indicates that this account was opened on XX/XX/22. This inconsistency demonstrates a clear violation of my federal rights under FDCPA XXXX XXXX ( a ) ( XXXX ) ( ii ), as you furnished this account to the credit reporting agencies before providing me with notice let alone before you even received this assignment to collect. 

I demand that you immediately remove this collection from my credit report. Failure to do so will leave me with no choice but to pursue legal action against Credit Service International Corp for defamation of character and violation of my consumer rights. 

Enclosed, please find copies of my correspondence with your company, as well as my credit report reflecting the inaccurate information. I expect a prompt resolution to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: P&B Capital Group, LLC (CA)

This complaint is related to existing complaint # XXXX, and its a revision to complaint # XXXX. XXXX XXXXXXXX XXXX outsourced a debt collection to P & B capital on their behalf, I attached the original collection letter that was dated XX/XX/XXXX. 

I have listed the 3 problems below!

1. As you can see in the letter it has complete XXXX XXXX listed as the current creditor. Complete XXXX XXXX has never lended me credit, they are a debt collector not a credit lender. 

2. I have attached the debt verification letter that I sent back to P & B capital and XXXX XXXXXXXX XXXX on XX/XX/XXXX. NO VERIFICATION WAS EVER COMPLETED OR SENT by either company which is documented in the original complaint # XXXX. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) clearly states after ignoring a written request to verify the debt which they have 30 days, they can no longer continue to try and collect on that debt.

3. THE FAIR DEBT COLLECTION PRACTICES ACT 809 ( b ) also states after receiving a written dispute the collector must stop collecting on the debt until verification is received. XXXX XXXXXXXX XXXX also violated this act by reporting a negative debt on my credit reports on XX/XX/XXXX. 

I spoke with a woman this morning XX/XX/XXXX from XXXX XXXXXXXX XXXX via phone call. She confirmed that they were using P & B capital to collect this alleged debt for them, this means the same rules and timeline that apply to P & B also apply to XXXX XXXXXXXX XXXX. P & B capital has still yet to respond to CFPB complaint XXXX regarding this matter, which they are legally obligated to. XXXX XXXXXXXX XXXX and their hired partner P & B capital have broken multiple rules and are continuing to act as if they are immune to the law.
Consumer complaint received 2018-10-01
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: CITIBANK, N.A. (NY)

Best Buy Credit services have been actively doing inquiries on my credit report on the dates listed below. The card is not active, they closed it in XX/XX/XXXX. Please stop making inquires to my credit report.

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX