davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-22
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: FactorTrust, Inc. (MS)

My rights as a consumer are being violated with this inaccurate information. I have the right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance! The one thing I won't tolerate is negative information. It doesnt matter if it's certified or not, what matters to me are the facts and truths of anything that may be going on with your company and the data you have concerning my credit profile.The credit report I received is not accurate which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.Here 's my challenge for you : Make a document that shows all of the evidence for each claim and send it to me. It should be verified, complete and true! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. I'm unsure if the reporting process was done correctly or whether it's in proper format, so we can't say that your claims are accurate either way. The following claims are controversial and have not been independently verified as true.Please remove any false accounts from my credit report. I am requesting that you take care of this as soon as possible so it does not affect me financially in the future. My credit report is my life. I want only factually accurate, verified and compliant data documented on it!
Consumer complaint received 2020-11-16
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: General Motors Financial Company, Inc. (CA)

1. On XXXX XXXX, 2020, AMERICREDIT add a hard inquiry on my credit report per XXXX. 
2. On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX, XXXX and XXXX. 
3. On XXXX XXXX, 2020, XXXX XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX, XXXX and XXXX.
Consumer complaint received 2022-08-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX 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 XXXXXXXX Balance : {$5500.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-10-13
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. (TX)

Hello, I hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding my PORTFOLIO. The status is reporting late. I find that strange since I dont recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureaus to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well ( different open/close dates ). Doesnt this go against the FCRA Laws?
Consumer complaint received 2020-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (IL)

Hi, I have made extra payments so that I could knock down my Mortgage principal amount, but this mortgage company is posting the extra payments towards future monthly payments instead of applying them towards my principal. For example, the extra payment I made in XX/XX/XXXX, they are applying it to the mortgage payment for XX/XX/XXXX ( instead of applying it to my principal amount ). I called them to complaint about it, and asked them to apply my extra payments towards my principal instead of applying them to future monthly payments, they promised to fix it, but they did not fix it. In my opinion, they are illegally holding my money and making extra interest income from it instead of knocking down my mortgage principal amount. Here is how the payment history looks like : XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$980.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$900.00} {$0.00} {$0.00} {$0.00} {$0.00} {$900.00} XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$500.00} {$0.00} {$0.00} {$0.00} {$0.00} {$500.00} XXXX XXXX {$620.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$610.00} {$990.00} {$0.00} {$990.00} {$0.00} {$2600.00} XXXX XXXX {$2000.00} {$0.00} {$0.00} {$0.00} {$0.00} {$2000.00} XXXX XXXX {$0.00} {$0.00} {$0.00} {$1400.00} {$0.00} {$1400.00}
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

I received a debit card from USbank without requesting an account. I do not need this card ( ReliaCard ), as I dont qualify for any government assistance, nor did I give them permission to open an account on my behalf. They seem to have my personal information. No one will answer any of the numbers, but put you on hold for hours. The USbank reps say they cant help with ReliaCard. I want to close this account, but by not answering my call, they are refusing. The paperwork says they can begin sharing my personal information within 30 days. The only way I can stop them from sharing my information is by activating my card with a CONFIRMATION of my social security number and PIN. 

This is an unfair business practice! 

Please help me cancel this account.
Consumer complaint received 2021-04-28
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)

I have been in contact with the company about things on my report I don't recognize. The insist that the items in question are mine without providing proof, which is my rights to have based on fcra rules.
Consumer complaint received 2017-09-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TX)

I contacted this company a year ago and stated I could not mail in payments. I needed to keep a checking account or credit card on file. I do n't want to do that because I will not make the payments on the same day. They stated they could n't help me if I did n't leave that information on file to withdraw automatically. I asked why there were so many fees added after I contacted them that I could n't pay them and they said they can charge up to a year after I contact them.
Consumer complaint received 2020-11-27
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. (KY)

XXXX XXXX credit monitoring service has notified me that there was a credit inquiry on my Experian Credit Report dated XXXX/XXXX/2020. It was from the US Small Business Administration ODA. I have not applied for any loans or credit through the SBA and am concerned that this may be fraudulent activity involving my identity. I have been in contact with Experian and they have a fraud alert in place. I have also filed a report with the SBA-ODA division. 
Thanks for your help in this matter.
Consumer complaint received 2021-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have a problem with Bank of America communication with XXXX XXXX. Reported is to technical on Friday XX/XX/2021. XXXX Case XXXX. I have contacted back on XXXX, and XX/XX/2021 I keep getting that dept is backup and we had a back holiday. It could be another 5 to 10 days. All we do is fill case with that department. I have contacted XXXX XXXX ( XXXX ) XXXX twice. It is not their issue and they are getting multiple calls daily on this issue. My Case number with XXXX is XXXX I was able to connect in the morning of XX/XX/2021 and buy afternoon started getting XXXX error. I have transaction stuck in the to be paid out.
Consumer complaint received 2021-10-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Credit Recovery, Inc. (LA)

I have attempted to make contact with the Collection Company by sending a Letter of Validation for which I sent via USPS with a Return Receipt : XXXX XXXX XXXX-Original Creditor Southern Credit Recovery-Collection Agency I never received prior notification regarding this debt. I do not owe this debt as my medical services were completely paid in full. I have sent a letter to them and they have not responded. I XXXX the address of the creditor and they are not verifiable. I should have this debt cleared from my credit report, this is an error and fraudulent. 

The address that is listed on my credit report is the following : XXXX XXXX XXXX XXXX, LA XXXX ( XXXX )
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc. (VA)

I signed up for a Self secured credit card. They are holding {$200.00} of my money as security. I never received the card, it was never active yet they charged my bank account a {$25.00} minimum payment. The balance was XXXX and they charged {$25.00} and do not show a credit. This is in addition to an annual fee of {$25.00}. ( Two separate charges ). I spent XXXX minutes on the phone explaining this to them but the agent tried to convince me for XXXX minutes that the minimum payment deducted was actually the annual fee. I called them back later to close the card but i was bounced around from department to department, but no one would close the account and refund the {$220.00}. I tried again later and it was the same situation. 
I do not have the card number because i never received it. In my opinion self.inc is a business acting fraudulently and should not be allowed to operate a credit card company. I am sure that you had many other complaints. I would like to get my money back and hope you will restrict them from operating a credit card scam.
Consumer complaint received 2021-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Verisk Analytics Inc (SC)

on XX/XX/2021 I got an online insurance quote through XXXX XXXX it showed a violation from XX/XX/2021 with the number XXXX to call if you needed more info I did she then gave me XXXX that was a recorded message with instructions how to request your report. The web address given was XXXX then additional instructions on which tab to click on. Here 's the problem that web address redirects you to the employment verification or sales department. I tried the online chat to tell them I left 3 voicemails. the web address you have here on your consumer website has the exact link that redirects you. You can not request your personal driving or violations report with this web link address. Therefore you can not get your report to verify or object to the claims on said report. Please advise.
Consumer complaint received 2020-10-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (GA)

On XX/XX/2020, I submitted a second complaint against TransWorld Systems. This will be my third and final complaint with the CFPB and the next step will be seeing them in court with my lawyer, filing a complaint with the GA State Attorney General and holding a public press release. 
I have attached their response which they replied to my last complaint and the continue submitting the same information, which is a contract that was signed with XXXX XXXX XXXX. This does not answer the questions which I demanded of them and up to now, they are still validating this debt and I have a RIGHT to get a response on my questions, since they are destroying my credit worthiness without valid proof. If they can read, which up to now it does not seem that they can, I will post my questions here once again. If they can not read my full statement and reply accordingly and legally, then I will see if they can understand my lawyer 's lingo instead in court. I do plan of bringing FULL charges against them in my state as well as theirs if this matter is not immediately resolved and this debt is not immediately deleted from my credit reports. 

Here is what I am requesting for the third and final time. And just to let you know, I have records of EVERY attempt I have made with them in writing, which includes false statements they have placed on my credit reportings. No other agency is reporting false information on this account, except for TransWorld Systems, which I have clear evidence of on my credit reports. 

Among the questions I asked them, which I have attached to this complaint are as follows : 1. Copy of assignment of purchase from the original creditor. 2. Every charge and what was purchased, ie ; fee, payments, credit, interests. 3. How they calculated what they claim I owe. 4. Full chain of assignment from charge off to present. 5. Proof that they own the debt with full clear title. 6. Proof that they were on the original contract. 7. Proof that they are licensed to collect in my state. Please be reminded of XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX They never answered these questions, and did not DELETE this account from my credit being that they are not able to produce all of my requests which I have a right to obtain. In addition to that, I have attached evidence that they tried to put on XXXX XXXX that I had made a {$25.00} payment, and then suddenly removed the remark from there. They also lied saying that I was affected by a natural disaster and ; this too is untrue. I have never spoken with anyone at this collection agency to tell them this. They are the ones that put that remark on my credit reports falsely.
Consumer complaint received 2021-10-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (CA)

In XX/XX/XXXX, my husband and I ( sole cardholders of Discover Card ) received a notification from Discover Card that we owe {$13000.00}. Due to my husband 's XXXX XXXX XXXX and subsequent XXXX, we had cut our usage of credit cards, particularly, Discover Card. Our last purchases using Discover were : 1 ) Dated XX/XX/XXXX for the amount of {$200.00} 2 ) Dated XX/XX/XXXX for the amount of {$280.00} 3 ) Dated XX/XX/XXXX for the amount of {$470.00} 4 ) Dated XX/XX/XXXX for the amount of {$550.00} The above charges were all paid for by us and Discover concurred that they were paid by us. No other purchases were made by us since XX/XX/XXXX using Discover Card. 
We have NOT authorized Discover to add any additional credit card holder nor did we notify Discover of any change of address. We have lived in our residence for the past 22 years. 

Two years later after the first notification from Discover in XX/XX/XXXX and to which I replied that it is NOT our charges, we heard back from Discover via their collection agency collecting the above amount. 

This is pure intimidation and threatening on Discover Card 's part. I tried multiple times to contact their customer service XXXX number but they said they can not do it anything about it. My husband and I are both XXXX yrs old on fixed income. I don't know where else to turn. Please help us.
Consumer complaint received 2019-06-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Services Corporation, LLC (OK)

I was originally set up on auto payments through the HCS Loans website, however their system routinely failed to pull the money out on the due date so in XXXX I manually made my payment and withdrew from their auto payments. Despite their system failing to pull funds as scheduled I made all of my payments timely or within the 3 day grace window, my due date is the XXXX of every month. 

I was originally contacted by a collector on XX/XX/XXXX that once I explained that I have made monthly payments they are just being made early he ended the call. 

Since deciding to manually make my payments I have been paying at the beginning of the month. They are telling me now, XX/XX/XXXX, that their system can not recognize the early payments correctly and that I need to make two payments in XXXX to get caught up because their system reads my XXXX payment, XX/XX/XXXX, as an XXXX payment even though it was clearly made in XXXX and the XXXX payment had already been made. The representative transferred me to a manager who said that they could not credit the XX/XX/XXXX payment as a XXXX payment because the XXXX billing cycle was still in affect when i made that payment and that I need to make two payments to get caught up. 

The representative and manager both agreed that they could see monthly payments but that my XXXX payment came in to early so it can not be reflected as a XXXX payment. I told the manager that I would happily go ahead and pay my XX/XX/XXXX payment if they would go ahead and have their system recognize the XXXX payment as a XXXX payment or as not due. She said that they could not do that. She said that I am now being charged late fees ( even though the payments actually came in early ) and my account now reflects interest charges which per my contract it should not. 

I am waiting on a reply from a higher up manager but was told that it can take a while and that they will not make their system reflect the XX/XX/XXXX payment as a XXXX payment. They are crediting it as an extra XXXX payment. I also offered to from now on wait until at least the XXXX of the month to make payments to be sure that the billing cycle for the previous month was over. However the first representative told me I needed to wait until the XXXX and the manager said the XXXX but that the XXXX billing cycle ended the XXXX so they dont seem to know when their billing cycle ends. My payment history per their website is below. 

They are now, XX/XX/XXXX, telling me that even though the payments are clearly made monthly that I am behind because my XXXX payment was too early to be credited as a XXXX payment. 

They are trying to collect an extra payment from me even though I have made a payment every month and are now trying to charge me additional fees on top of that. My first payment was due in XX/XX/XXXX. 

Payment history per their website : XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00} XX/XX/XXXX {$170.00}
Consumer complaint received 2020-11-16
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: JPMORGAN CHASE & CO. (CA)

I have two complaints already in with the CFPB stemming from the same issue, complaint nos. XXXX and XXXX. I have to open up a new complaint because the complaint portal won't allow me to add information. But, this is required. 

My new scores are as follow XXXXXX/XX/XXXX, XXXX from XXXX, operated by XXXX XXXX. I'm glad JP Morgan Chase is one of previous parties on the first complaint, because I see credit inquiries on XXXX  that from Chase but I have absolutely no idea where it is originating from. 

Something needs to be about the sensitivity of these scores. I believe my score went down from the original reported of XXXX to XXXX for unjustified reasons. I've said this before to the CFPB, regardless of what reporting company I log into, I see that half of my credit inquiries aren't acknowledged or recognize. And this doesn't become an issue until one gets denied credit for that specific reason. And I am at that stage now. 

XXXX XXXX XXXX  reported my credit limit over on XXXX dollars, and it's probably done immediately prior to me making any payments. I make my monthly payments and have no knowledge that they did something. 

With the number of my open accounts and my billing routine, I can tell you that my credit usage is high but I most certainly shouldn't be categorized as poor or even a fair score. These credit cards marketing applications are not properly sourcing their reports, third party companies are running random credit inquiries, and furthermore, it could done predatorially. 

I find XXXX  to be the least obtrusive credit reporting company, however they still go the extra mile and ask consumers to link their bank accounts. I am banking with XXXX XXXX and that connection between the two companies does not link easily and who knows what security might get breached as a result.

Credit Reporting companies need to avoid particulars. I wouldn't have so many credit inquiries if these pre-approval offers weren't considered sales by networking professionals. 

My score is XXXX ... my inner conscience tells me this. And isn't that what we are really struggling with, conscience.
Consumer complaint received 2020-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC (MI)

Received a letter from Dynamic Recovery Solutions for a debt. I do NOT know who the Original debit is from. I do NOT owe this debit. Past STATUE OF LIMITATION! Have NO clue where this debit come from. This is a 3rd Party who bought this for XXXX  's on the dollar to collect a old debit that is PAST STATUE OF LIMITATION!