davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

Hi, Jefferson Capital Systems , LLC- has violated my rights. They have place a debt of {$350.00} collection notice on my credit report which is hurting my consumer credit report. I have requested from them via phone and certified mail to send me the Original Purchase Agreement for this Alleged Debt. The original purchase agreement which should have all the terms and conditions that are in this debt. They never provide the requested information. They never responded. Jefferson Capital Systems , LLC can not provide proof that I owe this debt of {$350.00} and that they are now owner of this debt. They have harassed me over and over they have called me repetitively via phone calls from morning until night. This is very stressful and hurt me mentally, it hindering me and my family financially because its on my consumer credit report. In accordance with the Fair Credit Reporting act Jefferson Capital Systems , LLC violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Jefferson Capital Systems , LLC as has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Please help.
Consumer complaint received 2021-05-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diverse Funding Associates LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX and DNF Associates LLC in the last few months have persistently threatened me in regards to a debt they claim is due in the amount of {$720.00}. When I contacted the original creditor XXXX XXXX they do not have any documentation of a debt owed and my account was closed in 2014. Also, XXXX XXXX sent me {$98.00} due to money remaining in my closed account back in 2014. The stated collectors are pursuing a false debt and beyond Ohio statue of limitations and violating FDCPA rights for harassment. Said parties stated that they will renew the statue of limitations and file a lawsuit if not paid within 30 days.
Consumer complaint received 2022-05-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I HAVE DISPUTED WITH 3 BUREUAS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS US XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 I DO NOT RECOGNIZE THESE INQUIRES. THE 3 BUREUAS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.
Consumer complaint received 2022-08-06
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. (MI)

On XXXX XX/XX/XXXX XXXX XXXX responded to CFPB complaint XXXX stating : " Your account was charged off on XX/XX/XXXX and we are no longer sending you billing statements. '' However, the collections agent XXXX XXXX assigned stated " Your account was recalled by XXXX on XX/XX/XXXX ; '' That is, XXXX XXXX XXXX XXXX account knowing full-well a billing investigation had not been conducted. Yet, without conducting a billing error invesigation, XXXX XXXX allegedly charged-off the account on XXXX XX/XX/XXXX. Under 12 CFR 1026.13 Billing error resolution XXXX XXXX was to have conducted a billing error investigation. They did not. Moreover, 12 CFR 1026.13 ( 2 ) states that Adverse credit reporting is prohibited. " The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. '' What XXXX XXXX did was conduct a billing error investigation post-facto, and then commenced furnishing negative payment history to the CRAs around XX/XX/XXXX. I have had to have it removed when I've caught it. Unfortunately, XXXX XXXX began reporting payment history again to the CRAs in XXXX of XXXX advancing deliquency status by XXXX ( XXXX ) days but have failed to send me a bill. It is incohate for a charged-off account to both be charged-off and past-due, advancing the adverse payment history every thirty ( 30 ) days. Finally, screenshots from XXXX XXXX website celarly show that out of the total outsanding balance only around four-hundred dollars is allegedly past-due, which is consistent with the adverse history furnished to the CRAs. Since XXXX XXXX is clearly furnishing payment history to the CRAs, while amditting they are no longer sending me statements, '' I am asking for the CRAs to remove the account/tradeline for this accout because the account history remains incohate due to the post-facto billing investigation. They have chosen not to comply with Federal law regarding Regulation / TILA, billing error investigations under 2 CFR 1026.13, collection practices under FDCPA, and data furnishing responsibilities under the FCRA.
Consumer complaint received 2022-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (DE)

Called and mailed fXXXX XXXX XXXX XXXX several times they wont allow me to pay off my balance due to a spouse steeling my credit card but I have gotten nowhere everyone I talk to Is disrespectful They are saying I need to get in contact with the third-party company that took over Ive been having no luck For months now The last investigation drop my credit score XXXX points Im in the process of trying to get a house for my kids Yes this account should be disputed
Consumer complaint received 2022-06-12
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. (MO)

I have continue to contact the three credit bureaus XXXX XXXX XXXX and Experian about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.
Consumer complaint received 2020-11-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (GA)

Midland Credit Management is attempting to collect a significant amount of {$950.00}. This is an outrageous and horrendous amount since I don't owe them that much. I called them and a representative told me this onXX/XX/XXXX. I believe this is coercion because they have also threaten to sue me for the deceptive amount via mail. They have also attempted numerous of times in unwanted times of the day to call me in attempt to collect this fraudulent amount of debt. I believe this is in direct violation to the Fair Credit Reporting Act because of inaccurate amount and the huge count of unsolicited calls made to my personal phone line by this collection agency. They also fail to report the collection to the three major credit bureaus when this account got sold into collections back in XX/XX/2020. This is more than the 90 day period it takes for it be reported as collections.
Consumer complaint received 2022-06-27
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (VA)

Sallie Mae has provided me no grace period for my loans. After complaining multiple times, I was still not given an answer. I graduated school in XX/XX/XXXX to which the next month I began to get charged. I called before I had a balance to which I tried to see if there were any programs that I could enroll to defer. I am unemployed. I could not make payments and they gave me no way to pay them time and time again. In XXXX, I was told that I had to provide proof I was in school in XXXX, which I did. I provided both my transcripts, school clearing house records through fax and via secure document portal. I had to borrow money from family to not go into default. They continued to charge me monthly. They could never answer my question regarding, my grace period. They have never tried to give it to me and continue to harass me day, night and day after day with emails and calls. It comes to the point of where I can't even answer my phone if jobs are calling me because of the harassment. In XXXX, they tried to sign me up with this repayment program of where you only pay interest because it was the only option given to me. They would still send emails and calls harassing me, they have even tried to take out money before it was due. They don't allow you to make custom payments on their website. They don't allow you to send payment with a card. They only allow payments through a bank account, with total amount due. I spoke to multiple employees ; Where I have recorded multiple conversations and I have a bunch of their employee numbers.As of XX/XX/XXXX, their employees and supervisors lied. I was told if I paid with borrowed money I would be eligible for a forbearance. My account was made current. I talked to XXXX XXXX and XXXX XXXX XXXX ( lied about her name )! They told me that after my payment, I could have forbearance. Now the supervisor XXXX XXXX said the FDIC doesn't do forbearance and they can't help me. She had no resolution for their improper practices.
Consumer complaint received 2020-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (MI)

I have filed a complaint on numerous occasions against credit acceptance with XXXX. The account shows to be opened and credit acceptance is reporting the account is missing payments every month but the vehicle was voluntarily surrendered by me and sold by credit acceptance in XXXX of this year. XXXX from the complaint department has been handling my complaint. She is very unprofessional, not knowledgeable at all and refused to get me a supervisor when I demanded one several times on more than one day. Everytime I call credit acceptance they route me to XXXX and its unbelievable that someone so incompetent of their job is handling my complaint in the first place when I have asked for supervisors who are more knowledgeable of this situation. I no longer have the vehicle it was sold in XXXX the account is suppose to report CLOSED due to voluntary repossession. XXXX stated that there is nothing that they can do and to contact XXXX. XXXX  stated that I have to contact credit acceptance. No one is helping me. This is my 2nd complaint.
Consumer complaint received 2021-12-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (UT)

On Tuesday XX/XX/XXXX I called Citi Bank for support on my credit card. 

The representative laughed at me, told me he couldnt provide the info I was requesting. Upon asking for a supervisor they continued to laugh. Told me theyre done with me and transferred me back to the queue. 

This person has access to ALL of my private info and still refuses to help. They laughed, mocked that I was out of state for a funeral and then essentially hung up by transferring me. I can only assume theyre stealing identities as they are clearly not being a customer service rep. They claimed they couldnt help with any of my XXXX  requestsAnd did everything in their power to escalate the situation like laughing at me, refusing to connect me to a supervisor. Refusing to provide a 10 day pay off and the address for check payments. 

The next representative assisted with all XXXX requests. This is clearly a problem with a representative that is not going to be addressed.
Consumer complaint received 2021-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately.

My only address is : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX All the other addresses are not valid and each one has to be deleted from my credit file. 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately.

The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : 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
Consumer complaint received 2021-11-29
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. (FL)

My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/XXXX, XXXX and XXXX of 2021 I contacted transunion to notify them that the social security number reporting on my credit report was incorrect/or an error but it has yet to updated
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Entry on report for " XXXX '' with a balance over {$2000.00}. This account was discharged through a chapter XXXX bankruptcy in 2019. I have provided all three bureaus the discharge paperwork and am also attaching it to this complaint with XXXX highlighted three times. There is a XXXX  balance on this account yet it has been reporting as balance due for years. I have submitted disputes to the bureaus but because they don't read my correspondence and instead use computers, they aren't seeing what I'm saying and are auto-verifying. I can not get a mortgage while this erroneous balance exists on my report.
Consumer complaint received 2022-09-18
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CA)

Rocket Mortgage ( loan officer XXXX XXXX ), formerly Quicken Mortgage, was the victim of likely mortgage fraud resulting in the theft of my equity interest in my home. Without my knowledge, my father in law sold my husband our home, declaring my husband an " unmarried man '' according to the Deed of Trust dated XX/XX/XXXX. My husband then took out a loan with XXXX XXXX to buy our house ; he declared on the loan documents that he was single. As a result of my husband 's intentional misrepresentations, the deed to our home only lists my husband 's name, lists him as an unmarried man, and lists him as the sole owner of the property. My spousal property rights have been denied. 

I spoke to Rocket Mortgage about the matter around XX/XX/XXXX, however, they were unapologetic and they were unwilling to honor the public fiduciary duties by reporting the fraudulent loan to the FBI for investigation and prosecution. 

I am writing to you to complain about their lack of interest in protecting consumers from having their assets swindled ; the public should carefully consider doing business with this company. 

Please contact me for further details.
Consumer complaint received 2021-08-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (SC)

My account was not working with Fed Loan Servicing so I reset my password and wrote it down and saved it to my phone. I paid off some if my loans and the payments have not been reflected on my credit report. I tried to log into my account to print out my documents and see if the payment updated, but my account will not log in again. 
Fedloan Servicing recently announced they are not renewing users ' accounts which is unfair to allow me access to my account and information. I did not and do not give them permission to send my information to the bureaus nor to another loan servicer since information can be transferred inaccurately and payments that I have paid may not be reflected.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc. (NY)

This is the second time this bank has closed an account after they have provided a line a credit. First it was on a Wayfair account, then a couple of weeks later they offered another credit card through BJ XXXX XXXX I have made payments and charges on this card They now have closed that account on XX/XX/21 for no reason and have refused to provide any answer 's to questions. This has had an have impact my credit
Consumer complaint received 2022-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY (WA)

On XX/XX/2022 I used my American Express card at XXXX XXXX XXXX in XXXX, WA. XXXX XXXX XXXX charges a {$0.00} fee on all credit card transactions. The restaurant does not disclose this fee before charging the customer. There is no written notice anywhere in the restaurant and no verbal notice. I asked for a refund of this fee but it was refused.
Consumer complaint received 2022-02-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-05-07
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: Asset Management Outsourcing, Inc. (SC)

I received a response that violate my HIPAA rights. The collector did not provide me with a HIPAA release form that releases my medical information, therefore, by providing such information is a violation to my HIPAA rights. I'm proceeding with legal action prescribed HIPAA and i urge you to take it as serious as i have.
Consumer complaint received 2022-08-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

First off let me state that is and has been violating my consumer rights for years By committing fraud and extortion on my and my consumer credit report by committing these violations and after being repeatedly being notified of there willful non-compliance and refusal to take action as outlined in the FCRA FDCPA and removed account from consumer report with the consumer reporting agencies. 

VIOLATION OF 15 USC 1681S-2 ( a ) ( 1 ) ( A ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) VIOLATION OF 15 USC 1681s-2 ( a ) ( 5 ) This account 1st went delinquent well over 7 years ago which is now beyond its reputability An example of these violations enclosed from a recent consumer report showing these violation as being reported by XXXX. 

The non-reporting and inconsistent reporting of the day of first delinquency Reporting of payments being made by consumer continually well after collateral was in repossession and sold, Also reporting the very fact of payment history different and inconsistent amongst the consumer reporting agencies. 

XXXX was made aware and put on notice about this numerous times and at this point its just willful non-compliance of the law and negligence and defamation upon me, because this defamatory and inaccurate information was distributed to other entities uncorrected.