davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Luckmore Finance (MS)

XX/XX/2021, I mailed out a Affidaivt of Truth ( AOT ) and a Cease-and-Desist Collection Activities to XXXX XXXX XXXX and Luckmores register agent XXXX XXXX. Inside of the AOT, I pointed out how Luckmore has violated several of my federally protected consumer rights. Throughout this entire account period Luckmore as use unfair practices in order to collect on the debt. Luckmore has threaten to file sue as well as garnish my wages, with no intentions on doing so, which is a clear violation of 15 USC 1692e ( 4 ) and 15 USC 1692e ( 5 ). Pursaunt to 12 CFR 1041.7 Luckmore has charged my debit card without my permission on several different occasions which has caused my account to become negative due to insufficient funds available. I have spoken to the CEO regarding this matter on XX/XX/2021 ( on a recorded line of my own ), and after expressing my concerns with him about the unfair and abusive practices, Luckmore placed a hard inquire on my credit report not even one minute after speaking with XXXX. Luckmore uses fake phone numbers to call me in order for me to pick the phone. XXXX has called me from a ( XXXX ) area code number which is the same code where I reside. Luckmore Finance is located in XXXX and XXXX XXXX Louisiana. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Luckmore has placed several late payments on to my credit report which is a clear violation pursuant to 15 USC 1666b. Also, I NEVER gave Luckmore any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b.

Luckmore has cause severe stress and anxiety due to the abusive and unfair practices. When I see an email or phone call from Luckmore, I so afraid that theyll add additional adverse actions to my credit report which is causing me to NOT get approve for my home loan.
Consumer complaint received 2022-09-20
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: EQUIFAX, INC. (MS)

I have tried to contact XXXX XXXX, XXXX on numerous occasions ( XX/XX/XXXX @ XXXX spoke with a XXXX XXXX and a supervisor XXXX XXXX both forwarded me to credit dispute team member and they asked me to go to exeterfinance.com. ( XX/XX/XXXX @ XXXX spoke with an XXXX XXXX she stated that the dispute team had started a dispute and it would be completed and sent out within 30 days ). 

As of today, I have not received any information, emails, or calls in regards of a request to remove this account because it is out of the Mississippi Statute of Limitations. 

In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). 
This account was charged off and sold in XX/XX/XXXX.
Consumer complaint received 2020-11-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (PA)

I try to use on line banking as much as possible. I scheduled a bill to be paid electronically in XXXX. It was to be delivered by XX/XX/XXXX. It was due XX/XX/XXXX. I received notification on XXXX that it was not able to be paid electronically and they had sent a check. It said the funds could be taken out of my account before or after XX/XX/XXXX. 
Payment not received yet on XX/XX/19. 

Contacted PNC and they did not mail payment until the XXXX. Said they did not know about the problem until that day, but in actuality. according to their email, they knew on the XXXX. 

This is the third time this has happened with PNC
Consumer complaint received 2022-12-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

I filed a fraudulent item claim on my Wells Fargo debit card account as I had incurred thousands of dollars worth of charges that were not authorized by me. 

I got a letter from Wells Fargo only 4 days after my claim was opened, that they closed the claim because they determined the charges to be authorized, this was not the case and Wells Fargo has given me no option to call in or ask for another review of the charges. 

I would like my account reimbursed and the charged disputed correctly.
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 — Account information incorrect
Company: CITIBANK, N.A. (TX)

I had a Macy 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact Macys as well as dispute the account with XXXX and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When XXXX  reaches out for validation they respond that all information is correct and continue to update the account on my report.
Consumer complaint received 2021-03-14
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: The Law Offices of Mitchell D. Bluhm & Associates (OH)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I had a XXXX 's account that was open XX/XX/2015. No payments were made and the account was closed. Currently reporting that payments were made and incorrect close dates. I have attempted to contact XXXX as well as dispute the account with Experian and the debt continues to come back validated. When I inquire about the account I am sent to an address for customer care because the account is so old they are unable to pull up any information on it. The account is reporting as a balance unpaid when they report that they charged off the debt and transferred it. When Experian reaches out for validation they respond that all information is correct and continue to update the account on my report.
Consumer complaint received 2022-06-10
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. (GA)

On several occasions I requested that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX be removed from my credit report. By unlawfully applying interest charges that were not authorized, XXXXXXXX XXXX XXXXXXXX XXXX XXXX, a debt collection agency, used ambiguous, misleading and abusive means to collect a debt. XXXX XXXX XXXXXXXX XXXX XXXX, a debt collection agency Failed to name the original creditor as requested, Failure to provide date of original debt, first missed payment that led to the charge-off. When I contacted XXXX XXXX  XXXX XXXX XXXX, I was informed that the changes in debt amount was due to interest and fees. When I requested information on the original creditor from XXXX XXXX  XXXX XXXX XXXX, the only referred to the company as " client, never releasing specific information so I could validate and research the account. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX  XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out lawsuit that XXXX XXXX  XXXX XXXX XXXX, loss due to these unlawful practices the Credit Reporting Agencies allowed XXXX XXXX  XXXX XXXX XXXX, to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. Below is just some of the information that causes me further harm. 
XXXX XXXX  XXXX Reported : XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX AND XXXX Reported : XXXX XXXX, XXXX {$1400.00} XXXX XXXX  XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX AND XXXX Reported : XXXX. XXXX, XXXX {$1300.00} XXXX XXXX  XXXX Reported : XXXX XXXX, XXXX {$1200.00} XXXX XXXX  XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e Falsely representing that they were entitled to charge an amount they were not entitled to in violation of 1692e ( 2 ) ; Threatening to charge a fee in which they were not legally entitled to charge in violation of 1692e ( 5 ) ; Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX  is removed from all Credit Reporting Agencies immediately
Consumer complaint received 2022-07-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN ADJUSTMENT BUREAU,INC. (CT)

XXXX XXXX is charging me {$190.00} because I saw a XXXX  outside the hospital. I was never notified before hand that there was going to be this charge. I knew the charge to be {$200.00} for an office visit but I was never told that there would be a charge of {$190.00} because I was seeing the XXXX off campus. I have sent them numerous coorespondence that I refuse to pay this and I have now been contacted by a collection agency American Adjustment Bureau. Please see attached.
Consumer complaint received 2022-09-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OPORTUN FINANCIAL CORPORATION (KS)

It began on XXXX XX/XX/2022, I made a call after I got paid in order to pay off the remaining loan. It was an automated system and told me that the remaining amount was over {$570.00} which I paid and it was processed on XXXX XX/XX/2022. At the beginning of XXXX I received a notification that I had to pay a minimum payment of {$97.00}. So I called to find out why, since I thought I had paid it off. They told me that the payment had been returned due to insufficient funds. I went to my bank because my statement said that it had gone through and wasn't returned. The representative showed me that it had gone through and not been returned. I called Oportun again, while at the bank. After about XXXX hours of debating it and their incessant eruption of the minimum amount due and that my account was in good standing, they finally asked me to send my bank statements reflecting the payment to hello@oportun.com, to which I sent it. I called later and someone else answered and I had to go through the whole thing again because they said that they hadn't received it and then told me that that was not the correct email. They told me to send it to XXXX, to which I sent it again. Later I received a call saying that my minimum payment was past due and I called again. After about another hour or so, they they told me that they hadn't received it and they were going to transfer me to their supervisor. Then they told me that their supervisor told them that they were the one I was supposed to talk to. I was told that I would not have to worry about the late fees because they were looking into it and it would be another XXXX days. After that time, they called again to say that my minimum payment was due. I explained again what the situation was and then I was told that a payment for over {$590.00} was processed at the end of XXXX but was returned on XXXX XX/XX/2022. I never initiated that payment because I had thought the debt was done with. I asked for copies of my payment history and the original contract. The representative said he would email it to me and promptly hung up. I never received it. I did receive a letter in the mail, stating that they were not obligated by law to provide proof, but as a courtesy they said they included the payment history and original contract, which was not enclosed with the letter. I received a call this morning which I was unable to answer, but called back shortly after and explained everything again. I asked for these things to be sent to my email, while I was still on the phone so that I could be sure to receive them. They explained that it would take XXXX hours. I told them that was unacceptable due to what has been happening and they said that there was a problem with the verification process on their computer and he would have to talk with his supervisor. I was on hold for almost an hour and then the line was disconnected. The issue still has not been resolved.
Consumer complaint received 2021-04-28
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. (CA)

As per the previous CFPB complaint ID # XXXX, Experian continues to report bankruptcies without validity to the true source of the certifying company. Per CFPB trade law this is a requirement. Experian 's response to the previous complaint is as follows : The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details ( see report results attached ) Additionally Experian.com states XXXX XXXX XXXX XXXX XXXX XXXX is a provider of bankruptcy information to Experian ; XXXX : XXXX Therefore I have also contacted XXXX and no such information has been certified as per Experian stating that it is accurate information ( see attached ) I am again requesting that all bankruptcy items be removed from my credit report immediately. If needed, the case would need to be transferred to the FTC. 

Reference CFPB complaint ID # XXXX filed XX/XX/2021 : After sending several letters to the credit bureau requesting verification of the bankruptcy being reported on my consumer report, they continue to reply that the bankruptcy has been verified by the company and continue to report it. I contacted the US Bankruptcy Court and spoke with XXXX XXXX ( I will attach that, see attached ). XXXX XXXX stated that they do not report information to the credit bureau, and they do not verify this information. According to the law that governs the FDCPA, to verify a debt or bankruptcy, you can not verify a bankruptcy through a third party, in such, it means that obviously that the agency is getting their information from a 3rd party which is not legal for reporting. I am requesting all bankruptcy related items be removed from my credit report promptly. Because I have made this known to the credit reporting agencies, they are willfully and neglectfully reporting this information.
Consumer complaint received 2023-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

In accordance with the Fair Credit Reporting act : XXXX from XXXX XXXX XXXX, 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 an account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt
collectors.
Consumer complaint received 2021-05-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc. (NY)

IC SYSTEMS is attempting to a collect an invalid debt from 2019 from the consumer although consumer is still an active customer of the original internet service provider XXXX with no payments due or owed and in good standing. Consumer is a victim of identify theft. CREDIT HAS BEEN RUINED. IC SYSTEMS is liable for failure to validate debt and damages to reputation, etc. Immediate resolution and updates to the 3 major credit reporting agencies, removal of any such reported debt required.
Consumer complaint received 2022-06-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY (MD)

I was a victim of fraud through a phone call scam. The scammer asked me to send money through XXXX. After the money was sent, I realized that this was a scam and I called Wells Fargo immediately to inform them. I also filed a police report with the XXXX XXXX police department. I have filed a few claims with Wells Fargo since they are declining to refund the money to me. I also have a letter from the Attorney General stating that my situation was a fraudulent scam. Before I get lawyers involved and go to small claims court, I am submitting another complaint that includes actual verbiage from the EFTA as to why I am protected as the consumer and why Wells Fargo needs to refund the money in order to oblige by the FDIC and EFTA. Here are a few exerpts that I have copied and pasted regarding " unauthorized '' transactions and what that is defined as. There is an argument based on the plain language of Regulation E that since the consumer has " furnished the access device '' to the third party, the transaction may not qualify as an unauthorized EFT. However, the official interpretation of Regulation E provides the contrary answeran unauthorized EFT includes any transfer initiated by a person who obtained an access device through fraud, robbery, or force. My situation falls under fraud! Wells Fargo tried to also say that I could have called the sheriff 's department to verify the information that was being given to me. I said, " the phone call came from the police department and the person told me his name and I googled and it was in fact the name of a XXXX XXXX sheriff, so why would I call them if I think I am on the phone with them ''? Not to mention, it is actually illegal for Wells Fargo to say that I should have done something like that!! The CFPB made clear that a consumer is entitled to receive the liability protections of Regulation E, even if that consumer acted negligently. The EFTA is regulated and enforced by the Consumer Financial Protection Bureau ( CFPB ). This US government agency has made it clear that when scammers access accounts by fraud or robbery, the resulting transactions fall into the unauthorized category. The CFPA confirmed that the EFTA protects consumers who have been swindled and the Act requires investigation and reimbursement according to its terms. When a consumer is tricked or manipulated into allowing access to their account, all related transfers are considered unauthorized.
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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since 2020 Ive been disputing these incorrect bankruptcies reporting on my credit reports. Its unconstitutional that the people who protect and serve this country get treated like this. These inaccuracies are destroying my credit and keeping me from doing the simplest things to provide for my family. I have been going back and fourth with the bureaus since early 2020 I have asked courthouses do they share information with the credit bureaus they told me NO, Ive disputed with XXXX stating that the information is inaccurate which in return they were deleted from XXXX. I have sent these corespondents to the bureaus and in return they keep telling me the information is verified with no supporting documentation to show. Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. C. 1681l ) and the information must be deleted immediately!!!
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 — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Since 2020 Ive been disputing these incorrect bankruptcies reporting on my credit reports. Its unconstitutional that the people who protect and serve this country get treated like this. These inaccuracies are destroying my credit and keeping me from doing the simplest things to provide for my family. I have been going back and fourth with the bureaus since early 2020 I have asked courthouses do they share information with the credit bureaus they told me NO, Ive disputed with XXXX stating that the information is inaccurate which in return they were deleted from XXXX. I have sent these corespondents to the bureaus and in return they keep telling me the information is verified with no supporting documentation to show. Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. C. 1681l ) and the information must be deleted immediately!!!
Consumer complaint received 2020-10-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I received a call from Amerisave Mortgage after requesting rates from XXXX XXXX. XXXX XXXX eventually disclosed I would have to pay an upfront non refundable {$500.00} application fee. When I questioned him, he said it was an appraisal fee. I told him verbally and via text on XX/XX/2020 I did not want to proceed with the loan. To date, I have received a copy of a credit report I did not authorize him to run and numerous request for documents. I respond to his emails asking him to stop processing a lone for me. I also follow up with a phone call and leave a message. Today I received a call from my employer informing me Amerisave is trying to confirm my employment. Please help.
Consumer complaint received 2023-03-29
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: SYNCHRONY FINANCIAL (CA)

XXXX XXXX, XX/XX/XXXX, WAS NEVER AUTHORIZED XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX, BOTH WERE NEVER AUTHORIZED XXXX XXXX XXXX XX/XX/XXXX, was never authorized