davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXXXXXX, 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.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC (NV)

Dear Consumer Financial Protection Bureau ( CFPB ), I am contacting you regarding multiple fraudulent accounts reported under my name that I do not recognize or authorize. Despite my repeated attempts to address this directly with each financial institution involved, I have not received adequate support or resolution, leaving me vulnerable to potential financial harm and impacting my credit. 

The accounts in question were opened without my knowledge or consent, constituting identity theft and fraud. I have taken all possible steps on my end to dispute these accounts, but each institution has failed to investigate or address these issues fully. As a result, this has placed undue stress on my financial standing and personal reputation. 

I request that the CFPB take action to investigate this situation thoroughly. I am seeking assistance in having these fraudulent accounts permanently removed from my credit history and preventing further reporting of unauthorized activity under my name. 

I am committed to providing any documentation or additional information needed to support this case and protect my rights as a consumer. Your assistance in resolving this matter swiftly and effectively is urgently needed. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (NY)

In according to the fair credit reporting act this creditor has violated my rights.

under 15 u.s.c 1681 section 602 state I have the right to privacy. 15 u.s.c 1681 section 604a section 2 It also states a consumer reporting agency can not furnish an a account without my written instructions under 15 U.S.C 1666B a creditor may not treat a payment on a credit card account under or open An consumer plan as late for any purpose
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO. (DC)

I was looking for a bank that was more accessible to me and found two that were in the same block of XXXX XXXX XXXX, Washington DC. I made a decision that that would be JP MorganChase Bank because they were offering a {$300.00} reward via a post card in the postal mail. This offer expired on XX/XX/XXXX, so I opened my checking account on XX/XX/XXXX and gave the bank representative, XXXXXXXX XXXX, the card I received in the mail. He looked at it and then gave it back to me and said to hold onto it. In order to receive the {$300.00}, you also had to have a direct deposit to your account within 90 days after opening the account. I met all the requirements so on Monday, XX/XX/XXXX, I met with a bank representative, XXXX XXXX XXXX, at the bank at XXXX XXXX XXXX XXXX, Washington DC, to inquire about my {$300.00}. I had my postcard with the verification number on it. She made a copy of it after she conferred with her manager and I was told that there was a problem because XXXX XXXX had not linked my account with the reward verification number and there needed to be an investigation because the reward expired on XX/XX/XXXX. I left thinking that it would be approved, because as they agreed, I had done my part, and it was just an error of the bank. On Friday XX/XX/XXXX, I heard from a woman investigating my case and told me it was approved. When I didnt see the {$300.00} on my account, I called customer care again and was told that it was NOT approved, and she didnt see any notes that I had talked to anyone else. When I asked her if she was the last word, she said yes. So this is where we are. 

Im wondering if this is a scam or what. When I was told it was approved, I stupidly threw the card away, but they are making that offer again that expires in XX/XX/XXXX. I feel like I was duped and wonder if Im not the only one. I am definitely moving on from this bank.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC. (MI)

I am filing this complaint against Midland Credit Management ( MCM ) for violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On [ Date ], I filed a CFPB complaint against MCM regarding [ Briefly state the nature of the original FCRA violations ]. Since filing that complaint, MCM has : Refused to engage in any communication with me : I have attempted to contact them via phone and fax since XX/XX/year> but they have not responded. This refusal to communicate violates the FDCPA, which requires debt collectors to cease collection activities during a dispute. 
Continued to report inaccurate information : MCM is still reporting fictional 120-day late payments, and incorrect delinquency age to the credit bureaus, despite my dispute. 
Continued collection attempts : MCM is still attempting to collect on this debt, despite the disputed information and their refusal to communicate. This is also a violation of the FDCPA, as they are required to stop collection efforts while a debt is in dispute. 
Under the FCRA, I have the right to dispute inaccurate information on my credit report. Furnishers of information, like MCM, have a legal obligation to investigate disputes and correct inaccuracies. Their refusal to communicate and continued reporting of inaccurate information is hindering my ability to exercise my rights under the FCRA. 
Furthermore, the FDCPA prohibits debt collectors from engaging in deceptive or unfair practices, including continuing collection efforts on a disputed debt. By ignoring my dispute and continuing collection attempts, MCM is violating my rights under the FDCPA.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC (NM)

A collection showed up on my XXXX report from SEQUIUM ASSET SOLUTIONS, L XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  for a debt that is not mine. I called Sequium, and they told me they had NO collections in my name under my social security number. I also filed a dispute with XXXX today.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA (CO)

Throughout covid and beyond i haven't been able to make more than a minimum and then interest is through the roof my payment goes through and interest is more than my payment. apple and Goldman refuse to help in any compacity.
Consumer complaint received 2020-10-19
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. (KY)

I am submitting this dispute because Equifax Credit Information Services , Inc., credit bureau has violated FCRA laws 611 ( a ) ( 6 ) and ( 7 ) ; " As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. ", by not providing the consumer with the requested information at all.

Equifax Credit Information Services , Inc. has also violated FCRA law 609 ( a ) ( 1 ) ( A ) ; " you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. '' The Equifax organization is in violation of this law due to the simple fact that they have not followed it and has yet to produce an original signed contract through physical verification There has been repeated attempts to correct this error in their reporting, but it appears they are refusing to follow the law which is very clear in what it states. Attached, you will find my most recent requests. At this point, my counsel is prepared to coordinate with a representative from the counsel of Equifax Credit Information Services , Inc.
Consumer complaint received 2024-10-25
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC (FL)

On XX/XX/year>, Fay Servicing responded to my complaint # XXXX. However, they have yet to address my primary concern regarding when and why my FHA loan was purportedly converted to a conventional loan. At no point did I sign or agree to any change in the loans terms, nor was I notified of such a conversion. Without my explicit agreement, the loan you currently manage is not my original loan, as I did not authorize or initiate any conversion from FHA to conventional terms. Rebranding this loan with a new loan number and claiming it as conventional, without my consent, constitutes identity theft. 

The discontinuation of FHA insurance does not equate to a conversion of the loan from FHA to conventional terms. The FHAs 601 Accelerated Claims Disposition ( ACD ) program, also known as the Joint Venture or Note Sales Program, does not automatically convert an FHA loan into a conventional loan. Instead, the ACD allows FHA to sell delinquent loans to private investors to resolve these loans outside FHAs insurance framework. Once the loan is sold, it no longer carries FHA insurance, and the investor can then explore various outcomes, such as loan modifications or even foreclosures, based on the terms of sale and neighborhood stabilization requirements. 

However, this sale to an investor under ACD does not constitute a refinancing process or imply that the loan has been converted from FHA to conventional. For a loan to become conventional, a formal refinance process must occur, where new loan terms are explicitly agreed upon between the borrower and the lender, and FHA insurance is formally removed. The ACD program is designed to provide flexibility in managing defaulted loans but does not inherently alter the loan type from FHA to conventional. 

The Distressed Asset Stabilization Program ( DASP ) similarly provides FHA the ability to sell severely delinquent loans to investors who aim to stabilize the property and neighborhood. This program allows investors the flexibility to offer borrower assistance programs, such as principal reduction or interest rate limits, to help avoid foreclosure. However, DASP does not convert an FHA loan into a conventional loan ; it simply transfers ownership, allowing the new loan holder to assess modification options as part of stabilization efforts. 

For further details, the HUD website and related program fact sheets provide an in-depth explanation of both the ACD and DASP programs and the responsibilities of investors under these programs. 

Your response lacks a specific timeline, justification, or documentation evidencing my consent to this alleged conversion, which remains central to my inquiry. I request this documentation and reiterate that no consent has been given to rebrand or change the loan to conventional terms.
Consumer complaint received 2024-10-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (NC)

On XXXX I contacted Aspire Credit Card Company about our late payment. Our credit limit is {$300.00} on this card and they had racked up lates fees of {$180.00} which I hoped they would negotiate. The rep that I spoke with was very rude and would not help. I have serious health issues in our family so I told him that I would contact him at a later date as I had other bills to pay. I DID NOT authorize any payments on this account. This account had been CLOSED per the rep. On XXXX Aspire sent a payment thru my checking account for {$310.00} which my bank paid but I am overdrawn and getting fees. I spoke with Aspire this morning to tell them I had disputed this payment and asked them to reverse it. I was transferred to three different depts without resolution. This is my second complaint on this company, frankly they should be out of business for their shady practices but instead the consumer is hurt. Please help
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have Child Support with XXXX XXXX XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus is required to verify for themselves, but they failed to neither verify nor update me about this complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX  shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : {$2300.00}
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I AM RESPONDING TO THE COMPLAIN NUMBER CFPB # XXXX THAT YOU CLOSED ON XX/XX/XXXX WITHOUT ANY INVESTIGATIONS. THIS IS NOT A DUPLICATE COMPLAIN AND ITS SEND BY ME XXXX XXXX XXXX AND AUTHORIZED BY ME XXXX XXXX XXXX XXXXDONT IGNORE THIS COMPLAIN, BUT INVESTIGATE, AND TAKE ACTIONS***** I HAVE ATTACHED THE FOLLOWING INFORMATION AND DOCUMENTS YOU REQUESTED. I ATTACHED THE DRIVING LICENSE AND ONE COPY OF THE UTILITY BILLS, ALONG WITH OTHER DOCUMENTS. 

NAME : XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX  # XXXX. This account was charged off in XXXX. Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. These are the Violations of the Fair Credit Reporting Act. 1. Delete this account, because it shows Balance {$6.00}. A Charge Off/Close Account must show {$0.00} balance. 2. Delete this account, because it shows a Past Due Amount {$6.00} and a Charge Off/Close Account must show {$0.00} Past Due. 3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XXXX, XXXX ; XX/XX/XXXX ; XX/XX/XXXX year ; XX/XX/XXXX year ; XX/XX/XXXX year. Late payments reported - 30 days late XX/XX/XXXX ; 30 days late XX/XX/XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX, shows 46 charges offs. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 4. Delete this account, because it shows credit limit {$6000.00} on a charge offs close account. Please delete this account, and send me a new report. I need to apply for a mortgage in 2 months and this is an urgent matter. I have attached my Experian Credit Report and circled the violations, Experian violated in red color. Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction ) on your behalf may result in a small claims action against your company. I would be seeking  {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act
Consumer complaint received 2023-09-08
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Received a notification from the Credit Bureau ( XXXX ) on a request from Bank of America to open a travel rewards credit card on XX/XX/2023. I immediately put a freeze on the 3 credit reporting bureaus as it was fraudulent. I then notified Bank of America and followed their instructions to submit an application ( which they were mailing out ), complete and return. The application never arrived. I called back on XX/XX/XXXX and was told the application would be sent out " again '' and I should receive it withing the week. I did arrive. I sent back, called 2 days later and was told it was received and that I will receive the report within 30 days. 

I made a return call on XX/XX/2023, to inquire on the status of my case. I was told my request was denied because the picture on my driver 's license was too dark and that a letter was mailed on XX/XX/XXXX indicating such. I was told to resend and would need to wait an additional 30 days before report would be sent out. I resent the credentials ( driver 's license and passport ) on XX/XX/2023. Today is now XX/XX/2023. As per the agent, my latest credentials were not on file/not received. Bank of America is stalling. And I hope they're not they're not back to old tricks...