davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Alorica Inc. (CA)

I had opened a XXXX credit builder account early last year starting in XXXX  to help build my credit score back up, they had sold my loan off to a debt collection agency, breaking the terms of the agreement. 

The loan was financed at {$4000.00}, with {$2000.00} being given to me upfront, with the other {$2000.00} being locked into a savings account with interest. I would gain the {$2000.00} after the payoff of the loan. 

XXXX not only sold off the loan to this company, they broke the rules and agreement I had made with the company in terms of payment. The new company the loan is a part of, Systems & Services Technologies ( Part of XXXX ), said I was XXXX dollars past due on my payments, when my statements show I have made every single payment I was supposed to make over the entire year of XXXX, in XXXX I had made a late payment to XXXX but it was taken care of and reported as current. After the transfer, I was not informed of the transfer, nor did XXXX tell me or let me know that the account was being transferred to another agency. According to the FCRA, loan transfers must let the person know that it was transferred, which I was not. Not only this, the payment agreements were every two weeks on the XXXX I get paid, this is currently not happening, and my payments are being taken out on the weeks and days I do not get paid. The accounts on my credit score also are currently being reflected as two different accounts, one being closed and the other being SST reporting that I'm past due 60 days when I have no past due payments in the system. If there were any past due payments that just so happen to have randomly popped up in my two years of payment, I was not informed nor aware by XXXX or SST.

After calling the company they refused to tell me where the missing payments were coming from and after finally pressing they told me months I had already made payments for, with these also being the months the loan just so happened to be transferred over to SST. These missing payments were not reflected on SeedFi and only showed up after the loan was transferred to SST, with multiple people saying the same thing happened to them. 

In my account summary it currently says my payoff balance is {$2500.00}. The original loan amount is {$4000.00}, with all my current payments made for the year, I still do not understand how I'm being reported as 60 days past due when I have made all my payments for the year. This loan is predatory and the companies involved are predatory, there have been multiple reports to the XXXX  and on various websites about " missing payments '' that have randomly popped up for people, people not getting their savings money, with the same responses being made over and over and over again. This is a scam and I wish I could go back and time and tell myself not to take this loan. A terrible experience with my credit score taking the hit.
Consumer complaint received 2024-10-29
Product: Credit reporting 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. (NC)

DISPUTING INQUIRIES ONLY please delete and remove the following inquiries from my credit prole due to right to privacy PREVIOUSLY I DISPUTED THE INQUIRIES ONLY NOT ANY PERSONAL ACCOUNTS SEVERAL TIMES AND THEY REFUSED TO REMOVE THE INQUIRIES. I didn't receive any personal extended credit from the agencies below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I disputed the credit inquiries by phone and online WITH EACH credit BUREAU BEFORE I led THIS adavit. The credit bureaus have failed to remove the disputed information leaving me no other choice but to le this adavit. The credit consumer agencies HAVE violated my rights PREVIOUSLY BEFORE WITHOUT PROPER OPTIONS I have EXHAUSTED ALL MY remedies when disputing incorrect information from the credit prole other than to report to consumer protection agencies. THE ONLINE DISPUTE CENTER portals do not WORK WHEN I DISPUTE NEGATIVE INFO ON THE CREDIT REPORT
Consumer complaint received 2022-07-13
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX  XXXX, TX XXXX XX/XX/2022 Dear Equifax, I, XXXX XXXX consumer and natural person, am aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

2. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

3. XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy. 

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-09-28
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: Experian Information Solutions Inc. (TX)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2022-08-19
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: Experian Information Solutions Inc. (IN)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

Two years ago I lost my wallet and received a new XXXX  XXXX card in the mail and instead of them sending me a new card with the same old account and balance they sent me a new card with a new account balance so in 12 months after Ive had the new card I paid my card off and so one for XXXX  XXXX say I have a unpaid balance that has been late for 11 months that I did not know about because they sent a new card with new balance upon resolving the situation with XXXX  XXXX and closing the accounts XXXX  XXXX says that they took the late payment off of my credit but trans Union and XXXX are still reporting wrong information on my credit report stating that I have 11 months of late payments with XXXX  XXXX witch are not true I spoke with XXXX  XXXX today XX/XX/2022 at XXXX am and they says there are no late payments on my credit and I am in good standing with them the wrong misreporting information From Trans Union and XXXX has been getting me denied Home loans and business loans from my bank and other Financial institution
Consumer complaint received 2022-07-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (CA)

I find it offensive that someone from AMEX debt collection feels it appropriate to call me regarding contacting someone with the same last name. 

They called asking about their need to urgently contact my brother. They never said they were debt collectors. I never told them it was my brother ( who I have no contact with ). 

AMEX had no permission to research and find my phone number through its internal records or running a credit report on me. I never gave AMEX permission to access my records and use them for their debt collection agents. 

This is highly offensive and most likely a violation of Federal law. 

They have no rights to let others know you have a debt collection issue with a customer. 

I tried calling them back to protest, no live person. I called their executive offices, they refused to transfer. The email to send complaints is not valid. I did email their CEO.
Consumer complaint received 2022-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (AZ)

The list of information was inaccurate from my report. I sent letters to each Credit Bureau for them to investigate and review my files. But that information is constantly reporting and causes a negative impact on my credit. Therefore, The Credit Bureau did not take any action to remove the incorrect information listed below : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Atlanticus Services Corporation (IL)

I received a line of credit at XXXXXXXX XXXX XXXX XXXX through Fortiva Retail Credit in XX/XX/XXXX. I was told that as long as I paid off what I owed in a year 's time, there would be no interest. I paid off the loan on XX/XX/XXXX. At no point was I told about any additional steps I needed to take to close the account. 

In XXXX of XXXX, I received a text message indicating that I owed {$30.00}, which was confusing to me seeing as I had paid off the loan months earlier. I went to check my account online and confirmed that I had paid off the loan. Thus, I believed the text message to have been sent in error. 

Since XXXX of XXXX, I have continued to receive notifications that I owe additional money in {$30.00} increments. At that point, I called Fortiva 's customer service line and was told that I was being charged an annual fee as well as a $ XXXX  monthly fee for keeping the account open. When I signed up for this line of credit at XXXX XXXX XXXXXXXX XXXX, not only was this not explained to me, but I was not even told that the line of credit would come from an external company rather than from XXXXXXXX XXXX  itself. In the end, I was told that the only way to close the account was to pay the money I allegedly owed. 

Fortiva Retail Credit and its policies are predatory in nature. The company deceives its clients in an effort to extort them out of money, even when they have paid what they owe on the loan.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-07-15
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (NY)

My father passed away a little over a year ago. I notified Nissan and continued to make the payments on his lease. I asked to assume the lease so that I can buy the car at the end of the term. 

Nissan made this process purposefully difficult. I have complied with every request in a long and arduous process. On their direction, I transferred the insurance into my name. 

Nissan just notified me in a very ambiguous letter that they are denying me for the assumption of the lease. When I called to ask why I was being denied, they told me that there was too little time left. This does not seem to actually be one of the reasons that they stated in their letter. If this is the reason, they dragged this process out on purpose. 

They tried to tell me that I could bring the car in at the end of the lease and then buy it for market value instead of the favorable price that it is in the lease contract. 

I feel I am being taken advantage of in a time of sorrow. I have good credit, excellent income and I 100 % qualify to assume this lease. I request that the CFPB help me assume the lease. I also request that the CFPB look into the tactics of Nissan. The lease buy out option is very favorable and they are trying to switch me into buying the car at market value. The ethics and legality of this tactic speaks for itself. 

Thank you for your help.
Consumer complaint received 2022-08-19
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate this account ( A ). 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : XXXX
Consumer complaint received 2022-08-19
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent this complaint multiple times already that I have been a victim of identity theft but no one seems to care, that I want to dispute specific records in my file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$37000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00}
Consumer complaint received 2022-08-17
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. (MA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX XXXX XXXX XXXX  as late for and purpose
Consumer complaint received 2023-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (SC)

I filed a investigation with XXXX, XXXX, and XXXX about my account with XXXX XXXX account ending in XXXX. As well as Mariners Finance, LLC. This is a charge off account that still has a balance. Also, the statute of limitations has expired. I have written to all the credit reporting bureaus numerous times about the dates and the amount, which is incorrect. 
How can it be a charge off account and report with a balance.
Consumer complaint received 2022-07-13
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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : CAPITAL ONE XXXX
Consumer complaint received 2022-09-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (CO)

This company operated in the guise of being a part of Tribal community and assumes immunity from State and Federal Laws. They are not registered as a lender in Colorado, my home state and thus any loans that they advertise or disburse are illegal. ( CO Statute 5-12-1-3 ). Their interest is exorbitant and are over the usury laws of the state and I am sure Feral as well. 
I sent them an email to cease and desist on XX/XX/2022 and in response they sent me a letter pretty much stating that they are above the law and that they don't fall within the state or federal financial oversight. They have violated my cease and desist and again contacted me via email and voicemail on XX/XX/2022. 
For {$500.00} loan they charge an 447.7555 % APR and with Finance charges of {$2500.00} their total payment balloons to {$3000.00}. If this is not predatory lending then I don't know what is. With no oversight companies like these are openly praying on the vulnerable and practicing unscrupulous lending practices in guise of a tribal entity. Put a stop to this.
Consumer complaint received 2022-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC (CA)

Citing PERMISSIBLE PURPOSE -Fair Credit Reporting Act A furnisher must not furnish inaccurate consumer information to a CRA XXXX and furnishers must investigate a consumer 's dispute that the furnished information in inaccurate or incomplete. If ANY information has been deleted from a consumers file and is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available for that purpose. Please find attached proof that this company has reinserted an inaccurate account that had already been deleted by XXXX  from the XXXX report XX/XX/2021. This reinsertion of erroneous information that was previously deleted is AGAINST THE LAW and needs to be removed expeditiously.
Consumer complaint received 2022-08-17
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. (MI)

The addresses being reported on the consumer report is fraud and does not belong to the consumer. These addresses are shown to be connected to accounts the consumer is unaware of and did not authorize. It is against consumer rights to be reporting false information on a credit report. It has caused many problems and many denial of credit. XXXX, XXXX, and Equifax have been contacted 3 times and no change.
Consumer complaint received 2023-03-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In XXXX 2022 XXXX XXXX XXXXXXXX ( XXXX ) sold my loan to Select Portfolio. We had a XXXX LOC HELO loan XXXX for over 10 years. The payments were automatically withdrawn, and the loan was in excellent status. Almost immediately I saw that Select Portfolio changed the terms of the loan.

1. I called Select Folio and agreed to have up to {$500.00} deducted from my bank to pay this new bank. The 1st month was approx. {$260.00}, next month {$740.00} and then finally they withdrew {$1500.00} in XXXX. This was quite a bit more that the {$500.00} I allowed. Basically, my monthly cost was 400 % higher than XXXX within 6 months. 
2. My loan with XXXX allowed changes from fixed to variable and vice versa, something Select Folio will not do. This is a huge problem since I wanted it converted to a fixed interest rate in XXXX. 2022 This was before all the large rate hikes. 
3. Next, they added a clause whereby they wanted me to purchase additional insurance. This was not required at all from XXXX. 
The loan was for only XXXX, yet the house and land are worth over XXXX. 
They started charging me over XXXX for insurance I didn't need or want and added it to the loan despite already having insurance that was not required since the inception of the loan.