davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-15
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. (AZ)

To whom it may concern, XXXX XXXX has tarnished my credit report in error. I usually submit payments via their mobile application with no issues and for some reason the payment kept getting rejected last time when there are funds in the account to cover the payment. I have submitted bank statements on my previous record and it and screenshots from their application and it was not taken into consideration. The application showed the status of rejected twice. I called their support personnel to only be told to contact my bank. After a third try on the payment submission the payment went through. I believe this is an unfair reporting and needs to be removed. I have contacted the company, but their customer services reps are disrespectful and are not willing to work with me on removing this negative mark out of my record. 
This also happened during COVID-19 and when I was finalizing a move after my divorce. 

I would like this negative mark to be removed. I'm having issues trying refinance and credit card companies are lowering my limit due to a hit of 70+ points negatively affecting my credit.
Consumer complaint received 2022-06-30
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: EMCC Holdings, LLC (GA)

I have reached out to said companies several times about the inaccurate information being reported on my report. 
In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) 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 7 years.

15 U.S.C. 1681s-2 states a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-06-30
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: Diversified Adjustment Service, Inc. (GA)

I have reached out to said companies several times about the inaccurate information being reported on my report. 
In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) 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 7 years.

15 U.S.C. 1681s-2 states a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2022-06-30
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)

This account has been reported as FRAUD/IDENTITY THEFT and it is still being reported on my credit report. I have asked for documentation verifying this account belongs to ME, but it is unable to be verified as it was opened online. This needs to be removed ASAP. 
A police report has been filed. 



XXXX XXXX XXXX  {$580.00} Date opened : XX/XX/2020 XXXX
Consumer complaint received 2022-06-30
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. (TX)

This account has been reported as FRAUD/IDENTITY THEFT and it is still being reported on my credit report. I have asked for documentation verifying this account belongs to ME, but it is unable to be verified as it was opened online. This needs to be removed ASAP. 
A police report has been filed. 



XXXX XXXX XXXX {$580.00} Date opened : XX/XX/2020 XXXX
Consumer complaint received 2020-05-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCE CORPORATION (GA)

The date of XXXX XXXX I contacted the company to ask about my loan and stated to them that the interest rate was extremely high for an XXXX dollar loan.i have payed {$1000.00} over the last five months and only {$410.00} has been applied to my principal. {$590.00} have been applied to interest.
Consumer complaint received 2022-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit & Collection, Inc. (IL)

Today, XX/XX/XXXX, I received an email from my bank that something had gone to collections. I am unaware of any bills I have not paid, so I filed a report about it. Then, this evening, I received this email from XXXX : Dear Valued Customer, At XXXX, security is a top priority. We are reaching out to inform you that XXXX recently discovered a cybersecurity incident that affected some of your information. 

In late XX/XX/XXXX, an unauthorized third party acquired information from some of XXXX 's U.S. systems. On or around XX/XX/XXXX, we determined through our ongoing investigation that personal information of certain customers was affected. 

We have taken actions to secure the affected systems, and have engaged a leading outside cybersecurity firm and are coordinating with law enforcement. We want to assure our customers that the issue did not impact Social Security numbers or credit and debit card numbers, but in some cases, may have affected information such as name, contact and demographic information, date of birth, and product registration information. The information affected for each relevant customer may vary. 

At XXXX, we value the trust our customers place in our products and services trust that we have built up over many years. By working with industry leading experts, we will further enhance the security of our systems and your personal information and work to maintain the trust you have put into the XXXX brand for more than 40 years. 

We regret any inconvenience this may cause you and appreciate your trust in us. We have set up an FAQ page on our website for additional questions and answers along with recommended actions. 

If you'd like to check your credit report, you are entitled under U.S. law to one free credit report annually from each of the three major nationwide credit reporting agencies. More information can be found below. 

If you have any questions regarding this issue, please visit our website at XXXX.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SECURITY SERVICE FEDERAL CREDIT UNION (CO)

We are closing on the sale of our home and, as a part of that, the title company requested the payoff from our mortgage lender. They are trying to charge is a {$1600.00} prepayment penalty because we closed on the refinanced loan less than 36 months ago. However, their monthly statement listed the prepayment penalty as " None '' and they never verbally disclosed the prepayment penalty with us at any time during the loan process. It is also not included in the language of the Note or Deed of Trust ( although apparently we did sign a disclosure that neither of us remember being disclosed ). We believe the failure to list the penalty on the periodic statements is in violation of the CFPB rules on this topic.
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: American First Finance, Inc. (IL)

My identity was stolen over a month ago and I have been disputing charges. I received a bill on XX/XX/XXXX for {$5200.00} from American First Finance. I never applied or received goods for any items. I called American First Finance and they let me know that items were purchased at XXXX XXXX in XXXX, TX. They verified the items were delivered at XXXX XXXX XXXX XXXX, TX. XXXX XXXX has video footage of an XXXX XXXX  female purchases the items in the store. I filed a police report and there is an investigation underway. The XXXX police department stated the person who stole my account also stole my drivers license number and created a fake id to purchase these items.
Consumer complaint received 2022-06-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation (NC)

Several Dispute letters and Negotiable Instruments sent to Fortiva with no response since XX/XX/2022 demand account is credited { {$3000.00} } as they are deemed honored along with {$2000.00} monetary relief for Fortivas failure to investigation/respond to disputes, closing account during dispute without notice and reporting while in dispute. This is a BREECH of Agreement and BREECH of Fiduciary Duties, and BREECH of Trust. Violations under FCRA and 15 USC 1640 Truth and Lending.
Consumer complaint received 2022-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK (CA)

Discover cashed my paycheck that was issued to me on XX/XX/2022 ( pending case with the District Attorney in XXXX XXXX for Bank Fraud and XXXX XXXX Police Department ). I am a victim of identity theft as well as mail fraud. I began to recieve my mail to the correct address and received correspondance from Discover stated that " unusual activity was detected on your account. '' It stated to call immediately, which I did, and waited on hold for 2 hours one day, 1 hour and 30 minutes another day, 2 hours the next day and an 1 hour and 15 minutes today. I have yet to speak to anyone about this matter, which is an account that was not opened by me. I have never banked with this institution.
Consumer complaint received 2022-06-30
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. (NC)

XXXX is reporting negative information in reference to a student loan account. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal.
Consumer complaint received 2022-06-30
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Velocity Portfolio Group (MO)

This company continues to violate my consumer rights and report to the CFPB like they are following the right directions. Which they this company constanly harras me with phone calls report negative information on my credit file which they bought a debt claiming that i owe them.
Consumer complaint received 2022-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX is reporting negative information in reference to a student loan account. According to 15USC 1681, The banking system is dependent upon fair and accurate credit reporting. This Inaccurate credit reporting, it has directly impaired my credit profile and reputation. I would like for this to be removed immediately. I have sent numerous letters requesting removal.
Consumer complaint received 2022-06-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC (FL)

My mortgage servicing company is Specialized Loan Servicing I ( SLS ) I Was given forbearance From XX/XX/XXXX until XXXX XXXX due to Covid pandemic. 
I started the payment from XXXX XXXX, XXXX and have been paying on-time ever since. 
Not XXXX payment has been late as of today, XX/XX/XXXX. 
I am working for the XXXX XXXX in Florida as XXXX XXXX with a yearly salary of {$88000.00}. 
Since XXXX XXXX, XXXX, I have been paying my monthly mortgage amount of {$2600.00} as it was before the start of the forbearance ( also verified by phone with SLS ) via cashiers check. The last payment was mailed, via return receipt, on XX/XX/XXXX for the month of XX/XX/XXXX. 
I have never been late in my monthly payments. 
SLS has required full payment amount of forbearance which is close to {$49000.00} since after the end of the forbearance period. 
Regardless of months of following their instructions and requirements for paperwork they kept saying I do not qualify and offered me deed in lieu, meaning they want me to give them my house. There is over {$400000.00} equity in my house which is practically my retirement money. After initially disqualifying me for income and expense ratio, they reported me to the credit agencies which brought my credit score from XXXX down to around XXXX and in their final communications to me they disqualified me for any help because of my credit score. 
My question to your agency is that is this practice, right? They offered forbearance by choosing a number on the phone for over 3 or 4 times during pandemic and always said they will work with me at the end of the forbearance period.
Consumer complaint received 2020-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ZIONS BANCORPORATION (CA)

My bank is California Bank & Trust. My branch is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. I cashed a check for XXXX in person at that branch. From talking to the customer service, the teller is supposed to call the bank where the check I cashed is from and see if there are funds available to cash. If the other bank does not verify funds for the check or is unable to provide verbal information the bank teller is supposed to tell me either of these things happened. The bank teller did not verify if the check had funds at all. They cashed the check without doing any due diligence and their reasoning is that it is fully my responsibility to know if a check has funds, not theirs. The check I cashed out got bounced back and nobody from my bank has notified me ; I only found out by looking at my online transaction records. The money was taken from my account and a service fee was added for {$12.00} for a returned check. 

I called customer service. It was after the hours my branch was closed. They said they have an adjudication process called XXXX. Its a complaint I file to the branch. The customer service representative sent it to my branch on my behalf and they will receive it when they open tomorrow. The branch manager at that exact location only is responsible for adjudicating it. I asked the customer service representative if there is any adjudication process in the company that does not involve a bank branch adjudicating itself. I could not get an answer because the customer service representative does not know despite working in customer service. I later called the bank branch and they can only get a supervisor to speak to me the next business day. They can not get someone who does not work in the branch to adjudicate the situation that happened at the branch. The customer service representative admitted that if the bank adjudicated against itself it will get in trouble because it could possibly have cashed a bad check without telling me about it. MY QUESTION IS : how can I get an adjudication process that does not involve a bank branch judging itself? This means the bank may not be impartial when judging itself because they will get in trouble with district or corporate management if they rule against themselves.
Consumer complaint received 2020-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This matter is being forwarded to your attention for resolution as recommended by XXXX XXXX at the Office of U.S. Senator XXXX XXXX : My TransUnion credit report is showing on negative item, my daughter XXXX 's student loan which I am a co-signer. Due to unfortunate circumstances, the loan had become past due for a short period. The loan has since been brought up-to-date, with the principle, interest, and late fees now current. According to XXXX, the loan will be a default status until the loan is paid in entirety, regardless of the fact the loan is up-to-date with no outstanding fees, interest, or principle. I am XXXX years old and XXXX XXXXXXXX, and in all my years, I have never heard of a loan being brought up-to-date and still being labeled in default. What is the incentive for anyone to bring their school loan, or otherwise, to a an up-to-date standing by paying all past due fee, interest, and principle if the lender or administrator will not change the default status to current? Any assistance you can provide to have this matter corrected so my credit can be properly reported would be much appreciated.
Consumer complaint received 2022-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IN)

An account was open with XXXX  with my information. I already have phone service with XXXX XXXX XXXX. I seen it on XXXX XXXX and I don't know what information they have on me. 

I have called XXXX and XXXX and filed a fraud alert. I also called the Sunrise Credit Services and they lead me to XXXX. I let them know that I didn't open the account and they filed reports in there systems. I am awaiting on the reports as of XXXX, XXXX XXXX  XXXX.
Consumer complaint received 2024-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-05-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (NJ)

On XX/XX/XXXX, I received a letter from Wakefield and Associates,  Inc and contacted them onXX/XX/XXXX. I spoke with XXXX XXXX on that date and finished my conversation with him at XXXX. I advised him that I had no idea about two ( 2 ) outstanding bills from XXXX XXXX XXXX especially since they were from XX/XX/XXXX & XXXX, XXXX. I ask for back up and was just told by XXXX XXXX they did not have any. I replied that how did they know the amounts are valid and that I needed the originals so I could do my diligence to see why the insurance company had not paid them either in full or what if any was my responsibility. Mr. XXXX XXXX said that in order to get the information I was requesting that I had to put the request in writing. 

On XX/XX/XXXX, I wrote and mailed a letter ( will attach ) to Wakefield and Associates, Inc, disputing the amount and requesting the back up information. 

The other day my credit bureau alerted me to a negative credit posted to my account from Wakefield and Associates Inc. I called yesterday, XX/XX/XXXX, at XXXX and spent 12 minutes on that call in total, to speak with a person and complain about there actions. To my surprise Mr. XXXX XXXX answered my call and we went back and forth with him using semantics and other " normal '' tactics employed by non-professional agencies. Long & Short he " transferred '' me to a supervisor to which I was put into voicemail. I left my Wakefield A/C # twice along with my cell number twice and advised I was very angry and expected a return phone call. Have you heard from them because I certainly have not. 

I have disputed their negative dispute with XXXX  ( Report # XXXX ) and XXXX  ( did not note report number ). 

I think that Wakefield and Associates Inc need to have better over site attached to them as well as be more upfront and honest. 

Thank you very much.
Consumer complaint received 2022-06-24
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: TIDEWATER FINANCE COMPANY, INC. (MO)

XXXX removed the following account TIDEWATER MOTORE CREDIT as of XXXX XXXX. The account was then re added as of XXXX XXXX. This account has continued to be re aged and I have let XXXX know that this account is fraudulent and needs to be removed. XXXX has Tidewater Motor Credit re aged as well as listed as charge off which is a violation and XXXX keeps violating my fraud alert and notice of identity theft communication from FTC reports. 

XXXX XXXX is also an account that is listed on my credit report that is not my account and also makes me a victim of identity theft. This account continues to be re aged and listed as a charge off as well.