davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-19
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: CAPITAL ONE FINANCIAL CORPORATION (ID)

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 consumer credit plan as late for ar purpose.

XXXX
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service Company, INC (CO)

In XXXX my debt was sold from the XXXX XXXX courts to credit service company. Credit service company tacked on money that I received a notice that I did not need to pay when I received a refund from the XXXX XXXX courts. The XXXX XXXX courts paid me a refund for overpaying credit service company and told me that I no longer owe money. Credit service company has tacked on XXXX extra dollars and I have told them to stop billing me and the XXXX XXXX courts have told them to stop billing me. They insist on billing me they told me they were going to stop billing me but they continue to XXXX me by XXXX debit. I told them to stop and they keep billing me.
Consumer complaint received 2022-12-01
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. (CA)

I have multiple unknown inquiries on my credit report, after discovering I am a victim of identity theft, that have not been removed from my credit report. My credit report was given to multiple collection agencies of the identity theft charges without my consent. In addition the credit agencies still have a separate file under my former name of XXXX XXXX XXXX even after I legally changed it. The credit bureaus have illegally dropped my credit score XXXX points, increased it XXXX points and dropped it again for no reason. The credit bureaus are discriminating against the XXXX community by dropping points like this and making credit slow slower to increase points. This is discriminatory based on XXXX  and/or XXXXXXXX XXXX XXXX XXXX. I have been discriminated against by all three credit bureaus as a XXXX XXXX XXXXXXXX. In addition I have several positive credit accounts that were removed from my credit profiles without my consent even though they are being reported to all three credit bureaus.
Consumer complaint received 2022-12-01
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Dynamic Recovery Solutions, LLC (FL)

Hello! 
My name is XXXX XXXX XXXX and I am a US citizen.

I am making a complaint about the company DYNAMIC RECOVERY SOLUTIONS because it has withdrawn money from my bank account on several occasions in order to collect a medical debt from more than 7 years ago. 
Here I tell the story : This debt originated from some medical procedures on my XXXX  that I underwent. Willing to pay later. On XX/XX/2016, I had a work accident which left me unable to work for several years. I also had to undergo urgent surgeries on the XXXX XXXX XXXX and XXXX. After this I have been going through a difficult financial period. I called them several times in order to work out a split payment agreement for monthly payments and they never agreed. They wanted me to pay off the debt completely in one payment which was impossible for me. 
On many occasions they threatened to affect my credit, sue me, take me to court and take money from my bank account ( which they did ). 
On many occasions that I spoke with them, they did not have anyone to speak XXXX or to translate for me to be able to communicate properly, for which I felt greatly discriminated against. 
Right now they just took money out of my account ( {$490.00} ) with a processing fee of {$120.00} which was part of my money to pay my rent. The previous year they also withdrew a similar amount from my bank account. 
They did not even send a notice about the withdrawal of the money. 
I am the head of the family : wife and XXXX children ( XXXX and XXXX XXXX XXXX ) who have been affected due to this withdrawal of money.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NY)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (CA)

i have chime bank and i was hit with fraud from an outside source. after the first one they let me know they have secured my account and it would not happen again. it happened two more times within two days i let them know none of these charges are me that there is only one use on the account and these charges are not coming from me or any of my devices or phone number.. the crazy thing is if i try and get in my account it asks me all kinds of questions but it just lets other people right in to do as they please. now the bank came back and did they see no wrong doing and cancelled my claims i had to get a supervisor in it to re open the three claims.. pure stupid the whole company and the last charge i didn't eve have the funds and they still let it happen i just don't get it
Consumer complaint received 2023-02-04
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. (FL)

All 3 credit bureaus have significantly lowered my score, raised the score and then lowered my score again with 30 days. There is nothing anyone can do in that time period that would reduce an individual 's score that significantly. I have paid all bills on time for more than XXXX XXXX. I have a mix of XXXX and my history is as it should be. 

The bureaus response is to send me a credit report in the mail. I know what my is on my credit report. I need all three bureaus to raise my score!
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (CT)

I had Federal Direct Student Loans, serviced by MOHELA, that were fully discharged ( now a {$0.00} balance ) by the Department of Education ( DOE ) through their one-time IDR adjustment in XX/XX/. However, MOHELA continues to report a positive balance of over $ XXXX to the major credit reporting bureaus through the last two monthly feeds, affecting my credit scores and ability to seek a mortgage. The DOE website shows my student loan account as {$0.00}, and I even received a refund from them for overpayment. Even MOHELA shows on their website my student loan account has a {$0.00} balance, that it's in good standing, and that I do not owe any payments. 
I submitted disputes with the credit bureaus regarding the incorrect student loan balance with documentation in XX/XX/. XXXX even agreed with my dispute, changing my balance to {$0.00} and resulting in an increase of over XXXX points to my credit score. However, when MOHELA 's last feed came through, XXXX reversed themselves, changing my balance back to $ XXXX and decreasing my credit score over XXXX points. The other credit bureaus, after concluding their investigation, just cited MOHELA 's feed, leaving my student loan balances as they were. 
I fear without assistance ( CFPB ombudsman ) MOHELA will continue to misreport a positive balance to the credit bureaus for the foreseeable future.
Consumer complaint received 2023-04-13
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: WELLS FARGO & COMPANY (GA)

Wells Fargo XXXX  # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2022-10-11
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. (SC)

My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2022-11-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (AR)

I recently reached to Midland Credit Management about some accounts # XXXX, XXXX, they are reporting to the credit bureaus without my consent, signed SSA 89 Form, and are also due to identity theft/fraud. I never received documentation nor opted for any of personal information to be shared while never having any contractual agreement with Midland Credit Managment. This inaccurate reporting has since caused future and previous denials of credit and is having a significant impact on my credit worthiness. Due to my privacy and consumer rights being violated which is clear form of Identity theft/ ( MY PERSONAL INFORMATION BEING USED ALONG WITH MY PRIVACY BEING EXPOSED WITHOUT MY CONSENT, I am requesting these accounts to be removed immediately from credit report.
Consumer complaint received 2024-10-01
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ARS National Services, Inc. (FL)

ARS Debt collection contacted my family member by phone on XX/XX/year>. They violated FDCPA by going into the detail of the debt, how much is owed and that they were going to sue me if they could not reach me. They are not allowed to contact members of my family unless theyre asking for address or number. They are not allowed to explain the debt or any personal information regarding the debt to a family member. They have violated that and should be held accountable.
Consumer complaint received 2024-10-01
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2023-03-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Volvo Car Financial Services U.S., LLC (MD)

I visited the lender 's website to determine the total payoff amount for my XXXX Volvo XXXX. In addition, called the lender, by telephone and it was confirmed. I also specifically asked about the GAP insurance refund as I am now cancelling due to the car being paid off. They instructed me to contact the dealership for cancellation, which I did. 

The Dealership provided me the form/instruction for cancellation ; I completed and returned to them. I was told I would receive the refund in 6-8 weeks. Upon waiting for 6 - 8 weeks and not receiving any refund, I contacted the dealership to follow-up. 
I was then told that they had sent my refund to the lender, and not to me because the lender requested it. When I called the lender ( Volvo Car Financial ), they told me that they received the requested refund but will not send/forward to me because the refund should've been included in my payoff amount but wasn't. 
So I had two questions which they haven't answered : 1. How did they know how much my refund would be, to pay off the loan if and/when they didn't know I would be paying my car off? 

2. If an amount ( {$900.00} ) is charged/included in my loan for this GAP insurance for X amount of years, I pay the entire loan off early, should I receive the unused portion of the insurance cost, or shouldn't I have received that credit from my payoff balance? 

Neither has been done and they're refusing to give me the {$750.00} due. 

They're stating that the State of Maryland is a " No Refund '' State so I'm not entitled to a refund for services/insurance I didn't use. 

In addition, Volvo Financial Services has never would include the Principal Balance of the loan on my statement ; only the Payoff, which includes interest. I'd requested this information primarily because I always paid extra principle and need to track my balance each month. They said to know that amount each month, I have to call them. 

In a nutshell, I paid, in full, a loan that included {$900.00} for GAP insurance. Now the lender is withholding the unused portion of {$750.00}. So they're keeping money for service I did NOT receive. I need it reimbursed/sent to me.
Consumer complaint received 2022-08-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER HOLDINGS USA, INC. (NJ)

I entered into XXXX during XXXX - 18 Months. at the end I was told to start my regular payments on XX/XX/2021. I resumed making Payments I am in the time frame of 18 months to now move into deferral and my mortgage company is dragging their feet not to mention is now reporting that I have not made payments to credit bureau which is false reporting. They have dropped my XXXX credit score to below 500 due to their incorrect reporting. I have called 3 times a week to check on the paperwork which has not been completed only to be told it takes 30-60 Days, meanwhile I have made every mortgage payment for the past year on time. They are destroying my Credit.
Consumer complaint received 2022-08-19
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. (TN)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights. 

XXXX. XXXX XXXX # XXXX XXXX. XXXX # XXXX. XXXX XXXX XXXX XXXXXXXX XXXX not my accounts, ssn was associated with another individuals account information XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX not my accounts, ssn was associated with another individuals account information XXXXXXXX XXXX  XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

Dear XXXX, I am writing to follow up on a previous dispute regarding a bankruptcy item listed on my credit report, under reference # XXXX. In your response, you stated that the item was verified as accurate, claiming that the information had been confirmed with the court. I have since contacted the court directly, and their response, which I have enclosed, clearly states that they do not report any information to credit agencies, including your bureau. 

As such, I am formally requesting the immediate deletion of this item from my credit report to ensure compliance with federal law. Please provide me with documentation supporting your verification of this bankruptcy with the court, as you claimed, within the legally required XXXX period. Failure to do so will leave me no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any additional legal remedies available to me. Please confirm receipt of this letter and take the appropriate action promptly
Consumer complaint received 2024-09-22
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. (PA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate. 

Remove the disputed account from my credit report.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XXXX  days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XXXX  days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.