davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-19
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I am extremely frustrated, distressed, and I feel like my requests are being ignored. Section 611 ( a ) says that a failure to investigate within 30 days is cause to immediately remove those items from my credit report it has been well over 45 days so everything should be deleted promptly. I demand these inaccurate items be removed immediately or I will be forced to take action via litigation due to the emotional stress you are causing me. My information has been impacted by the Equifax breach and I feel my information may have fallen into the wrong hands. Please delete immediately.
Consumer complaint received 2020-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (VA)

I have reason to believe I do not owe this debt, as I had closed my wireless account with XXXX on XX/XX/2018. 
I had cleared my account and returned all the equipments against which XXXX issued a XXXX balance receipt ( Copy of original receipt enclosed ). 
I have tried to resolve this matter with the debt collecting company Source Receivables Management, unable to listen or help fix my problem. I have an excellent credit they ruined it by reporting it.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act, The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights. 
XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX CO ( ACCT # XXXX ) has violated my rights XXXX XXXX XXXX ( ACCT # XXXX ) has violated my rights 15 USC 1681 section 602 ( a ) states I have the rights to privacy.

15 USC 1681 section 604 ( a ) section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
MY FEDERALLY PROTECTED CONSUMER RIGHTS HAVE BEEN VIOLATED! 
The above referenced accounts do not belong to me and I want them deleted from my credit report.
Consumer complaint received 2022-12-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

( 1 ) I have had online paperless billing with my conventional mortgage serviced by Nationstar Mortgage XXXX  d/b/a/ Mr. Cooper. They had been generating an online statement by the XXXX of previous months. It is now XX/XX/XXXX and there is no statement available on their website. When I tried chatting on the app, the computer said no representatives were available. When I phoned just now, the telephone representative claimed their computers were inoperative and told me no account help was available. She told me to call back tomorrow. ( 2 ) I requested last month that Mr. Cooper eliminate and close my escrow account. This year 's insurance and tax bills have both already been paid from that escrow account. I can not view any escrow history anymore, and have NOT received a refund for the remaining payments to the escrow account that resulted in a leftover excess balance. Looking in their website, it is as if I never even had an escrow account.
Consumer complaint received 2022-01-05
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. (GA)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2022-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

As of Thursday, XX/XX/2022, I am unable to access my checking and savings accounts, via my cellphone, when I dial the XXXX customer service number at USAA ; in that the portion of the automated message that would normally prompt the caller to key in their phone pin or their member number, is completely missing, when I call customer service; and instead, I am forced to wait on the phone for the USAA customer service rep, to provide me with my balance or to transfer monies FOR me, from my savings account to my checking account or vice versa, which I FULLY capable of doing MYSELF! But EVERY month, around military pay day ( for retirees ), a NEW problem arises, involving MY bank accounts, at USAA, that USAA SHOULD be able to RESOLVE, ITSELF, without me having to file another complaint with the Consumer Finance Protection Bureau.
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC. (SC)

I went to purchase a vehicle XXXX XXXX XXXX XXXX on XX/XX/XXXX. I made a few payments before I found out about the Uniform Commercial Code, Fair Debt Collection Practice Act, Fair Credit Reporting Act, Trust Law and Contract Law. Which explains the XXXX XX/XX/XXXX XXXX I asked Exeter Finance who claim to have loaned me some money for the vehicle a few things I've learned. This what I asked : Expressing The Trust Agreement To Settle The Debt. Everything is a XXXX because there is no money, there is no value available to be given as consideration. So a XXXX fills the void. Trusts were put in place in XXXX XX/XX/XXXXwith the taking of the gold. Exeter Finance colorable contract is wrapping and hiding a XXXX at its core and the gifting of the 'res judicata ' or the principal of the XXXX forms the corpus of the XXXX. A Trust which I Am the XXXX and Beneficiary of and Exeter Finance are the Trustees and assumes Fiduciary responsibility for managing those assets and carrying out the purposes of the Trust. My signature and Social Security number was the representation of the XXXX and all my past, present, and future labor, i.e. my assets. It's impossible for Exeter Finance to have ever loaned me any money. My signature and my Social Security number is the res judicata, i.e. the value and the principal. I Am XXXX XXXX here as Beneficiary of this XXXX Agreement. I Am asking ; Will Exeter Finance as Fiduciaries of this Trust Agreement, do what is necessary and best for the Trust by settling the debt to this Account XXXX? PLEASE ONLY CONTACT ME IF ITS CONCERNING DOING WHATS NEEDED TO SETTLE THE DEBT. 

Exeter never responded back by mail nor called to handle the matter. Instead they attempted repossessing the vehicle. It failed so they reported to my consumer report as Charged Off. I reached out to get my Title and I still haven't heard any thing.
Consumer complaint received 2022-07-02
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 XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2021-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Based on the credit bureaus when I was XXXX years old I had a charge-off with XXXX XXXX XXXX XXXX XXXX XXXX This is impossible because I was XXXX years old and not aware of any possible debt. They stated that someone used the card for a gas charge but at the age of XXXX, I did not have a car? They also did not ask me to dispute the charge at the time of the debt. Someone used my card and charged it and I had to pay for it. This is illegal because if a debt is not the consumers then it must be disputed. I have paid the debt only because it was hurting my credit profile. At XXXX years old I was not allowed to have a bank card, so how did I make the debt? I have contacted the credit bureaus and the company countless times with no results. I have been in contact with them since XX/XX/XXXX. They have not provided me any details of verification or validation of this debt. I would like this removed from my credit reports immediately due to the negative impact that it has on my credit. XXXX stated that they removed it due to these circumstances however Transunion and XXXX have not responded to my dispute at all. I would like this removed from my account. This account has held me back countless times and It has caused me major XXXX. This charge was not me.
Consumer complaint received 2022-02-17
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I sent a letter regarding an accurate in unknown things on my credit report. To this day over 60 days later. I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section ( a ), its is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts be DELETED immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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
Consumer complaint received 2022-07-02
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. (FL)

In, XXXX through XXXX, I reported information to each 3 credit reporting bureaus for removing negative items, on my credit report along with any thing that had been there for sometime, i a asking the FTC to remove this information or have those reporting agencies to remove and update my information as it reflect my response too these agencies 1.5 years ago.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (NJ)

1. According to Discover XXXX Bank agreement disputes between XXXX parties must be exclusively decided through XXXX  ( alternative Dispute Resolution method either XXXX  or XXXX  ). 
2.However, without any prior notice from lawyers/ legislators covered by the FDCPA, a legal action was initiated. 
3. I submitted demand to compell private arbitration along with a contract outlining arbitration provision. 
4. Despite my answer Discover and Debt Collectors ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ) still ignore my demand and trying to use court system as weapon. 
5. Discover don't respect or follow they own contract. 
6.Debt Collectors violated FDCPA ( XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX )
Consumer complaint received 2022-07-02
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)

N accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A sates i have right to privacy.

15 U.S.C 1681 section 604 A section 2 also states consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account an open-end consumer credit plan as a late for any reason
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (WA)

Hi, on XX/XX/XXXX I tried to make a payment to my credit card but Comenity bank said their had a system outage. I waited a few days and tried again, but the system was still not working. They posted a message to either call or use their " XXXX '' option, however the calls would not go through and the XXXX option continued to say my account did not exist. I have multiple accounts through Comenity bank and none of those accounts I have been able to access, pay my bills, or reach the company through the various customer service lines that are listed on my card. A couple of my cards are due now but I still have no way to make my payments. I tried yesterday ( XX/XX/XXXX ) and today ( XX/XX/XXXX ) to pay multiple cards, to no avail. Each payment site I visited today continues to claim I can make a payment through XXXX ( I still continue to get " account does not exist '' ) and the phone lines now say to " Please call back at a later time ''. The customer service representative on XXXX continues to make false claims that you can make payments through XXXX or through the phone at present. They literally responded to someone saying that those XXXX systems were up and working before I made my last attempt. I understand that they said they would waive late payment fees UP UNTIL XX/XX/XXXX, but I am still worried about it seeing that the systems are still not operating.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc. (AZ)

This complaint is directly related to Nationstar XXXX XXXX CO, Mr. Cooper, who will referred to as The Company. 

Consider this a follow up complaint to my original complaint filed XX/XX/2022 with The Company - XXXX. The required timeframe for a prompt response has expired. 

I spoke with a representative of The Company on a recorded line who confirmed the delinquency was a direct result of The Company 's illegal and harmful communication practices. The representative confirmed that I would be contacted by a supervisor of The Company which did not occur within 30 days. 

The Company failed to notify me of current balance due upon purchasing my loan ; The Company failed to notify me that a scheduled payment had been rejected within a reasonable timeframe ; The Company failed to accept my payment without reasonable explanation within 14 days of rejection ; The Company failed to notify me of payment rejection within XXXX hours of failure ; The Company would not allow me to make a payment within 30 days of purchasing my loan ; The Company failed to respond within the required timeframe for a verbal complaint ; The Company failed to deliver notice of delinquency prior to 30 days late ; The Company delivered libel reports to credit agencies despite The Company being responsible for delinquency ; The Company refuses to respond to multiple attempts to correct The Company 's error. 

Mr Cooper will now be required to relay all future communications regarding my mortgage by written mail as well as responding to this CFPB complaint. 

I have also served a final notice for The Company to correct their reports. Without a prompt response from the Company, this complain will be escalated to civil court.
Consumer complaint received 2022-07-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/2021, I paid off my entire Chase XXXX Credit card. The next month I received a bill for the interest due on the previous month 's balance which was {$77.00}. I made a payment of {$60.00}. I was told today that the payment I later made in XXXX of {$50.00} was insufficient and that I should have paid the amount of the interest which was {$77.00}. When I called today to find out why the minimum amount due on such a small balance of about {$200.00} was so high ( {$77.00} ), I was informed that the entire amount of the interest was the minimum amount due. 

I feel this is a deceptive practice. I had paid off my entire balance in XXXX of several thousands of dollars. The entire amount of the interest should not have been the minimum amount due in the next month. This I feel is a form of retribution for me paying off an extremely high credit card balance with extremely high interest being charged each month when I had requested a lower interest rate given the fact that I had been a long-time customer of Chase Bank . Due to their data breach my personal data has been exposed to the " dark web '' ; one would think they would have a bit more compassion for their customers instead of demanding a scam-like minimum payment. 

On top of everything, when I called Chase Bank today around XXXX pm XXXX, and requested a supervisor, I was met with a very disrespectful attitude by a representative named " XXXX '' who was quite condescending in reference to my questions. When I asked to speak to his supervisor he told me there was no other representative XXXX asked the name of his supervisor he informed me that his name was " XXXX '', no last name. 

XXXX needs to make amends for exposing customers data to the dark web but instead it charges us exorbitant interest which, to me, is bad faith.
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (NY)

I have a comenity mastercard thru Bjs XXXX XXXX that has been declining for four days. I have called everyday multi times a day the number on back of card and Im hung up on or doesnt go thru. couldnt sign into my account online until yesterday everything looks good so no reason to be declined. This by the way is my only credit card.
Consumer complaint received 2022-06-22
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. (AL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX with Account ending in XXXX has violated my rights. 

15 U.S.C. Section 602.A., states that I have a right to privacy.

15 U.S.C. Section 604.A.2., states that a consumer reporting agency can not furnish account information without my written instructions.
Consumer complaint received 2021-10-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (TN)

On today 's date XXXX the XXXX XXXX at XXXX XXXX  XXXX time, I made a payment yesterday for the monthly payment four PayPal credit. Then I get mixed messages from PayPal credit I see on the website where I made the payment and it went through on the XX/XX/XXXX. Then I was sent a email saying that the payment was returned on the day after XX/XX/XXXX. I called the number on the form. This tactic is what I call the " phone hiccups ''. Example : I put my phone on speaker in the ultimate prompt will ask me questions. The problem is it'll have asked me a question not giving me time to answer and say " Say that again ''. That's what I call a hiccup in their phone system. The last time I did that was last week. After having trouble connecting it should get me to a regular real person. This time it will hiccup and hiccup and hiccup and then say goodbye. This is a tactic to frustrate the customer. This is after XXXX minutes on hold some answer, not say a word then end call. All on a weekend. I will send you the e-mail with this complaint.