davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
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. (TX)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ). 
Today on XX/XX/XXXX, I contacted XXXX  via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On 07/14/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (KS)

I have never done business with " Procollect Inc '' at procollect.com. I thought I owed them money and found out that I never did. Procollect Inc made threats to damage my credit and my significant other 's credit as well. I now feel foolish and cheated for paying these people, only to still have a derogatory mark on my credit. This has financially impacted both myself and partner. I never signed any contracts with this company and I did not give permission for them to have my personal information. I looked these people up on the internet and it appears as though they have scammed many others. The business is not XXXX XXXX XXXX XXXX XXXX XXXX  accredited and has XXXX complaints from the past 3 years logged against them at the time of this submission. I paid the debt to these people because I thought that that I really owed them as I am both young and didn't know better at the time. They called me multiple times and threatened legal action if I did not comply with their requests to pay by their specified deadline. 

My partner and I collectively paid {$560.00} on XX/XX/2021 and our credit was lowered over XXXX points each via reporting from " XXXX XXXX XXXX XXXX ''.
Consumer complaint received 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (IL)

Prior to covid 19 I had broken my hand and for most they could get through this me unfortunately I only have one fully functioning arm my right arm is about 99.9 % non usable that had started my late payments prior to covid I did go into a forbearance program with Mr. Cooper and at the time was never advised of certain things such as you can not have 3 loan modification nor can you refi during a forbearance program. I have tried to resolve this matter on several occasions with MR Cooper and comes to find that some mortgage info doesnt seem to be accurate which requires me to research 17 years of 3 different banks / services unfortunately with my situation I could never join the military to receive any help and there doesnt seem to be much help for others with a disability Im basically 35 thousand the cost of a new cheap car and I can receive zero help in my situation and I dont believe this is a fair act I lost family members during the covid out break and had to also be a care giver for my father that passed all Im asking is for the serviced to give me a chance to get back on track with my mortgage and they have refused to cooperate do to the guidelines that are set in place and Im pretty sure if I reach out to a law firm there will be justice there is no need for this to go any further other then corporate greed when at the end of the day they talk about something that doesnt actually exsist money its created out of thin air and we just pay the price back to inflation all I want is help this should not happen. Thank you
Consumer complaint received 2021-07-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

I contacted Navient last XX/XX/XXXX to request to lower my student loan payments because I had cut my hours at work due to Covid-19 and homeschooling my son but I was denied. This was actually my XXXX request to do so. XX/XX/XXXX, I was diagnosed with XXXX and a month later admitted into the hospital for in patient XXXX for a blood XXXX and a XXXX XXXX  that was found unexpected. The next several months were a whirlwind. Covid peaks, no family allowed in the hospital, XXXX XXXX, XXXX, XXXX XXXX, I was going through quite a bit. XX/XX/XXXX, I started receiving phone calls every other day, emails, voicemails, etc threatening student loan default and next step I would be sued. I explained to Navient that I was in the hospital undergoing treatment and out of work. I could barely walk and requested a forberance, hardship or something to push payments until I could go back to work. I was advised these were private loans and nothing could be done. XX/XX/XXXX I started receiving threatening calls from an insensitive gentleman that asked me why did I take a loan if I couldn't pay it back. He said my loans had defaulted and it was his job to collect payment or send my file to an attorney to sue me. I advised him of my health condition and was told his dad had XXXX and that was no excuse. He asked if I had received any taxes and asked did I want a settlement for I believe 70 % of the amount or he stated I could give him $ XXXX {$8000.00} down and make payments of $ XXXX. I tried to explain to him that due to treatment ( unexpected diagnosis ), not working, I had fallen behind unfortunately on almost all of my bills but when I submitted paperwork from my doctor, everyone worked with me including my housing. He proceeded to tell me I needed to borrow the money from someone or talk to my parents. I advised him my dad was deceased. I was so stressed out after he called 3 times in one week, I called Navient and asked for a supervisor to take over my account and I was told there was nothing they could do. I asked if they were aware of the lawsuits pending from XXXX XXXX ( who made the loans ) and they said there was nothing that could be done. I inquired if they had any XXXX relief options, they said I did not qualify for anything. I asked why was I receiving emails to call about options to lower my payments but when I call there are no options.
Consumer complaint received 2021-07-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CA)

Macys is reporting inaccurate information on my credit report. I have put in several disputes with credit bureaus but its still coming back as verified information and its not. Its also occurring interest on a closed account. They are reporting {$810.00} as amount owed, and it was charged off for the amount of {$730.00}. It stated my credit line was {$800.00} and thats not true either. 
I also would like to dispute the inaccurate information about the opened date, one bureau says opened opened XX/XX/XXXX another bureau stated it was opened XX/XX/XXXX. 
Due to all these violations please remove this account from my credit report. It is stopping me from being approved for a home loan.
Consumer complaint received 2021-07-18
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 (CO)

With no notification, Synchrony Bank has cancelled my current card ( XXXX XXXX ) and reissued it. I have not received the new card, so I can not update payment information for other accounts ... and will have late payments as a result. Synchrony says that the notification is being mailed with the card. Which is no help because I haven't received it. And they won't remove the block. 

According to their rep, there was a data breach, but my card was not affected ... this is just a precaution. But it isn't a precaution to me, as I use this card. And have plenty of available funds for my current bills. 

It is wrong for Synchrony to arbitrarily cancel my card, with no notification, when they have no realistic expectation of a new card 's arrival. Maybe tomorrow, the rep said.
Consumer complaint received 2021-07-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (WA)

I sent a 609 letter to XXXX on XX/XX/XXXX which was 30 days ago.Still no response.I also sent a letter to IC systems stating this account was paid which was closed XX/XX/XXXX and didnt know why this debt of {$360.00} was put on my credit history XX/XX/XXXX.They put this on my Credit Report without any warning or action to respond.I will like this negative item off my account which is the only negative item on my account and I been having a great pay history for that last 3years without any negative items.
Consumer complaint received 2021-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (MD)

This would be my eighth complaint on not being able to get the government authorized access to XXXX Listed are the seven previous complaints filed already : XXXX -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX -- XXXX On each of the listed complaints that request to gain access or have the restrictions and blockage removed so that my wife and I will be able to download the once a week annual-credit-report from XXXX or to be able to have the restrictions removed from the Equifax site that will allow us access to the paid or equifax.com accounts. 

In each of the previously opened CFPB complaints, their initial response has been " needing more time '' or " needing to contact provider '' when the complaints and subject matter deals directly with Equifax iteself.
Consumer complaint received 2021-07-18
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. (NJ)

I, XXXX XXXX, Understand my rights as a Federally protected " Consumer ''.

Fair Debt Collection Reporting Act ( FDCPA ) 15 U.S. Code 1692. ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code 1692a - Definitions ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Please be advised XXXX  XXXX XXXX has been reporting false/Inaccurate Information to my consumer report. According to 15 U.S. Code 1692g - Validation of debts I have asked the company to present me with : Original Debt Instrument SIgned Contract Video, SIgnature, or Evidence that I am the One who committed such charges. 

Lastly, while speaking to a representitive they have the wrong address for me an address that was associated with fraud and they continue to report this information to my consumer report.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (GA)

On XX/XX/XXXX I tried making a payment on my Macy 's account via the app on my cell phone. The payment did not go through, saying I couldn't make less than minimum balance which was over {$1400.00} dollars and I was only paying {$75.00} on my account. My payment was not due until next month, I wanted to pay in advance. The payment never went through so I could not complete the payment. A few days later I received notification that my payment posted of {$1400.00}. 

I called Macy 's on XX/XX/XXXX to inform them that the payment was posted in error. I spoke with XXXX who said I made the payment with my bank account on the app. I told her I did not make the payment. I asked for a supervisor but she told me the supervisor would say the same thing. I insisted on a supervisor and she placed me on an extended hold but no supervisor came to the phone, I hung up. 

I called back today XX/XX/XXXX and spoke with XXXX for assistance. She said the same thing as XXXX, I asked for a supervisor and she continued telling me that I needed to wait XXXX days before they could refund the payment. I asked her if she heard that I was asking for supervisor and she said the supervisor would say the same thing. I asked for a supervisor again and was placed on hold for XXXX minutes before a supervisor by the name of XXXX came on the line. He asked me what I wanted him to do about the payment. He said they could reverse it after XXXX  days or refund it. I told him that the payment was an error and I did not complete it. He continued with the same resolution. 

Since, I wasn't getting anywhere with the reps by phone, I sent a few emails via the app secure messaging system. I received notification back that I should call in for help. 

Due the bad customer service I am receiving from Macy 's I had no choice but to try to resolve outside of them. This erroneous payment is causing me NSF charges with my bank. Macys need to reverse this payment because it was their system error that caused the problem. I have been a customer for almost XXXX years and have never had this issue. Anytime you make a payment online, an email confirming online activity is sent but I did not receive that for this XXXX payment.
Consumer complaint received 2021-07-10
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. (DC)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2021-10-25
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: I.C. System, Inc. (GA)

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} I C SYSTEM INC XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NY)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2024-11-21
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC (VA)

In XXXX, I contacted Newrez to initiate a buyout assumption for the mortgage on a property I co-own with my friend. The goal was to transfer the loan into my name, removing my friend from liability. Throughout multiple calls and emails, I clearly explained our situation and was guided through the steps to complete the assumption. At no point was I informed that relationship status ( as non-relatives ) would make us ineligible. Based on Newrezs assurances, my wife and I made significant life decisions, including hiring movers costing {$1700.00} and relocating to the property, assuming we would keep the favorable interest rate of 3.2 %. However, a few days ago, over the phone, the loan officer handling our case asked if my friend and I were related. When I said no, he stated the assumption could not proceed because we are not relatives and expressed surprise that we had made it this far in the process, as our relationship status should have been addressed months ago. I was told the only way to remove my friend from the mortgage was to refinance, which would mean losing the current interest rate. This contradicts months of guidance from Newrez, who knew from the beginning that my friend and I were not related. Nowhere in their documents, communications, or website is it stated that assumptions are restricted to relatives. Their failure to disclose this policy upfront caused unnecessary stress and financial harm. Had we been informed earlier, we would not have moved or gone through this process. Additionally, I could find no legal requirement limiting buyout assumptions to relatives, suggesting this is an internal policy that should have been disclosed at the outset. This process has been unnecessarily stressful, and I believe Newrez should be held accountable for their negligence and misrepresentation.
Consumer complaint received 2024-10-28
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. (CA)

As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.
Consumer complaint received 2022-08-07
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. (NC)

1.XXXX XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
2.XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
3.XXXX XXXX  XXXX XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
4.XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
5.XXXX  # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent.
Consumer complaint received 2022-01-12
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. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion