davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (TN)

I offered to make a payment and try to settle with the company to have this collection deleted from my credit report XXXX XXXX by mail. A week after sending the letter national credit systems contacted me and threatened to sue me and ruin my credit. A few days following an attorney from XXXX XXXX office called repeatedly and left several voicemails telling me good luck in court. I could never contact anyone back at the law firm. I would like for this to end and this collection to be deleted or settle for the amount I initially asked, delete from my credit report, and do not ever contact me again.
Consumer complaint received 2022-05-20
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. (TX)

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXXXXXX XXXX XXXX : XXXX XXXXXXXX XXXX  DATE ASSIGNED : XXXXXXXX XXXX  AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXXXXXX XXXX. has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Consumer complaint received 2022-07-29
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. (AZ)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Equifax that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Equifax has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (IL)

Description of Complaint : Discover Card Payment Protection excessive charges to a retired senior. 

My name is XXXX XXXX ; Im submitting this complaint on behalf of my Sister, XXXX XXXX Several Months ago I noticed Lindas checking account was over drawn ; I started looking closer at my sisters finances. 

I noticed large credit card debt, {$24000.00} on her Discover Card, being the largest. 

Starting in XXXX her balance starting going up, a large part of the increased balance is the result of this payment protection Plan. From XXXX to XXXX discover card has charged her card for {$6300.00}, in fees related to this protection program. Interest charges of course went up as the balance increased. 

When I asked XXXX about this Payment protection and why she had it she didnt know she was paying for it or what it was for. 

When we called discover, in XXXX I was told she had been in the program since XXXX. I asked for a refund but was told all they could refund if the most recent payment. To help control expenses I told them cancel the protection plan and proved any refunds they can. I called back in XXXX requesting additional refund, they told me would look into it, but we never heard back. 


Documents : I have attached copy of fees charged for last few years, all I could get from the website..
Consumer complaint received 2022-05-20
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)

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$600.00} written off. 
XXXXXXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1300.00} Status Account charged off. {$1300.00} written off. {$1300.00} past due as of XX/XX/XXXX. 
XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed. {$330.00} written off. 
XXXX XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3200.00} Status Account charged off. {$3300.00} written off. {$3200.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$9400.00} Status Account charged off. {$8600.00} written off. {$9400.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$600.00} Status Collection account. {$600.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$330.00} FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2022-06-23
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. (IL)

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

Your company 's in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report?

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 Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Consumer complaint received 2022-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

XX/XX/2022 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer portion thereof in which information on consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or whom who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my rights under 15 USC 1681. 

According to : 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

According to : 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. 

According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2022-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

I'm getting letters repeatedly from Midland Credit Management. I responded 3 times already, twice by mail and once by phone. They are harassing me about a debt I don't owe. I have 2 accounts with XXXX XXXXXXXX and both of my accounts are current. 

MCM account # XXXX
Consumer complaint received 2020-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc. (NC)

I was looking through XXXX  XXXX for a XXXX XXXX to buy and came across one that was XXXX i chatted with the guy a bit and he said he would go down to XXXX and asked for my number so it would be easier to message through so we chatted from Wednesday all the way to Friday then did the transaction through Google pay for XXXX then i asked him when are you gon na ship it he said tht day or the following one i asked him the following day did you ship it but he never answered so i was worried i kept trying to contact him but no answer then tried calling but he instantly decline the calls so now he won't answer and won't ship what i thought i bought
Consumer complaint received 2022-06-23
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC (FL)

Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : Planets investigation revealed that you initially submitted an online portal inquiry on XX/XX/XXXX. The submission was partially completed, however, did not indicate whether the disaster hardship was resolved or ongoing. Planet issued both acknowledgement and missing items letters ( enclosed ) on that same date. To proceed with a Disaster Modification, Planet must verify that the hardship was resolved, the borrower returned to work and with no negative long-term change in the household income occurring. Despite numerous attempts, we did not receive the required information. Therefore, on XX/XX/XXXX, a loss mitigation denial letter ( enclosed ) was issued. 

My Response : The M26-4 5.06 ( 3 ) states The event, or circumstances that caused the default has been, or will be resolved, and is not expected to re-occur, so is Planet Home Lending seriously trying to say you were unsure if the hurricane had dissipated 3 months later?

Per Planet Home Lending in their response to my complaint filed with the Consumer Financial Protection Bureau : On XX/XX/XXXX, upon receipt of an online request from you, you were approved for an extension of the COVID-19 forbearance plan, which was good through XX/XX/XXXX. As an additional courtesy, Planet backdated the forbearance plan to XX/XX/XXXX, waived your late fees and ensured no negative credit reporting was furnished to the three major agencies pursuant to the CARES Act while you were on a forbearance. Therefore, you were provided with a COVID-19 forbearance plan for a total of 18 months, which is the maximum number permitted by the VA for loans with a COVID-19 hardship on or prior to XX/XX/XXXX. 

My Response : 1. The company has in effect detailed another violation of the CARES ACT and VA Circular 26-21-04, as neither imply or expressly provide a mortgage servicer the authority to retroactively apply/backdate the application of a CARES ACT COVID-19 forbearance. 
2. The document provided by the company on XX/XX/XXXX allowing a one month extension of forbearance makes no mention of a retroactive/backdated forbearance. See forbearanceml.pdf.

3. Whatever they do regarding the forbearance has to be requested by me per the CARES ACT and VA Circular 26-21-04. I never requested they retroactively apply the two months of remaining eligibility. It makes no sense. Why not apply it for XXXX and XXXX? Whatever alleged benefit ( lates fees and credit bureau reporting ) would of applied to XXXX and XXXX. 


Ive called and emailed regarding the name, address, and phone number of the owner of my mortgage to no avail. Please provide the previously mentioned information for the owner of my mortgage.
Consumer complaint received 2020-07-11
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (WI)

To Whom It May Concern, Im writing to you because I noticed that my most recent credit report contains late payments reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for my XXXX XXXX account. 

I want you to know that I understand, and have great respect for my financial obligations. 

Unfortunately, at the time of the incident mentioned above, I talked with one of the representatives that work for your company and I set up for them to withdraw monthly automatic payments from my checking account. I did not realize that I had a derogatory account until after I got a notice stating that I was 120 days late. I was under the impression that the payments were being taken out of my account faithfully. 

Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record. 

Currently I am applying for a mortgage and financing anything has been a struggle. It has come to my attention that the missed payments on my credit reports have hurt my ability to qualify for anything. 

In my heart, I know that the missed payment doesnt reflect my creditworthiness and commitment to repaying my debts. I am humbly asking for you to give me a second chance by making a goodwill adjustment to remove the 5 late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from my credit reports. As I understand it, you can do so in just a few minutes of your time. I would greatly appreciate it! 

Thank you for your consideration. 

Have a blessed day!
Consumer complaint received 2022-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (TX)

IC Systems placed 8 credit issues on my account. 5- {$210.00}, 2- {$220.00}, and 1- {$420.00} with the exact account # XXXX. I reached out to them a while back and they could not verify my information. To see what was the amount that I owe. I appears to be an amount from XXXX XXXX XXXX XXXX. I filed a complaint with XXXX to get this removed. They show XX/XX/2022 being the status date. This just appeared within 6 to maybe 8 months ago. Very upset and want to see what's my legal rights to this form of harassment.
Consumer complaint received 2022-06-23
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. (TX)

in accordance with the Fair Credit Reporting act XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : 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 2020-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX XXXX Report : # XXXX Date of birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX Fl. XXXX XXXX : # XXXX To Experian XXXX. XXXX XXXX XXXX, TX XXXX Soc : # XXXX XXXX XXXX Driver Lic : # XXXX Phone : # XXXX My name is XXXX XXXX XXXX, and. I resign at a bow address. I request my Credit Report last month and I apply a credit free. 
I would like to know the cost to get my Credit History and my Credit Score whether by email or by regular mail. From the CFPB as soon  as possible. 
Im requesting my Credit History and Credit score from between XXXX through XXXX. 
I saw a lot of unfamiliar activity on my Credit Report that Im disputing and requesting removal. 

I am writing to dispute all of the following Information that appears on my Experian report. 

1 : XXXX  : Acc # XXXX Ive no recollection and I got no bill in the mail. 
2 : # XXXX : Acc # XXXX Ive no recollection and I got no bill in the mail 3 : # DIVER : Acc # XXXX XXXX Disputing the Red C. I owe XXXX nothing. 
4 : # XXXX// Acc : # XXXX XXXX No recollection never got a bill in the mail 5 : # XXXX XXXX XXXX # XXXX XXXX Acc : # XXXX. Disputing the Red I had no affiliation with any of these accounts or recognize the accounts in question A : # XXXX/XXXX Acc # XXXX B : # XXXX XXXX Acc #  XXXX C : # XXXX/XXXX  Acc # XXXX D : # XXXX/XXXX   Acc # XXXX XXXX : # XXXX/XXXX Acc # XXXX XXXX : # XXXX Acc # XXXX Enclose copies of Soc and Driver LIC Sincerely your XXXX XXXX
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Exeter Finance, LLC. (MS)

In accordance with the Fair Credit Reporting act XXXX XXXX  : Account # XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX : Account # XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights . DISPUTED XXXXInaccurate information In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. DISPUTED XXXX-Inaccurate information 15 U.S.C 1681 section 602 A. Accuracy and fairness of credit reporting. 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. 

References : https : //www.consumer.ftc.gov/sites/default/files/articles/pdf/pdf-0111-fair-credit-reporting-act.pdf
Consumer complaint received 2022-07-29
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. (NV)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following incorrect names, addresses, accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-06-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

I received a letter from a company called credit collection services saying that I owe XXXX from an XXXX insurance. I have never had any dealing with XXXX ever. I called XXXX and they couldn't find any record of me ever having an account with them and that they don't know how or why this is happening. Please help me
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

i have sent several letter to Equifax and i havent even got a respond to the letters that i sent back in XXXX and i know it pass the 90 deadline No one had respond to me either by email or mail
Consumer complaint received 2020-07-11
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. (CA)

FTC Violations XXXX XXXX  {$48.00} XXXX XXXX  XXXX {$2400.00} US Department of EDU total {$3700.00} XXXX XXXX XXXX USDOE/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-07-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CURO Intermediate Holdings (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - consumer verified as accurate. I contacted XXXX Dispute Specialists to report the inaccuracy.
Consumer complaint received 2022-10-20
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: SANTANDER HOLDINGS USA, INC. (AL)

I have spoken on the phone with this debtor a month ago and informed them that I have every intention on paying off the remaining debt over time, but I can't pay the entire amount in one lump sum because I am playing catch up with other bills at the time. I did verbally inform them that I can make chunk payments periodically to get the balance down until I'm in the position to pay off the remaining balance in one payment. However, I get calls from them every other day as if I wasn't already aware of the debt. This is a very abusive and aggressive tactic they are using to collect the debt and it's very aggravating. I am making strides towards paying off the balance but there is no need for this approach. Thanks, and hope to hear from you soon.
Consumer complaint received 2022-12-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (NY)

I sent a debt verification letter via certified mail to XXXX. The company received and signed for receipt on XX/XX/2022. The company has not only failed to send me a debt verification letter with the requested information but has since tried to call me once and has sent 3 letters to my home. It has been over 30 days and this point and this company continues to harass me about which a debt they can not provide verification to me.