davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC (ID)

numerous calls daily every few hours. when the phone is answered, there is nobody on the line. this happens many times a day. 

I didn't know what why the harassment was about until I received a false, deceptive and misleading debt collection attempting to convince me that I owed a debt to another? collection agency 10 years ago! what???
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I HAVE ASKED ALL THREE CREDIT BUREAUS FOR A THOROUGH INVESTIGATION OF MY CREDIT REPORTS AND THEY ARE STILL REPORTINTG INACCURACIES. 

I HAVE RIGHTS UNDERTHE ROSENTHAL ACT. IN ACCORDANCE WITH THE FAIR CREDIT REPORTINTG ACT, XXXX  ( XXXX ) ( ACCT # XXXX, XXXX XXXX XXXX, {$12000.00} ), ( ACCT # XXXX, XXXX, $ XXXX A SCAM AND HAS BEEN ADDING INTEREST DAILY ; REPORTED TO FTC ) XXXX ( ACCT # XXXX, XXXX XXXX, {$5500.00} ), ( ACCT # XXXX, XXXX XXXX XXXX {$4800.00} ) AND AN UNKNOWN ( ACCT # XXXX, ORIGINAL CREDITOR, {$230.00} ) HAVE VIOLATED MY RIGHTS. 

15 U.S.C. 1681 SECTION 602A STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I HAVE SUBMITTED A COPY OF MY FTC IDENTITY THEFT REPORT AND NOTORIZED POLICE REPORT TO EACH BUREAU IN 2019 TO NO AVAIL.
Consumer complaint received 2024-12-03
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: HYUNDAI CAPITAL AMERICA (FL)

I am seeking a resolution either through direct action by the authorities such as the XXXX, XXXX, CFPB, and FTC, or through arbitration with the financial institution following multiple calls where I requested an unlimited credit balance and inquired about the " amount owed according to Title 18 U.S. Code 8. My request for an unlimited credit balance was denied, which is a violation of open-ended credit provisions under Title 15, U.S. Code 1602 ( j ). Furthermore, under Title 15, U.S. Code 7006, I assert my authority as the Authorized Representative Agent of the Consumer to ensure that all debts are resolved honorably. I empower the Indenture Trustee of XXXX XXXX XXXX XXXX to settle all debts in accordance with Title 18 U.S. Code 8, affecting all financial transactions concerning this account, whether past, present, or future. Additionally, as stipulated in 15 USC 1692j, the Creditor/Financial Institution has provided monthly statements via mail.
Consumer complaint received 2022-06-07
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: Self Financial Inc. (ID)

On XX/XX/2022, I was notified of new activity from my XX/XX/2022 credit report. 
According to the credit report, a new loan account was created on XX/XX/2022 in the amount of {$520.00}. 
I notified the 3 credit bureaus and filed a police report that the new account was fraudulent. They informed me that the account was created using my old address and a phone number that I was not familiar with. 

XXXX first treated this as a normal dispute instead of a fraudulent activity and did not remove the loan account from my credit report. They actually resolved the first dispute by siding with the XXXX XXXX XXXX Self Financial. I also informed the XXXX reps that I was not able to reach a support person from XXXX XXXX / Self with the contact information they provided. They provided no help here, even when I told I think their contact information was incorrect. 

After the dispute was resolved in the bank 's favor, I contacted them again and finally had them escalate this to their fraud department ( and have since sent them a copy of my police report and am doing the same with XXXX ). The XXXX agents I talked with made it sound obvious that this was a fraud case since they helped me identify the phone number and address that was used in the fraudulent loan ... and yet, the dispute did not end in my favor. Also, XXXX 's online system for submitting paperwork ( XXXX ) is broken and does not accept PDFs or TIFF files, even though those were the exact instructions! 

Since XX/XX/XXXX through today, XX/XX/2022, I have been trying to contact XXXX XXXX XXXX  AND Self Financial Inc but could not reach any live person through any of their phone numbers and automated telephone systems. I even went to a XXXX XXXX  and they were also not able to reach a person by calling in. 

Self / XXXX XXXX apparently only helps their customers and have no means of supporting non-customers. Instead, their messages have directed me to an e-mail address. I finally e-mailed this e-mail address on XX/XX/2022 but have not been contacted as of XX/XX/2022. 

XXXX XXXX And Self Financial CURRENTLY DO NOT have sufficient support staff and actually have no live person to handle serious matters such as identify theft from non-customers. Look up their website info and try calling them, you'll get nowhere. ( XXXX ). 

I am still disputing this fraudulent account through the credit bureaus as we speak. I also want to world to know that criminals can open new loans through this company because they do not run credit checks, which made my credit freezes useless here as a form of protection.
Consumer complaint received 2022-07-02
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

USAA has stated that my account was paid late XXXX time ; XXXX days. 

After talking to many customer service reps, I was finally told on XX/XX/22 that USAA has had issues with their computers resulting in false XXXX day late payments. 
I was informed to dispute these with the credit bureaus. USAA did not investigate or fix the issue. ( XXXX day late payment on ALL XXXX of my credit reports ).
Consumer complaint received 2022-11-21
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. (FL)

I recently received my credit report and noticed that there is an error on one of my accounts. With the XXXX pandemic, its been a tough time and I dont need my credit docked more than what it fair and accurate. 

As you no doubt know, it is also a violation of the FCRA that was established in 1977 to show disinformation on a credit report. Therefore, I exercise my legal right to have the 90-day late payment deleted on XXXX XXXX XXXX XXXXXXXX I ask that you respectfully confirm deletion, because this inaccuracy is unfairly penalizing my score making it lower than it should be, and I have been working diligently to get my finances and records corrected. 

Thank you and take care, ( Type first and last name ) only Client address
Consumer complaint received 2022-06-07
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer XXXX now XXXX XXXX XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
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. (PA)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my Experian consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Consumer complaint received 2022-06-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (SC)

My loan with XXXX was transferred to Mr. Cooper on XX/XX/XXXX. I had made a {$23000.00} payment on XX/XX/XXXX to bring my balance down to 78 % of the original loan value. I have been trying to get the PMI removed on my account. I have met all the criteria of the balance being under 80 % of the original loan value, all payments were made on time and payments were over the amounts that were due. I have asked Mr. Cooper to cancel the PMI but they said that I don't meet criteria and that my home has lost value so that I now need a new appraisal done in order to have this cancelled. I paid {$330000.00} in XX/XX/XXXX for a home with XXXX acres and they are saying that in this real estate market my home has lost value. I also get advertisements from them stating that I have {$170000.00} in equity in my home so now I should think about refinancing. I was told that the investors are the ones that are making this decision about the appraisal. I would like to know if this is something that they can do or if I fall under the Federal Homeowners Protection Act? Please let me know as soon as possible. 

Thank you, XXXX XXXX
Consumer complaint received 2022-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (PA)

I have recently pulled my XXXX credit report and have noticed accounts that have been investigated and deleted by another credit bureau are still being reported by XXXX and XXXX.. I have continuously disputed this account without any resolution continuously. Pursuant to the FAIR CREDIT REPORTING ACT, I expect you to complete the removal within 30 days.
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)

I've contacted Equifax twice informing them about this situation and they keep responding by mailing me stall letter templates stating that I must identify myself even though with the letter I mailed to them, I included a copy of my State Driver License which has my current address and my Government issue Social Security XXXX. 

NO PERMISSIBLE PURPOSE AND DATA BREACH OR DATA LEAK XXXX XXXX and XXXX XXXX for XXXX XXXX and XXXX XXXX users such as your XXXX XXXX XXXX states that credit reporting by XXXX XXXX XXXX should be done based on accuracy, consumer access, correction, XXXX security and privacy. 

This request is to confirm current reporting of the hard inquiries were obtained using permissible purpose guidelines, in addition to being accurate, complete, meets timelines, and meets compliance based on FEDERAL AND STATE REPORTING STANDARDS concerning law, compliance and data security regulations. 

None of the inquiries listed below were provided Permissible Purpose for accessing my credit reports as The FCRA lists a number of permissible purposes for accessing consumer reports, as noted in Section 604 ( a ) ( 3 ) A-G. 

Accessing an individuals consumer report can only be done in accordance with the laws requirements. To access and use a consumer report for other purposes is illegal and subject to criminal penalties. 

Please remove the following inquiries from my report because they were not obtained using Permissible Purpose XXXX XXXX - XXXX Inquiry-Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XXXX Inquiry-Was Not XXXX XXXX XXXX Purpose XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX XXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXX  XX/XX/XXXX Remove XXXX XXXX Not Obtained Using Permissible Purpose XXXX XXXX XXXX  XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose XXXX XXXXXXXX XX/XX/XXXX Remove Inquiry Was Not Obtained Using Permissible Purpose In addition, your company, is a CRA ( Credit Reporting Agency ) that is mandated by : The Gramm Leach Bliley Act The main law mandating that CRAs ensure the security and confidentiality of personal information is the Gramm Leach Bliley Act ( GLBA ) enacted in 1999. As a Financial Institution under GLBA, credit bureaus are subject to significant regulation relating to data security through Section 501 ( b ), which requires the Federal Trade Commission ( FTC ) to promulgate rules to require financial institutions to have measures in place to keep customer information secure. 

Since this is my 3rd request, please do act quickly in removing the inquiries and once complete, mail me an updated copy of my credit report via USPS Mail showing the results and please do not mail me another stall letter.
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. (GA)

I just received my investigation results. and saw some accounts were verified. However, I have a few questions : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, i was reading the FCRA and noticed that these companies violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account XXXX : XXXX 2. Account Name : XXXX XXXX Account Number : XXXX* 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX Account Number : XXXX XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX Account Number : XXXX 7. Account Name : XXXX Account Number : XXXX 8. Account Name : Soc Sec Admin Office O Account Number : XXXX 9. Account XXXX : XXXX XXXX XXXX Account Number : XXXX 10. Account Name : XXXX XXXX Account Number : XXXX, 11. Account Name : XXXX XXXXXXXX Bankruptcy Account XXXX : XXXX
Consumer complaint received 2022-07-02
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (MA)

Comenity Bank performed a scheduled maintenance that led to a complete outage ( unable to check your balance, pay bills, use cards ) as well as a customer service outage starting around XX/XX/XXXX, it is now XX/XX/XXXX and there still has not been any communication or fixes other than copy pasted retweeted tweets on XXXX from the Comenity Bank account. 

Hundreds of thousands of users are left without being able to pay their bills, likely will have our credit score affected, and also unable to view our accounts and unable to use the cards at the select stores.
Consumer complaint received 2024-12-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIGITAL FEDERAL CREDIT UNION (CA)

I received this creditor statements on my credit report with the Acct : Status Account charged off. $ Account charged off. {$10000.00} written off. 

I am requesting a 1099 C since it was charged off and written off because I did not receive one.
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: Experian Information Solutions Inc. (NV)

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : Collections : XXXXXXXX XXXX XXXXXXXX Account No XXXX XXXX. Amount Owed {$150.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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. 

Kindly delete the account. 

Thanks XXXX XXXX
Consumer complaint received 2022-06-07
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. (PA)

In accordance with the Fair Credit reporting act XXXX  account # XXXX and Account no # 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 2024-12-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

I called XXXX XXXX immediately after I maid the overpayment Of {$3700.00}, Instead of {$370.00}. I also called my bank. Both institutions said the other institution could return the money. That was on XX/XX/XXXX. On XX/XX/XXXX I received an Email From XXXX saying the money would be returned within XXXX business days. I have called repeatedly and told the money would be arriving soon. I was told the case was being escalated but when I called today, XX/XX/XXXX, it has not been escalated but XXXX said he would now take care of it. I am XXXX XXXX XXXX and feel I am being treated without concern about my issue since they have the ability to stall me as long as they want without repercussions. Thank you for your help
Consumer complaint received 2022-09-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (MO)

I received notification on XX/XX/2022 from XXXX and XXXX on my credit reports that a new collection was added. The collection agency Convergent Outsourcing NEVER sent me ANY letter informing me that they had my account from XXXX or any letter for that matter that they had my account in collections since XX/XX/2022 according to what's being reported in my credit reports. 4 months later it gets reported to my credit reports. Why was I not notified that my account was sold???!!! I would've been able to pay the account off prior to it being reported to my credit reports. I was unaware that my account had even been sent to collections because I was making regular payments to XXXX to pay the account down and they also never sent me a letter stating my account had been sold. XXXX kept accepting my payments leading me to believe they still owned my account and the whole time they sold my account to Convergent Outsourcing without my knowledge! So the original creditor XXXX never sent me any letter nor did Convergent Outsourcing. I do not owe Convergent Outsourcing any money. I have already paid XXXX the remaining balance of {$150.00} on XX/XX/2022 that was owed to them. I do not owe the collection agency because I was not even aware they owned my account until it was placed on my credit reports and I want this collection deleted from every credit reporting agency that Convergent Outsourcing has placed it on due to them not letting me know my account had been sold to them.
Consumer complaint received 2024-12-02
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Credible Labs Inc. (OH)

XXXX. XX/XX/2024, I applied with Credible ( XXXX ) as a co-signer for a private student loan. Upon submitting my credit application, I received an immediate online response stating, " unable to IDENTIFY prequalified rates for you from lenders on our marketplace based on the LENDER 'S ELIGIBILITY CRITERIA ''. ( 1 ) Credible FAILED TO PROVIDE LENDER 'S ELIGIBILITY CRITERIA PRIOR to the application for credit - did NOT make eligibility criteria available/easily accessible ; inhibiting me from making a good decision in the use of my credit. ( 2 ) Credible FAILED TO PROVIDE PROPER ADVERSE ACTION NOTICE. Credible 's adverse actions were all named to the primary applicant, neglecting my opportunity to view any adverse action taken against my application for credit ; I DID NOT receive an adverse action. I requested Credible return my original application, as it is no longer needed to process any extension of credit. Although I provided Credible with ample time to return the application, the CFPB regulations to preservation of records, and additional statutes stating the consumer has the right to request their original application, ( 3 ) Credible staff refused to return my original application - stating their company policy has their own retention rules and has further, ignored the my additional requests for my application, with no regard to CFPB and/or FTC law .