davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-14
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC (OK)

I was approved with a {$4000.00} credit line with the company in XX/XX/2022. I took a total of {$3900.00} in XXXX advances from this, with the last advance taken out on XXXX XX/XX/2022. I have continued to make payments but due to financial hardship, my account has late payments with a past due balance of {$1600.00} carrying over from several months ago, still 69 days past due as of XXXX. I have been making {$400.00} payments every other week. As of XXXX, I have repaid approximately {$9200.00} and a significant portion has gone towards finance fees I did not expect to get this out of hand. I was told this XXXX  that I have a remaining principal balance of {$2900.00} and an early payoff option for {$4800.00}. If I paid it off XXXX, I would have paid approximately {$15000.00} for {$3900.00} borrowed and this repayment plan is causing my family considerable hardship. I was told that the fees and balance would continue to grow if I continue making payments as scheduled and that collection efforts would continue. I do not see any way to ever resolve this without protection from the company 's exploitative and usurious practices.
Consumer complaint received 2020-04-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau Services Inc. (NE)

I have two problems here : One is unfair debt collection practices : First I have received harassing phone calls to XXXX. 
To the degree that I blocked the number. 
In the period of one week, I have received phone calls at the following time : Thursday at XXXX XXXX  ; XXXX XXXX, XXXX : XXXX XXXX  Friday at XXXX XXXX  ; XXXX ; XXXX ; Monday : XXXX ; XXXX ; XXXX, Tuesday XXXX XXXX, So I blocked the number. 
Then I received a phone call on Thursday, XX/XX/2020, with no phone number. It just said " NO Caller ID ''. I answered and they asked for me by my first name. I asked who it was and they said Credit Bureau Services.
Consumer complaint received 2023-09-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

ON THIS DATE I DISPUTED THESE CHARGES WITH MY BANK CAPITAL ONE XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX : Billing Inquiries Re : Notice of disputed charge to Account No. Ending XXXX or XXXX Dear XXXX XXXX : I am writing to dispute a charge of {$50.00} to my debit card account on XX/XX/2023. The charge is in error because my identity was stolen and there where several charges on my account and one of them was yours I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

Please correct the error on my account promptly. 

Sincerely, XXXX XXXX ALSO THIS COMPANY TO MY BANK XXXX XXXX XXXX ( call or text ) : ( XXXX ) XXXX THEY WAS SUPPOSED TO SEND ME THE REFUND, NEVER GOT IT I RECEIVED A EMAI FROM MY BANK TODAY SAYING THEY ARE TAKING BACK THE CREDIT THEY GAVE ME DUE TO THE COMPANY OR COMPANIES HAVE PROVEN THEIR CASE THIS WAS IDENTITY THEFT WHEN I LOST MY INFORMATION BACK IN XXXX AND GOT A POLICE REPORT
Consumer complaint received 2023-08-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Frontline Asset Strategies, LLC (IA)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2023-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (MS)

The original creditor discharged the debt receiving a tax credit. A 1099c has repeatedly been requested. The sale of this account was illegal as XXXX XXXX XXXX  and I have no legal contracts and Ive given no authorization for the sale of my information. XXXX XXXX XXXX  has been notified on multiple accounts of this and they continue to harass via text, phone and email after being told to cease and desist. They are not legally authorized by me for this account.
Consumer complaint received 2020-04-23
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: CITIBANK, N.A. (NY)

TO WHOM IT MAY CONCERN, A FEW WEEKS AGO I CAME TO CFPB THERE WAS AN INQUIRY I NOTICED WAS NOT MINE FOR A NEW TRADELINE MADE ON XX/XX/XXXX. I DID NOT AUTHORIZE OR APPROVE OF ANY NEW TRADELINE. THEY HAVE BEEN CALLING MEEVERY MORNING XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ABOUT FRAUD ON ACCOUNT. FROM SPEAKING THEM I THINK THEY ARE CONFUSED ABOUT SITUATION WITH PASSED ACCOUNTS THAT I HAVE HAD WITH THEM OR CURRENTLY HAVE. I LIKE CITI THEY ARE GOOD PEOPLE. I JUST FEEL THERE NOT UNDERSTANDING. THE ONLY THING I AM DISPUTING IS A HARD INQUIRY PULL FOR A NEW TRADELINE MADE ON XX/XX/XXXX. I DID " NOT '' APPLY FOR ANY NEW CITI CREDIT CARD, BANKING CARD, CHECKING ACCOUNT, SAVINGS ACCOUNT OR ANY OTHER TYPE OF ACCOUNTS CITI MIGHT OFFER ON THAT DATE WHICH WOULD RESULT IN ANY HARD PULL. ALL I AM ASKING IS FOR THIS HARD PULL ON XX/XX/XXXX TO BE REMOVED FROM MY FILE. AS OF XX/XX/XXXX WHEN I SPOKE TO THE REP THEY DISCUSSED PAST CARDS AND OTHER CARDS I HAVE WITH THEM BUT HAD AGREED TO REMOVE THE HARD PULL ON XX/XX/XXXX. AS OF TODAY AFTER SPEAKING TO THERE FRAUD DEPARTMENT THEY TOLD ME TO CALL XXXX WHICH TOLD ME TO CONTACT CFPC. I HAD CAME TO CFPC WHEN ALL THIS STARTED ON MY CREDIT REPORT WHEN I LOOKED AT MY XXXX   XXXX. SO I FEEL THIS WENT AROUND IN A FULL CIRCLE. ALL I AM ASKING FOR IS THIS HARD INQUIRY WHICH NOBODY HAS ANY IDEA WHAT IT IS AND CAN NOT BE VERIFIED. I WOULD JUST LIKE OFF MY HARD HARD INQUIRES LIST.I WILL ATTACH A PHOTO OF WHAT THE CREDIT COMPANIES ARE SAYING. ANY HELP WITH THIS GREATLY APPRECIATED
Consumer complaint received 2020-04-23
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. (MS)

I received a call from a collection company stating about a debt I owed on TV service. I have never applied for TV service, I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my account as soon as possible. 

XXXX XXXX XXXX {$75.00}
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Ive contacted the following creditors : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And the all three credit bureaus : Experian XXXX XXXX, To remove all late payments as I agreed to pay-to-delete and goodwill deletions with all creditors however I did not get it in writing and they are refusing to delete rom my credit. Please kindly advise.
Consumer complaint received 2023-09-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Self Financial Inc. (FL)

I am filing a consumer complaint against Self Financial Inc. ( " SELF '' ) concerning violations of my privacy rights under the Graham-Leach-Bliley Act ( " GLBA '' ). 

In XX/XX/XXXX, I entered into a cardholder agreement with SELF FINANCIAL INC . The cardholder terms did not include any GLBA-mandated notice or opportunity for me to opt-out of SELF sharing my personal financial information with unaffiliated third parties. 

In XX/XX/XXXX, upon learning SELF was sharing my information without consent, I sent written notice revoking any purported consent and expressly instructing SELF to stop disclosing my personal financial data to third parties. SELF acknowledged my notice but has continued the unauthorized disclosures. 

SELF is sharing and allowing access to my loan information, account history, and transaction data with credit bureaus, and other service providers without my knowledge or consent as required by GLBA Sections 502-503.

SELF refuses to comply with GLBA privacy requirements and honor my opt-out rights. I am very concerned about the impacts unauthorized sharing of my information could have.

SELF 's willful GLBA violations and negligent handling of my personal financial information cause me financial harm, distress, and has defamed my character. I formally request the CFPB use its enforcement authority under GLBA to investigate Self Financial and stop these unfair privacy practices.
Consumer complaint received 2024-10-27
Product: Credit reporting 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. (TX)

These inquires were not authorized by or known by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-04-23
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: Southwest Credit Systems, L.P. (TN)

In the process of refinancing my residence last week, my credit was checked by the mortgage broker. The broker informed me I did not qualify for the rate that I was attempting to lock-in because of a recent debt reported to my credit report ( reported on XX/XX/XXXX ). A cable utility company sent an unpaid debt of {$710.00} to collections. The debt was related to an account opened in XX/XX/XXXX that went unpaid. I called debt collection agency and learned it was for an account opened at an apartment complex that I moved from 19 years ago in my maiden name. I filed a formal complaint with the police department for identity fraud in the city where the account had been opened. The detective informed me today that after checking with the apartment complex and with the utility company there was no evidence of identity fraud. The person that opened the account has a name similar to my maiden name but used a different DOB and social security number. 

It appears the debt ended up on my credit report in extreme negligence because my maiden name was similar and I at one point lived in that apartment complex ( almost 20 years ago ). I've tried calling the utility company but since I don't have any of the account information and they can't find an account in my name they won't help me. I've called the collection agency and they will only tell me that it has been marked as a fraudulent account. 

At this point, I can not find anyone to confirm this will promptly be removed from my credit history. It has already cost me thousands of dollars due to no longer qualifying for a much lower interest rate on my residence. Utility companies and debt collection services should be held responsible for this type of negligence. The smallest amount of due diligence by the debt collection agency would have prevented this from happening. A lawsuit will be pending.
Consumer complaint received 2019-11-08
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. (MO)

Equifax is reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX   account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that reflects a {$0.00} balance. This incorrect reporting of lates is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this item however, I have not been successful.
Consumer complaint received 2019-11-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I dont even no where to start. My mother in-law that my husband and i own our home with she is being manipulated by SELECT PORTFOLIO SERVICING INC. there is a foreclosure date set for XX/XX/XXXX 5 days from today. 3 of those are weekend or a holiday. She called on the XX/XX/XXXX. and was told the request went in to postpone while her complaint was being reviewed. she has been calling every day since that day and is told to call back. She received 2 letters stating that her review would not be completed before the sale date. one dated XX/XX/XXXX and the dated XX/XX/XXXX. i came home to her crying last night. we have know where to go .She is XXXX years old this stress is way to much We spoke SPS again at XXXX XXXX this morning we were told they same thing i was on the line with her. they said it was sent in for postpone but she really was lying to us. she said call back on Saturday Monday is a holiday. I took the day off work to try and help with all of this. 
XX/XX/XXXX we spoke to QUALITY LOAN CORPORATION the acting foreclosure company on our home she sated no postponement had been requested and the house set to be sold on the XX/XX/XXXX. We have a letter dated XX/XX/XXXX that states no foreclosure will be held during this time. The appeal has been sent SPS along with this complaint. to them .This has to stop date manipulation so nobody has time to do anything or no other options have been given. 
XX/XX/XXXX we were told that the preforeclosure check was approved when my mother in-law asked what that meant the lady got super upset. Which leads us to believe they have no intentions of stopping the sale. They are moving forward during our appeal time. so they can just sale they have not given us any non retention offers except to get out. We are appealing a denial we received for a loan modfication which states we did not complete the paper in a timely fashion. Which is false.Im asking for help we can not possibly move out and find a place this quickly. The date manipulation is crazy that is going on with this company. We called agin this morning and they are very stern and are saying that we need to call back again later today.We feel they are rushing to complete our complaint so they do not have to postphone the sale i even heard the department say we are going try and this done before the XX/XX/XXXX so they can go to sale but the letter say something different which iwill upload. My husban and i are on title to this property have always been since XX/XX/XXXX
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc. (GA)

My husband already advised Comenity Bank that we were working with a debt consolidation company to resolve our debt and gave them our lawyers name and number. They have spoken with our lawyers but continue to call and harass us daily! Even on weekends and holidays! They call my job constantly and embarrass me and they call ALL of my family members. I dont even know how they got everybody 's number! I just want it to stop. I am developing anxiety from this and cant sleep at night due to the continuous harassment.
Consumer complaint received 2019-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

Dated XX/XX/19, I received notice from LVNV Funding LLC in reference to debt owed of {$750.00}. Please provide validation of this debt per FCRA regulations.
Consumer complaint received 2023-08-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/2022, I received a call from the scammer who pretended to be a chase employee and called from the same chase number on the back of my debit. He said that somebody was hacking my account and that he sent me a one time code. I've dealt wjrh bank employees in the past who have asked me for the one time code while fixing my accounts so I provided it to him. He then wired {$4000.00} to himself from my account. My bank did not call me to verify if it was me trying to wire the amount.

I've been dealing with Chase 's fraud department and they said all they could do was contact the bank it was wired to try to reverse it. I spoke to Chase employees who said the same situation occurred to other clients yet they received their scammed funds within XXXX hours. 

I never approved the $ XXXX to be wired and I was scammed. Please have Chase refund my scammed amount of $ XXXX. Chase knew it was a scam because they had me close all my accounts and get a new one yet they don't want to do what's right and actually reimburse my funds that were stolen and scammed from me.
Consumer complaint received 2019-11-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC (CO)

I found a collection account on my credit report from Waypoint Resor e Group for a small debt that was originally from XXXX and paid previously. 

I did not receive written notice of the debt, no phone calls and was not aware of the debt until checking my cre cfc it report before applying for a Carl loan I contacted the company who claimed they have sent several letters and and called many times. There have been no letters, phone calls. Voice mails, nothing except a collection account on my credit report. 

I paid the minimal amount. XXXX and was told that they wouldnt remove it from credit report and could take weeks to even update. 

Upon doing a XXXX search for this company, there are many online reviews of Waypoint Resources not complying with fair debt collection practices. The most common is consumers finding out about the collection account by checking their credit report.
Consumer complaint received 2019-08-09
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Credit & Collection Corporation (NJ)

XXXX XXXX XXXX collection agency has been calling multiple times a day harassing me for a supposed debt I owed to an imaging center in XX/XX/2013. I have explained to them that I am willing to settle my debt if they would send me paperwork to my address, containing the amount they would settle for to get this removed from my credit report. They refuse to send me a bill and are asking for my credit card information over the phone without any paperwork to confirm that I have indeed paid and that this will get taken off my credit report. They are extremely aggressive on the phone and filled up my entire voice mail box. The screenshots are provided in this complaint with all the recent dates, the collection agency 's number is ( XXXX ) XXXX.
Consumer complaint received 2019-11-08
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. (WI)

I was recently went to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. I got in contact with Federal Trade Commission and police. I need your help. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX  XXXX.