davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-19
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. (CO)

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX/DOFED {$1000.00} LAST REPORTED XX/XX/year>2024 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2023-04-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (AR)

I and my sibling were renters in an apartment complex and failed to give our 60 days vacate notice. Our lease agreement states that we " will be responsible for an additional months rent '' ( $ XXXXmonth per lease agreement ) if the vacate notice was not given, yet we were charged an 'Insufficient Notice Fee ' of {$1500.00}, which is over double the {$730.00} monthly rent. While we agreed to jointly bear the responsibility of said debt as our two names were on the lease, we were not in the financial place then to pay the amount the apartment company was asking. We mutually agreed to let the bill go to collections and we would revisit it at a later date when our finances would allow. 

During this time the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, sent the bill to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I contacted said Law Office twice on XX/XX/, once shortly before XXXX XXXX and then again around XXXX. I was transferred to the same employee each time. 

During both calls, I explained that I wanted to pay my half of the total debt ( {$900.00} ) while I was on the phone and to have it taken off of my credit report. The employee stated on each call that " we don't get into personal matters '', " it's not possible to split the debt up '', and " there is no such thing as half of the debt. '' I was then told that I could pay 50 % of the total ( {$900.00} ) and the collection would be marked closed, on mine and my siblings credit reports, or I could pay 80 % ( {$1400.00} ) of the debt and it would be closed and removed, again from both mine and my siblings credit reports. 

I tried to explain that that was not fair as I would be paying at least half of the debt and the other debtor, my sibling, would not be paying anything yet would still be reaping the benefits of having the collection come off of his report. I was told " and it would work the same way if the other party was calling to pay the debt. '' I asked the employee to acknowledge the fact that " no matter who was paying the debt, it would be unfair as the other party is not paying anything and still reaping benefits. '' The employee then said " we went into a business to make money, not to be fair. '' I admit, at this point I lost my patience and asked " Then you do realize what a [ expletive ] business you work for? '' The employee began to mock saying that I can " call back when you have the {$1400.00}! '' I replied " I'll pay the {$900.00} right now. I have my debit card in my pocket, I'll pay the {$900.00} and you can just close the account. '' but the employee repeated themselves, laughed quietly, and then ended the call. 

As there are only two people on this debt, I feel it is an attempt to collect money that I do not owe if I want this taken off of my credit report. I should not be made to pay 80 % of a debt to close it and have it off of my credit report if there are two parties responsible for the debt.
Consumer complaint received 2023-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please delete these accounts.
Consumer complaint received 2023-04-28
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-14
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC (CT)

TRANSWORLD SYSTEMS INC has tanked my credit with their derogatory mark, yet have not tried to contact me properly. Constant phone calls with no messages left. I do not answer numbers I do not recognize, so I send them to my voicemail. No letters in the mail either. Only way I tied them to the debt I have been disputing with my light company was when they tanked my credit with their derogatory mark on my credit which I monitor. 
I have also reported them to my light company to let them know that who they contracted for debt collection, is practicing deceptively.
Consumer complaint received 2023-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

They are charging excessively on the interest where I cant pay down my debt even this year Ive paid almost 2 thousand in interest for {$4000.00} debt. Its criminal what capital one is doing and not even being able to help even though I have a prefect payment history.
Consumer complaint received 2024-12-04
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (TX)

XX/XX/year> - {$89.00} - Called to complain about interest charge on XXXX statement as account is on autopay. I was told their system made the payment a day late and charge would be and was reversed. However, I was concerned that this may have happened to others who did not see the interest charge and paid it. The charge is not conspicuously displayed on the statement. The reversal was not automatic. A call was necessary. 
XX/XX/year> - {$92.00} - Called again to complain about interest charge on XXXX statement as account is on autopay. The autopayment was on time. After XXXX minutes on hold I was given no explanation for charge but the charge would be reversed. However, I am concerned that this may have happened to others who did not see the interest charge and paid it. The charge is not conspicuously displayed on the statement. The reversal was not automatic. A call was necessary. This is the second month in a row this has happened and it seems the credit card company ( Synchrony Bank ) stands to make much ill-gotten gain from these recurring erroneous interest charges.
Consumer complaint received 2018-10-10
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: United Docu Prep, Inc. (TX)

I received a call from United DocuPrep on moday XX/XX/XXXX like at XXXX where they told me that they were can I consolidate my student loan they even told me that they were going to remove {$190.00} from my bank account for 3 months and approximately {$19.00} or {$20.00} starting on XX/XX/XXXX. For a moment I didn't even think about that that call could be a scam. XXXX XXXX is the company that lent me my student loan. I feel so stupid for giving them my information
Consumer complaint received 2018-10-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ZINC Financial, Inc., (OH)

There are delinquent taxes against the property I've recently acquire ( Delinquent Tax Bill attached ). Neither the lender ZINC financial, or XXXX XXXX XXXX  XXXX   are taking ownership of the issue as they both keep pointing fingers to each other. In fact, XXXX XXXX now wants me to absorb the cost of the delinquent taxes I do not own. 
This is the second complain file against ZINC ( CFPB complaint XXXX attached )
Consumer complaint received 2024-11-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (OH)

Hi, it's Citi Bank AGAIN the company isn't fair! I'm still have problems about the other complaint. I've waited for this problem to be resolved now there telling me they can't file another dispute about a air conditioner I didn't receive! back in XX/XX/year>. They are the pits! Please help again asap thanks!
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO. (PA)

{$7900.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX   XXXX after funds hit my account. 

{$15000.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested gift cards for XXXX XXXX XXXX    XXXX funds hit my account. 

{$6500.00} Authorized by PO XXXX to my Credit Card from JP Chase account on XX/XX/XXXX. Transaction was cancelled after I purchased requested ( 5 ) XXXX XXXX 's for XXXX XXXX XXXX   XXXX after funds hit my account. 

The first ( 2 ) POs were approved to pull from the XXXX XXXX accounts. When they bounced, XXXX XXXX authorized me to put ANY fund necessary to accrue for the bounced funds and be properly paid through the JP Chase Account ending in XXXX. 

Purchased orders were given as well as a commission for my procurement project given to me.
Consumer complaint received 2023-04-28
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. (PA)

Today, I am filing this CFPB Complaint to notify you that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, Credit Reporting Agencies are mandated to delete all accounts and information listed on an ID THEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in blocking the erroneous information being posted on my report. The items in question are as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I affirm that I did not open any of these accounts or give anyone permission to do so on my behalf. I am convinced that this is an identity theft case, and I am taking measures to report this to the authorities. According to FCRA Section 605B ( a ), CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.
Consumer complaint received 2024-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (FL)

on XXXX on XXXX up to XX/XX/2024 i notice money was being taken out of my account causing three accounts to go delinquent due to funds taken without my knowledge. it was out of my control i enclosed a copy of identity theft report and sword affidavit that i am taking the proper measures to protect myself THERE IS ONE ADDRESS LISTED WHICH I NEVER LIVED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX PLEASE DELETE OFF MY RECORD
Consumer complaint received 2018-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP. (CO)

On XX/XX/XXXX18 we called in for a payoff amount. We were given an amount of {$2000.00}. We electronically made that payment. At the time of the inquiry we asked when can we expect to receive the escrow money and lien releases. We were not told at the time that the escrow money was included in the pay off amount. We received the lien release and a check of {$2.00}. We called in today to inquire once again about the escrow balance of {$870.00} We were told it was included in the payoff amount.

We have paid off other mortgage 's in the past and never has the escrow been included in the payoff amount. It is a separate account and should be explained up front that the escrow is part of the payoff. We feel this is shady at best and may need to be investigated by the proper authorities.
Consumer complaint received 2023-04-28
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. (MN)

I want this late payment deleted from my account within XXXX days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$4500.00}
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (ID)

An account I had went to collections after I moved. After I was made aware it went to collections and was placed on my credit report, I paid the balance in full. The payment was made XX/XX/2017. I have contacted collection agency asking them to report it the all credit bureaus as paid in full. I have sent copies of the cleared check from my bank to all credit bureaus with a letter asking them to update account to paid in full. I have disputed the item with all credit bureaus in excess of 30 times still getting the same response as before. The account is paid in full. They have all necessary documentation showing that it was paid in full. It needs to be updated as such asap.
Consumer complaint received 2018-10-10
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: SYNCHRONY FINANCIAL (IL)

XXXX client, XXXX XXXX is a victim of identity theft. She was notified of an application submitted to XXXX XXXX for a XXXX XXXX credit card without her consent. An inquiry was made into her XXXX, XXXX and XXXX credit reports XX/XX/2018. Also an application for a SYNCB/XXXX   account was submitted and an inquiry was made into her XXXX, XXXX  and XXXX credit reports XX/XX/2018. While no accounts were established the inquiries are still being reported to the credit bureaus. Official disputes of these activities were provided to each organization ( XXXX XXXX XX/XX/2018, SYNC/XXXX  XX/XX/2018 ) and as of this date, neither have provided an update as to the status of the investigation of these matters. This is a violation of FCRA and my client 's consumer rights.
Consumer complaint received 2023-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MI)

On XX/XX/2023, I mailed a certified letter to the company XXXX XXXX XXXX XXXX, in regards to an alleged collection account on my consumer report. Also on XX/XX/2023 I made a complaint on this platform portal that the companies XXXX XXXX XXXX XXXX  and EXPERIAN were negatively affecting my consumer report by reporting false and inaccurate4 information of this alleged collection Account # XXXX, on my behalf. It has been well over the allotted timeframe of response and verification, pursuant to 12 CFR 1006.34-Notice for Validation of debts must be within five ( 5 ) days. Being that either of these companies can not validate, prove and provide the authenticity of this alleged collection account, under federal law and to, my fair act consumer rights, this alleged collection account # XXXX is to be immediately removed from my consumer report, along with a written letter to my home address stating that this alleged collection account is removed. I am not sure where this alleged account came from and I don't know who it belongs to, however this alleged collection is not mine. This action will be taken to federal court, as it is against my consumer rights of unfair practicing and false reporting in regard to 15 USC 1692 validation of debt, and Fair Credit billing act. Once a consumer files a complaint to the Consumer Finance Protection Bureau, that the company must respond. The XXXX XXXXXXXX XXXX XXXX company HAS NOT and IS NOT responded by mail or consumer portal. I humbly demand a removal of this alleged account that does NOT belong to me, removed. Attached are Exhibits A and B, of the Debt Verification certified letter with return signature to the company XXXX XXXX XXXX XXXX with evidence that this company has received the document and signed for it.
Consumer complaint received 2018-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (CO)

My obligatory student loan servicer, XXXX XXXX, has once again, for third straight year in a row, refused to certify my employment eligibility for the Public Service Loan Forgiveness ( PSLF ) program based on alleged and non-existent errors in my annual paperwork. This is the second consecutive complaint I've submitted to the CFPB on this exact same set of facts ( ref : XXXX ). At this point, it is starting to seem like either gross incompetence or intentional obstruction of access to these benefits, and I would like the XXXX to investigate. I also note that XXXX XXXX does not have an a customer complaint process that reports back results to the customer ( " it's an internal matter, '' according to the representative I spoke to, XXXX ( XXXX ID XXXX ) ) so CFPB is the only recourse available, and the only way I have obtained any remedy in the past. 

To briefly recap the now all too familiar facts ... each year I submit an Employment Certification Form ( attached ) as recommended to record my progress of making the XXXX qualifying payments needed to have the balance of my loan forgiven. Each of the last three years, XXXX XXXX rejects my certification, claiming some sort of nonsensical error in the dates of my employment. This year it was that my employment end date preceded my employment start date ( see attached letter ), which is ludicrous since I have no employment end date as I am still working at the same employer I've been at for the last four years. I called XXXX XXXX to rectify this and all I get is an unaccountable runaround and an assurance that they will reevaluate my paperwork and look into the problem. While I certainly want their processing error here corrected, I also want this to stop happening, and I worry what this pattern of incidents portends for the day I actually apply to have my loans forgiven. As has been widely reported in the news, quite a few borrowers have been surprised by XXXX 's XXXX hour revelations that their loans are suddenly not eligible for forgiveness and I do not want to be one of those cautionary tales. 

I implore you to take a hard look at XXXX 's internal policies, procedures, and training around how its customer 's access the PSLF program. Based on my experience, it seems that they put more effort into obstructing access than facilitating it. We have no choice in who services our student loans and have no way of compelling them to act in our best interests, so the CFPB is our first and last line of defense against this monopolistic entity. Please hold them accountable to their customers.
Consumer complaint received 2023-04-28
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: MicroBilt / PRBC (formerly CL Verify) (IA)

XXXX filed a complaint with XXXX XXXX for illegally obtaining information about me and reporting it to credit bureau concerning a public record.that the company said it verified from the bankruptcy court