davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (AL)

I have these students loans on my credit report and by law thats a violation of XXXX XXXX per XXXX U.S.C. 1232g ( b ) and the date is XX/XX/XXXX Its diffrent amounts charged to my credit
Consumer complaint received 2024-02-29
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Halsted Financial Services, LLC. (MD)

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 ) Dept Of Education. 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681 c ( 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. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Consumer complaint received 2024-02-29
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: Army and Air Force Exchange Service (VA)

Please find attached my formal complaint regarding unjust and unlawful billing, credit, and collection practices of the United States of America, Army and Air Force Exchange Service, and XXXX XXXX and XXXX XXXX, who have taken or threatened to take negative or legal action as of XX/XX/2024.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MS)

Synchronys private policy under subsection With Your Consent states : We will request your permission to use or share your Personal Information for a specific purpose that is not compatible with the purposes listed here. We will notify you and request consent before we provide the Personal Information or before the Personal Information you have already provided is shared for such purpose I, the credit card consumer, has never given my written consent for my personal information to be shared with non-affiliates of Synchrony Bank. 

Synchrony Bank is also illegally reporting late payments detailed as transactions to my credit report. Exclusions as stated in 15USC1681a read Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; In summary, Synchrony Bank is in clear violation of reporting illegal items to my credit report. This has caused me a great deal of distress along with emotional and credit damage. I am requesting the removal of this account immediately.
Consumer complaint received 2024-02-29
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc (TX)

I was sent to collections early of XXXX  for an XXXX XXXX visit, but I was never seen by a medical doctor, they claimed my medical insurance said error, ( it was an active medical insurance, called them and spoke to them, everything ok, but on the hospitals side they said different ), my son was seen without any problems and we have the same private medical insurance. Although I was never seen, they still charged my insurance, crazy, even though they claimed an error, as if I didn't exist and they had no information on me but the hospital still submitted my visit without ever checking me for anything. So I was " discharged '', never seen by anyone, ( I had an XXXX XXXX XXXX XXXX XXXX diagnosed by my primary doctor afterwards ). Only the registration came in to ask for medical insurance prior to doing anything. Didn't take long for them to harass me with phone calls, letters, bills on a regular basis. I emailed them explaining the situation, but no one refuses to listen or even bother to care. Then a debt collector sent a letter, I disputed it, said to stop all communication, but every single day after " working normal hours '', I receive voicemails, my phone doesn't even ring, it goes straight to voicemail, robocall every single time, every single day, while at home, work, doctors appointment or running errands. It's a recording from phone number XXXX, by Medicredit for XXXX XXXX XXXX 's in Texas.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC (FL)

I am writing to lodge a formal complaint against Early Warnings for reporting fraudulent activity against me, which they have obtained from XXXX XXXX. It is my understanding that as per the Fair Credit Reporting Act ( FCRA ), all credit reporting agencies are required to provide accurate and complete information. It is, therefore, concerning that Early Warnings continues to report inaccurate information, as they have documented that they do not have any evidence to substantiate their claims. 

I called, faxed, and mailed early warning and let them know the information in the document included below are not supposed to be visible on my consumer report. I never gave them written consent to report them. This is aggrevated identity theft and against the law per XXXX XXXX XXXX XXXX. 

This inaccurate report is not only detrimental to my rating, but it is also causing significant personal distress. I request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly and ensure that Early Warnings complies with the FCRA by removing all inaccurate information from their records. 

I look forward to your prompt attention to this matter.
Consumer complaint received 2024-02-26
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Onity Group Inc. (FL)

. I am writing to express my concerns regarding the current state of my mortgage account with PHH Mortgage Services, bearing the account number XXXX. I kindly request a thorough review of the account in question. 
The mortgage account in question was initiated in XX/XX/XXXX by XXXX XXXX XXXX, with a XXXX term loan agreement. The original principal balance of {$160000.00} was established at that time. Since its inception, the account has undergone several transitions, including transfers to XXXX XXXX XXXX, XXXX, and Ocwen, before ultimately being serviced by PHH Mortgage Services. 
One significant event in the history of this account was a loan modification in XXXX, necessitated by financial difficulties that led to a shortfall in payments during my tenure with Ocwen. Despite this modification, which aimed to facilitate smoother repayment terms, I have encountered persistent challenges in understanding the dynamics of my mortgage account. 
As of today, after diligently fulfilling payments for 20 years, the outstanding balance on the account stands at {$140000.00}. Given the passage of time and my consistent efforts to meet my financial obligations, I find it disconcerting that the balance remains considerably high, especially considering the initial principal amount and the duration of payments made thus far. 
Despite my attempts to seek clarification from the lender, I have been unable to obtain a satisfactory explanation for the discrepancies in the account. As a senior citizen nearing retirement, this uncertainty regarding the mortgage 's status and the significant financial investment it represents is deeply concerning. 
Therefore, I humbly request a comprehensive review of my mortgage account by your institution. I seek clarity regarding any factors contributing to the deviation from the initially agreed-upon terms, as well as any potential avenues for resolution or adjustment that may be available. 
Furthermore, I would appreciate timely communication regarding the progress of this review and any subsequent actions that may be taken to address the concerns raised.
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX I called Chase bank to report fraudulent charges on my account. The night before I checked my account after a shower and saw my account was overdrawn {$200.00}, I had over {$3000.00} dollars in that account, at the time it was too late to call, so I called the following day. I called Chase and made the claim for fraudulent charges that completely wiped out my account in a few minutes. On XX/XX/XXXX chase bank sent me a letter saying they denied my claim of fraud, and that they were taking back the credit they had initially given me while they were investigating my claim. It was then that I learned that I can look at the claim details on the chase app. So I check the claim and realize there was miscommunication on the phone when I made the claim. The reason the claim taker had put on claim was refund for goods not received. I immediately called back and explained what happened with my claim. They opened a new claim with the correct reason, however it was closed soon after. I submitted a police report with the charges labeled as stolen funds. I also submitted a screenshot of the charges on my own personal account of XXXX which is the company that the thief used to buy a bunch of goods with my card. My account shows 2 items that I have purchased with them and nothing else. I have called Chase bank multiple times to correct their initial mistake when first filing the claim, however nothing has come of it.
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (FL)

15 U.S. code 1681 c-2 a consumer reporting agency shall block the reporting of any information inthe file of a consumer that the consumer identifies as information that resulted from a alleged IDENTIFY THEFT. NO CONSENT IS IDENTIFY THEFT! As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (GA)

XXXX XX/XX/XXXX - I did not give this company permission to make a hard pull on my credit. 
XXXX  XXXX This company did not have permission to make a hard pull inquiry. 
XXXX XXXX This company completely fraudulently made a hard pull on my credit. 
XXXX XX/XX/XXXX- I am completely unaware who this company is and they did not have permission to pull my credit. 
XXXX XXXX  XX/XX/XXXX XXXX I am completely unaware of this company and they did not have permission to pull my credit. 
XXXX XXXX XXXX  XXXX I am completely unaware of this company and did not give them permission to pull my credit.
Consumer complaint received 2023-08-16
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. (NC)

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 no consent is fraud.
Consumer complaint received 2023-08-16
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. (LA)

Basically ask the credit bureaus to do a verification of everything on my credit report and they did they stated that everything was accurate and you did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. in accordance to the fair credit report XXXX XXXX XXXX account XXXX has violated my rights 15 U.S.C 1681 section 602 A states that 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 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I appreciate the cooperation of the XXXX Credit Bureau for removing all but XXXX remaining fraudulent inquiry. But I can't say the same with Equifax and XXXX Credit Bureaus. While the Equifax XXXX have removed all the previous fraudulent inquiries, these specified inquiries here were unattended, and it gives me concern that they have stopped their responsibility in mainitaining my Equifax credit report clean, so I am requesting that the bureau itself provide me a written reason WHY I haven't seen any deletion after the first good one? And the MOST concerning issue was with XXXX, WHAT WAS HAPPENING with the bureau that it neglected its obligation to my XXXX Credit report? This was unbecoming of the bureau in its entirety itself. Kindly please make sure the XXXX Credit Bureaus, especially the Equifax and XXXX to remove these fraudulent inquiries, to fix my credit reports fraudulent issues : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : 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 2023-08-16
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. (NJ)

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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 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 2024-02-23
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION (IN)

I received a call at about XXXX XXXX XXXX from a guy named XXXX claiming to be from Lightstream Bank informing me that my personal loan had been approved. It was for I think $ XXXX at a 5 % rate. XXXX had a thick XXXX accent and poor customer service skills. I didnt let XXXX know with whom he was speaking with He wouldnt divulge how applied for the loan. I have never applied for a loan through Lighstream bank. He wanted to know if I still wanted the loan. After some angry conversation about bank fraud I instructed XXXX to close the loan. He said that they needed to send me a code, and then once I received the code I needed to provide it to them. If I didnt close the loan offer then he told me I would keep getting these calls. This was a phishing expedition in my opinion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TIDEWATER FINANCE COMPANY, INC. (TX)

On my XXXX report, there is a duplicate charge off with all the same dates and amounts but with a different account number. I disputed this on MY XXXX as well as my husband 's XXXX. The duplicate account was removed from my husband 's credit report but BOTH the correct account AND the duplicate account were confirmed on MY XXXX Report. I do not understand because we've only had ONE account with this company with ONE vehicle. I have redisputed the item but XXXX told me to file a complaint and add the complaint info to my dispute so that is what I'm doing. Here is the info regarding these accounts : Tidewater Motor Credit XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX Correct account is account ending in XXXX. 

Duplicate Account : Acct # XXXX Opening date : XX/XX/XXXX Last pmt date : XX/XX/XXXX Charge off amt : {$10000.00} Again, the duplicate account ( # XXXX ) has THE SAME EXACT DATES AND AMOUNTS as the correct account ( ending in XXXX. I think the whole account number for the correct account is XXXX but I am not 100 % positive since the credit reports do not give the entire account number ). 
I do not want to contact Tidewater because I do not want to begin with harassing phone calls and I do not want to accidentally " start the collections clock '' again. Thank you.
Consumer complaint received 2024-02-26
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: Upgrade, Inc. (UT)

Previously Disputed Completed XX/XX/XXXX I Don't Recognize This I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Created XX/XX/XXXX I Previously Disputed This I previously disputed this inquiry stating : " I dont recognize this inquiry by this lender, and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (CT)

This another CFPB complaint was for the fraudulent inquiry that was currently reporting in my Experian credit report. Again, as a consumer protected under the FCRA, I have the right to accurate and up-to-date credit information, and I request to the EXPERIAN CREDIT BUREAU that my rights be respected. Once again, it is obligatory that this fraudulent inquiry was fully removed immediately from my Experian credit report. I request the inquiry be immediately removed from my credit report : EXPERIAN : XXXX XXXX XXXX XXXX XX/XX/XXXX. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to block and remove any items not later than 4 business days after the recent letter dated ( XX/XX/XXXX ) was sent. It has been over several months since I initially reported these issues, and I have not received a satisfactory resolution. This delay has resulted in significant financial harm to me.
Consumer complaint received 2023-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC (PA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (FL)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.