davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-18
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Performant Financial Corporation (CA)

During the process of trying to set up a repayment plan with my collector, XXXX XXXX at Performant Recovery Inc, I had to end the phone call on XXXX XXXX, 2016. I informed him that I would call back when I had the time to talk and go through the rather lengthy process of providing all of my financial information needed for the plan. 

Not long after ( XXXX XXXX, 2016 ), XXXX calls my employer looking for me ( I never provided this information nor gave permission to do so ). Furthermore, I never received any phone calls from XXXX since our last conversation on XXXX XXXX. I have shown no signs of evading this loan and have shown willingness to set up a payment plan. 

On XXXX XXXX, upon being notified from my employer, I call XXXX. Frustrated, I ask him why he calls my employer and he tells me that he has tried to contact me multiple times. Rather than hearing my complaints, he tried to minimize the situation and bring the conversation to the focus of paying my debt. When I told him that I would be willing to proceed if he can furnish proof that he has called me ( so that I could confirm with my phone carrier ), he fell silent and " did some research '' to say that he was wrong and he never contacted me. 

Now I am put at risk of losing my job or being perceived in a negative way at work due to this incident.
Consumer complaint received 2017-07-07
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

on X/XX/2017 Sent a letter to CommonWealth Financial Systems inc. ( letter attached ) requesting back up on the debt they are reporting on my credit report. They replied back ( letter attached ) that I  needed to call w/social security # 4 digits/date of birth etc ... so they can properly identify me. I find this a bit disturbing that they clearly have this information since they are able to report on my credit - I will NOT call their office to verify my information. In my letter I also stated do not try to collect this debt which I do not know what it is for until they provide back if you notice at the end of the letter from the it states this is an attempt to collect a debt and used for this purpose. <P/>Last 4 digit of my social in next step - once again they should have this information since they are reporting. <P/>I find this is a tactic to continue to report & absolutely ridiculous this is my 2nd complaint - it was closed due to the company stating they can not verify my identity or the debt.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I closed the XXXX XXXX XXXX account in XX/XX/XXXX and it is still reporting on my XXXX XXXX and XXXX and Experian credit reports.
<P/>
They said they closed these accounts but they are still reporting on my credit report as of XX/XX/XXXX.
Consumer complaint received 2016-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (NY)

I made an overpayment on my student loan nearly a year ago. At that time, the customer service representative indicated that it would reconcile at some point ( there was no clarity as to when this would be ). Nearly a year later, I am still stuck in the paid ahead status and the {$400.00} continues to revolve through each billing cycle. When I asked the customer service representative which federal agency I could file a complaint with about the loan servicing company, I was told, " I do n't know. '' When I asked to speak with the customer service representative 's supervisor, I was put on an extended hold. During that time, I searched on XXXX and found the CFPB 's website/complaint form. Student loan recipients should not have to argue with a servicing company to figure out how they can properly file a complaint with the federal government. 

Lastly, I have emailed XXXX numerous times through their online email application on the lending portal ( while logged into my account ). I have NEVER received a response to ANY of my emailed complaints or requests to XXXX. That 's beyond unacceptable.
Consumer complaint received 2017-01-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: A.R.M. Solutions, Inc. (PA)

The collection company keeps calling our business, employees, and their relatives after the written dispute of debt. The first notification of the alleged debt was received by our business on XX/XX/2016. The certified letter disputing that debt was sent to the collection company on XX/XX/2016 and was received by them XX/XX/2016 according to post office records. The debt verification still not provided, and abusive calls continue.
Consumer complaint received 2016-12-27
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: American Coradius International LLC (MN)

I recently received a debt collection letter for a debt through XXXX. I have not had an active XXXX Account since 2007. I contacted XXXX about this, and they said I do not have an active account with them. 

So I am sending a dispute letter requesting verification of this debt. 

I did some research, and it appears they are sending this letter out randomly to current and former XXXX account holders. It appears it is a collection scam. https : XXXX So I am filing a complaint before they try and hurt my credit.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2016-04-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

My email account was hacked. I have XXXX hard hit inquiries to XXXX XXXX and XXXX hard hit inquiries to XXXX. Does n't this seem odd to you? I already have XXXX XXXX XXXX credit cards. These transactions were not submitted by me.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I recently purchased a credit monitoring plan online and was shocked to see an account from a company that I had never used that had been turned over to a collections company. I called the collections company and they attempted to collect the debt listed, which is NOT mine and I explained that to them. They said to call the original creditor and I did that. When I called the creditor, XXXX ( XXXX ) a telephone/cable company, they took the account number that I had been given by the collections company ( XXXX XXXX XXXX ) and asked some information. They did NOT have my SSN, they had an address at which I have never lived and they had a DL # that did NOT end in the same XXXX digits as mine does and the last XXXX of the SSN did not match mine. HOWEVER, this item is showing up on MY credit report, saying I owe roughly {$480.00} and that it has been turned over to a collections agency. My concern and question is, HOW is something allowed to be placed on my credit report ( both Experian and XXXX ), and negatively affect my credit, if they do n't have my SSN? I am being passed from XXXX to the collection group, XXXX XXXX XXXX and all they want to do is to try to collect on the outstanding debt that is NOT mine. I need help.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Entry To Whom It May Concern, I am writing to formally dispute an inaccurate late payment entry reported on my credit file. My personal details 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 XXXX XXXXXX/XX/XXXX. This information is erroneous and violates my rights under the Fair Credit Reporting Act ( 15 USC 1666b ), which protects consumers from inaccurate reporting. 
I have thoroughly reviewed my records and can confirm that the payment in question was made on time. I demand a prompt investigation into this matter, as I am entitled to accurate reporting under federal law. It is unacceptable that such misinformation could adversely affect my creditworthiness. 
I expect your investigation to be completed within the next 4 business days. Failure to address this dispute promptly will leave me no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Please find attached copies of relevant documentation supporting my claim. I expect a written confirmation of your findings and a complete update of my credit report upon resolution of this matter. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

So I was sent a promotional code to get a capital one card. I got approved for the card. I called to activate my card. I was then transferred to the fraud department. As told to me that thousands of others used that code. However that does n't apply to me what thousands used when I was sent a card. However I was transferred to the manager and all that was needed from me was to show proof of my identification so I scanned and sent my social, and driver license that has proof of my address. So my card was activated. The next day I used my card however I tried to make a purchase yesterday after I got off work and tried to make a small gas purchase my card was declined. I called capital one and it was told to me my account was closed. I spoke with a representative and then ask for a supervisor as told to me from the supervisor there 's nothing no one can do about my account being closed. However the day I was approved for the card I got a hard inquiry on my credit report. I received my cycle date, my payment date, and the ending of the o % interest rate date. I sent in my personal information to verify that it was me that applied for the card. From reading the Credit Card Act of 2009 I think you guys not only broke the law but violated the Act.
Consumer complaint received 2016-12-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NY)

I SEE XXXX LATE PAYMENTS REPORTED ( CREDIT ) IN MY MORGAGE AND I HAVE ASK THIS BANK FOR THEM TO MOVE THE DUE DAY OF MY MORTGATE TO THE XXXX OF EVERY MONTH OR BECAUSE I GET PAY ON A BI-WEEKLY BASIS. I AM STILL PAYING FOR MY MORTGAGE AND THIS IS NOT FAIR.
Consumer complaint received 2017-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC. (SC)

I have been a customer in good standing with Kay Jewelers for 6+ years. I have never been late on a payment and have earned one of their highest credit limits. In XX/XX/XXXX, I purchased wedding bands from Kay and the balance ended up over {$7000.00}. I have paid {$360.00} every month for the past twelve months and the minimum payment has not gone down. I called today ( XX/XX/XXXX ) to inquire if the minimum payment would ever go down and the lady I spoke with said that it would not, I had 17 more payments of {$360.00}. I verified that it was still a credit card/ revolving account and not an installment loan. She said that was correct. I asked what would happen when I paid the balance down to {$500.00}, what would happen then- she said it 'd still be {$360.00} per month til it 's paid off. She transferred me to her supervisor who repeated the same things. I asked the supervisor what would happen if I bought something else from Kay, she said it would still be the {$360.00}. She offered to lower my payments to {$210.00}, but said that it would remain {$210.00} til it was paid out. She asked what I was trying to do, I told her that I expected my account to be like it had in the past prior to my very large purchase - as the balance went down, my minimum payment went down. I believe I was fooled about the terms of my account and the payment options. I told the supervisor that I can and will pay the {$360.00}, but I should not be required to pay that amount for a set term until payout because that would be an installment loan- requiring a contract I never signed. She insisted that their policies have never changed, all of their credit accounts work this way and they do it for the " good of the customer '' to insure the customers do not pay much in interest. I finally just agreed for them to lower the payment to the {$210.00} and I will try and pay the account out within a few months. However when I went online to set up the payment- it said total due was {$210.00}, minimum payment was {$360.00}. I selected the {$210.00} option and when I went to process it, it showed I 'd have a late fee. I will probably end up paying the {$360.00} to protect my credit, but there should have been a better resolution.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US C
ode 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-10-08
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. (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. 

XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account XXXX  ( not accurately reported ) XXXX XXXX- account XXXX XXXX XXXX  XXXX XXXX ( not accurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( not accurately reported ) XXXX XXXX account XXXX  ( not accurately reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- account XXXX ( not accurately reported ) XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( not accurately reported ) XXXX XXXX-account XXXX  XXXX not accurately reported ) XXXX XXXX XXXX XXXX ( not accurately reported ) 15 U.S.C . 1681 Section 602 A. States I have the right to privac

y 15 U.S.C. 1681 Section 602 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 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 knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I disputed an inaccurate XXXX account with Trans-Union multiple times but they failed to investigate the dispute because of mismatching addresses. This caused many XXXX as I tried verifying my address multiple times to no avail. I decided to contact XXXX and they said they could n't find the account in their database. With that in mind, the XXXX representative named XXXX said that she will contact all XXXX credit bureaus to get the account removed. Today I ordered my Trans-union report and the inaccurate account is still reporting for more than a year ; since I started disputing the account. This is frustrating because XXXX and XXXX are not reporting this account.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-08
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. (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 XXXX Account Number : XXXX Account Name : CCB/CHLDPLCE Account Number : XXXX Account Name : CCB/OVERST Account Number : XXXX Account Name : CCB/ULTA Account Number : XXXX Account XXXX : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX OF XXXX Account Number : XXXX Account Name : XXXX & CO Account Number : XXXX Account XXXX XXXX XXXX Account XXXX : XXXX and 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.