davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-29
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. (NY)

I have recently had a derogatory remark added by a rogue debt collector called XXXX XXXX on my credit report. After attempting to notify and collect information on the debt, XXXX XXXX failed to provide information that would validate that I owed any debt and I asked them to provide further information if they had it, which they did not because I did not hear from them again. 

Weeks later, I see a hit on my EQUIFAX credit report showing a debt outstanding with XXXX XXXX and immediately disputed it. After a few days, EQUIFAX responded that the debt is valid and not being removed from my credit report. 

I then spent the next eight days attempting to contact EQUIFAX about this and ask them to provide any correspondence or evidence that was provided to EQUIFAX by XXXX XXXX, since EQUIFAX claimed the debt is mine, so surely they received information to prove this. 

After days on the phone with customer service and emails sent to XXXX, along with their CEO XXXX XXXX, several VPs and Customer Service Manager XXXX XXXX, I was ignored and promised I would be contacted from someone at EQUIFAX but was not. 

I have also filed CFPB complaint against XXXX XXXX and the original company that XXXX XXXX supposedly purchased the debt from. 

This false, derogatory, and incorrect information needs to be immediately removed from my credit report
Consumer complaint received 2020-01-29
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: Experian Information Solutions Inc. (OH)

XXXX  ; Experian and XXXX are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-29
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. (OH)

XXXX ; XXXX and Transunion are reporting incorrectly a current balance of {$16000.00} on the XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle broke down and was covered under the factory/dealership warranty. The dealership would not honor the warranty and consequently would not fix the vehicle. I returned the vehicle back to the dealership. I was told that there was no outstanding balance due. I was not aware there was a negative item reporting until I obtained my most recent copy of my credit report. This false reporting is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-01-29
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capital Link Management, LLC (GA)

Today, XX/XX/2020 - XXXX XXXX from Capital Link Management, on behalf of XXXX XXXX, called my step-mother and my mother first before calling me and threatened me. I'm a realtor. My phone number is everywhere. There's no reason whatsoever that she called my family in the first place. But the to add salt to the wound, she told them that there is a Civil Suit, that XXXX is threatening to file to petition for a lien against me. I have no problem talking to someone about paying my debt, but that's a personal matter that I would rather not have anyone else know about. This caused so much grief and strain. 
Also, I've received zero correspondence about the matter. Nothing written or otherwise. XXXX  asked for my email to email me, but I haven't received anything there either. I pulled my credit report and there is no evidence that XXXX has my debt to begin with. How do I know this isn't a scam? 
I asked XXXX what it is that XXXX  wants and she said they'd be willing to drop 80 % of the debt. When I asked her for a dollar amount, she told me they'd settle for {$6700.00} of the {$8400.00}. She had it screwed up.
Consumer complaint received 2019-08-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A. (FL)

Despite being current on my auto note at all times, I have received numerous threatening and overt phone calls originating from an internal debt collections department at this bank. In spite of all attempts to stop these threatening phone calls ( including FDCPA cease and desist letters ), they continue each month. I have submitted several payments that have been utterly ignored, and one even was drawn and lost, which is still missing. 

Each month, internal collections from PNC bank contacts me to harass me into making a second payment to my auto note under the threat of " repossession '' should I not make immediate payment. This is in despite of a check, money order, or bank draft being faithfully delivered on time and in full on or before the due date.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

There's addresses need to be removed from credit profile I am not connected to these addresses 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 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MRS BPO, LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear MRSBPO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that MRSBPO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for MRSBPO to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that MRSBPO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that MRSBPO will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$2100.00}.
Consumer complaint received 2020-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I opened a new account and deposited my paycheck to Huntington. Within 24 hours without being told why or that it was even happening they freeze then closed my account. After extensive questioning Im told I can go in to a branch to receive my check. Once I go in Im told I cant get my money they have to mail it to me. From day one theyve denied me access to my paycheck even after its clearing. Now Im being told that even though theyve cashed my check I have to wait a week for them to mail me a check for the funds. This has caused me extensive late fees, possible disconnect, and made my son miss his scouts events because I couldnt even get gas.
Consumer complaint received 2023-12-30
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)

These fraudulent entries have had a profoundly negative impact on my credit score, making it difficult for me to access credit, obtain loans, and even secure employment opportunities. I have followed all the appropriate procedures for disputing these fraudulent items, including submitting supporting documentation and adhering to the regulations outlined in the Fair Credit Reporting Act. Despite my repeated efforts, the fraudulent items persist on my credit report, and no corrective action has been taken. I am deeply concerned about the harm this situation is causing to my financial well-being and overall quality of life. I have attached copies of all my correspondence, dispute letters, and supporting documentation to this complaint for your reference. I expect a thorough and prompt investigation into this matter to remove the fraudulent items from my credit report. I kindly request that you provide me with a written response detailing the results of your investigation and the actions taken to rectify my credit report within 30 days of your receipt of this complaint, as required by the Fair Credit Reporting Act. In addition to the removal of these fraudulent entries, I also request that the credit bureau furnish a written statement detailing measures taken to prevent such fraudulent items from reoccurring in the future. This is crucial to ensure the protection of my credit and to prevent others from experiencing similar hardships. I am fully willing to cooperate and provide any additional information or evidence required during the investigation process. Failure to address this matter in a satisfactory manner will leave me with no choice but to pursue legal action to remove these fraudulent items and seek damages for the financial harm inflicted upon me. 

I am deeply troubled by the continued presence of fraudulent items on my credit report, despite my numerous attempts to rectify the situation. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter and take the necessary steps to promptly remove these inaccuracies. I am asking for your assistance to remove the following fraudulent items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX XXXX : {$1300.00} 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  {$240.00} XXXX. XXXX XXXX XXXX XXXXXXXX XXXX  : {$680.00} 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
Consumer complaint received 2023-12-30
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I took advantage of capital ones sign on bonus for their XXXX checking account of {$350.00} add fulfilled their requirements less than two months. 
When I tried to create the checking account through their app which I already had installed, as I have already have XXXX of their credit cards. In going through the steps to Create the account ( nowhere was I given an opportunity to fill in the box with the special code I was given before signing up. I kept going through screen after screen, hoping the app would allow me to enter the special bonus code. When I got to the submit, I was still thinking the bonus code would be on the next page and it wasnt. Nowhere in the promo did it say I would have to go through the web browser to get an opportunity to fill in the code. By applying for the checking account through the app, I was set up for failure without knowing it. After fulfilling the requirements, I started making phone calls and asked Where is my bonus money??? several agents told me they would manually take care of it, and I would get my money, but Ive been waiting for almost a month and Ive gotten nothing posted in my account. Basically, it is a scam that I felt into a trap that they knew or should have known would never be attainable through the app.
Consumer complaint received 2022-11-02
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc. (FL)

Contacted myprepaidcenter.com to get a replacement card that expired last year. The card was valued at {$84.00} as of XX/XX/21. When I found the card today it is now worth {$3.00} from fees to get it replaced.
Consumer complaint received 2023-12-30
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. (GA)

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.

has violated my rights. Or 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 2019-08-21
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: Credit Plus Inc (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX  While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : CREDIT PLUS XXXX XXXX XXXX, MD XXXX  ( XXXX ) XXXX Made by : CREDIT PLUS XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.

XXXX XXXX
Consumer complaint received 2023-12-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OK)

Portfolio Recovery, is listing one account for XXXX XXXX on my XXXX credit report. XXXX XXXX is also listing this account on my credit file/report. This account was included in Bankruptcy.
Consumer complaint received 2023-12-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (CT)

I did a loan notification in XXXX. No cash.They did the modification at {$150000.00}. I wasnt even {$10000.00} behind by the time of the modification. They took some funds from my loan and placed it in a non interest bearing loan for {$31000.00}. And now with a forbearance I owe {$54000.00}. along with my mortgage of {$94000.00}. How do I owe more than I did in XXXX. My loan in XXXX XXXX XXXX the balance was {$130000.00}. in XXXX  my balance was {$140000.00}. I was under the understanding that the modification was to help not add {$30000.00} more to my debt which doesn't make since since It was now at a XXXX  loan. And, I started at {$200000.00} in XXXX. So in XXXX  yrs Ive paid less than {$55000.00}. of my loan. 

In reviewing previous payments I found multiple late fees charged a month. Late fees multiple times in one month and all different rates. At different rates and fees for calling my payments in all double charges. Charged XXXX fees XXXX XXXX fees the same day. 
. 
My forbearance for XXXX  months at {$950.00} came out to {$18000.00} I emailed them multiple times to review my acct and they just keep telling me its fine. How am I getting charged multiple fees multiple times a month and months I didnt even get principale payment unless I paid over the mortgage amount. I've spoke with them as well and they just say those are the fees.

Im confused about this and would like clarification as to what has happened and what is going on with this loan. 

Thank you XXXX XXXX
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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 : XXXX  XXXX Account NumberXXXX 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 2020-01-29
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.