davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-07
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: Self Financial Inc. (FL)

Self/Lead Bank violated my rights numerous of times I didnt give written permission to furnish account 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1666B : a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Consumer complaint received 2020-04-23
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Recovery Systems (VA)

I received an alert today on my XXXX account about a payday loan from XXXX and it's now XXXX. I filed a identify theft report when I found out in XXXX and it was removed and now 7 years later they are doing it again. I called directly to MidWest Recovery and was placed on hold several times and when I did get someone he was rude and acted as if he was doing me a favor. The practice of reporting old debts especially ones obtained falsely puts enough difficulty on the consumer on TOP of getting it rectified. There is no reason for these poor business practices and horrible service. I keep files of everything and I shouldn't HAVE TO when I did what I was supposed to years ago. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Consumer complaint received 2020-04-23
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Union Home Mortgage Corp (OH)

In XXXX of XXXX this company contacted us wanting to refinance our home at a lower interest rate through the VA. 
After sending paperwork after paperwork to them, they asked for more items which we sent. Then they did the title search. Then they came back and forced us to have our property split due to having 2 homes on 1 property which costs us a lot of money. 
Then they made us pay for an appraisal to be done out of pocket. The appraiser had to make a 2nd trip out to verify the improvements had been done, again costing us more money. 
All along the loan officer kept telling us everything was going great and we would be closing soon. 
Finally in XXXX I said I was going to just go with our local bank as they offered us a lower interest rate. XXXX XXXX XXXX, the loan officer told me not to do that. It was just a trick to get us in there and our loan was about to close anyway. 
On XXXX I asked what we needed to do to get this loan closed. He stated nothing, it would just be in processing for a few days and we were good to go. 
XXXX he told me they were waiting on the appraisal and he would call me on the following Monday. 
As of XXXX I had not heard anything from him so I sent him a text. He wrote back stating we were still all good to go and do not worry. 
On XXXX he phoned me to say he could not get the loan to go through as the VA had raised their points on the loan and it wouldn't work. 

I have lost money on the appraisal, I have lost money on the surveyor getting the property split ( that we would not have had to do if he would not have lied to us ). We have lost money filing everything with the courts and the county and the attorney to have the split done. 
I feel this man lied to us over and over and over. All along knowing there would be no loan and we would be out a couple thousand dollars for nothing. 
This is wrong and they should not be allowed to do this to innocent people. 
I have attached the text messages to show he was stringing us along.
Consumer complaint received 2024-10-25
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. (LA)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2023-03-04
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: EQUIFAX, INC. (KY)

In accordance with the Fair Credit Reporting act XXXX ( account # XXXX XXXX XXXX XXXX  ) ( account # XXXX ) has violated my rights. 

15.U.S.C 1682 section 602 A. states I have the right to privacy.

15 U.S.C 1682 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

( 103 true Identity theft ) Transunion File XXXX XXXX Report XXXX XXXX Report XXXX ACCOUNT NAME : XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX   Account # : XXXX ACCOUNT NAME : US DEPT ED ACCOUNT NUMBER XXXX ACCOUNT NAME : DPT EDXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX Original Creditor : XXXX XXXX ) Account # : XXXX ACCOUNT NAME : XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX ACCOUNT NAME : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ) Account # : XXXX ACCOUNT XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account # : XXXX IVE BEEN TRYING TO REACH OUT TO XXXX XXXX TransUnion BUT THEY ONLY RIGHT ME BACK SAYING ITS VERIFIED PLEASE HELP ME THANK YOU!!
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (KY)

I paid off my Macy 's credit card balance of {$310.00} by the due date in XXXX and should have a balance of {$0.00}. Macy 's sent me a statement with a balance of {$3.00} due by XX/XX/XXXX for Interest Charges. I should have no interest charge for a {$0.00} balance. Macy 's has done this before when I have paid off previous balances and I have had to call and get it removed " as a one-time courtesy. '' Macy 's should not be allowed to charge interest on any balance that was paid off on time. This practice is illegal and I would like the {$3.00} interest charge removed and my balance returned to {$0.00}.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

I was getting direct deposit to my bank account for unemployment for the first 2 weeks. It then got switched to a debit card that I was not made aware of. When the card came in the mail I shredded it bc it looked like a credit card that I had not applied for. There was no letter stating what it was for. After I found out from unemployment that was the card with my money I tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to call the bank to get a new one or to have the money transferred to my bank. I have sat on hold from 2-5 hours to be disconnected. I can not get through to the bank via phone or online. As you can imagine this is a hard time and Im trying to get access to my money so I can pay my bills. I'm begging that someone please contact me and help me get access to my money. Thank You.
Consumer complaint received 2023-03-04
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO  XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Consumer complaint received 2020-04-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have a XXXX XXXX XXXX at Capital One bank My account number is XXXX and the routing number is XXXX. I submitted a check for the amount of XXXX on XXXX and it was accepted and ctedited to my account as well as a check for XXXX on XXXX. As stated above they were accepted and credited to my account however the institution is refusing to allow me to withdraw my funds because they are going to return " supposedly ''. I was informed that it could take years for them to return. This is ridiculous. I need this money to survive in these crazy times. This is my money and I need it now!
Consumer complaint received 2020-04-23
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: CCS Financial Services, Inc. (FL)

In XX/XX/2019, I discovered errors on my credit report that was furnished by your company CREDIT COLLECTION SERV / CCs. I disputed this erroneous information directly with the Credit Reporting Bureau. CREDIT COLLECTION SERV / CCs then informed the Credit Reporting Agency that it 1 ) conducted an investigation and 2 ) the information reported regarding me is correct as reported. On XX/XX/2019, I mailed your company a dispute letter. Despite all of my objections and disputes, CREDIT COLLECTION SERV / CCs continues report this erroneous debt to at least 2 Credit Reporting Bureaus. 
Privacy Concern. COLLECTION SERV / CCs collected, processes and retained private, Personally Identifiable Information ( PII ) regarding me. I DID NOT CONSENT to Credit Collection Serv / CCs obtaining or processing my PII as this debt does not belong to me and I do not have a relationship with or provide consent to CREDIT COLLECTION SERV / CCs. Any information you may have been provided regard me has been wrongfully and incorrectly provided to you. Aside from my separate issues with the Original Debtor, you have my PII and YOU HAVE NOT BEEN AUTHORIZED BY ME TO COLLECT OR HAVE ACCESS TO MY PII.
Consumer complaint received 2023-03-04
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. (MD)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint again to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2020-04-23
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (VA)

I submitted a dispute I the bureau and to date they have nor opened up an investigation nor have they responded to my previous complaint I filed about this involving my reports. My dispute was received by them on XX/XX/2020. Here is the USPS tracking for it confirming its delivery : XXXX
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY (AR)

I have had American Express Delta Sky Miles for a while. I have the full balance once. I pay within in the 30 days and never have has anything reported. During this pandemic, I have paid XXXX and XXXX. I thought that the only payment I had left was XXXX. I call on XX/XX/XXXX to ask about a deferral due to reduction of income during COVID19. I was told on XX/XX/XXXX that evening, By the way, the representative I was talking to said they would transfer me to the hardship department and they disconnected me. So I had to call about and wait another 50 something minutes. I wrote down what they said they could offer me. My notes said they would freeze my account until XX/XX/XXXX. After that, I received a letter stating that my credit card was cancelled. My payments are due on the XXXX. I have proof to show I made a payment. Then I received a letter stating that if I had the account deleted from reports, they would no longer report it late. I assumed that they realized that they had went back on their word.
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (UT)

There is one " 30 day past due '' remark on my XXXX account. It has come off and gone back on my credit reports. I want this immediately and permanently removed. I have sent copies showing credit updates showing " before '' and " after '' where it had been removed. See attached reports from Equifax and XXXX  showing " previous '' with 30 days past due and then " current '' showing it removed.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NM)

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.

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 2020-04-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (TX)

In 2019 I had an account with XXXX at my old address of XXXX XXXX XXXX XXXX # XXXX. I moved overseas, and called to cancel my account. XXXX assured me the account was closed, but no one showed up to collect the equipment. Someone from their office using the phone number XXXX told me I was still being billed, and the billing wouldn't stop until the equipment was collected. XXXX came, and picked up the equipment and then sent the account to collections for the total of {$470.00}. I just received this collcection notice this past week. Ive included screenshots of the conversation for reference.The XXXX rep is in the gray text box.
Consumer complaint received 2020-04-23
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP (OH)

I called every number for reliacard listen and nobody answers or when i do get ahold of someone they tell me they cant help me or tell me anything. I have a XXXX  and another one on the way and have recieved 3 payments from unemployment in ohio and after the approval and all those weeks filed and paid i still have no card from them and still no answers and my bills are still there needing paid and a family that needs to eat and live. I have tried finding an email to contact them but requires an account i just want answers to where my card is so i can access the funds that are on there so i can feed my family
Consumer complaint received 2020-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX : XX/XX/2019 I wrote to the credit bureau after the company that I was trying to secure a home loan with notified me that it couldn't be approved. There was no reason for this. Well, I suggested that he send me a copy of the credit report immediately. 

XX/XX/2019 : I received a copy of my credit report and public record search from their company. This is when I saw all the inaccurate information specifically the ( bankruptcy even though the judge dismissed the bankruptcy because of the fraudulent accounts included ) Those accounts are : -XXXX   XXXX XXXX ( note I was involved in the XXXX  and XXXX XXXX data breach which exposed my information to criminals ) -XXXX XXXX XXXX XXXX XXXX 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 FILLED A CLAIM WITH THE FEDERAL TRADE COMISSION AND LOCAL POLICE ABOUT THE THEFT AND THE MISUSE OF MY NAME. 

I have contacted the XXXX courts and they have stated to me that they did not provide these agencies with this information therefore you have had more than enough time to prove this as accurate information from the courts and they have stated that they have not provided this information. Where are you getting this inaccurate information fro? I believe that this is an error and all Bankruptcy notes and bankruptcy should be blocked immediately. Attached you will see the laws that protect my consumer rights and it will be recorded with the consumer finance if you don't govern your agency by the law. I realize this could be an oversight by one of your agents, maybe they were in a rush but this is not acceptable when it affects me in a negative way, because of the negligence of an agent. Please take the proper steps to make sure this is corrected so that we can discontinue any need for court fillings or law suit. Bottom line, You knowingly provided false information and therefore are in violation of the Fair Credit Reporting Act. NO AGENT WAS PROVIDED WITH THIS INFORMATION FROM THE COURTS yet your reporting it as accurate verified information. Someone owes me an apology or money for damages this is causing. 

XXXX XXXX- The bankruptcy notes are still on my file inspite of me notifying you of the inaccurate information. I've done everything correctly as far as notifying you and giving enough time for a response and update stating the corrections being made to my file. I believe according to the fair credit reporting act I have a right to have only accurate information reporting or you violate my consumer rights. and I have already been included in the XXXX  law suit. This information is public and you can type my name in and see if for yourself.
Consumer complaint received 2020-04-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditor's Collection Service, Inc. (NY)

CREDITOR COLL SVC has posted unknown medical bills to my credit report more than 12 times for the same {$80.00} medical fee as well as an {$110.00} dollar open balance all posted on XX/XX/2017. This balance has since been resolved
Consumer complaint received 2024-10-25
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. (NC)

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report 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 ) states : 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.