davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
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: CL Holdings LLC (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear JEFFERSON CAPITAL SYST, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state law concerning identity theft and consumer protection. It has come to my attention that
JEFFERSON CAPITAL SYST

has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as stated in the FCRA, mandates that consumer consent is required for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, under Missouri law, specifically
570.223 o

f the Missouri Revised Statutes, identity theft is strictly prohibited, including the unauthorized use or misuse of an individuals personal identifying information. The unauthorized access and reporting of my credit information without consent could be considered a violation of this statute, alongside the federal FCRA provisions. I assert with certainty that I have not provided consent
for JEFFERSON CAPITAL SYST to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights, resulting in potential damage to my creditworthiness and a disregard for both federal and state laws.

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

This is a formal demand for compliance with both federal and Missouri state laws, protecting consumers like myself from unauthorized and damaging credit reporting. I expect your immediate attention to this matter and anticipate that JEFFERSON CAPITAL SYST will promptly rectify these violations, respecting my rights under the law.

Done in good faith.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Systems,Inc. (TX)

Under the Fair Credit Reporting Act ( FCRA ), Section 605 ( b ) deals with the procedures for the correction of inaccurate or incomplete information on credit reports. This section outlines the rights of consumers to dispute incorrect or incomplete information with the credit reporting agencies and the responsibilities of those agencies to investigate and correct any errors. 

Heres how you might structure a dispute letter referencing FCRA Section 605 ( b ) to address an issue where financial information was reported without your knowledge or consent : -- - ** [ Your Name ] ** ** [ Your Address ] ** ** [ City, State, ZIP Code ] ** ** [ Email Address ] ** ** [ Phone Number ] ** ** [ Date ] ** XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ** XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ** XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Dispute of Unauthorized Financial Information FCRA Section 605 ( b ) ** Dear Sir/Madam, I am writing to dispute the inclusion of inaccurate and unauthorized financial information reported by National Credit Systems on my credit reports. This information was added without my consent or knowledge, and I am requesting its immediate removal under Section 605 ( b ) of the Fair Credit Reporting Act ( FCRA ). 

**Details of the Dispute : ** - **Name : XXXX XXXX - XXXX*Date of Birth : XX/XX/year> - **Social Security XXXX - **Current XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX - **Disputed Institution : XXXX XXXX XXXX XXXX - XXXX*Account Number ( s ) in XXXX - **Nature of the Dispute : ** Unauthorized reporting of financial information plus would not release any information til I verified my info. Reporting date is XX/XX/year>- attached is the last 2 places I lived According to FCRA Section 605 ( b ), consumers have the right to dispute inaccuracies and incomplete information on their credit reports. I did not authorize the reporting of this information, nor do I have a purchase agreement or any relationship with National Credit Systems. 

Enclosed are copies of the following documents to support my dispute : 1. A copy of my government-issued ID. 
2. Any other relevant documents proving that the information is unauthorized. 

Please conduct an investigation into this matter and ensure that the unauthorized information is removed from my credit reports with XXXX, XXXX, and XXXX. I request written confirmation of the removal and an updated copy of my credit report once the issue has been resolved. 

If you require any additional information or documentation, please contact me XXXX or via email XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp. (NJ)

I became late on my payments and when I tried to make a payment online as I have always made this way, has now been removed. When I reached out to them via email on several occasions the only option that was given was to call. Ten times a day I get a link via email to make a payment and then the link tells me call. I can not call at this time as I am out of the country and I have let them know this on multiple occasions and still the only solution they give is for me to call to make a payment.
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MO)

I 've submitted more than a few request for deletions by phone and by mail for all three of the credit bureau, XXXX, Equifax & XXXX. Effective XX/XX/XXXX law went into effect regarding the removal of public records and tax liens from credit reports, that if an item is on your credit report if must reflect Name, Address, Social Security Number/and /or birthdate this was issued from XXXX XXXX XXXX XXXX XXXX XXXX which became law. None of these  credit bureau have that information which has been made law and the records should be deleted from my credit file. 
In the same request I 've asked the three above listed credit bureau to provide me with a copy of the application or any verification that has listed negative information on my credit reports, specifically inquires made on ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ' & XX/XX/XXXX. ( Equifax ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. ( XXXX ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX.
To date I have not received this information and again they are  stating they will not provide any verifications. There is also negative information reporting from a XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, & XXXX XXXX account ending in XXXX, I have ask for verification paperwork to be sent to me and requested that it be deleted, the credit bureaus have refused and is not in compliance with the RECORD KEEPING REQUIRMENTS, Section 609. The 15 U.S. COde 1681g-Disclosure to consumers requires CRA 's to disclose the sources of  information regarding the negative events that are being reported by your agency upon request by the consumer. The credit bureau are regulated by the government due to the nature of their business. 
I am asking that all the above injurious items be deleted from my credit report from all three of the credit bureaus XXXX, XXXX & Equifax. 

" Great minds discuss ideas ; Average minds discuss events ; Small minds discuss people '' ~selah~
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (OH)

I am writing to formally dispute the inaccurate information reported on my credit report regarding my Credit Card, account XXXX have identified that late payments have been incorrectly reported, negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( correction of inaccurate information ) and 15 U.S. Code 1681s-2 ( responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided
Consumer complaint received 2017-08-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (MN)

I discovered several accounts had been opened in my name with out my knowledge or consent. This XXXX in particular was with XXXX, I contacted them immediately through their online chat feature on or around XX/XX/XXXX and explained it was not my account, it was opened by my XXXX XXXX. They continued to try and keep the account active, and they stated it was paid in full and the XXXX month contract had been long since met, but would not give me exact dates. They also stated that I owed no monies & I said of course I do n't as I never opened the account, this is fraud and Identity Theft. Finally the CSR stated that it was indeed identity theft and services would be stopped immediately. 

Much to my surprise less then a week ago aroundXX/XX/XXXX, a collection account showed up on my credit report for XXXX by a debt collection company in the amount of {$300.00}. I was never contacted by mail or phone. This is the only bad debt or derogatory remark on any of my reports. It needs to be removed. Please help me, this truly is not my account. I believe this could be a mistake, but I also believe the credit collection agency did n't contact me at all because they know its fraud/identity theft and this is a way to bully me into paying for something that is not my responsibility. 

Here is the Collection agency info and how it appears on my credit report. 

Creditor Name SW CREDIT SYSTEMS L.P. 
Account No. 
XXXX Original Creditor XXXX XXXX XXXX Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date ReportedXX/XX/XXXX Remarks Placed for collection
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: USI Solutions Inc. (IL)

A rep for USI Solutions contacted me Friday threatening to sue me for a XXXX XXXX account XXXX that is more than 7 years old and past the statue of limitations. i explained to her the account age and asked her not to contact me, today i received a letter in the mail stating if i do not make arrangements to pay them within 30 days they were going to file a judgement against me which is illegal because of the SOL law.
Consumer complaint received 2017-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC (PA)

Pacific Union Financial LLC Borrower : XXXX XXXX XXXX Secured Property : XXXX XXXX XXXX XXXX PA XXXX Loan # : XXXX I suffered a no fault job loss in XX/XX/XXXX. I immediately notified my lender of my situation. I filed a previous complaint due to the difficulty I had in communicating with my lender to receive a special Forebearance Agreement as requested. Once the CFPB notified Pacific Union of my complaint, I was granted the Forebearance Agreement. This agreement was for XXXX months ( XX/XX/XXXX through XX/XX/XXXX ). 
I applied for a loss mitigation and submitted a complete package onXX/XX/XXXX reflecting my then recent and new re-employed status. I am 100 % sure my application was submitted complete, because I used the exact same format that they had marked as complete in XX/XX/XXXX when they required me to submit the loss mitigation application in order to get the Forebearance Agreement ( even though it made no sense at that time because I had no income to be approved for a mod back in XX/XX/XXXX ). 
On XX/XX/XXXX Pacific Union paper mailed me correspondence that did not reach my property address until XX/XX/XXXX requesting documents that had already been submitted. The letter said I had until today, XX/XX/XXXX to submit the complete loss mitigation application. I resubmitted as requested on XX/XX/XXXX, ( 2  days after receiving this letter ) I have had no update on my loss mitigation application ( approval, denial, or confirmation of the application being complete - even though it was submitted complete initially on XX/XX/XXXX.
On XX/XX/XXXX Pacific Union Financial filed an Action for Foreclosure against me for the property at XXXX XXXX XXXX XXXX PA XXXX, Is this not in fact  Restricted Dual - Tracking? 

Please advise. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2017-08-29
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ZWICKER & ASSOCIATES (FL)

I informed XXXX XXXX XXXX that I lost my job after being hospitalized in XX/XX/XXXX. I had no means to satisfy the debt. They continued to call me 3 to 4 times a day. The credit card in question was never applied for. We had never signed a contract. I called Zwicker & Associates PC after I was served with papers at my home informing me that they were representing XXXX XXXX in a lawsuit against me for the credit card balance owed. I offered to pay {$100.00} a month to satisfy the debt, they refused and said they would pursue suing me. I was told by XXXX XXXX that I would need to find someone else to pay the debt for me. That they would not accept a payment agreement unless I paid half the sum owed and an exorbitant monthly fee. I asked to speak to someone else. He said no one else would be able to help me, not the attorney 's at his office, or anyone else higher in his department. He said that there was no agreement to be made and the attorneys would be suing me unless I paid the balance in full or put {$3000.00} down and paid almost {$400.00} a month.
Consumer complaint received 2017-08-29
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TMX Finance LLC (MO)

XX/XX/XXXX. I was contacted by title max about my payments. I am behind XXXX payments on my loan due to my XXXX leave. I talked to XXXX on XX/XX/XXXX and was told come in I have the refinance option. I came in on XX/XX/XXXX to do the refinance and found out I needed to pay the past due amount of XXXX and bring the vehicle to refinance. I told them I should have been told this on the phone and I did n't have the funds I get paid the following week. They asked if I could borrow I said no and I was rudely walked to the door. Monday XX/XX/XXXX XXXX called and asked when I could pay. I told her again I thought I could refinance. She said you can but how do I know your going to pay going forward. I explained why I was behind and explained I came to the store with full intention to bring my loan current. She replied with a smart remark and I stated she was making me angry and that I 'm trying to be respectful. She stated oh I am making you upset. I said yes and she said I 'm messing with her money loudly in my ear I explained I owe XXXX XXXX and she said I 'm messing with her money. I ended the call. I feel like Im being harrassed even after making attempt to get current. I was given misinformation which is why I 'm still past due. I do n't appreciate the girl speaking to me the way she did when they messed up. I told them my pay date and even tried to ensure I would be in my next off day. I just wanted to refinance and get current. They threaten to take my car but are hardly helping me. This is the XXXX XXXX in XXXX XXXX  Missouri located on XXXX and XXXX XXXX.
Consumer complaint received 2016-12-06
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc. (CA)

California Business Bureau , Inc Is practicing unethical business procedures. I was recently in the hospital and now is currently paying some bills off. I sent CBB several settlement letters. I have gotten no response. the initial bill was for {$550.00} ... The amount of interest charged is/was criminal. XXXX interest per month. on XX/XX/2016 the bill increased to XXXX by XX/XX/2016 i got a new bill ( a few days after i sent the last settlement letter ) in the total of {$14000.00}. How does a bill go from XXXX to XXXX dollars in 7 days? 
criminal amounts of interest fees. On top of this they charge the person just to pay the bill. 

I am able to produce all paper work necessary if needed.
Consumer complaint received 2017-08-29
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. (TN)

wrongfuly evicted undermultiple TN codes for " failing to maintain ''. summoned twice. records are showing 4 cases, all are showing open-unpaid. 

The law says the landlord isnt due money. 
The accounts were PIF. The lawyer refuses to state the client was paid in person 12mos ago. 

The company and corporate offices refuse to answer summons by XXXX XXXX ( XXXX ) counrthouse. 
The courthouse refuses to answer appeals and casde information and in fact plays XXXX.I have an active supoenae, unanswered by the courts. 

This has prevented me from gaining lawfully maintained units repeatedly, as has unlawful unrequested file freezes and blocks I previously didnt ask for. My mail was repeatedly stolen and not forwarded. I have filed fraud charges w XXXX pd, XXXX pd, and IDT.gov. companies do not care and report the slander anyways. same goes for my other credit accounts. information provided from companies is not accurate. I was never late and I hired upright law on retainer for chXXXX, which nobody wants to abide by. 

companies were told to notify upright. upright was in charge at said time for nine months last year.If I have to, ill hire another firm and pay cash for the case to enforce compliance, but my credit will reflect accurately the true nature of my credit- not what people are claiming. 

multiple companies are refusing to comply w fcra law. This is a felony act. I have filed multiple demands for correction over the past 12 mos to no avail.I have hired XXXX XXXX  and other organizations.
Consumer complaint received 2017-08-29
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

My credit report for my whole life had been over XXXX until I bought a Toyota and traded it in for a lessor quality Toyota and then Surrendered it for the first time in my life. Then Got hurt on the job and my employer did n't pay the bill and I did n't know for 3 years. Its all taken care of except for my STILL low credit score. Could yoy please look into this and let me know why my score is so low still. Thank you, XXXX
Consumer complaint received 2017-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

This complaint relates to the credit card issuer improperly charging interest on a cash advance and failing to apply payments to the highest interest-rate balance first, as required under the federal Credit Card Accountability Responsibility and Disclosure Act of 2009. 
I have a credit card issued by USAA Federal Savings Bank, issued in XX/XX/XXXX, that was offered with an introductory 0.00 % interest rate on balance transfers through XX/XX/XXXX. 
I made XXXX balance transfers to this card, XXXX for {$12000.00} on XX/XX/XXXX, and XXXX for {$6000.00} on XX/XX/XXXX. Both of these are subject to the 0.00 % interest rate. 
Additionally, on XX/XX/XXXX, I used the card for a cash advance of {$2500.00}. That cash advance is subject to an APR of 8.9 %.
On XX/XX/XXXX, I made a payment of {$1000.00}. On XX/XX/XXXX, I made a payment of {$2500.00}. Neither of those  payments were applied in full to the cash advance. Instead, only {$600.00} was applied to the cash advance, and the rest of the payments were applied to the zero-interest balance transfers. 
When I spoke with USAA customer service representatives on the phone, once in XX/XX/XXXX and again onXX/XX/XXXX ( after receiving the latest bill ), they said that the payments were being applied to the earliest charge first ( the balance transfers ), and would continue to be so applied until those are paid off in full, and would only be applied in full to the cash advance balance after that. In the meantime, they informed me, USAA intends to continue to charge me interest at an 8.9 % APR on the cash advance. 
I pointed out to the USAA representatives that such a policy and practice is violates the federal Credit Card Accountability Responsibility and Disclosure Act of 2009. That law clearly requires credit card issuers to apply any payments in excess of the minimum to the highest-interest balance first. That law explicitly includes cash advances. 
Since USAA has declined to correct this misapplication of my payments, and is continuing to improperly charge me interest, I am requesting the help of the CFPB in having them immediately adjust those payments to apply them retroactively to the cash advance rather than the 0.00 % APR balance transfers, and to have USAA reimburse the improper interest rate charges of {$15.00} made on XX/XX/XXXX, and {$14.00} made on XX/XX/XXXX. 
I also request the the CFPB ensure that USAA is not improperly charging other customers interest and improperly applying payments to balances chronologically, rather than according to which has the highest interest rate.
Consumer complaint received 2017-08-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

My Mortgage was with Bank of America from XX/XX/XXXXthru XX/XX/XXXX around that time I was unemployed and had to file bankrupted but from XX/XX/XXXX thru XX/XX/XXXX the payment were being made by the trusteed and Bank of American start out receiving payment in the amount of {$1100.00} and the payment drop to {$1000.00} but in XX/XX/XXXX I loss my job and the bankrupted case was dismissed and the last payment that was sent to Bank of American was in XX/XX/XXXX but I received a letter from Bank of American stating that the account was soled to XXXX XXXX  however I received a statement from XXXX XXXX stating that I own over {$11000.00} XXXX dollars but my attorney stated that the account was current and I 'm not sure who made the mistake ... ..Trying to clean up my credit report and I need some help ... .Thank you.