davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-30
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. (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, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX  : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) : XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-08-26
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO. (GA)

I bought a truck from XXXX XXXX in XXXX FL, and canceled the extended warranty. They havent returned my calls, e-mails, and havent returned the money to my finance company so that I can refinance the loan. The amount to be returned is over {$7000.00}. XXXX give exact amounts upon request.
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC (VA)

I am filing a complaint against Contract Callers Inc/XXXX XXXX. Account number XXXX. The amount owed is {$70.00}. My complaint is they failed to send the last bill to your home address and it turned into a collection. If they would have sent the bill to the right address it would have been paid. 
This has costed me between 100-150 drop in my credit score and is affecting me refinancing my homes.
Consumer complaint received 2020-01-24
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (OH)

I obtained a loan XX/XX/2018. Fixed rate, fixed term, fixed loan. However, if I pay it off now I still paying the interest for the whole time. I find it interesting how they are able to front load the interest charge and include it in the original loan amount. On their online portal its states : Amount Financed : {$5700.00} However, I didn't receive that much, that is including the finance charges. Then it states my loan was funded for XXXX however it wasn't. The total amount with interest would have been XXXX but I did not receive that much when I obtained that loan. 

I am concerned because it currently states the balance is : XXXX and some change. And when I look at history it shows all payments going to principal and not interest. So if I go and pay off the full amount its including interest that shouldn't even be charged as of yet but is being included. I believe that is against the rules and a practice that has previously been ruled a UDAAP violation. Thank you!
Consumer complaint received 2020-01-23
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (PA)

Regarding Macy 's Credit Card -- I recently noticed, and called Macy 's, about their tapping my XXXX Credit Report -- XX/XX/2019 and XX/XX/2019. In XXXX, Macys lowered my limit to {$1100.00} and in XXXX, to {$600.00}. 
When I called the Macy 's Customer Service, I asked 1 ) why they were lowering my limit and 2 ), why are they tapping my Credit Report. 
The woman told me they checked my credit report and lowered my scores because I have not used my card in a while. I believe she said they do this if a customer doesn't use the card for six months or longer. I told her this caused my score to decrease and is a red mark on my credit report. I asked them not to tap my Credit Report again and that I will probably be closing my account. 

How can I have them fix my Credit Report and ensure they will not contact the Credit Bureaus again because I have not used their card in a while. 

Is Macy 's activity illegal? 

Now I have to pay the credit bureaus to lock my account. Ridiculous. 

Thank you.
Consumer complaint received 2021-01-02
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. (OH)

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX
Consumer complaint received 2024-08-26
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC. (AK)

Attention XXXX XXXX at ( XXXX ) XXXX, yeah hi, its me again ; when you called me and I returned the call immediately on XXXX, and I quote " I'll have a XXXX call you back on an unrecorded line '' how long does that usually take, it has been almost a month and no call? Did you lie when you told me you'd do this? Are managers at Pennymac incompetent to the point of not being able to return a phone call? Do you even put a request in? 

Secondly please consider whatever document I signed on XXXX regarding consent to receive emails/electronic communication null and void. Based off my numerous complaints I believe it is very obvious that I do not wish to receive any emails from Pennymac to include : notifications of payments received, escrow analysis, or CFPB complaints. Any and all will be considered harassment. Any and all notifications/information/literature/updates/knowledge from Pennymac to my home address on paper ( you know that stuff made from trees ) via the United States Postal Service.

Per the CFPB interpretation of CFR Part 1006.6 - 1006.42 Official interpretation of Paragraph 6 ( d ) ( 4 ) ( i ) ( B ).

1. Prior consentin general. Section 1006.6 ( d ) ( 4 ) ( i ) ( B ) provides that, for purposes of 1006.6 ( d ) ( 3 ) ( i ), a debt collector may send an email to an email address if, among other things, the debt collector has received directly from the consumer prior consent to use the email address to communicate with the consumer about the debt. For purposes of 1006.6 ( d ) ( 4 ) ( i ) ( B ), a consumer may provide consent directly to a debt collector through any medium of communication, such as in writing, electronically, or orally.

2. Prior consentconsumer-provided email address. If a consumer provides an email address to a debt collector ( including on the debt collectors website or online portal ), the debt collector may treat the consumer as having consented directly to the debt collectors use of the email address to communicate with the consumer about the debt for purposes of 1006.6 ( d ) ( 4 ) ( i ) ( B ) if the debt collector discloses clearly and conspicuously that the debt collector may use the email address to communicate with the consumer about the debt.

Again I revoked consent for electronic communication from Pennymac on XX/XX/year> in writing ( CFPB COMPLAINT ID XXXX ), which Pennymac acknowledged XXXX of on XX/XX/year>, but thus far has in action ignored. If it is truly consent then it is revocable, if it is not consent then I would like in writing why Pennymac is forcing me to agree to something XXXX in writing do not agree to. 

Cheers!
Consumer complaint received 2021-09-24
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: U.S. BANCORP (FL)

I have an existing mortgage with USBANK, I have paid EVERY payment, I am current, but XX/XX/2021, I called USBANK to INQUIRE about my options with A.- refinance at a lower rate B.- modify to remove PMI ... AT NO POINT, I asked or AGREED to a CREDIT PULL of any kind, I was NEVER INFORMED that USBANK was doing a credit pull WITHOUT MY KNOWLEDGE or consent... 

and they lowered my score from XXXX very good, to XXXX just good... as a matter of fact I wanted to checks their rates, because I AM SHOPPING around for the best rates FOR ME based on a XXXX score!
Consumer complaint received 2024-08-08
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. (CA)

This is written to file a formal complaint regarding inaccurate reporting by a credit bureau, which has adversely affected my creditworthiness. The credit bureau in question has erroneously stored late payments on my consumer file, despite these payments being made on time. This incorrect information has resulted in a significant negative impact on my credit score and financial standing. 
Accounts with inaccuracies in transactions stored : XXXX ( acct # XXXX ) -prepaid card, never late payments made. 
XXXX XXXX XXXX ( acct # XXXX ) -unsecured loan, never late payments. 
Under the Fair Credit Reporting Act ( FCRA ), consumer payment and transaction storing processes are regulated to ensure accuracy and fairness in credit reporting. It is clear that the credit bureau 's failure to accurately reflect my payment history violates these provisions, as it does not reflect the true state of my financial obligations. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action to rectify the inaccuracies in my credit report. Additionally, I seek enforcement of FCRA laws to ensure that such errors are corrected and that consumers are protected from unwarranted damage to their creditworthiness.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate
Consumer complaint received 2024-08-08
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: ENCORE CAPITAL GROUP INC. (TX)

Received certified letter mailed to myself in my maiden name to my previous address ; my parents home. In this is what appeared to be an Order Appointing Receiver filed in the justice court of the county we are in, not signed by a justice of the peace. As well as an Application for Appointment of Receiver after Judgement dated XX/XX/XXXX. Also was what appears to be an affidavit dated XX/XX/XXXX. A letter to the court with a case number and file number dated XX/XX/XXXX. A Final Default Judgement dated XX/XX/XXXX that appears to be signed by a judge presiding in my county. None of these documents look legitimate. I live in Texas and this is for a credit card debt that is over 8 years old. This does not show on my credit report either. Theyve sent me something similar for this previously and I called the county court in the county it says and the precinct also and they said disregard. This company stayed on the supposed court documents is Midland Funding LLC, the letter to the court is by Midland Credit Management XXXX XXXX XXXX, XXXX, TX XXXX # XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2020-01-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I recently applied for a furnisher account long story short I was denied. I dont understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. Im unsure of how this happened. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-23
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: EQUIFAX, INC. (MI)

XXXX XXXX  -credit card was changed off in XXXX of XXXX ; the account was there in the company bankruptcy filling it was a joint account ; The balance unpaid been reported since XX/XX/XXXX ; The account is more then 7 years old and should not be on my file.
Consumer complaint received 2021-12-16
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc. (MA)

I missed a single payment, during the pandemic in XXXX. I made this payment back, their incomplete computer system did not mark it as much, and negatively affected my credit score after marking my account as delinquent. This happened again, in XXXX. I missed a single payment, and since, their computer system has marked my account with an excessive amount of passed due days, more than what is accurate. Their system also did not recognize payments that I made, even with receipts of the payment. I have spoken to multiple supervisors about this, with no resolution. 

I had to submit a support ticket, and call in myself, as a customer, to check on the status of their system bug. I am still 'in delinquency ' and the amount they are trying to collect is Double the real amount that I owe. I have no idea when this problem will be fixed, or if the XXXX points i lost on my Credit will come back any time soon. I can't refinance this loan with a worse score now. Awful, I feel trapped with a company that has nothing but bugs in their system. Not in my control, not my fault, shouldn't get hurt because of it. 

They hang up on me when I call, I have to call multiple times. I have never had such a horrible time with a borrower. They have negatively affected my Credit, over small issues that are not within my control. They can not operate as a business if their systems in place are broken. 

They have a XXXX XXXX with the XXXX  Put them out of business. These loans were previously with XXXX XXXX, and we all saw how they dropped Student Loans after so much bad press. This company is worse than XXXX.
Consumer complaint received 2020-01-23
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. (CA)

Good Morning, Reached out to XXXX XXXX XXXX XXXX , XXXX shows missed payment for the month of XXXX. I made 2 Payments beginning and end of XXXX to assure there was no missed payments, XX/XX/XXXX I made an additional payment of XXXX $ before closing of bill which is XX/XX/XXXX. 

On XX/XX/XXXX company reported missed payment. However payments were made. I called today the XXXX for the representative to state the payments wont be reflected until XXXX because payments werent made however, attached is a screenshot of all payments made and dates. 

This company is hurting my credit score and inaccurately reporting a missed payment please update my account to reflect XXXX payment as on time and reflect correct Available balance. The XXXX still owing is inaccurate I only owe XXXX - Thanks again.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days. 

.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account XXXX : XXXX Account Number : 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.