davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-25
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Alorica Inc. (KY)

I had signed up for an account with XXXX several years ago. I always paid my bill on time, but XXXX consistently had issues, including not paying credit card bills that they had agreed to pay because of a fluke in their system. With less than a month 's notice, XXXX transferred my account to Systems & Services Technologies ( SST ), who notified me of new loan terms that did not reflect the agreement I made with XXXX, and a new monthly minimum which was much higher than the monthly bill I was paying to XXXX. When I attempted to contact SST via email and phone, I could not get a hold of them. Once I finally did, after multiple attempts, they told me they would submit a request for my account to be reviewed to see if I could negotiate the terms of the loan or receive a lower monthly payment. I was told it would be a 24 hour wait on that decision, but it has been 48 hours now and no word. I am concerned because other customer testimonials say that SST has taken unauthorized payments out of their bank accounts, so I am hesitant to give them my banking information in order to pay the bill. I did not agree to the terms of this loan.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2024-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TX)

So l googled laws pertaining to this.. 15 USC 1692c ( c ) states if I refuse to pay any debt especially if it's not mines the debt collector must cease all communication with me, so reporting inaccurate things on my credit profile is a form of communication and they are breaking the law by doing that.. This company have an address linked to this account that's clearly not mines.ALL CEASED AnD DEASE COMMUNICATIONS OR I WILL HAVE TO TAKE LEGAL ACTION
Consumer complaint received 2023-05-04
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY (GA)

Re : Target RedCard Every time I call the person on the phone refuses to give me a call back number, their name, an employee ID, or anything that they as an employee can be identified by. 
I have attempted to cancel my target card on multiple occasions. I will be placed on hold for 10+ minutes for someone to eventually end the call without actually canceling my card. The last time I attempted to cancel this card I discussed my frustration and was assured the card was cancelled. I requested an e-mail stating this and they reported that they could not do this but I would be mailed the termination letter. Well, I received a letter from target today stating my card was being upgraded to a XXXX. All I want is to cancel my card.
Consumer complaint received 2023-05-05
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: FirstPoint Collection Resources (VA)

XXXX XXXX Compliance Standards. This alleged debt are reporting fraudulently the XXXX Main credit bureaus work for me and I want this unverified debt removed, due to willful non-compliance due to FURNISHING MY PRIVATE INFORMATION WITHOUT XXXX DISCLOSURES you must remove all inaccuracies. Under the CONSUMER CREDIT PROTECTION ACT AND THE EQUAL OPPORTUNITY ACT U MUST MAKE THE CHANGES UNDER MY REQUEST, How was this verified? 
If a debt is sold to a XXXX party a consumer ( you ) have a right to know how much it was sold for, and if the debt was assigned to a third party the consumer ( you ) have a right to know what their commission is if they are successful in the collection of such debt. please remove this debt collection.
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am trying to clean my credit report and I am informing that the account XXXX in the amount of {$1600.00} and account XXXX in the amount of {$4800.00} are not my accounts. I have been a victim of identity theft and have no recollection of these accounts. Consumer Law SECTION 605 A 15 U.S. CODE 1681 C-1 states : The banking system is dependent upon fair and accurate credit reporting.

SECTION 605 B 15 U.S. CODE 1681 C-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate ; block of information reported as identity theft.
Consumer complaint received 2024-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PNC Bank N.A. (KY)

I have had the same mortgage since XXXX or XXXX that waives escrow. I pay my taxes and insurance on my own in full when the amounts come due. PNC bought my mortgage from my previous servicer ( who had no issues ). I noticed that PNC drew {$2200.00} out of my account on XX/XX/XXXX which is double my P & I so I called to ask them what the deal was. They then told me I had an ESCROW shortage ... which I told them was impossible since I have no escrow. I asked them what insurance company they are paying and they stated an insurance company I have never heard of. Obviously they had placed me in forced insurance for NO REASON. 

The lady on the phone then said they had sent me letters asking for updated information sine they " didn't '' have my insurance company information on file. Which ended up being a lie since she stated she saw XXXX XXXX as the mortgagee in their system which is who I have insurance from ... .meaning they had all they needed to get this resolved. First, I never received a letter from PNC saying they needed anything on my insurance company, only mortgage statements monthly. Secondly, they NEVER called me or emailed me asking for anything. Thirdly, they had the correct insurance information from day 1 and NEVER called XXXX XXXX with any issues on my mortgage. INSTEAD, they decided to place me in forced place insurance and STEAL around {$7000.00} from my account. Since I have everything on autopay I did not notice this until the insurance grew to {$1000.00} A MONTH due to THEIR mishaps and lack of due diligence. I asked PNC how much exactly they have STOLEN from me over these last 2 years and the lady on the phone somehow could not give me an exact number... ..This should be 100 % illegal. I want my money back NOW ... ..They had every piece of information to call multiple parties to get whatever they needed but were too LAZY. 

Now I am being told that they are " requesting a partial refund ''. WHAT?? Absolutely not. I want every penny back since this is SQUARLY on PNC... .FULL REFUND or lawsuit. They also have submitted a " Escrow deletion '' that they state will take about a month to complete ... ..Which is absolutely hilarious considering how easily they were able to setup an escrow without my knowledge. They also said the request is going to take over a month which is equally hilarious by how quickly they just STOLE the money out of my account. 

CFPB, I need assistance here. I want my FULL REFUND and I want it now. If they deduct another {$1000.00} a month from now for THEIR insurance company I am going to the state secretary to get involved and my lawyer.
Consumer complaint received 2024-10-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: NAVY FEDERAL CREDIT UNION (CA)

My bank account got hacked in XX/XX/year> the suspect applied for a loan of {$5000.00}, under my name after months of report fraud claims eventually Navy Federal told me because the loan was my in my name I have no other choice but to pay it off. I am a XXXX XXXX XXXX already struggling financially, I can not afford to pay off a loan I never even applied for.
Consumer complaint received 2024-09-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (GA)

Hello, I am very left out with details regarding the financing on my Tally loan that was transferred to XXXX XXXX XXXX XXXX XXXX XXXX ( SST ). I have paid {$390.00} online, which is reflected online, but it does not show in my balance. When speaking to the rep at XXXX XXXX XXXX XXXX XXXX XXXX, he advised me that the payment of {$390.00} was posted to my account. {$350.00} went towards interest, and {$35.00} went to the principal. 

I am so confused with the company and its practices. Every time I call, this company tells me something different. I feel like SXXXX XXXX XXXX XXXX XXXX is hiding something and cheating me out of my money.
Consumer complaint received 2023-05-04
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. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-25
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (GA)

To whom it may concern Account name credit collection you are reporting this collection as an open account which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. 
when the above collection is deleted and has been removed Pursuant to the Fair Debt collection practices Act 15 United States code 1692 Once the original creditor sells my debt to a third party debt collectoR without my permission. I no longer owe this debt
Consumer complaint received 2023-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.
Consumer complaint received 2023-05-04
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services (NY)

According to 15 USC 1681a ( 2 ) ( A ) ( i ) " ( 2 ) - Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; '' This means that transactions between consumer and the data furnisher are not to be included on the report. If this is true, how can there be a late payment? A late payment classifies as a transaction between the consumer and the data furnisher. Reporting late payments to my credit report is illegal. 

The inaccurate information to be removed is reported as follows : - LATE PAYMENT - XX/XX/XXXX - LATE PAYMENT - XX/XX/XXXX - LATE PAYMENT - XX/XX/XXXX - LATE PAYMENT - XX/XX/XXXX XXXX
Consumer complaint received 2023-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XX/XX/XXXX I make a call for a solution to talk to a person in the hardship department at XXXXXXXX.I get transferred to an unprofessional female  is pushy to get me to make a payment when I already made a payment for the month and she doesn't even ask how can I help you at the beginning call. I complain that I get two types of interest fees and having trouble paying off the card. She begins to laugh as I complain and doens't fully listen to solve the issue woman that acts completely unprofessional over the phone and we start to argue because I asked to speak to someone who can help with financial harships. I end up hanging up the phone with no real help.
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (TX)

After thoroughly reviewing my credit report, Ive discovered that incorrect information continues to be reported by XXXX, Experian, and XXXX. Despite my previous disputes, this information is still being verified as accurate. However, I have undeniable proof that the information in question is not accurate, which I have attached for your reference. 

This ongoing verification of false information not only damages my creditworthiness but also violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 and 623. These sections mandate that credit reporting agencies and furnishers of data must correct or remove any information that is found to be inaccurate or unverifiable after a dispute is filed. 

I am urging you to immediately remove this inaccurate information from my credit report, as continued reporting of these errors is unacceptable and unlawful. Please ensure that my credit file is corrected to reflect accurate and verified information, in accordance with the FCRA.
Consumer complaint received 2024-09-24
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: Experian Information Solutions Inc. (MA)

I have disputed the validity of reported late payments multiple time requesting that I be sent actual physical proof such as a bank statement proving that I have been indeed late making payment. To date no actual physical proof has been provided. The credit bureaus will continuously " update '' the information on my credit report and have not removed the negative remarks stating that my accounts have been late at least once. They absolutely refuse to send the proof they are required to send if in fact they are doing an actual investigation which is a clear violation of my FCRA rights; According to FCRA rules 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] - ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 602 [ 15 U.S.C. 1666 ] - a creditor may not treat a payment as late for an open ended credit account for any purpose. I have submitted disputes on the following dates ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. As you see I have more than done my due diligence in communicating the credit bureaus XXXX, Experian, and XXXX on this matter and they absolutely refuse to delete the negative remarks on the accounts that they are reporting I allegedly paid late.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (FL)

Experian sent an email on XX/XX/year> stating they will not investigate my disputes claiming I did not mail them. I have mailed in several forms of proof of my identification and ask you enforce experian to process these disputes in a timely manner. These letters were sent by XXXX XXXX XXXX XXXX 

I am writing in response to Experian stall letter /email ( see attachement ) that states these documents/disputes were not sent by XXXX XXXX. These dispute letters are in fact being sent by XXXX XXXX XXXX I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. 
I am requesting you proceed to investigate these accounts immediately as required by law. 

Please accept this letter as my formal written request for the following items on my credit report to be investigated.
Consumer complaint received 2024-10-03
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. (OH)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-05-04
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC. (OH)

I received this loan and the amount was low but the repayment is very high and im not able to psy it. And they arevacting like thry want to help me but they really just want me car cause the payments are ho high to pay snd feed my child or pay my rent snt bills.
Consumer complaint received 2024-09-24
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. (PA)

- Violating Privacy. Giving 3rd Party companies my non public personal information.

- Ignoring my opting out request sent to them in writing.

- Violating the billing error dispute.

-Security Fraud, False & Misleading representation.
Consumer complaint received 2023-05-04
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: CORELOGIC INC (GA)

Credit reporting agencies is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
They all are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Consumer complaint received 2023-05-04
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: MicroBilt / PRBC (formerly CL Verify) (GA)

Credit reporting agencies is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 
They all are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information they're reporting. 
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.