davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC (TX)

On XX/XX/2018 I received a loan from XXXX XXXX XXXX in XXXX, Texas. I was invited to come pick up my {$5000.00} check, but was told I needed to give them my Title as collateral. The invitation I received from them stated I qualified for the the {$5000.00} loan because I have worked hard to rebuild my credit. 
I was told by the branch XXXX XXXX XXXX before I could obtain the {$5000.00} loan, I would have to lower my Automobile Insurance deductible from {$1000.00} - {$500.00} thus leaving me to pay higher premiums throughout the entire loan- until paid. I contacted a friend who studied XXXX law, and stated that was a violation under business profession XXXX XXXX. 

I also had the branch XXXX remove other services that were added to my contract, and he removed them and gave me a form showing he removed those extra services. HOWEVER, as a consumer I'm entitled to a complete and accurate Written contract that shows what I am am paying for, and the services that I agreed to. 
The written contract I have is old and not current, it still shows the services that were removed and these services are still drawing interest. I would like for The XXXX XXXX to meet with me and write me a correct and accurate Contract and removing the services from the contract that he agreed to remove.
Consumer complaint received 2018-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

I was going over my credit report and I seen address and information that is not accurate. 
My Name is XXXX XXXX XXXX, please remove any other variations on my name. 
My Current employer is XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete/remove the following address below : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Consumer complaint received 2023-09-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

On XX/XX/ I asked the company to send me proof of the wet signature for the alleged contract for the creditor. On XXXX  they sent nothing more than a billing statement from the original creditor. This is violation of my privacy and consumer rights 15 US Code 1681s-2 responsibilities of furnishers of information to consumer reporting agencies. This information is inaccurate and has caused pain and suffering as well as time wasted. The IRS clearly defines a charge off as gross or ordinary income. Income does not get reported on the consumer report which in fact makes your reporting of this account inaccurate.
Consumer complaint received 2023-09-23
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. (AZ)

I have sent in multiple to letters to have these items removed from my credit report due to the items being wrongfully applied to my credit profile and will like for these items to be removed ASAP. This is hindering me from having my report 100 % accurate and the FCRA states my report should be 100 % correct.
Consumer complaint received 2020-10-11
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CT)

Respected Sir/Madam, I am facing problems with my lending company, i.e Hyundai Motor Finance, who is not treating me fairly.

In a nutshell, I paid a tax of {$350.00} ( within 30 days of receiving the bill ), where my liability was just {$59.00}.

The lending company is not issuing me any refund for taxes, and they are not correcting my credit report which has a negative remark of account due for 120+ days. 

In XX/XX/XXXX, The lending company received property tax bill of {$350.00} from my county ( XXXX, CT ) from XX/XX/XXXX - XX/XX/XXXX. 
I had already returned my vehicle on XXXX XXXX, therefore the assessment needed a correction. When I contacted the tax assessor of my town, officer mentioned that my liability would only be {$59.00}, but the leasing company should contact the office and get it corrected, because their office bills the leasing company directly, in case of leased vehicles. 

Even though I made the complete payment of {$350.00} to my leasing company on XX/XX/XXXX, in approximately 30 days from receipt of tax bill, the leasing company reported a negative remark on my credit report stating that the account is due for more than 120 days. 

When I contacted Hyundai motor finance, on XX/XX/XXXX, they mentioned that they will correct my credit report by removing allegedly late payment but they never did. 
They also told me that they will request my town 's tax collector and initiate a tax abatement process, but they never did and I did not get any response to my 2 emails, trying to inquire about my tax abatement status.

Please help me in this matter, I am attaching my tax assessor email, that describes that my liability is only {$59.00}. I am also attaching the screenshot of the negative remark on my credit report, due to this tax bill. 

Account number with hyundayi motor finance : XXXX Thanks, XXXX
Consumer complaint received 2023-09-23
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. (VA)

After reviewing and studying the Fair Credit Reporting Act, I found a law called 15 USC 1681 section 602 a, which says credit reporting agencies like Equifax, XXXX and XXXX, must treat people fairly, be impartial, and respect their privacy. I'm one of those people, the consumer, and I have the right to make sure my private information isn't shared, as backed by 15 USC 6801. This law states that every financial institution, including those " Furnishers of information to credit agencies, '' has an obligation to protect my privacy and the security of my personal information. 

I found another law, 15 USC 1681 section 604 a section 2, that says these credit agencies can only share my information if I tell them in writing that it's okay. But they never got my written permission. Additionally, I have student loans with XXXX, and they have reported information about my loans without my explicit consent. 

I found yet another law, 15 USC 1681C ( a ) ( 5 ), stating that these agencies can't keep sharing negative information about my financial history without my permission, unless it's criminal records older than seven years. But they're doing that, and it's against the law. 

Regarding my closed XXXX account, they shouldn't be reporting it negatively without my permission, which is also protected by 15 USC 1681C ( a ) ( 5 ). 

Also, 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states that if someone knows that the info they're giving to the credit agencies is wrong, they're not supposed to do it. And 15 U.S. Code 1681e says these agencies are supposed to have good procedures to make sure they follow the rules. But it seems like Equifax, XXXX and XXXX aren't doing that. 

All of these so called debt collection agencies, XXXX and XXXX alike are committing securities fraud. According to 12 CFR 1016.7 states that I can say " stop sharing my information '' at any time. So, I'm telling them to stop reporting this information without my proper consent. These are the following agencies I would like to opt out of sharing my information with, including but not limited to : *XXXX XXXX XXXX ( AXXXX XXXX XXXX ) *XXXX  * XXXX * XXXX XXXX XXXXXXXX My XXXX account is collectively over {$39000.00} and my XXXX account is {$260.00}
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BARCLAYS BANK DELAWARE (SC)

I am writing to file a complaint against Barclay, which that has failed to comply with the Fair Credit Reporting Act ( FRCA ). Despite several disputes of this alleged debt, Barclay continues to inaccurately report on my credit report and has not produced real evidence that the account belongs to me. I have been disputing this account with Barclay for several years now, and they have failed to provide any concrete evidence that the debt belongs to me. Despite my repeated requests for proof of the debt, Barclay has continued to report the account on my credit report, which has negatively impacted my credit score. This is a clear violation of the FRCA, and I am deeply concerned about the impact this is having on my financial well-being. We are not at the point that this alleged debt has aged out and should no longer appear on my credit report regardless. I urge you to investigate this matter and take appropriate action against Barclay for its failure to comply with the FRCA. I also request that you ensure that Barclay removes this account from my credit report and takes steps to correct any inaccurate information they have reported. Thank you for your attention to this matter.
Consumer complaint received 2023-09-25
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. (GA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC (NY)

I just made a complaint with XXXX via XXXX  and CFPB last month, and Now they have sold the debit to another collection agency, after knowing the debit is not owed to me. At this point XXXX  is in violation of law XXXX. XXXX has sold the debit to " Credit Control , LLC '', who has been sending letters of owed debit to me in the amount of {$4700.00}. I would like for XXXX  to have this company to stop harassing me, and to cease all communication with me about this debit that I DO NOT OWE.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (TX)

This debt collection agency has engaged in prohibited practices under the FDCPA, which include abusive, deceptive, and unfair conduct. They have reported an account for which there was no agreement or signed contract on my part. A legal contract necessitates the agreement of both parties, and I was not involved in any such agreement. Furthermore, they failed to follow the proper five-step validation procedure, further contributing to these unfair practices. The balance on my credit report does not match the balance I have with the original creditor. Additionally, there are discrepancies in the data they have furnished. It raises questions when the " date last active '' differs from what another credit bureau is reporting, as all information should be both complete and accurate. Moreover, I was never provided with correspondence notifying me that this account was sold to LVNV FUNDING LLC, which is a clear violation of regulations. There was no communication sent to me by mail leading up to the reporting of this collection account, even though it was added in XX/XX/2022. I am formally requesting a copy of any correspondence that was mailed to me during that time, informing me of the debt with your company. Failure to provide this documentation would constitute another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. If this account is not removed and payment is not made within 15 days, I will have no choice but to involve my legal attorney to pursue this matter through small claims court.
Consumer complaint received 2020-10-11
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: HCFS Healthcare Financial Services of TeamHealth (NY)

ARS : Account Recovery Solutions Account # XXXX {$1700.00} Medical Report is a HIPAA Violation by sharing my information with ARS. No contract with ARS or signature.

ARS reporting on XXXX, XXXX, and XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

In accordance with the fair credit reporting act, this creditor has violated my rights under 15usc1681 section 602 states I have a right to privacy 15usc1681 sec 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15usc1666b a creditor may not treat a payment on a credit card under and open a consumer credit plan as late for any purpose And the company is citizenpay
Consumer complaint received 2023-11-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Phoenix Financial Services LLC (IN)

I had small collections from Phoenix Financial and I paid them 2 years ago in a lump payment. Phoenix Financial reported to my credit report 6 months ago the entire amount. I called for billing details because I have had no new hospital debt. They have not sent this information and have now sold this to another company as a new debt. All this is beyond 7 year time of service.
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Company continue to report fraudulent information on my credit report. Since XX/XX/18 XXXX have reported a fraudulent account that I did not authorize in my name and the credit agency report this negative account without properly investigating. Check my credit history, I pay what I legitimately owe.
Consumer complaint received 2019-04-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc. (FL)

I sent a seller a total of {$680.00} ( three different payments {$300.00}, {$200.00}, {$180.00} ) for three pairs of shoes. I was in contact with her once the payments were made and she told me told me itd be two to three weeks to receive them once shipped. I waited, and decided to get back in contact with her and after multiple attempts I received no response. I went through my bank to file a dispute in an effort to get my money back, and the claim was denied and I was told to get in contact with Cashapp to receive my money back. I then got in contact with Cashapp and was told there is nothing they can do for me, to try again with my bank. After contacting my bank again regarding the same claim, they then explained to me that Cashapp will not issue a chargeback because their service was rendered. This is very frustrating because I have been given the run around looking to resolve this issue. Cashapp 's customer service is next to useless and I would like to be provided with quality customer assistance to get this resolved, its hard to walk away from {$680.00}, especially when you've been scammed out of it.
Consumer complaint received 2023-09-23
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. (CA)

XXXX XXXX XXXX a creditor XXXX not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA XXXX False misleading information FDCPA XXXX furnishing deceptive forms must remove late payments under CARES XXXX act
Consumer complaint received 2020-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

Account : XXXX At 3.25 % interest rate, unpaid interest and unpaid fees was {$70.00} on XX/XX/20. 
At 3.25 % interest rate, unpaid interest and unpaid fees was {$110.00} on XX/XX/20. 
As usual, Navient is stealing money, unless it is corrected Navient will be sued again second time.
Consumer complaint received 2021-08-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

After Mr Cooper acquired my mortgage starting XX/XX/2021, it failed to make property tax payment to XXXX county tax department for the bill that was due on XX/XX/2021. Before XX/XX/2021, I have sent several message via web to make sure the payment goes out on time. After several attempts, Mr Cooper took the money out from my escrow account on XX/XX/2021 and said they disbursed the payment to tax department via wire transfer. I have reached out to Mr Cooper several times via phone calls and messages, they kept on saying their tax department is working on it and never specified what they are working on. I requested that the money taken out from my escrow account be refunded back to me many times since the payment never reached to XXXX county tax dept. After a month, on XX/XX/2021, I got a notice from Dept of Finance saying i have UNPAID TAXES AND CHARGES. I made the payment directly to Dept of finance out of my own pocket and requested Mr cooper to refund the money plus interest I paid to dept of finance for lateness. 

Due to these issues, I requested mr cooper to close my escrow account in XXXX so that I can start making payments myself. So far, Mr Cooper is not refunding me the tax payment taken out from my account {$1200.00} and about {$5.00} in interest charges.
Consumer complaint received 2023-09-23
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

A request for AWA Collection to validate the debt they are trying to collect from me was requested in XXXX of XXXX. I also requested copies of a signed contract i have with AWA Collection that would create a contract with them giving them authority to report through the company AWA Collection on my credit report. They did not validate or respond to my request in writing or via email or any other form of correspondence. 
This is a violation of 15 USC 1692g and the FCRA provides remedy for that violation in 15 U.S code 1681n ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Account in question : Account name : AWA Collect Account number : XXXX Account type : Collections Date opened : XX/XX/XXXX Status : Collections Account Date Last Reported : XX/XX/XXXX Balance : {$500.00} After I disputed this account with AWA they have continued to harass me by increasing the account {$1.00} ever month and reporting that increase to the credit reporting agencies. This is a violation of 15 U.S code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt.
Consumer complaint received 2023-09-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Finance System of Green Bay, Inc. (WA)

Finance System of Green Bay, WI has opened a derogatory remark against my credit for the amount of {$530.00}.

I have reached out via phone and email over a dozen times since the beginning of 2023. In any attempt to communicate I have not been contacted. I've left voicemails. I've have emailed multiple addresses. I've gone to their website. I've provided multiple ways for them to contact me. My patience is gone.

I am looking to dispute the debt and/or settle for an amount. The company has made this impossible to do. If that is the case I request the remark be removed from my credit report.

The fact I've been shafted for the past 9+ months in resolution is costing me time and opportunities.