davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-25
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. (AL)

I filed a police report for identity theft on XX/XX/XXXX for a XXXX account. I have sent letters to TransUnion, XXXX & XXXX they have failed to remove this from my credit report. I filed a FTC report as well. I also had Inquiries I did not authorize on my credit report. I will list them : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (DE)

I noticed I had a charge-off on my credit report that should'nt be there, because the IRS considers a charge-off as gross and ordinary income by definition, and it should be filed as taxes, and under the form 1099-C cancellation of debt ( 1 ) cancelled debt must be reported as taxable income on annual tax returns even if the issuer does'nt send a form 1099-C because the canceled debt is less than 600 dollars. Under 15 USC 1681 S2 : Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Consumer complaint received 2023-04-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC. (MI)

MIDLAND CREDIT MANAGEMENT FILED A LAWSUIT AGAINST ME IN THE XXXX DISTRICT COURT IN XXXX XXXX MICHIGAN ( CITY OF XXXX ) FOR {$1900.00}. I have NEVER had an account with Midland Credit Management and I have never received any notification or correspondence from MIDLAND CREDIT MANAGEMENT until a court server served me lawsuit paperwork stating that I owe them nearly XXXX XXXX dollars. I have submitted a response ( answer ) to the XXXX district court as well as a written answer has been sent via certified mail to midland credit managements lawyers XXXX XXXX XXXX/ XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX / XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX, stating that I do not owe said debt and have never received any correspondence from Midland Credit in regards to the debt and I have never held an account with them. 

Upon filing my answer with XXXX district court I was informed by the COURT CLERK that MIDLAND ATTEMPTED To swindle me by using an old case number for the documents they sent me of XXXX ( WHICH that case WAS DISMISSED IN MY FAVOR- to have me think that an ANSWER reply was not needed which would have then automatically given them a default judgment ) - the correct and new case is XXXX- which is the case that had I not filed an answer I would have been forced to pay a debt I do not owe- I am claiming that midland is practicing and attempting to collect an illegal debt as well as they have illegally placed a collection account on my credit reports via XXXX, XXXX, And XXXX which has caused my credit scores to plummet as well as this lawsuit has caused emotional and financial distress. Under the Fair Debt Collection Practices Act ( " the FDCPA '' or " the Act '' ), 15 U.S.C. 1692et seq ) Midland Credit Management is violating my rights as a consumer due to me not receiving proper notification of owing any said debt, not being allowed to dispute said debt, not being allowed to request their licenses and documentation showing if they can collect debts in the State of Michigan, as well as by placing a frivolous collection account on my credit reports and lastly filing a lawsuit in an attempt to collect on said debt.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (MO)

American Express previously suspended my access to my BlueBird and Serve prepaid cards which was an automatic action their algorithm did.

They reactivated the cards following a CFPB complaint I just issued a week ago. 

However, they left the Add Money Via Debit/Credit Card feature disabled. 

When I was trying to get the accounts reactivated as a whole one of the reps sent me an email that would allow me to activate the debit card add feature by verifying my ownership of the card I was adding by sending a scan of both that debit card, and my drivers license.

The only issue was at the time my account logins were still deactivated due to the algorithm but that caused this all and I could not login with the link the rep sent as it required me to have a working Serve login.

So, I am requesting that American Express *FULLY* reactivate my Serve and Bluebird accounts ( as I requested in the previous CFPB complaint ) by reinstating the debit/credit card add money feature. 

I will attach a copy of the email the representative sent to my offering to fix this problem. 

All of your phone reps act as if they are totally unaware of this process and are advising me I am permanently banned from the service. ( the reason for that is never given and I have no earthly clue why that would be ). 

Serve card number : XXXX Bluebird card number : XXXX
Consumer complaint received 2023-04-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2023-04-03
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. (PA)

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 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: 3rd Generation, Inc. (WA)

When I become a day late on my payment, or even on the day of the due date, I will receive calls from the finance company that is financing my car. I am not always able to answer as I work full time in classrooms with children and I am not allowed to be on my cell phone. Sometimes I am able to step out to quickly take the call to inform them I am busy working and to please only call after XXXX, instead of agreeing they will hang up on me. If I do not answer their calls during my work hours, they will call me right back with different phone number, then send text messages and emails. They then will call my references and employer at least twice the same day. My brother asked them why they are calling him so much and the representative told my brother they were coming to repossess my car if I don't pay my balance and then gave my brother the account balance without my permission. I have received two verbal warnings from my supervisor at work that the calls are interrupting business and are inappropriate. I called this morning to request that my employer and family be taken off the call list, the representative was very rude and said he completed my request but if I don't answer when they call they will reposes my car. I asked for proof in writing that my request was submitted and was denied. I also have been requesting my due date to be changed to coincide with my paydays so that i can ensure my payment to be made on time, i got push back until XXXX i was told that i could make that change as soon as my account was up to date. In late XXXX i made my payment to get completely caught up, I called XX/XX/XXXX or XXXX to request the due date change from the XXXX of every month to the XXXX, the representative started the process over the phone with me and put me on hold to complete the request then i was hung up on. I should have called them back because they did not call me back and they never completed the request so on XX/XX/12 the harassing calls started again. I went back and forth with representatives about the mixup and told them I could not make my payment until the XXXX, they said i would be charged late fees. Today my mother was sent a text message from the finance company with a link to my account so that she can make payment that had all of my account information on it, i did not authorize that.
Consumer complaint received 2023-05-30
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. (TX)

I am submitting this CFPB complaint, once again, to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness and by submitting this Complaint, I want you remove the disputed items off as soon as possible : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-08-26
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. (AR)

This is a formal request to you that I would seek for your assistance in correcting the accounts but time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of and kindly help me to correct this accounts : XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$50000.00} XXXX  XXXX Balance : {$810.00}.
Consumer complaint received 2023-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 there was a charge to my debit card for the amount of {$250.00} at a XXXX XXXX. The charge also mentions XXXX, I looked up " XXXX XXXX '' and the nearest one to me ( XXXX, CA ) is in XXXX, WA. I disputed this immediately on XX/XX/2023, I explained to Citibank that I live in California and it's a XXXX XXXX to XXXX or XXXX flight. On XX/XX/2023 I have purchases from a taco truck and other places after the XXXX XXXX withdrawal. Citibank states that because I was in possession of my debit card the entire time the withdrawal is valid.
Consumer complaint received 2024-09-07
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. (NC)

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-11-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NV)

I have loans that have been consolidated with Mohela that are 20 to 25 years old. that I took out in XXXX  and I was supposed to be a part of the program that forgives loans 20 to 25 years. I have colleagues who have all been forgiven who started with me and when I called they do not have me slated for forgiveness. How can this be addressed?
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

I have an installment loan from XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX with no successful resolution. Experian, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Consumer complaint received 2023-08-25
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC (CA)

I am writing in response to Flagship Credit Acceptance LLC 's ( " Flagship '' ) response to the complaint I filed on XX/XX/2023. After careful review of their response, I find it insufficient to address the main issues of my complaint : the mishandling of my auto loan and deceptive practices involving the refunding of my Guaranteed Auto XXXXrotection ( GAP ) product.

1. Breach of Contract - GAP Refund Agreement : In their response, Flagship claims that I received a full refund for my GAP insurance. This is misleading and in direct contravention of the agreement we had. The original agreement was for a complete cash refund of the policy amounting to {$990.00} plus interest. Contrary to this, Flagship decided to apply a portion of the refund to my loan balance without my consent. This is a clear violation of our agreement and amounts to a breach of contract as defined under Section 1 of the Restatement ( Second ) of Contracts. This unilateral decision has denied me the rights I am owed under the contract, thereby causing me financial harm.

2. Unfair and Deceptive Acts and Practices Vehicle Surrender : Flagship 's response acknowledges their error in refusing the voluntary surrender of my vehicle due to its mechanical condition. This misinformation is in violation of Section 5 of the Federal Trade Commission Act, which prohibits " unfair or deceptive acts or practices in or affecting commerce. '' This wrongful denial has caused me undue stress and financial burden as I was left to bear the costs of a vehicle that I had intended to surrender.

Concerning the impact on my credit report, Flagship 's acknowledged mistakes and breach of our agreement have directly contributed to my current financial hardship. Their refusal to accept the surrender of my vehicle, coupled with the unilateral alteration of the XXXX refund agreement, have put me in a financially compromising position. This has, in turn, affected my ability to keep up with the loan payments. Therefore, I respectfully request that these extenuating circumstances be considered and any negative implications on my credit report be removed in accordance with the Fair Credit Reporting Act.

In conclusion, I reiterate my request for a full cash refund of the GAP product as originally agreed upon plus interest and for the voluntary surrender of my vehicle to be processed without further delay or negative impact on my credit report. The Consumer Financial Protection Bureau has a mandate to protect consumers like myself from unfair, deceptive, or abusive acts or practices under the Dodd-Frank Wall Street Reform and Consumer Protection Act. I trust that you will uphold this mandate and help me seek a just resolution to this matter.
Consumer complaint received 2023-05-30
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: Experian Information Solutions Inc. (SC)

CC : Consumer Financial Protection Bureau ( CFPB ) CC : XXXX XXXX XXXX XXXX ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : Federal Trade Commission ( FTC ) CC : Experian, XXXX, XXXX Dear XXXX XXXX XXXX XXXX, I am writing to dispute the charge-off that appears on my credit report for account XXXX, XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice may be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
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. (NC)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. I have attached a copy of my report to this complaint on the following date XX/XX/XXXX. For Dates XX/XX/XXXX and XX/XX/XXXX. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2023-08-25
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. (MI)

According to the complaint # XXXX XXXX failed to remove the XXXX XXXX bankruptcy. I have provided documentation to support the removal. XXXX XXXX has confirmed they could not verify the Bankruptcy in their system I have sent the letter explaining that to XXXX and I have also contacted the US Bankruptcy courts and they stated they do not share this information with the credit bureaus. XXXX has failed to provide proof under the Fair Credit Reporting Act of 15 U.S.C sec 1681i ( C )? This is if you can not provide the proof where you are getting your sources form it MUST be DELETED.