davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LTD Financial Services, L.P. (CA)

Account / Reference XXXX XXXX Reference ID XXXX XXXX XXXX Reference # XXXX XXXX XXXX ACCOUNT # ENDING XXXX XXXX This complaint is a REBUTTAL to a response from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XXXX regarding a dispute on the above accounts & reference numbers & also previous disputes regarding these accounts and reference numbers. 

You've responded to my previous DISPUTES with a statement stating that you have reported accurate information to my CONSUMER REPORT. First of all I have never asked if you are reporting accurate information! The LAW in 15 U.S.C. 1681a ( d ) ( 2 ) ( a ) ( 1 ) is very SPECIFIC. You are reporting a transaction or transactions on this account that CONGRESS defined in the consumer report where TRANSACTIONS or EXPERIENCES are NOT included in the consumer report. I never asked about ACCURACY, please stop providing me with information I did not ask for.

''15 U.S.C. 1681a ( d ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; " This is a specific section of the LAW that speaks SPECIFICALLY that TRANSACTIONS or EXPERIENCES between the CONSUMER ( I, XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT included on the CONSUMER REPORT. Maybe you will need to re-read this section of the LAW or send this over to your legal department immediately. 

" 15 U.S.C. 1681n ( a ) In general. Any person ( CORPORATION ) who willfully fails to comply with any REQUIREMENT imposed under this title with respect to any CONSUMER is liable to that consumer in an amount equal to the sum of " - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - 15 U.S.C 1681a ( d ) ( 2 ) ( a ) ( 1 ) is a REQUIREMENT This is my FINAL dispute/rebuttal or letter of communication regarding this matter. If you persist to report information on my consumer report that is NOT included in my consumer report based on the guidelines of the FCRA, I will have no choice but to SUE you under section 1681n for CIVIL LIABILITY for WILLFUL NON COMPLIANCE. 

I DO NOT CONSENT TO THE REPORTING OF SUCH UNLAWFUL INFORMATION TO MY CONSUMER REPORT
Consumer complaint received 2024-06-18
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Mobiloans, LLC (TN)

The company uses predatory lending practices including inflexibility with setting up repayment dates : for example, at the time of applying for the loan, I was given no option other than bi-monthly or twice monthly pay periods, and they have refused to restructure loan repayment based on my ACTUAL pay period. The explanation as to what the " fixed finance charge, '' how it's billed your account, and how regular payments is applied to this finance charge is unclear and/or inaccurate. The company markets their product as a " less expensive '' personal loan for high risk customers, but their repayment structure and repayment schedule actually makes it much more expensive than what they promote to consumers.
Consumer complaint received 2023-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Advanced Collection Services, LTD (TX)

Yesterday, I filed a complaint against MASTERCHECK A DIVISION OF XXXX XXXX, XXXX. The address is XXXX XXXX XXXX, XXXX  XXXX, OK XXXX, and their phone number is XXXX. This morning at XXXX XXXX  XXXX, I received a call from a number I didn't recognize. I answered because I was expecting important phone calls. A woman responded when I answered the call and asked for me. She stated she was calling from Mastercheck, claiming that I owe them for a medical bill. However, I contacted the mentioned medical clinic yesterday, and they do not recognize Mastercheck. I also called the billing department the clinic asked me to call and spoke with XXXX. They do not recognize them either. I informed the Mastercheck representative that I reported MASTERCHECK to CFPB, and they needed to stop XXXX  me. The woman became defensive when I asked her name, and we exchanged harsh words at the end of the call. I hung up and immediately called the clinic 's billing department and CFPB to update my complaint. 

The kind billing representative at the billing department informed me that they will report it to management and suggested they take the necessary actions regarding the company. The contact information for the medical clinic is : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX, XXXX. Kindly investigate this matter as I do not owe Mastercheck.
Consumer complaint received 2019-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Citizens One Bank is purposefully making it difficult to remove PMI. 

I submitted a request to start the process 3 weeks ago and have not received a call, email, or secure message from the company with ALL information for removing it. They have only sent a message saying they will send another message via snail-mail. 

They REFUSE to give me the contact information for the PMI department.
Consumer complaint received 2024-06-13
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: Zingo Cash Illinois LLC (IL)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ZINGO CASH - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2023-03-13
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. (GA)

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. Below are the listed items that need attention : XXXX XXXXXXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX Balance Owed : {$680.00} XXXX XXXX XXXX Balance Owed : {$460.00} XXXX  XXXX Balance Owed : {$220.00} XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MS)

On XX/XX/year> I attempted to deposit {$1000.00} into the atm at Wells Fargo in XXXX, XXXX XXXX It is a common practice because I dont like having to wait in a long line just to deposit money. As I slid the money into the atm, it got stuck. The atm started to malfunction and an error message came up on the screen. I tried to reach in to pull my money out but the deposit door came down and locked my money inside the atm. The bank tellers told me that there was nothing they could do. They told me to call the number and file a claim. They called atm services and I was told it could take 5 hours for them to show up. I asked to speak to a manager, but was told she works at the XXXX XXXX branch. I tried to call and speak with her, but was never able to get her on the phone. I sat in front of the broken atm for hours until the atm tech finally showed up. He opened the atm door and pulled my money out. He said, that he was not allowed to give me my money and that he needed to print a " jam report ''. He claimed that once the claim department finishes their investigation, they would credit my account. How are you allowed to keep money that isnt even yours? The deposit never went through because your machine malfunctioned. To this date, Wells Fargo has not credited my money and I was told that it could take up to 10 days. I have called for an update and they wont give me any information other than it could take 10 days. I have no way of knowing when or if I will get my money back. It's ridiculous that I have to even file a claim for money that isnt theirs.
Consumer complaint received 2024-07-29
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. (IL)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-29
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-06-17
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Lien release
Company: The Home Loan Expert LLC (CA)

I just found out that my mom and aunt were duped into signing up for something called the hero program and now if we don't pay XXXX in property tax by the end of this month our house will be sold. My mom and aunt are both elderly and XXXX and most certainly did not understand what they were signing up for. It says we can do a payment plan but I can't afford the down payment. 
I have less than two weeks until we are effectively homeless. They were scammed into signing up for something they did not understand. 
My mother and aunt did not even receive contract paperwork and have no way to fight this at all.
Consumer complaint received 2024-06-17
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't stop withdrawals from your bank account — 
Company: Pinnacle Financial Group, Inc. (CT)

I asked them to take money from my personal account on XX/XX/XXXX and they said no I am being charged XXXX percent no where on any documents I signed did it state I only can pay my account from the account on file. I had to physically go to the bank withdraw money and now the money is on hold for 10 days as i am being charged for XXXX percent when they could of taken the money out themselves. i have email from XXXX XXXX saying no
Consumer complaint received 2024-06-12
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Roycroft Management (NJ)

They claimed I owed a debt to XXXX XXXX and XXXX XXXX XXXX they explained apparently a check bounced and I owed XXXX an that if I were willing to work with them they could take XXXX off XXXX my balance would be XXXX to avoid a judgement being filed against when I stated I filed identity theft they said that wasnt true n that it wasnt on my credit that I did so then my husband called and was screaming and yelling at them that it was wrong of them to try an scam me since I deal with extreme XXXX and that he could have potentially put me in a XXXX XXXX had I not known it was fake XXXX a scam my husband even threatened to kill them XXXX is willing to get on a plane to find them
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Education Principle Foundation (VA)

I got accepted to attend the Art institute  around XX/XX/XXXX, and I first XXXX XXXX XXXX XXXXXXXX of that same year. In XX/XX/XXXX the Art institute sent us a random email telling us they were closing down All of their locations without no previous heads up or anything. I never understood the point in accepting students in that same XXXX month window in closing down. I took out loans with them not knowing they were going to close down on us. On XX/XX/XXXX the XXXX XXXX announced immediate federal loan forgiveness for over XXXX former The Art Institutes students . Quoted by the President himself, Today, my Administration is approving {$6.00} XXXX in student debt cancellation for XXXX borrowers who attended the Art Institutes. This institution falsified data, knowingly misled students, and cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies.
Consumer complaint received 2024-06-13
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BIRK CORPORATION (IN)

My issue is with a company called Procol Inc, in XXXX Indiana. Ive many complaints about the owner and one who represents them during court proceedings. 

For one, they issue a summons but dont carry out the court in courthouse, but in building across street. Its not a courthouse and there is no notice or signs. In this Annex type building Procol has what seems to be permanent room, which you are not allowed to bring a lawyer or anyone with you nor record anything, I really feel its so hes not held accountable for what he says. 

I dont remember exact date atm, but I will look for it, but last time I met with XXXX XXXX he got to yelling very loud and told me to get out. He didnt want to setup another court date or accept the payment I had for him at the time. I tried to make sure that anyone in office up front would be able to witness and remember those events. It had been almost 2 years maybe and now it seems as of yesterday I missed two court dates. 

however- They had my upto date info and still send court summons to old address cause he knew I would not receive them til late. And he is very verbally abusive during meetings, often by being cruel and offensive based on financial and lifestyle situations. I remember how he yelled at me for being homeless cause of my fianc at time left me for another man so he made sure to let me know she was with someone else and it was absolutely uncalled for. Seems everyone that meets with this company ( Procol , Inc & Thomas Birk ) I apologize for not having the exact date of my last meeting, Im gon na attempt to find more info. 
I wish I knew of your services years ago cause it would of been helpful. 
Thank you XXXX XXXX
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Education Principle Foundation (VA)

I got accepted to attend the XXXX XXXX  around XX/XX/XXXX, and I first started XXXX XXXX XXXXXXXX of that same year. In XX/XX/XXXX the XXXX XXXX sent us a random email telling us they were closing down All of their locations without no previous heads up or anything. I never understood the point in accepting students in that same XXXX month window in closing down. I took out loans with them not knowing they were going to close down on us. On XX/XX/XXXX the XXXX XXXX announced immediate federal loan forgiveness for over XXXX former XXXX XXXX XXXX XXXX XXXX Quoted by the President himself, Today, my Administration is approving {$6.00} XXXX in student debt cancellation for XXXX borrowers who XXXX XXXX XXXX XXXX. This institution falsified data, knowingly misled students, and cheated borrowers into taking on mountains of debt without leading to promising career prospects at the end of their studies.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Capital Accounts, LLC (IL)

On XX/XX/year>, I wrote to you requesting an investigation into items that I believed were inaccurate because they were furnished without my written signature. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the i nformation. I have enclosed it again and request that you reply within a reasonable amount of time. 
Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 

Please see my reasons for dispute below : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 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.

Under 15 U.S. Code1681b Permissible purposes of consumer reports Inever gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately I also understand that you are require d to notify me of your investigation results within 30 days and provide me with an updated copy of ALL DELETIONS on my credit report.
Consumer complaint received 2023-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

The issue is causing me significant distress and anxiety, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible.
Consumer complaint received 2024-07-29
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 Name : 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  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.