davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Yakima County Credit Service, INC (WA)

Formal Complaint Against YCCS 1. Around XXXX XXXX XXXX & XX/XX/XXXX and XXXX of XXXX YCCS insisted that I must sign a payment arrangement of {$300.00} a month before they would contact the XXXX XXXX XXXX ( XXXX  ) to lift my license suspension. I was unable to afford this amount. 

2. Recently on XX/XX/XXXX the agency agreed to a payment of {$20.00} without requiring me to sign any agreement and subsequently called the XXXX to lift my license suspension. This shows inconsistency and possible bad faith in their initial requirement. 

Impact of the Agencys Actions - Tickets and Fines : In the interim, I was pulled over several times and issued tickets for driving without a valid license couldn't transfer car into my name because of no license. 

- Employment Issues : Due to the suspension of my license, I was unable to secure employment, leading to financial hardships. 

-Emotional and Financial Distress : The stress and financial difficulties caused by this situation have had a profound impact on my life and well-being. 

-Recorded Evidence : All communications between myself and the collection agency were on recorded lines on their end. I am currently in the process of obtaining copies of these recordings as evidence. 

Request for Resolution 1. Review and Action : I request a thorough investigation into YCCS for their deceptive practices and misrepresentation. 

2.Compensation for Damages : I seek compensation for all ticket fines, lost wages due to the inability to secure employment, and emotional distress caused by this situation.

3. Remedial Measures : Implement corrective measures to ensure YCCS adheres to lawful and fair collection practices in the future.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MD)

Hi Equifax, I just pay for a credit report and I saw those fraud inquiries that I do not know about and shall delete from my credit report. 

Those inquiries below are fraud 1- GXXXX 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 XXXXXX/XX/year>
Consumer complaint received 2023-04-20
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. (AL)

The company that shows up on my Equifax credit report is XXXX. This collection was supposed to fall off by now as its older than 7 years. It keeps re showing up on my credit profile. Secondly, I sent them a debit validation letter, because I have no knowledge of this account ( I have never even had sprint as a phone carrier ) they sent me the validation but the address wasnt even correct on the paperwork that they sent me. I disputed with Equifax, but they still said it was valid. Is is 100 % not valid for two reasons.
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP (NJ)

I reported a dispute in the amount of {$360.00} to XXXX XXXX, XXXX XXXX XXXX Cardmember service on XX/XX/XXXX, dispute No. XXXX. 
They said they will mail out a letter and I need to respond to the letter with supporting documents for the claim. The letter dated XX/XX/XXXX arrived on XX/XX/XXXX. I mailed out my documents the same day, then received a letter dated XX/XX/XXXX, telling me they have not received a response. 
I mailed out the package again and called XXXX times. They acknowledged receipts of the XXXX mails from me, and told me they will have the XXXX to call me. 
Then I received a letter dated XX/XX/XXXX, saying that no new information was provided for them to alter the results of their earlier investigation. 
The XXXX never called, and I never received any communication stating they ever did any investigation, or how they did it. 
They allowed a charge to my card without my consent, and would not do the investigation after requesting the info, and keep telling me to call back and wait.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (SD)

I am one of the poor soles that wasn't saved by XXXX XXXXXXXX XXXX handouts and have paid my student loans XXXX, XXXX, XXXX, XXXX, & XXXX off totaling around XXXX dollars. 

Mohela has not reported the correct information to the credit reporting agency and when I dispute the info they do nothing. They have reported that I am making small payments on these loans when they have been paid off since XXXX. 

As a XXXX XXXX XXXX  who does not receive these free gifts from XXXX XXXX, I am reliant on my credit score and need it to be accurate for my livelihood. 

Again, I didn't vote for XXXX XXXX. I just want my loans reported accurately.
Consumer complaint received 2024-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

Information is missing on my loan. I XXXX  in XXXX and began paying my loans. I logged on to MOHELA and it does not show the full record of my payments and loan history. Also it has false information by stating my loan repayment began in XXXX. My loan repayment began 6 months after I graduated in XXXX. 

This is false information. Also a lot of documentation is missing on their site with regard to my loan. There is no loan numbers, no statements and no true information to validate this loan. Again, it does not show any of the payments I have made in the past 10 years. This misinformation and lack of documentation allowed for them to move my pay off date. 

In the attachment there is a section that shows on there website it gives you an option to see account history and when I select last 10 years, what is strange is there is no history. The attachment shows the activity they claim for the last 10 years. This is highly strange and inaccurate.
Consumer complaint received 2023-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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.
Consumer complaint received 2024-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC (IL)

My mortgage loan was transferred from XXXX to Shellpoint Mortgaging Services effective XX/XX/XXXX. My XX/XX/XXXX mortgage payment was paid to XXXX. My XXXX mortgage payment was paid online to Shellpoint Mortgaging Services on XX/XX/XXXX. On XX/XX/XXXX I received an Annual Escrow Account Disclosure Statement - Account History showing s contractual payment of {$730.00} with an increase to {$890.00} due on XX/XX/XXXX. On XX/XX/XXXX I received a Mortgage Statement with {$2200.00} due on XX/XX/XXXX. XXXX XXXX XXXX/XXXX/XXXX - XX/XX/XXXX indicates no activity. included in {$2200.00} was a fee of {$830.00}. The {$830.00} was listed as " Other Fee '' balance ( details below ). XXXX XXXX : Code Violation. XXXX has not indicated that there was any code violation or fee owed of {$830.00}. In dispute this charge as well as the statement on the form of overdue payment. So far in the span of 2 weeks my mortgage has gone from {$730.00} to {$830.00} ( XX/XX/XXXX ) to {$2200.00} ( due XX/XX/XXXX ) .I was with XXXX XXXX XXXX for XXXX  years and never had the problems I'm having with Shellpoint XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA (GA)

My name is XXXX XXXX, My ssn is XXXX XXXX XXXX and my date of birth is XX/XX/XXXX This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened XXXXXXXX XXXX  XXXX account # XXXX XX/XX/XXXX. Also the account # XXXX at XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CO)

XX/XX/2023 wellsfargo withdrew XXXX I have had my account for years my husband is on my account apparently my husband owes money and was garnished but with without notifying me at all when that money that was deposited was my checks my money there was no communication at all that this garnishment was going to take place I have bills to pay I'm on the accountant as well I was suppose to be informed of what they were to do this could've placed me in a negative amount If they would've looked at what checks were deposit they can see its in my name how can they not verify the other person on the account that this would occurred? I was told they can not speak of it only to the person that owes the money but they can withdraw the amount without the other person knowledge or permission?
Consumer complaint received 2024-08-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA (SC)

I've became aware that I have over XXXX thousands worth of Student loans that does belongs to be. I attended college almost XXXX ago and I have only completed 2 Semesters. 

I tried reaching out to Mohela/ Department of Education and they couldn't me my current or past address. I even request at least an signature stating that i'm responsible for paying all those loans that doesn't belong to me back. 

The tuition that was owed was repayed by the school, since I made the president and Finaincal aid aware that I noticed large loans were taken out and I never recieved any payments.

The school payed for those 2 semesters. 

I don't understand how I can have {$51000.00} worth of student loans reporting to my XXXX and {$44000.00} reporting from my XXXX and around XXXX reporting from XXXX. 

I would like for these loans and all of these false information to be removed from my credit report immediately.
Consumer complaint received 2024-09-30
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: EQUIFAX, INC. ()

I am BEYOND frustrated with Equifax They are reporting XXXX credit cards on my report that are in correct They show I have XXXX credit cards with XXXX XXXX and XXXX Credit cards with XXXX XXXX I only have XXXX credit card with XXXX XXXX and XXXX with XXXX XXXX I even sent a letter from XXXX XXXX stating I only have XXXX credit card and yet Equifax refuses to remove this Duplicate card from my report The duplicate cards show the same open date and credit limit so it should be obvious that this an error There is absolutely no accountability with Equifax when I call them Note the other XXXX credit companies have my information correct I have already sent multiple dispute 's with them
Consumer complaint received 2022-11-24
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. (FL)

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

XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX  XXXX # XXXX. 
XXXX XXXX XXXX : # XXXX XXXX XXXX XXXXk : # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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 intormation An other adverse Item of information. other than records or convictions or crimes which antedates the reoort ov more than seven vears 15 U.S.C. 1681s-2 ( A 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency iif the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (CA)

On XX/XX/XXXX I recently made a payment of {$600.00} and that amount was from all the past due payments that I have previously missed. I eventually got caught up on all my student loan payments and stopped missing payments that were due. I am now caught up on all my student loans. I would appreciate if those late payments that are on my credit report could get removed, having those late payments on my credit report is preventing me from boosting my credit score. 
In accordance with 15 USC 1666 ( b )
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (CA)

CB INDIGO WITH THE Company placed an unauthorized inquiry on my Ctedit report as many others Credit.Cards or car Lending have done same prestige it Means did not fallowed the rules. 
On my credit file I have a " FRAUD ALLERT " AND IT MEANS ANY ISSUES.CALL XXXX.
Consumer complaint received 2024-08-25
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: SUNCOAST CREDIT UNION (FL)

My XXXX paycheck that came in on account ending in XXXX on XX/XX/year> was knowingly and fraudulently was moved to my credit card acct ending in XXXX on XX/XX/year> and all my other debit cards stopped working " coincidentally '' at the same exact time that all this happened. The bank knowingly and willingly committed malpractice and negligence by allowing transfers against the account owners will and authorization multiple times, such as with the XXXX case and the credit card case, and other accounts multiple times.
Consumer complaint received 2024-08-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (WA)

In XX/XX/year>, I applied for the Chase Sapphire Preferred credit card with sign up offer bonus of XXXX miles with {$4000.00} spending requirement for the first XXXX  months. This card carries a {$95.00} annual fee. I waited over a month and the card still has not arrived in the mail. I called Chase and the customer service represented said it was marked as returned to sender. The representative said she resent it and since the card was well over a month late that she would waive the time limit for the sign up bonus. She said when I reached the {$4000.00} mark, just call and the bonus points will be added to my account. Months later after spending well over {$4000.00}, I called and the representative said there were no details mentioning this conversation in their notes and that they would escalate it. A XXXX  later I get a letter with no additional information that I didnt meet the sign up bonus requirement. I was told by the XXXX customer service representative that there was no time limit which is why {$4000.00} was not spent in first XXXX months. This sign up bonus was the reason I decided to go with Chase and then was promised new terms after not receiving the card originally then the company refuses to honor their new terms. The XXXX  month statement shows {$0.00} spending as I did not receive the card, it only shows the {$95.00} fee.
Consumer complaint received 2024-08-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: NEW YORK COMMUNITY BANCORP INC (CO)

On XX/XX/year>, I made a {$30000.00} ACH transaction initiated from my Flagstar Bank ( Mortgage ) account to withdraw funds from my XXXX Bank account. The funds in the XXXX Bank account had not cleared yet, so the transaction was denied and I was charged an NSF fee from XXXX. 
On XX/XX/year>, without any action by me, {$30000.00} was withdrawn from my XXXX bank account by Flagstar Bank. I have received the following information from XXXX Bank : The XXXX Transaction Trace Number is XXXX. The SPRAY number is XXXX This transaction was recorded by Flagstar Bank as a Return to XXXX Bank. XXXX Bank has recorded it as a withdrawl from my XXXX Bank Account. I have had many telephone conversations with Flagstar Bank and XXXX Bank. I have provided all the back-up documentation requested. 
At this point, I am out {$30000.00} plus interest from XX/XX/year>. 

I have attached the related Bank Statements and transaction details from both Flagstar Bank and XXXX Bank.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am requesting validation and accuracy on these account 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IN)

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


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

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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


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


Delete the late payments from my consumer reports
Consumer complaint received 2024-09-30
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. (SC)

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!