davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

The accounts listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided. 

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer. 

I demand the removal of the late payments from my consumer reports.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-06-28
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. (FL)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  XXXX XXXX
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CO)

I have submitted disputes with Equifax regarding their reporting of an incorrect collections account ( XXXX XXXX XXXX ) on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have submitted and mailed court documents along with my identification documents to verify that they are reporting inaccurate information. I have called to speak with Equifax customer representatives regarding this case on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite calling and speaking with managers and consumer affairs, nothing has been corrected in the reporting of this account. No actions have been taken by Equifax.
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: EQUIFAX, 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 15 USC 1681. 

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 XXXXXXXX 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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TomoCredit Inc. (MA)

This company REFUSES to cancel my subscription with them. They keep trying to charge me {$34.00} every XXXX day. I have TRIED TO CANCEL THIS SINCE XXXX. They're still charging my bank account. I don't know what to do anymore. I'm at the point to where I need to create a whole new bank account just to stop this. They aren't even reporting to my credit report anymore. They're just taking the money, or attempting to. 

My e-mail for TomoBoost is : XXXX There are HUNDREDS of people who are in the same situation as me. There are several class action lawsuits in place against this company.
Consumer complaint received 2024-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (AL)

On XX/XX/2024, I made a purchase for {$2700.00} via PayPal to XXXX for an industrial laser engraver to be shipped from XXXX. The item arrived severely damaged, I refused the delivery. After contacting the seller, he asked me to go ahead and accept the delivery so that he could file a claim with his freight forwarder to get the item replaced. I told him that I was opposed to setting up the machine because I didnt want to be stuck with it. The seller insisted that we need to test the machine to assist him with the claim process. I repeatedly let the seller know that I would not be keeping the item and expected the replacement to ship soon. After a few weeks, it became obvious that the seller had no intention of replacing the item. I filed a claim with PayPal for a refund of {$2300.00}, which was the price of this specific item from this shipment. I requested this amount because the seller himself stated that it would be impossible to ship the item back to XXXX because it would not pass customs and it would be to costly to his company. The seller himself refused to give me the refund or the replace the item, so I went through PayPal for the dispute. PayPal is now telling me that, despite all of the evidence I subimitted regarding the seller stating why I needed to accept the delivery and the discussion of replacement, I am repsponsible for the cost of shipping a XXXX pound laser back to XXXX at my own expense, in order to be refunded. The seller should be paying the the freight truck to come get the machine since I refused the delivery in the first place! I dont believe PayPal even bothered to look at the evidence to understand the situation.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK (LA)

XX/XX/year> sent letter XXXX XXXX Mail XXXX signed for on XX/XX/year> requesting verification of account with a document bearing my signature. No document furnished from the company bearing my signature. XX/XX/year> again sent letter XXXX XXXX Mail XXXX signed for on XX/XX/year> requesting verification of account with a document bearing my signature. No document furnished from the company bearing my signature. XX/XX/year> sent letter XXXX XXXX Mail XXXX signed for on XX/XX/year> requesting verification of account with a document bearing my signature and also notifying that they never placed notice on my accounts with the reporting agencies as disputed within 30 days as per FCRA and FDCPA sections stating that it is a violation not to furnish this notice. No document furnished from the company bearing my signature and no feedback as to what they are going to do about the inaccuracy of the account on my credit reports.
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX I TRIED TO GET THIS SITUATION HANDLE BUT THERE WERE NO AGREE DUE TO WRONG INFORMATION AND NO ORIGINAL DOCUMENTS. I WOULD LIKE FOR THIS ITEM TO BE REMOVED ASAP.

15 U.S. CODE 1692 ( C ) If a consumer notifies a dept collector in writing that consumer refuses to pay a dept or that the consumer wishes the dept collector to cease further communication with the consumer, the dept collector shall not communicate further with the consumer with respect to such dept.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC (GA)

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA (CA)

I have ( XXXX ) Direct Loans serviced through Mohela that are all enrolled in the XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. I have received XXXX communication ( email, phone, or mail ) regarding the court actions preventing the XXXX plan from operating or on the interest-free " Forbearance '' that has NOT been applied to my account. According to the Department of Education 's announcement : " Borrowers enrolled in the XXXX XXXX are being moved into forbearance. During forbearance, XXXX borrowers will not have to make payments. The time in forbearance will not count toward XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX loan forgiveness. XXXX borrowers will not accrue interest on their loans during the forbearance. XXXX borrowers will be notified about their forbearance by their loan servicers. '' I have not been notified of the forbearnce, interest is accruing, and upon contacting the XXXX XXXX XXXX XXXX, I have received XXXX direct guidance / insight on next steps or how to resolve this.
Consumer complaint received 2024-07-31
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (FL)

I recently discovered a parked debt on my XXXX credit report from EASTERN ACCOUNT SYSTEM. This is extremely embarrassing and concerning. No original creditor is listed, making me question the legitimacy of this debt. EASTERN ACCOUNT SYSTEM does not have my authorization to share my personal information. 

I will not be paying this alleged debt unless you provide a bill of sale, assignment, or any other agreement between you and the original creditor that proves your authorization to collect on this debt. I have reason to believe you are attempting to extort me by punishing me for non-payment on an extension of credit. Please be aware that under 18 USC 894, it is a crime to collect or attempt to collect by punishing a person for non-payment. 

Your actions have damaged my creditworthiness, causing me to be denied other extensions of credit that I am entitled to. You do not have my consent for these actions. If you claim to be the creditor, you will be held liable under TILA for any violations. Additionally, you are in violation of the FDCPA for harassment and for furnishing false and misleading information to third parties without my consent. Under the GrammLeachBliley Act, you must have my permission to share my financial information with a third party, which you do not have. Furthermore, under 15 USC 1681b, you must have a permissible purpose to obtain and use my credit report, which you have failed to establish. 

This message serve as formal notice that I will not be paying this debt and I demand that you cease and desist all collection efforts through all mediums, including credit repo
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$880.00} ( shown as {$880.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with MCM and/or XXXX, parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Consumer complaint received 2024-08-23
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was looking at my consumer report and notice a few things wasnt in accordance with federal laws I seen that XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX amount XXXX but the federal law states the social security number belongs to the XXXX and anything purchased with that identifier number is in obligation of the United States USC 8 means that anyone attempting to collect a debt from me is guilty under the false claims act [ FCA ] 31 U.S.C 3729 I also was required to put money down for the transaction title 31 USC sec 3123 all debts are United States Obligations and there is plenty more laws made by Congress that protect me as the consumer 42 USC 408 states asking for social security number on any credit transactions or loans is against the law because there is no lawful money and it is a crime.12 USC 1431 banks cant loan money because theyre the borrowers. UUC 3-104 tell us how to use a negotiable instrument,31 USC 5118. 1681 2a they arent supposed to report transactions 15 USC 1602 I am the original creditor. 15 USC 1605 finance charge shall be the sum of all charges, if it isnt its a violation and these other laws should be looked into 15 USC 1635, 15 USC 1662,12CFR s 202,15 USC 1602g USC 8, 12 USC 95a , 18 USC 894 is a federal statute that prohibits the use of extortionate means to collect or attempt to collect credit extensions, or to punish nonrepayment. The statute is part of XXXX XXXX, XXXX XXXX of the U.S. Code, which covers crimes and criminal procedure. These persons have violated my federally protected rights. Banks have been committing fraud since XXXX knowingly and willingly deceives the XXXX XXXX for financial gain every loan agreement I sign is actually a payable instrument used to pay for the service/ product so in fact its actually an exchange and not a loan in an exchange you are trading things of equal value by using my social security number.
Consumer complaint received 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I tried to pull my annual credit report for 3 consecutive weeks and i get an error message stating : Unable to complete your request online. 
Unfortunately your request can not be fulfilled online at this time.
Consumer complaint received 2024-07-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (NY)

FRAUD See attachment XXXX XXXX XXXX XXXX XXXX Citibank XXXX charge {$14.00} For a " Scammers Be Careful! '' The purchase was completed without my authorization. 

Citibank offered to reimburse, but only if I cancel my card and reorder a new one. 

At the moment, I CAN NOT do so as I am in transit to work today XXXX. 

Apparently, the Fraud was completed on XXXX If you can, please refund my account without canceling my card. 

I will update PIN information. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc. (LA)

We were told by our broker that in the state of LA, our mortgage interest rate can de reduced to 6 % due to our status as a military family. 

We closed on our house and reached out to our mortgage company, Mr. Cooper, and sent in our XXXX information to drop our interest rate. 

They denied our application because we were active duty while acquiring our loan. 

We reached back out and explained that per LA law, we were entitled to the interest rate decrease. Louisiana statute 29:312 C. The amount of any periodic payment due from a person, or spouse of a person, who is on active duty under the terms of the obligation shall be reduced by the amount of the interest and finance charges forgiven under Subsection B of this Section that is allocable to the period for which the periodic payment is made. 

They rejected our claim once again.
Consumer complaint received 2024-07-29
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Onity Group Inc. (IN)

I fell behind due to loss of income due to covid, work injury and reduction of work hours. I have tried over and over to work with them to get current. They told me my loan is a XXXX XXXX XXXX and it is not. I have a XXXX loan and have verified with XXXX that it is a XXXX loan. We have sent the loan documents over to prove itXXXX XXXX  has written to them on several occasions stating that it is a XXXX and to stop the sale to review for loss mitigation options offered by XXXX The rep from XXXX send them servicing guidelines to service the loan and they are still refusing nor are they admitting that they made a mistake on how they marked this loan. On the loan documents it clearly states do not mark as a XXXX XXXX XXXX ( attached ). So today when I called they are now telling me to fill out an application but it takes XXXX to XXXX business days to be reviewed. THIS SHOULD TELL YOU THIER INTENT. SO I AM GOING TO LOSE MY HOUSE DUE TO THIER ERROR????? IS THIS FAIR TO ME? THESE PEOPLE ARE HORRIBLE!!! HERE IS WHAT SHE WROTE TO THEM THEY REFUSE TO LISTEN TO HER Good Morning I was able to locate the loan for XXXX XXXX loan # XXXX and we do not service the loan we are just the guarantors of the loan. The lender is who services the loan and per our program guidance all borrowers who are in a default status must be reviewed for servicing if they are currently living in the house so they can bring the loan current. 



The foreclosure should be stopped so the borrower is evaluated for all servicing options under our XXXX loss mitigation handbook guidance I have attached, I have also attached our user guide for XXXX If you have any questions, please feel free to contact me. 



XXXX XXXX XXXX and XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX United States Department XXXX XXXX XXXX XXXX XXXX | XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Fax : XXXX
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio (FL)

On XX/XX/XXXX I noticed a collection account on my credit report, the company did not contact me through any means of communication, I have not received information about the debt that was placed on my credit report, according to fair credit laws and consumer protection laws I must be notified and I have the right to receive all the exact information about the account that is being awarded to me please, I need you to send me all the documentation for the account, the original lender of the account, the initial contract with the lender signed by me, the purpose of the loan application, the place and date of the agreement and all personal and account related data, including the balance, payments and debit of the account that is being awarded to me, I need all the documentation to be sent to my postal address.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Splash Financial, Inc. (TN)

XXXX XXXX conveyed to me that they had a loan product through on of their partners that I had an excellent chance of approval or I would receive {$50.00}. I did not receive the loan, nor the promised {$50.00}.