davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC (SD)

We are reaching out to you today because Monterey Collection Service sent us a communication back on XX/XX/year> regarding a debt related to XXXX XXXX. 
We have previously reached out to XXXX XXXX regarding our account because we are trying to get our account with them closed. We are disputing the charges. We sent Monterey Collection Service a letter around midXXXX advising them that the account number XXXX was disputed. We also asked that they provide us with a copy of the original signed agreement and other documentation of the alleged obligation to XXXX XXXX. 
To date, we have not received any response from them. It is our understanding that if the debt is not validated by them or they do not have the required authorization as required by the Fair Debt Collections Act, they must terminate the claim and correct any negative credit reporting that may have been made. Alternatively, we will except a letter from their firm stating that this matter has been satisfied and that any adverse credit reporting has been expunged, removed or properly corrected. We would like to continue our discussion directly with XXXX XXXX, and cease any further communication from Monterey Collection Service.
Consumer complaint received 2024-08-02
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Statewide Tax Recovery, LLC (CA)

I have repeatedly received calls from statewide tax recovery incorporated. XXXX. Address shows at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 

I received phone calls from them periodically. At XXXX time received a call at XXXX XXXX. on XX/XX/XXXX. 

XX/XX/XXXX, At XXXX received a call that lasted XXXX XXXX  and XXXX XXXX. Saying I owe this debt from XXXX  back. I kindly ask them to send me debt verification so I can Verify the debt as factual. 

I have yet to receive those documents. I received another phone call XXXX  which I did not answer. 

I gave them a chance to leave me alone or provide the debt verification and they have not done either. 

I also asked them to cease and desist on the phone unless they provide me with the verification.
Consumer complaint received 2024-08-13
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. 

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 XXXX XXXX XXXX XXXXXXXX : Balance : $ {$2500.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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 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 2024-09-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (NV)

CKS is trying to collect on a debt that they know was one of the fraudulent accounts. I attempted to request a full transaction history so I can ensure that none are legitimate. They refused, deleted it from my report to avoid having to verify, and then placed it on there again. They have my FTC report hospice certification for the time period and all other documentation. I do refuse to speak to them directly. As they are extremely abusive pushy and trying to trick me into verifying the debt, so they will need to do all verification via mail and through 3rd party. I offered arbitration when my health allows if they believe this debt is truly legitimate.They have also reaged this account A few times and changed the balances.
Consumer complaint received 2024-07-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (TX)

extra payments of {$100.00} I made from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  were originally applied where I paid them, as principal only payments, then were retroactively taken from where I paid them and put on other loans. I called to have them fix this. They said they did. Now XXXX has no information about my loans and AidVantage says they have no info either. I think the 7 extra payments I made between those 18 months was illegally taken and put on outstanding interest in order to increase the profits of XXXX before they transferred my loan and deleted all information about the account. This happened on XX/XX/XXXX and my payment history shows that these payments were originally accepted for a different date. They didn't send any information to Aidvantage either. So now no one has any record of my account. All digital receipts were deleted by XXXX
Consumer complaint received 2023-03-13
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

wells fargo has not satisfied my issues, why was the payment for my fathers home not sent to the house in foreclosure, after he passed I became trustee of his trust I had all authority to have the payments sent to me, instead you sent me a document saying I needed a court representitive to do this but you allowed his girlfriend to change the address to her home, I would like to see her court representive allowing her to do XXXX XXXX was not the original trustee as you claim and ndex filed notice of default with the court before they were named substitute trustee and I have proof. so that would make the forecloser null. you claimed that we were getting help through some program and it seems that it was after the forecloser. and you also claim that you had no corospondence with us in which I have proof that you did, you admitted yourself by showing how we supossedly weree being helped with a loan modification, so you lied about that, this is crazy you need to fix this no more lies
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (OH)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Consumer complaint received 2024-06-18
Product: Credit card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/year>, I purchased a Gift card for the amount of {$200.00} with Kohls at :XXXX XXXX XXXX XXXX XXXX ca XXXX. It was paid with my Kohls store credit card.A month later when the person i gifted the card was going to use it she was told at the register that the card had a {$0.00} balance. The assistant manager named XXXX XXXX at store Kohls in XXXX XXXX XXXX, was really helpful and went to his computer to see what he could find out, he verified that the Gift card wasnt used as a payment method before and he confirmed that the payment ln the gift card was completed. I called the number on the back of the gift card, the customer rep told me that he could see that the card had a {$200.00} balance and was ready to be used, I passed the phone to the assistant manager and again he explained the customer service rep that he couldnt use it as a payment method because it didnt reflect any money, after a while the customer rep told me to wait a day and go to the actual store where I bought from and see if they could help out. The next day I went to the original store where I bought it and the manager told us that she couldnt do anything that the money had already been refunded back to my card, I told her that wasnt the case but she dismissed me saying I needed to call customer service and she wouldnt help us. The next day I called customer service and the rep told me that the gift card was canceled on XX/XX/XXXX and that she didnt know why that I had to call corporate refunds for that. The number provided for corporate refunds was : XXXX. I called and there was q message saying that there was q high volume calls to leave my phone number for them to call me back. I called a total of 14 times that number and the never called me back, i decided to wait in line the last time I called, I was on hold for 2 hours and 25 minute ( which I took a screenshot ) and NO ONE ANSWERED. I sent messages thru the message system on my kohlscard website and was told to call the credit card number I called the credit card they told me to go to the store where I bought from for a refund. I went to the store and the manager will not issue me a refund she says to call the customer service number. No one can help me with this matter, Ive been a loyal customer for more than 10 years and never had I ever thought that giving a Kohls Gift card would turn into such a nightmare and waste of time where no one at their company can help.
Consumer complaint received 2024-09-11
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: BARCLAYS BANK DELAWARE (VA)

In XXXX I was scammed into investing with a real estate/entrepreneur money making scheme called the XXXX XXXX XXXXXXXX method. This company is known as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. On XX/XX/XXXX the Federal Trade Commission issued XXXX XXXX for XXXX XXXX and Monetary Judgement XXXX, IT IS ORDERED that the Corporate Defendants and Individual Defendants are permanently restrained and enjoined from advertising, marketing, distributing, promoting, offering for sale, or selling, or assisting in the advertising, marketing, distributing, promoting, offering for sale, or selling, of any Real Estate Coaching XXXX XXXX XXXX XXXX Coaching Program. The permanent injunction is attached. 

XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with XXXX Bank Delaware with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my XXXX XXXX. 

I request Barclays Bank Delaware dissolve all charges that were charged to me for services I never received from XXXX XXXX and were deemed fraudulent by the Federal Trade Commission. 

Barclays Bank Delaware previously made the statements in their initial responses that " You transferred a charge to this account " which is a false statement. The 3rd party financial assistance company made this transfer. The company XXXX XXXX was shut down by the Federal Trade Commission. 

In total I was charged approximately {$60000.00} spanning multiple credit cards which were opened by a 3rd party company and charged. In XXXX of XXXX I received a settlement check for approximately {$4500.00} which is nowhere near the amount I was charged. I'm requesting Barclays Bank Delaware to file a claim against XXXX XXXX and it's defendants through the Federal Trade Commission and dissolve me from these fraudulent charges and update the change to every credit reporting agency.
Consumer complaint received 2024-09-03
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: CL Holdings LLC (TX)

This is regarding account JEFFERSON CAPITAL SYST ( Original Creditor : XXXX XXXX ) XXXX on my credit report. Your company responded to CFPB complaint XXXX stating that this tradeline would be removed from my credit report. Your response was submitted on XX/XX/scrub>XXXX and it is now XX/XX/year> and this account is still reporting on my credit report. I am demanding that this account is removed immediately, and the True bill attached to this complaint is paid for failure to comply with FCRA regulations. This true bill was attached to the last complaint, where your company failed to pay, but instead stated that the account would be removed and that was not true. I am keeping a paper trail of my correspondence with your company for legal purposes. Payment is to be remitted to the address listed on the invoice. Failure to remove this account and remit payment may result in a suit against your company.
Consumer complaint received 2024-09-17
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc. (NV)

I have XXXX XXXX XXXX, Ive paid my portion off. They said that the XXXX XXXX XXXX XXXX has owed them around XXXX XXXX They also kept my entire deposit of around XXXX XXXX Never stating reasons on why. I thought maybe they kept it until XXXX XXXX XXXX XXXX XXXX XXXXXXXX paid them off but I see now thats not the case not only is the amount theyre asking for is wrong. Its also not my debt to pay.
Consumer complaint received 2023-10-26
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. (ID)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 2024-08-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (OH)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-12
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. (IL)

I've been having the worst experience with Transunion and XXXX regarding their lack of properly investigating inaccurate information on my credit reports. The same accounts that I disputed with XXXX came back as unverifiable and the accounts were deleted from my report. I don't understand why the same accounts came back as verified with Transunion and XXXX. This further proves that they did not investigate like they should have. See attached documents.
Consumer complaint received 2023-10-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (IL)

I recently received a copy of my credit report and found out that you are illegally reporting inaccurate information about me. I have attached proof of these accounts reporting differently with all 3 bureaus. Some of these accounts have been previously disputed and have come back verified but how is that possible when they are all reporting something different? The XXXX XXXX XXXX account is even reporting as account type unknown. How are you reporting an account if you dont even know what type of account it is? Furthermore how is it coming back verified? The proper investigation has not been done on these accounts. Remove them immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TN)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Dear CFPB, I am filing a formal complaint against XXXX for their mishandling of my student loan deferment request, which has resulted in significant and unwarranted damage to my credit score. 

On XX/XX/year>, I submitted a request to defer my student loans due to my enrollment in school, along with all required documentation. XXXX initially rejected my request, incorrectly stating that the official 's signature was missing, a mistake they later acknowledged because the officials signature indeed was there. XXXX, a loan specialist at XXXX, assured me that the forms would be reprocessed. 

As of XX/XX/year>, my deferment request has still not been processed, and I have experienced a drastic drop in my credit score of 60-80 points. My credit report shows remarks such as " Loans deferred '' and " All payments made on time, '' yet despite these positive indicators, my score has significantly decreased. Additionally, my XXXX account continues to show that I owe loan payments, which I believe is due to their failure to process my deferment. 

Further, I have noticed that XXXX has made 18 changes to my credit report during this period. This is an excessive and unnecessary amount of changes for a simple deferment request, and it has directly contributed to the substantial and unjustified drop in my credit score. 

This situation is causing me undue financial stress and impacting my creditworthiness through no fault of my own. I am requesting the CFPB 's assistance in ensuring that XXXX corrects the errors on my credit report, properly processes my deferment request, and rectifies any inaccuracies in their records that are currently harming my credit score. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX