davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-08
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. (NC)

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.

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 2024-05-17
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (MS)

XXXX XXXX XXXX Account Number XXXX Dear, Navy Federal Credit Union Im writing to request a option to pay my credit card off one card at a time like it appears on my credit file on XXXX, XXXX and XXXX I went through financial hardship during the time I got behind in my payments and now Im able to pay them off.. I have tried to speak with someone numerous times to pay off my debt but I was told my two credit cards were combined Which is making it very difficult to pay off my credit balance May I have the option to pay off my first card which is {$2600.00} and next I will pay off my next card.. I have been with the company since 2015 and I have always been a good member who pays my bills. 

Thank you for your consideration to look into my case..
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation (GA)

Early this year I paid off a bunch of my credit cards, immediately after closing these accounts I called the credit card companies and closed the accounts. I had no issue with all but one of them, and the one was Fortiva. I called fortiva after paying off the credit card, and requested that they close the account the representative was hesitant and kept trying to sell me on keeping the card but I insisted he close the account. So he told me he would close the account. I cut the card up and thought nothing more of it until about a month ago I get a notification that the card has annual fees due and that I was late paying them, meaning they never closed the account, I called them and the foreign guy on the line for the card company said to disregard any notification and that the money isnt owed. So I did. About a week ago I get another notification that the balance on that account has now doubled and I start getting angry. I called the company again, I state that I have a balance of over XXXX $ on an account that shouldve been closed in XXXX. He states that the account was closed on XX/XX/year>, this was months after I called to close the account, and theyve just been piling fees up since. The guy on the phone said he would file a balance exemption for me and stated that he believed me and that would clear this up and I should hear back within a few days. Its been a week now and Ive heard nothing, and Im afraid this might impact my credit score, all because a greedy credit card company didnt simply follow my request to close my account in the XXXX. Fortiva credit card company has not been a pleasant experience
Consumer complaint received 2023-08-29
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westlake Services, LLC (SC)

I got my car from Kings of Credit/American Car Center in 2021. My payments were always reported to the credit bureaus. They were shut down at the beginning of this year ( not too sure why ). After they were shut down, I started having to do my payments through a collection company called Westlake Portfolio Management. Since American Car Center was shut down, its been taken completely off my credit.. which I understand. But now my credit has gone down because Westlake Portfolio Management has not reported any of my payments. So not only is my credit score low, it now looks like Ive never had a car in my name. I feel like Ive been paying on this car for XXXX years while also trying to fix my credit all for nothing! I have nothing to show for it. But a low credit score. Can they do this??
Consumer complaint received 2024-07-01
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. (AZ)

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 XXXXXXXX has violated my rights 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 2023-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount GR Holdings, LLC (OK)

I signed up for Solar Panels through a company called XXXX XXXX. I was quoted one price and when I received the price from a company named Goodleap who financed the Solar Panels the panels were twice the amount and the company XXXX XXXX did not finish installing the panels. Goodleap contacted me and said I have to make my monthly payment on the panels regardless of wether or not they installed them because I electronically signed the contract. My panel have not been finished and Goodleap is calling and texting me daily for payment. I went on the XXXX and Goodleap and XXXX XXXX have over 300 complaints of doing the same practice nationwide in the USA. I tried contacting XXXX XXXX to finish the installation of the panels and no reply. Goodleap has been calling other people in my neighborhood and telling them they can get a loan consolidation to pay them off and put their homes on the consolidation. this would mean you have a lean on your home. this is a a nationwide scam. I filed a report to my sate AG and making an appointment to speak with my congressman and sending this Information to any news channel that will investigate this.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX
Consumer complaint received 2023-08-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (MD)

This problem relates to the last problem that I filed regarding my Macy 's credit card account ending in XXXX ( my old card ) and XXXX ( my new upgraded XXXX XXXX XXXX  ). Since CFPB last intervened, the account was corrected. Macy 's advised me there was a new balance due of {$76.00}. I paid this amount in full immediately. The account then reflected a credit balance of {$10.00}. I called Macy 's and spoke to someone in credit to request a refund check for the {$10.00} credit amount. Macy 's agreed to send this to me. I checked my balance again a day or two later and there is a new balance in the amount of {$140.00}. I sent two messages through the Macy 's credit card website but did not receive a satisfactory answer as to what this balance was for. I have not used my card at all for any purchases for several months. I called Macy 's on Monday, XX/XX/28 and spoke to XXXX in credit who did some checking and said that this amount is not due from me and will be removed from my account in 1 to 2 billing cycles. I asked Macy 's to send me a letter or statement showing my new zero balance. I am not satisfied that this correction by Macy 's will take one to two billing cycles. Can you please help me to get this erroneous billing amount off of my account? I also do not want to be responsible for any more fees or finance charges on this account. I am not using this account any longer and I plan to never use it again!! Thank you! XXXX XXXX
Consumer complaint received 2024-08-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc. (CA)

This company is violating my Consumer rights by using false, misleading, misrepresentative, and deceptive means. I have made previous attempts to fix this issue directly with them, and they are violating my rights. As a result of this violation, I am entitled to {$1000.00} for every violation I listed. They either pay me or delete these accounts ASAP
Consumer complaint received 2024-05-17
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. (NJ)

On XX/XX/XXXX I checked my credit report on Equifax and noticed my identity was stolen. Someone opened an XXXX XXXX credit card under my name as a secondary user with a false address. credit card limit of {$29000.00} and charges made of {$7100.00}. credit card was opened XX/XX/XXXX and still open. as well as a soft inquiry made on XX/XX/XXXX to XXXX In which was not me. I called Equifax that same day to report this fraudulent matter. i was told to mail a disputed letter along with copies of my social security, drivers license, police report, FTC report, bank statement and my electric utility bill. i made multiple calls to Equifax to find out if they received my certified mailed information. all agent representatives told me nothing arrived. However, I payed for this important information to be certified mailed and signed for upon delivery. my information Is lost. on XX/XX/XXXX I spoke with an Equifax representative named XXXX she confirmed the XXXX XXXX credit card and XXXX soft inquiry on my credit history along with the fradulent residential mailing address. she helped me and provided me with the credit card account number to provide to the XXXX XXXX Fraud department. on XX/XX/XXXX i recieved a letter from Equifax that my information does not exist. it is still on my credit history. and to provide them with more documention that was already sent to them. this is very distressing. I am being given the run around. my identity has been stolen for four years.
Consumer complaint received 2023-02-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (TX)

I paid off my mortgage last year. XXXX had no problem with that. However, in XXXX of XXXX, I came down with a severe case of the XXXX XXXX virus. It last weeks. I was out of work, isolated and almost lost my life. Needless to say, i fell behind on bills. When i was finally able to return to work, my first order of business was to take care of my late mortgage payments. However, when i returned to work, due to COVID, my company cut my pay 20 %. I was behind and making less and i STILL caught up and paid off my mortgage. Now, those same late payments, in spite of my physical and financial hardship are keeping me from getting another mortgage and me and my family are in a state of flux. I am not asking for a hand out, i have already made sure XXXX was taken care of, i am asking for mercy. XXXX wrote me back and pretty told me to go XXXX myself with a standard letter that i will attach. If i could get any of those late payments removed, i will not be stranded in my current situation. I am begging for mercy and XXXX does not care because they got their money. I lost a TON during COVID and i had a ton of issues making payments but XXXX got theirs. They are UNWILLING to work with me. If they could just remove the late payments from XXXX, any of them, i would be so grateful, words do not describe.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CLGF Holdco 1, LLC (AZ)

Initial cared expired. 
Replacement never received although after 6+ months.

Called company to demand answers. So answers given and another replacement ordered.

I demanded the rep escalating call for an explanation to why I'm being denied my card, paying an annual fee, paying interest rate, and they are denying to uphold their end of the contract.

I was told it would be anywhere for 4 - 6 weeks another card. That timeframe has passed an still no card. 

I to this date have received nothing from the company.
Consumer complaint received 2023-09-19
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. (NC)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed 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 XXXX
Consumer complaint received 2023-09-19
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK (GA)

Consumer Financial Protection Subject : Summary of Discover Banks Violation of Equal Opportunity, Partiality, and Malicious Compliance of Extension of Credit Dear Sir/Madam , I am writing to provide a summary of the concerning conduct by Discover Bank that has raised serious questions regarding equal opportunity, partiality, and malicious compliance of extension of credit. I believe that Discover Bank has engaged in practices that infringe upon the rights of consumers and violate the principles of fair lending. I am seeking your assistance in addressing these issues and ensuring a just resolution. I have sent letters and even spoke with them over phone calls and it complicit bias, with no concrete reasoning to their decisions. 

The following summarizes the concerns I have regarding Discover Banks conduct : 1. Violation of Equal Opportunity : It has come to my attention that Discover Bank may have violated equal opportunity regulations, which ensure that consumers are treated fairly and without discrimination based on their race, gender, ethnicity, or other protected characteristics. I believe that Discover Banks lending practices have displayed bias or unequal treatment towards certain individuals or groups, thereby denying them equal access to credit opportunities.

2. Partiality : Discover Bank has shown indications of partiality in its extension of credit. There are concerns that decisions related to granting credit or establishing credit limits may have been influenced by factors outside of objective criteria, such as personal preferences or biases. This partiality undermines the principles of fair lending and equal opportunity.

3. Malicious Compliance of Extension of Credit : I respectfully request that the Consumer Financial Protection Bureau conduct a thorough investigation into these matters. It is crucial to determine if Discover Banks actions have indeed violated equal opportunity regulations, displayed partiality, or engaged in malicious compliance of extension of credit. I believe that the following actions should be considered as part of the investigation : Evaluation of Discover Banks lending practices, including reviewing loan applications, credit decisions, and credit limit determinations. 
Analysis of data and metrics to identify any patterns or discrepancies that indicate potential bias or partiality in lending practices. 
Assessment of Discover Banks compliance with fair lending laws and regulations, particularly those related to equal opportunity and responsible lending. 

I appreciate your attention to this matter and request that appropriate actions be taken to rectify the situation. If any further information or documentation is required, please do not hesitate to contact me. 

Thank you for your time and assistance in addressing these concerns. I trust in the Consumer Financial Protection Bureaus commitment to upholding consumer rights and ensuring fair lending practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

I have been a victim of identity theft I signed into my XXXX made a new account in XXXX of this year and I seen Mutiple names inquiries all on my account. I called XXXX in XXXX to ask what to do and they told me to upload documents to support the dispute Ive sent over 3 letters and im not getting any answers.
Consumer complaint received 2023-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Radius Global Solutions LLC (CO)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Regarding Inaccurate Reporting by XXXX [ Account Number : XXXX ] To Whom It May Concern, I am writing to formally file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of a balance by XXXX pertaining to my charged-off secured credit card account, with account number XXXX. I want to bring to your attention the concerning discrepancy in the reported balance and the true nature of this secured credit card account. 

It has come to my attention that XXXX inaccurately reported a balance of {$210.00} for my charged-off secured credit card, despite the fact that this account was initiated as a secured credit card with an accompanying deposit. I would like to emphasize that at the inception of this account, I made a deposit as per the terms and conditions of a secured credit card agreement. The remaining balance should have reflected not only the deposit I made but also the funds that XXXX retained in accordance with the terms of the contract. 

I hereby request that XXXX provide authentic and verifiable documentation of the original debt and the associated contract that clearly outlines the deposit I made and the terms governing the retention of a portion of my funds. It is imperative that XXXX presents accurate and conclusive proof of the financial arrangement that was established at the outset of this secured credit card account. 

In the event that XXXX is unable to produce the requested documentation that supports the reported balance and the terms of our agreement, I insist that this inaccurate reporting be promptly removed from my credit report. It is of paramount importance that my credit history accurately reflects the true nature of this account and the financial obligations associated with it. 

I appreciate your prompt attention to this matter and kindly request that you initiate an investigation into this discrepancy. I believe that the CFPB 's intervention will play a pivotal role in ensuring fair and accurate reporting practices by financial institutions. 

Thank you for your consideration and assistance in resolving this matter. I look forward to your timely response. You can reach me at [ email address ] or [ phone number ] should you require any further information or clarification. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-17
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. (NV)

Equifax has violated The Fair Credit Reporting Act and has furnished information concerning me I did not authorize. According to the Fair Credit Reporting Act, there must be permissible purpose to furnish information on someone's credit report or written consent from the consumer. Equifax has violated federal law and violated my rights. I asked them to verify where they received the information concerning me and they verified it came directly from the Bankruptcy courts. The United States Bankruptcy Court doesn't report to or validate bankruptcy filings with Equifax or any credit agencies. Upon my research, I found out that a 3rd party gathered the information from XXXX XXXX XXXX, sold the data directly to Equifax and then Equifax ( violating federal law ) furnished the bankruptcy data on my credit report without my consent or permissible purpose. The illegal method of credit reporting, and conduct of business between Equifax and the 3rd party, has caused me financial trouble. I have been unable to secure financing, a vehicle for my needs, and even a roof over my head. 

The bankruptcy reference numbers are ( XXXX ) and ( XXXX )