davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-07
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. (IL)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15 U.S.C 1681 Section 602 states i have the right to privacy. 15 U.S.C 1681 section 604 ( a ) section 2 it also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (MD)

Westlake Financial reported a payment as 30 days late on my XXXX and XXXX reports for the month of XX/XX/year> and yet on my XXXX as on time for the same month or billing cycle therefore making the report INACCURATE contrary to Westlake Financial 's claim to accuracy which is a violation of the FCRA consumer law 15 USC 1681e ( b ) surrounding the maximum possible accuracy and fairness required by credit reporting agencies. Westlake Financial has also failed to show proof that the information required by law 15 USC 1637 ( b ) was mailed or delivered to me as the consumer not later than 21 days before the payment due date in accordance with 15 USC 1666b which clearly states " A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose '' PLEASE SEE ATTACHED!
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (CA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

REQUEST DEBT VALIDATION In accordance with the Fair Credit reporting act this creditor has violated my rights. I have a right to privacy, A consumer can not furnish an account without my written instructions. 


Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, the collector must provide me with certain information, including a written verification of the debt, if requested. 

original contract copy of billing payment statement
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc (MO)

My mother and I signed a lease for XXXX XXXX XXXX  on XX/XX/XXXX thru XXXX. I contacted the office via text message requesting to extend lease to month to month. Due to I XXXX XXXX XXXX on XX/XX/XXXX and was relocating to XXXX Texas in XXXX or XXXX for work. I was informed by a reply from office manager that would be ok to extend to XX/XX/XXXX. On XX/XX/XXXX we were completely moved out of unit emailed property management keys were dropped off at office. They replied thank you. I received a collection letter from Hunter Warfield demanding rent for XX/XX/XXXX. My mom disputed charges to Hunter Warfield and credit bureau. Charges were removed from her file but not mine. They are stating I owe {$1500.00} due to text message that manager agreed to. I never extended a lease with a signature.
Consumer complaint received 2024-06-07
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 15 USC 1681. 

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 2024-06-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. ()

Citibank repeatedly cancelled my global transfers despite correct verification of my identity, citing unreasonable excuses like exceeding daily limit, can not set another transaction within 24hrs, pass cut off time and need further verification etc etc ; in which I am sure I comply all the rules for setting up global transfers and provide requested information to contact me for verification.

Upon multiple attempts to contact staff via phone calls and online chats, they just all gave out vague answers without a solid one for the repeated cancellations. And Citibank by this time today has already cancelled five attempts of my global transfers without a reason, causing a delay in getting my money for important use. Two transfers were successfully through to my XXXX XXXX Citibank account, but not the rest of the attempts. 

I do not think they have the right to hold a clients money without giving out a reason. For the record, all the money deposited and transferred out are owned by me but not from any third parties. And I dont see why they can not have a check on that before holding up the money or putting me on an alert list or something?!!!!

Details of the transactions were : Deposited three sums of money from my online broker accounts ( XXXX, XXXX and XXXX XXXX ) amounted XXXX, XXXX and XXXX on XXXX XXXX, XXXX XXXX and XXXX XX/XX/year>. Global transfers were successfully through on XXXX and XXXX XXXX of amount XXXX and another XXXX to my XXXX XXXX Citibank account. But in between, there were four attempts of either XXXX global transfers being cancelled despite repeated phone calls and online chats with staff as mentioned above, every time without any reason and without making any effort to contact me. 

Today, Ive set up another global transfer about 11 hrs ago and was found being cancelled AGAIN..I have used up all my patience in dealing with Citibank ; Ive set this transfer more than 24hrs from the last one, theres no exceed of limit or any cut off time pass and my verification mean is well stated. 

Thus, I am writing to complain Citibank by holding clients asset without sound explanation and falsely putting a client on whatever alert list that theyve created.
Consumer complaint received 2024-08-05
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: Experian Information Solutions Inc. (CA)

Upon checking my credit report I noticed multiple unauthorized inquiries on my credit report I did not authorize due to the fact my wallet was stolen and ID along with my SSN card was stolen. I called Experian credit reporting agencies today about XXXX as instructed to by my local police department crime report # XXXX and requested that the identity theft unauthorized inquiries be removed immediately and Experian only removed 2 of them so now I have to dispute unauthorized inquiries with the actual companies are such as follows : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX- XX/XX/year> 3. XXXX XXXX XXXX XXXXXX/XX/year> Remove all unauthorized inquiries thank you for your understanding. Attached is a copy of my policy report for the identity theft report.
Consumer complaint received 2024-06-21
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

The derogatory rating on my account is causing me significant distress. Its impact on my credit has been severe, already resulting in a rejected loan application and increased interest rates on my existing credit accounts. This negative rating has caused, and continues to cause, substantial financial hardship and emotional strain.
Consumer complaint received 2024-06-21
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (AZ)

Approximately XX/XX/year>, I purchased a {$100.00} XXXX gift card from XXXX. I tried to use my gift card today to pay for a hotel online. The card was refused so I called the XXXX number and was told that my card was registered to someone else??? This after attempting to go to XXXX to register the card. I was told the account couldnt be found. I am searching the Internet and have learned that XXXX gift cards are fraudulent. Please help me. I would like to get this resolved. I want a full refund I believe at XXXX knows About this problem and continues to sell these Fraudulent gift cards.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (GA)

My account was restricted in XX/XX/20 and I was told that I could go into a branch on XX/XX/20 and retrieve my remaining balance of {$2500.00} via Branch Manager Override. I notified them that it was an emergency and that those funds were much needed and literally just direct deposited the same morning. The branch manager attempted to withdraw the funds and still had issues overriding the system. This has put me in a extreme emergency predicament, as those funds is all I have and I literally am working paycheck to paycheck. I am very disappointed in Chase bank and its very disheartening.
Consumer complaint received 2024-06-21
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OneMain Finance Corporation (NC)

I received a Civil Summons from One Main Financial Group on XX/XX/XXXX from a police officer at my home that me and my husband were being sued for a debt back in XXXX. I have never received any Debt Validation Letter from the company. I reached out to the company via phone and spoke with an agent named XXXX and asked if they could send a Debt Validation Letter and he got quiet for a moment then said he would, but we never received it as of today. I do not even know the account number. They say I owe {$15000.00} which is also inaccurate as well.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TDRC/YRDCARD XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/year> NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. 

The line of credit I have with your company, which is characterized as utilization on my consumer reports. 
YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! 

Account : XXXX Account XXXX : XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( TDRC/YRDCARD ) Making the report is NOT INCLUEDED on my Consumer report!

Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ TDRC/YRDCARD ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. 
You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s TDRC/YRDCARD Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non-Compliance Civil Liability Mental Anguish Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address
Consumer complaint received 2024-06-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC (WA)

I was employed as a travel nurse and due to lack of assignments I had to seek employment elsewhere. My new position pays {$20.00} less an hour. I contacted my mortgage servicer, Loancare, in XX/XX/year> and they requested information to start loss mitigation and loan review process. I call weekly and I'm told my loan issue is being handled by the escalations department. I am given dates and told the process will be done by that date. It never is. I am falling further behind on my mortgage and I'm receiving letters threatening foreclosure and requesting the same information I've already provided twice since XXXX. I am concerned that they are dishonest. I need answers.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TN)

I reached out to the reporting agencies online to get a copy of the information from my credit reports and Lexis Nexis report. I was sent a reply from the company stating they could not send me any information. I reached out on two separate occasions and both times I was denied documents. The improper reports are creating identity theft situations well as fraud occurrences that is creating financial incorrect information that is causing incorrect assessments making any payments as a result of the inaccurate report excessively elevated causing financial hardship as a result.
Consumer complaint received 2016-11-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MO)

My mortgage is currently held by Nationstar Mortgage. I have a 30yr FHA loan. About a month ago I received an unsolicited phone call from Nationstar offering refinance options. In the process of discussing that, their representative discovered that based on the amount of time I have had my loan, the fact that I had missed no payments, and my loan to value ratio, I no longer needed to be paying mortgage insurance. I have no idea how long I have been needlessly paying MI, and Nationstar certainly did n't offer to tell me, or to refund the unnecessary payments. Had I not happened to have this phone conversation I NEVER would have realized that I no longer needed the insurance. I foolishly assumed it would stop being charged when my loan to value ratio reached the threshold. When I did a XXXX search about this issue, I came to find this is an industry-wide problem, and one of the articles I read led me to the CFPB web site. So at this point I 'm assuming I 'm just going to have to take this one on the chin, but this company has provided me with such horrible service in general I felt moved to file a formal complaint about having been truly XXXX out of money for insurance that I did n't need.
Consumer complaint received 2023-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (IL)

I am writing to formally file a complaint against Mercedes Benz Financial regarding their inaccurate and incomplete reporting of an account on my credit reports. I have previously disputed the way this account is reported, but my concerns remain unresolved. 

The discrepancies in the reporting of this account are evident across the three major credit bureaus : XXXX reports the payment status as " Too new to rate ; Approved but not used. '' XXXX states " Paid, was a repossession. '' XXXX indicates " Paid or paying as agreed. '' Furthermore, there are inconsistencies in the reporting of late payments : XXXX reports " Past Due - 90 Days '' six different times. 
XXXX and XXXX, however, state that this occurred only four times. 
Additionally, I have observed that there are months in the full payment history of this account where the payment information is incomplete, indicating that the account is not reporting complete data. 

I have previously disputed these discrepancies with Mercedes Benz Financial, but their response concluded that the account is reporting accurately, which I strongly disagree with. 

For your reference, I am providing a copy of how the item appears on my credit report to demonstrate that this account is not reporting accurately or providing complete data.
Consumer complaint received 2024-06-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc. (GA)

Subject : Complaint against NCB MANAGEMENT SERVICES for Violations of Consumer Financial Protection Laws To Whom It May Concern, I am writing to file a formal complaint against NCB MANAGEMENT SERVICES for multiple violations of consumer financial protection laws, specifically as outlined below : XXXX. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : NCB MANAGEMENT SERVICES has placed a collection account on my consumer report without providing any validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation or verification of the debt, despite it negatively impacting my credit report. 
2. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). NCB MANAGEMENT SERVICES failed to notify me of my right to dispute the debt and has not responded to my requests for verification.

3. Use of False, Misleading, and Deceptive Means : NCB MANAGEMENT SERVICES has engaged in practices that are false, misleading, and deceptive in attempting to collect this debt. They have provided no substantiation of the debt 's validity and continue to report it inaccurately to consumer reporting agencies.

4. Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : NCB MANAGEMENT SERVICES has furnished information about this account to consumer reporting agencies without providing required disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). This action is in clear violation of federal law governing the accurate reporting of consumer credit information.

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against NCB MANAGEMENT SERVICES. I am seeking resolution of this matter, including but not limited to : * Verification of the debt in question and its removal from my credit report if not substantiated.

* Correction of any inaccuracies in reporting to consumer reporting agencies.

* Any other relief deemed necessary to rectify the harm caused by NCB MANAGEMENT SERVICES ' actions.

Thank you for your prompt attention to this matter. Please contact me if further information is needed.

Sincerely,
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX  XXXX has indicated that i was both 30 days late and 60 days late for XXXX and XX/XX/2023. Please see attached credit card statements that show in the account summary that I had a XXXX balance due and no late payments for the dates in question.
Consumer complaint received 2023-11-07
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. (AZ)

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accounts as unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-05
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. (TX)

I received a response from the credit reporting agencies indicating that the investigation of these accounts was completed and the items were verified. However, my credit report still contains multiple inaccuracies. 

Under 15 U.S.C. 1681i ( 7 ) regarding the Method of Verification, I am entitled to understand the verification process conducted by your agency. I demand a detailed account of every step taken to ensure the accuracy of these disputed items. 

Despite the investigations, my credit report continues to reflect discrepancies. I request the immediate removal of these inaccuracies from my credit report.