davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-24
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. (NY)

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( XXXX ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow. 

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - SELF EMPLOYED Incorrect DOB : - XXXX  Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, XXXX Employer - XXXX XXXXY Incorrect Name : - XXXX XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX  - XXXX XXXX XXXX  XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX OF XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Consumer complaint received 2024-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

XXXX XXXX installed faulty equipment which never worked and they refuse to make any further repairs. I still have to pay for electric service through XXXX and continue to receive demands for payment to XXXX XXXX through XXXX XXXX XXXX. 
I am also filing complaints with Florida Attorney General and Federal Trade Commission.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.
Consumer complaint received 2024-04-23
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICA FIRST FEDERAL CREDIT UNION (AZ)

XX/XX/XXXX - Called loan advisor, regarding my documentation so that I could register the vehicle as registration was expired. 

Loan advisor informed me that my name was not on title to the vehicle. I asked her how that is possible being loan is in my name. She said she must have asked me. I asked for all the documentation as that was never a conversation we had regarding if I wanted my name on title or now. 

XX/XX/XXXX - I called into the main America First Credit Union phone number to ask questions regarding, how the loan was put in my name and my name was not added to title, it was only put someone else name. They spoke with loans department, records department, processing department to all of which had admitted that there was never a conversation with any representative that I was taking out a loan and only putting the vehicle in someone else name. 

XX/XX/XXXX - From XX/XX/XXXX to XX/XX/XXXX I have had multiple conversations with America First Credit Union. They have had several employees admit that there was never any conversation regarding how to take title or any paperwork regarding that. I asked them to help resolve this as asking me to pay for a vehicle that they mistakenly did not add my name to is not appropriate and that I should not be held responsible for a mistake that they made. They have said that the only resolution would be for the other party on title to sign an amendment to add my name to title. I have told them that the other party has no financial responsibility and if I pay off the loan they will send them the title free and clear. They have never notified me that they have tried to contact the person who they put on title. They had a representative tell me they would try and see if there was a way they can add my name without having the other party sign anything. I have asked the credit union to take some accountability for the mistake they made and they are unwilling to provide any assistance to come to a resolution for this. There are several times they would not call back when they said they would and I have had to call back in. I have asked several times to speak with someone on the Supervisory Committee and no one will provide me any information to who I can email or phone to have a conversation regarding this matter. They continue to transfer me through representatives in several departments in a circle. I have tried for 40 days to find a resolution with no help from America First wanting to take any kind of responsibility.
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-04-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation (TX)

I had my OneMain financial card stolen and used without my consent I opened a complaint last year on XX/XX/2023 complaint id is XXXX to which they responded they credited me for the charges, closed the account but I received letter saying my account is past due. When I called they said they didn't credit the interest? And I'd have to submit another complaint and go through all the steps again. If the account was closed how is it gaining interest?
Consumer complaint received 2021-05-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: WELLS FARGO & COMPANY (GA)

I was deceived into the loan that I finished paying off. The terms for the end of it were not made known to me and I ended up making way more payments than I should have. Once it was close I also had to change my account number for my checking account during the process which further ruined my finances and showed up as a negative on my credit reporting. It is not fair that I wasnt allowed to decline the setup for that kind of loan knowing what was in store for me by Wells Fargo.
Consumer complaint received 2024-04-23
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Athena Bitcoin Inc (NJ)

I hope this letter has correctly found itself within your complaints/fraud department as it is very essential to me that you become aware of the ordeal I have had to go through. Commencing on or around XXXX XXXX, 2023, I fell victim to a multi-layered scam operation orchestrated by criminals posing as representatives from my Bank and XXXX ( the Fraudsters ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX USD which was transferred from my wallet utilising your services. I do not have a proclivity to blame others for my downfalls, however, I can not help but link this enormous loss with the trust I had instilled in your institution which is regulated.
Consumer complaint received 2023-10-30
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NC)

I am a victim of identity theft all accounts listed below should be Blocked and Removed from all credit reporting Bureaus immediately. 
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 EXPERIAN=ACCOUNTS 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
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2024-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (NJ)

Subject : Cease and Desist Letter Regarding HIPAA Violations Dear Sir/Madam, I am writing to you regarding your recent attempts to collect a debt allegedly owed to XXXX XXXX XXXX on behalf of Radius Global LLC . Account # XXXX It has come to my attention that your collection activities may be in violation of the Health Insurance Portability and Accountability Act ( HIPAA ). 

HIPAA regulations strictly govern the privacy and security of individuals ' protected health information ( PHI ). As a debt collector operating on behalf of XXXX XXXX XXXX, you are obligated to adhere to these regulations. 

It has been brought to my attention that during your debt collection efforts, you may have disclosed or accessed PHI belonging to me, which is a direct violation of HIPAA regulations. This unauthorized disclosure or access to my PHI constitutes a serious breach of privacy and warrants immediate action to rectify the situation. 

Under the provisions of HIPAA, any entity that discloses or accesses PHI without authorization may be subject to severe penalties, including fines and legal action. As such, I demand that Radius Global LLC cease all collection activities related to the debt owed to XXXX XXXX XXXX until this matter is resolved. 

Furthermore, I request that you provide me with a written explanation of how my PHI was obtained, accessed, and utilized during your debt collection process. Additionally, I require confirmation that all copies of my PHI in your possession have been securely destroyed and that no further unauthorized disclosures will occur. 

Please be advised that failure to comply with these demands will result in further legal action, including but not limited to reporting this matter to the appropriate regulatory authorities and pursuing civil remedies for the violation of my privacy rights under HIPAA. 

In addition, I want to make you aware that should this matter escalate to arbitration, it will result in substantial costs for your company, potentially totaling thousands of dollars. Additionally, I expect compensation for the time and inconvenience caused by this XXXX violation. Therefore, I am requesting {$1000.00} payable to me for my time. 

I expect a prompt response to this letter and a resolution to this matter within 15 days. You may contact me via email at XXXX Thank you for your immediate attention to this serious issue.
Consumer complaint received 2024-04-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CT)

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 XXXXXXXX has violated my rights. Or a 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 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation (MS)

The creditor is reporting an incorrect balance on my report and is also reporting the incorrect original creditor on my report. The incorrect creditor is also reporting incorrectly on my account. They are stating XXXX different original creditors and XXXX different open dates.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (IN)

In accordance with the Fair Credit Reporting Act, the following creditors, NAVY FCU - ACCT # XXXX  have violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy. 15 USC 1681 Section 604 ( A ) Section 2 states that a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B states that a creditor may not treat a payment on any account this is open as a consumer or revolving account as late for any purpose.
Consumer complaint received 2022-12-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (NC)

I signed up for the square then after some days they deactivated my account they sent me an email in which they are holding the funds for 90 days now its been more than 180 days all the disputes are resolved and 90 % are won by me they just kept sending automated emails but not releasing my funds
Consumer complaint received 2024-04-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

RE : MIDLAND CREDIT ACCT : XXXX It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe. 

In order that I can make arrangements to pay an obligation which I may owe, please document and verify the " debt '' by complying in good faith with this request for validation and notice that I dispute part of, or all of the allege debt. 

1. Please furnish a copy of the original promissory note redacting my social security number to prevent identity theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judge 's inspection should there be a trial to contest these matters.

2. Please produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.

3. Please identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding that alleged debt.

4. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note. 

5. Please verify under the penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable, unless the party to whom that contract is extended could have rejected the clause without impunity.

6. Please provide verification from the stated creditor that you are authorized to act for them.

7. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment. 

I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for that account listed above. 

Under the Fair Credit Reporting Act ( FCRA ), unverified, invalid accounts must be removed. 

If you are unable to provide this to me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once removed the account from credit reports. I demand the account be validated or removed immediately.

The law is very clear as to the Civil liability and the remedies available to me for the " negligent noncompliance '' ( Section 617 of the FCRA ) if you fail to comply with this Federal law.
Consumer complaint received 2016-08-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OH)

My Daughter and Son in Law 's mortgage loan with XXXX XXXX XXXX was being reviewed for a loan modification due to a hardship change when she received a letter from XXXX XXXX XXXX that said her mortgage was sold to Nationstar with no mention of her modification decision. She sent a new modification package to Nationstar explaining they would review her modification request. She faxed her new modifcation package to Nationstar on XXXX XXXX, 2016. I am an authorized third party who Nationstar has acknowledged and they still have not received her package and it 's been over 5 buisness days. Each representative has told me the internal review process is they would contact XXXX for her documents but her documents are stale dated they are way more than 90 days old to review that does n't make sense when the borrower/homeowner sent an updated package requesting a modification review. My first concern is how can XXXX sell her loan and not send a decision letter to the homeowner regarding the modification that was under review. My second concern is Nationstar not addressing the borrower 's request for a mortgage loan modification and willing to review stale dated documents..
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
Original Creditor : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$1300.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Account was settled on XX/XX/2024 requested a letter on XX/XX/2024 to have it removed from all three credit report bureaus via email, No response from XXXX. Account still reflects on credit report.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid 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: Block, Inc. (GA)

On XX/XX/2022 I went to make an ATM withdrawal, and the money was not dispense from the ATM and I, received a receipt stating my withdrawal could not be completed at this time .that all the information I needed to make, My claim was included on the receipt. I also sent customer support cash app multiple times the pictures and the documents that I had to prove this.