davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-09
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. (MI)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : Chapter XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (MA)

I made a payment on my card on XX/XX/XXXX but I had an automatic payment that was scheduled on XX/XX/XXXX. on XX/XX/XXXX I called the bank and asked to cancel the duplicate payment. I was told this process will take 3-6 business days, the money will be back to my checking account on XX/XX/XXXX. It did not happen. On XXXX I called the bank I was told it will be there on XXXX. Every time I called I got something new. I had filed a dispute with my eastern bank ( checking account ) which costs me {$35.00} dollars. Today I had called credit card company 5 times I was transferred to Elan credit card manager ( Eastern bank ) who told me there is nothing they can do for me. The money is not going back to my checking account as I requested. They will keep it. I believe I am entitled to request the adding payment to be reversed to my checking account and there should not be any problem. Apparently, I was told no. There is no policy I signed that mentioned if customer made a duplicate payment to their bill by mistake they are not going to refund the money nor reverse it to the bank. I believe this is abuse and bad business. I need my money back to my checking account.
Consumer complaint received 2024-07-04
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc. (TX)

I closed an account with KIKOFF XXXX XXXX XXXX in XX/XX/year> and ceased doing business with the company. I closed the account due to un-satisfaction with services. At the time of closing my account was current. 30 days later KIKOFF begin to report my information to third party consumer reporting agencies as late payment. 
I tried to contact KIKOFF to dispute this and put the company on notice to stop reporting my information to a third party. I was unable to reach anyone at KIKOFF. KIKOFF continues to report unauthorized information to consumer reporting agencies.

I did not receive any tangible service.
Consumer complaint received 2024-07-05
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: Self Financial Inc. (LA)

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Consumer complaint received 2024-07-22
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Westlake Services, LLC (FL)

I got my car repossessed XX/XX/XXXX I keep getting harassed with every agent I been talking to about it its either they are being rude or say something slick to me I just had one agent call me XX/XX/XXXX about the car I answered and I told her Im in transition of getting a new job and I will be paying them she decided to get smart with me saying its nothing they can do which I know with a attitude and I had to hang up on her because Im not going to argue and they are harassing me in every which way ever since the car has been gone and Im honestly tired of it because I feel like they are being very unprofessional and trying to come off in a rude way to get the money I owe. I have been going through a lot moving around and getting into a better job and all I keep getting is harassed they always have a rude tone when I talk to them or they try to threaten me to scare me and its not right at all I never had this issue with them but now its starting to be a problem I even told the operator I will be giving them something when I do get paid and she said with an attitude well you are still going to receive calls which I know that then she told me its nothing they can do because i voluntarily gave them the vehicle but I asked what more did they want since I will be calling back to make a payment
Consumer complaint received 2024-07-03
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: Kikoff Inc. (CA)

I disputed unverified and unauthorized accounts and asked the creditor to provide proof for these accounts that arent supposed to be on my report. And Ive been ignored for months The creditor continue to report unauthorized and unverified accounts to my credit which is damaging my credit and keeping me from providing a living for myself due to being denied for everything from these accounts negatively impacting my credit score, Im not able to find a place to live and I m not able to get a bank account or credit cards because of this. Please assist me in any way you can.

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have never given authorization for the furnishing of my information to your credit bureau. Please have them remove this asap!
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (FL)

on XX/XX/year> my account with Kickoff lending was paid in full and now has a XXXX balance. There are payments on my credit report 90 days late that have been disputed. The company is refusing to remove the late payments.
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I, first name & last name, consumer, and natural person, am aware of all rights that i have, and which are protected by the Congress under the fair credit reporting act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confuse under USC 1681 1 inquiry name : XXXX  XXXX Inquiry date : XX/XX/23 XXXX inquiry name : XXXX XXXX XXXX XXXX Inquiry date : XX/XX/23 XXXX inquiry name : XXXX XXXX XXXX Inquiry date : XX/XX/23 XXXX inquiry name : XXXX Inquiry date : XX/XX/23 - [ ] 15 U.S.C 1691 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 an account without my written instructions.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-07-01
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (PA)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-11-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (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.

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 2024-07-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TRUIST FINANCIAL CORPORATION (MD)

We updated our payment amount and frequency to bi-weekly in XXXX of XXXX. We increased our payment amount so that we could pay off our mortgage more quickly. 

Truist made XXXX withdrawls of the requested amount toward our mortgage payment between XXXX and XXXX. 

In XXXX, Truist adjusted the amount of our bi-weekly payment to lower than the amount we specified without notifying us, effectively charging us more interest between XXXX and XX/XX/XXXX. 

We called a representative in XX/XX/XXXX to inquire about this change and the amount being withdrawn. She confirmed that our account DID reflect a pending charge in the amount that we specified, not the lower amount. However, when it was actually withdrawn from our account, they took the lower amount. 

In XX/XX/XXXX, we called again to make an adjustment. We were told that we would need to fill out an additional form, which we promptly did and returned to the representative. We never received confirmation or any reply whatsoever. The next payment was processed again for a lower amount than we requested. 

In XX/XX/XXXX, we received a copy of the same paperwork ( blank ) in the mail. While other systems for the bank are online, this paperwork requires us to fill out and mail it back to the bank, along with a cancelled check. In the meantime, our XXXX payment was processed again, for the lower amount. 

Truist Bank is making it incredibly burdensome and difficult for us to pay off our mortgage more quickly - their online systems and customer service seems designed to prevent us from entering into a biweekly payment plan.
Consumer complaint received 2024-07-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (VA)

I was suddenly unable to make payments with my bank. I called later that day and was not able to get anyone on the phone on XX/XX/XXXX. I called again the next day on XX/XX/XXXX and was told my phone number could not be verified and that my name had to be added to my phone plan so they could verify me. I also needed to wait 5-7 business days for a letter to come in the mail that would tell me what to do next for verification. She told me there was nothing she could do. I called again and got someone else who told me she also couldn't verify my number and the notes from the previous person I talked to told me to wait for the letter in the mail. 

That phone number is the only phone I have had for a lot of years. That number is on my Citi bank account and that's the number I called from both times. They also both asked for my name in the beginning and the first person I talked to verified my address too. I'm not sure why they can't seem to identify me, but this is a new account. I have had it for 3 weeks and it was going to be my new bank so they don't have any old information that they could be seeing so I'm not sure what the problem is. They are sitting on {$870.00} right now and I have no way to get it.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to dispute the inclusion of this bankruptcy on my credit report.. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2024-06-25
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: NERD SOLUTIONS INC (CA)

I was contacted XX/XX/XXXX by this third-party program called new education relief that asked for fees in return to do a total loan forgiveness on my student loans. They sounded very legit. They stated that all I had to do was make four easy payments of {$160.00} and then after that for two years, I would be paying {$19.00} a month and then after the two years, my full student loan would be forgiven. I have been making payments to this program since XX/XX/XXXX. 

Now, XX/XX/XXXX, I then recently started to receive letters from ED Financial services from the department of education stating that Im going to have to resume making payments to my student loan again starting XX/XX/XXXX. So I called ED Financial services from the department of education and they told me that this third-party program ( New Education Relief ), that Im working with for the total loan forgiveness is a scam. I tried calling New Education Relief and I dont get an answer. I cant get a hold of anyone.
Consumer complaint received 2024-06-13
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. (TX)

I sent letters to the credit bureau on XX/XX/year> requesting an investigation into the reporting of erroneous information on my behalf. I have not heard back from them and I have not received the results of their investigation as of today XX/XX/year>. I checked my credit report today and nothing has changed on my credit report. I know they have 30 days to investigate and they have not done that. I am asking that they delete the information from my credit report immediately.
Consumer complaint received 2024-06-27
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (MO)

I requested a modification back on XX/XX/XXXX of 2024. I still havent received the modification letters. They keep telling me that everything is complete. They dont need anything that worked on the modification then they come back and say well we still need this to finish up the application and is information that I have already sent them that they already have, or is information that they have and they didnt even take time to look at it and previously asked for that weeks ago had you asked for this whole process is horrible. They just been going back-and-forth back-and-forth with me since XXXX XXXX nothing has been resolved resolved.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-30
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Quick Debt Services LLC (TX)

Someone called me yesterday about a file in the courts for me and they stated that I will be arrested for this debt and they would like to serve me papers because a lawsuit is being filed against me. I tried to ask what is this about and they do not know and they do not have any information for me and stated I need to call a number XXXX, when I called the number again. Someone answered and I said you are calling for the wrong person, the person said he is looking for XXXX XXXX not XXXX XXXX. This place continued to call all my friends all my family and leaving derogatory messages about a lawsuit against me. The other number I called is XXXX. This is embarrassing because my friends and family wants to know what bad business Im doing. I also told them to delete my number and quit calling other people and leaving these legal messages as well.
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Despite our previous attempts, I regret to inform you that these items still persist on my record. The presence of fraudulent items undermines my financial credibility and poses significant challenges for my financial well-being and future credit opportunities. 

I kindly request that you prioritize the investigation and removal of these fraudulent items with the utmost urgency. It is imperative to take all necessary steps to rectify these discrepancies in accordance with the Fair Credit Reporting Act ( FCRA ) and other for when I can expect to see these fraudulent items removed from my credit report. 

I understand that addressing such issues may require time and effort, but I urge you to handle this matter with the diligence and attention it deserves. Your assistance in rectifying these discrepancies is crucial to ensuring the accuracy and integrity of my credit information. Please help me remove these items 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 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 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 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 XXXX  XX/XX/year>.
Consumer complaint received 2024-05-24
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: EQUIFAX, INC. (NC)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX  XXXXhelpmeoutby finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :