davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-11
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: National Credit Systems,Inc. (GA)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2024-05-01
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX, Equifax, XXXX, and XXXX XXXX XXXX XXXX is reporting me being 30 days late on my personal loan with XXXX XXXX XXXX XXXX in XX/XX/2023. However I evidence to prove that this information is inaccurate. Despite making timely payments, their erroneous reporting has resulted in unjustified damage to my credit report and score. I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify the inaccuracies on my credit report. Additionally, I urge the Bureau to hold all parties accountable for their failure to adhere to the fair credit reporting practices. Please inform me of the steps you will take to address these complaints and the expected timeline for resolution. Thank you for your prompt attention to this matter.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NJ)

I've had collections from XXXX XXXX  and XXXX XXXX XXXX that been deleted from my credit report and reinserted without notifying me at all and that is a violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PR)

XX/XX/XXXX I want this account removed from all three credit reports for each of the following reasons. 
Reference account XXXX XXXX XXXX, account number XXXX Delete for inaccuracy because the payment history reflects the continuation of Voluntary Surrender Reports after the vehicle was repossessed in XX/XX/XXXX. 
Delete this account for violation because notice of dispute was not entered as required within 30 days from the date my first dispute was received, pursuant to section XXXX of the FCRA Delete due to inaccuracy and lack of information, such as closing date and last activity date. 
Additionally, the date updated of XX/XX/XXXX shows us that this account has never been investigated despite my claims I, XXXX XXXX, have included copies of my recent investigation report as well as copies of the credit report where the advertised account is located and the lack of interest or negligence on the part of XXXX XXXX XXXX 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 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SERVICEMAC, LLC (GA)

My mortgage loan was serviced by service Mac and they sold the loan. I received a letter from XXXX XXXX on XX/XX/XXXX stating that they are my new mortgage servicer as of XXXX XXXX, and that I no longer make my payments to them as of XXXX XXXX. I paid my XXXX payment to XXXX XXXX as the letter stated. Service Mac is reporting my account as delinquent when they are no longer my servicer. I believe the company is doing fraud they are harassing me stating I owe them for XX/XX/XXXX and now the month of XX/XX/XXXX when my loan is no longer with that company. They will not respond to me and only states that my loan hasnt been transferred when it has and I have been paying the new company. I am very frustrated because they are harassing me for payment and reporting late payments on my credit when my loan was transferred.
Consumer complaint received 2024-02-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC (CO)

I received a letter dated XXXX XXXX from a company called Credit Service Company , Inc. claiming to be a debt collector for an outstanding balance of {$31.00} with XXXX XXXX XXXX XXXX. I thought this was strange because I had not received a statement from the XXXX XXXX XXXX XXXXXXXX directly. I called the billing department for the hospital and they said they have no record of an outstanding balance or of sending anything to collections. Furthermore, they use a different company entirely for their collections. I suspect this company may be attempting to scam us, by having us put personal financial information on their website www.cscwebview.com to supposedly pay the debt. At this time, I have visited the website, but have not included any personal financial information on it.
Consumer complaint received 2023-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC (TX)

Credit card opened unauthorized using my identity and sent to collections due to non-payments. Credit card was opened XX/XX/XXXX, for the amount of {$200.00}. {$630.00} was sent to collections due to over due payment on XX/XX/XXXX. Unauthorized used was confront and refuses to pay up to date. 

A case was opened with a detective from the city police department on XX/XX/XXXX for identity theft. Case number XXXX. Please feel free to contact me to my email address or the city police department for more information.
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IN)

In response to my 1099c copy b form iv received. The claim made of my copy B document from XXXX stating the document enclosed with your complaint determined the IRS Form 1099-C provided is fraudulent and was not sent to you by XXXX To this my question is, in writing what exact evidence is XXXX XXXX of XXXX providing to make such a claim? of the legitimacy of my Copy B form. To then follow through with your false assumption of the1099C copy B form as that of a Fictitious Financial Instrument '' yet with no stated evidence on this claim? As it seems to be of either ignorance or lack of capability to uphold your duties appropriately. 

Three copies originate from the 1099C Form for forgiveness or cancellation of a debt. Copy A, B and C. Copy A as that of what the lender or XXXX in this case has filed with the IRS. Copy C then being retained and kept for the creditor, while sending copy B to the debtor in this case myself to be kept for my own records as well as filed and included as income taxes on form 1040. 

As provided and attached to this complaint the following information matches XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address ( as specified exactly from the address XXXX XXXX you provided in your own letter in the top left hand corner? ) Attention to XXXX XXXX XXXX, current CEO of XXXX. XXXX EIN number provided as shown in the creditor box, As well as my own social in the debtors box. All necessary requirements as for any other Copy B form one would receive from a creditor. It'd be a wise decision to even call the IRS yourself when this 1099C Form was submitted for acceptance to further prove its validity. I ask again, what exactly have you come to deduce that makes this document fraudulent? If no evidence is provided then I respectfully ask to make the following reflection for the 1099C Copy B student loan XXXX account XXXX. With the 1099-C IRS form Copy B total amount forgiven and discharged of {$13000.00}. If this escalates into further conflict and your avoidance ultimately leading to alleged tax law violations. I'll have no other choice but to inform the IRS upon these violations you are commiting via filing a 3949A, or Information Referral immediately for these alleged income tax violations committed by you and XXXX.
Consumer complaint received 2024-04-27
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)

XXXX XXXX XXXX and XXXX XXXX XXXX were my XXXX XXXX XXXX technician contractors. They opened and used numerous accounts without my authorization. I notified the creditors. I was told to provide information that i don '' t have and I was also told because it is over 60 days that I am responsible. I provided with copies of the police reports. Instead, they kept selling them to different buyers. I need your help. i requested them for the original contract with my signature, the complete information of the original creditor, the payments history and itemizes bills, and proof of ownership. Proof that it was permanently deleted out of all credit bureaus
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

I have been with Wells Fargo since 2017. I have never had any issues with them and they have always been great. I have had overdraft protection on my account since I opened it, and found out today it was XXXX. Of course I contacted them and was asked did I request to have this service removed, I told them know, but no one was able to assist with getting it added back to the account. I was transfered to a manager who said he does in fact see it was removed but he was unable to add it back but he would make an official complaint for me. In the middle of him doing so the call was dropped, im assuming he didnt hang up on person but never received a call back. I just want this service added back to my account asap as I didnt authorize for it to be removed.
Consumer complaint received 2024-05-01
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. (CA)

On XX/XX/XXXX XXXXXXXX XXXX violated my rights to privacy as a federally protected consumer. As a result of XXXXXXXX XXXX not following the rules set-forth under the privacy act and title 15 usc 6802 which allows consumers the opportunity to opt out of sharing non public personal information with 3rd Party non affiliates such as TransUnion, which XXXX XXXX was provided with my personal information from my consumer report without my written consent as mentioned in section 15 usc 6801-6802. I am hereby demanding that the adverse action taken against me by XXXX XXXX be reversed due to they fact I was not given proper notice in accordance with federal laws for my personal information being shared with consequently had my account closed. TransUnion is also in violation by not following the rules of furnish accurate information and having me the consumer prior consent before furnish such information. I also am aware that I am able to seek civil liability damages due to these violations in accordance with federal laws under tile 15. Please provided proof that my prior consent was given before making a decision to close my account. I am also aware that XXXX XXXX is holding on to a security that was given to them which was value and consideration. I would also like the return of my original application with the wet ink signature ASAP or I will be filing a claim for securities fraud against XXXXXXXX XXXX in accordance with the security exchange act of 1934.
Consumer complaint received 2024-02-08
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

No instead of giving me information they just lied and told me that it's my fault they keep blocking my account. When it's not my fault. I have went in and verified 4 times already they have canceled yet another card and I have to go and verify again. This is the most ridiculous situation I have ever dealt with. They have a very flawed fraud protection system. The employees have done a terrible job all the way through I have verified 4 times. This needs to stop
Consumer complaint received 2018-09-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP (MD)

I bought a car at Honda and financed a loan with Honda Financial Services. Honda Financial services failed to informed me the interest on the loan will be variable. Honda Financial services has not send me a paper statement, and after 2 years I come to find out that my car loan has a variable interest. Please help me resolve this matter.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am trying to pull my transunion report online and am simply getting " We're unable to complete your request online. '' and the only option is to call them and on calling them they can only snail mail me a report at 7 bubsiness days. 

I have called and the number listed on " call here since since can't do it online '' can't tell me how to resolve it online and can only mail be a report and can't tell me how I can get an online report in the future. They have me an online department number. Called them and they can only say " change browers '' which I did and tried to go both through annualcreditreport.com and transunion.com and both told me the same - no ability to get online report. 

Online department ended with " a supervisor will call you within 72 hours '' and at this point have zero expectations of getting a call and was just a way to get me off the phone. 

I can pull my online experian, and XXXX no problem but transunion is a no go and are not willing to help.
Consumer complaint received 2024-07-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (MN)

We financed our hoe through XXXX- who then sold our mortgage to Nationstar which is now Mr Cooper, when I call the number XXXX I get an automated message that it looks like I have called the wrong number and that my Mortage is services by Mr Cooper ( which is weird becasue I am calling Mr Cooper ), the automated attendant gave the number XXXX as the number to call. When I called that number I was awarded a surprise gift if I was over XXXX I needed to press 1 nd under XXXX press 2, I pressed XXXX and was directed to another automated system tryng to sell me a health monitoring device. I hung up tried to call again and it was the same thing. I called Mr. Cooper 's number ending on XXXX again and was automatically provided with the same information. There is no app that we can download because apparently Mr Cooper and " Mr Cooper '' are 2 different loan services ( so weird! ). They make it impossible to find the phone number on the website, but when I finally did this is what happens? The fact that I can not have an app or contact them with ease is a huge issue we have delt with since XXXX sold our mortage to them
Consumer complaint received 2024-02-07
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SCA Collections, Inc. (NC)

Executive Summary : XXXX XXXX XXXX XXXX ( XXXX ) never submitted the insurance claim as per their responsibility to XXXX XXXX XXXX XXXX XXXX Furthermore, XXXX failed to provide the proper XXXX and procedure codes as required by law to the patientXXXX XXXX billing is incomplete, potentially fraudulent, and non-compliant with XXXX XXXX XXXX responsibilities. 
Background : The dispute with SCA Collections as an agent of XXXX XXXX XXXX ( XXXX ), as an agent of the XXXX, concerns account XXXX. There is a balance due to XXXX via XXXX of {$950.00} for issue exams performed on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX. 
On or about XX/XX/XXXX, the patient was admitted for a XXXX  under the care of XXXX XXXX XXXX. During the procedure lab evaluations were performed. On XX/XX/XXXX, XXXX as the billing agent for XXXX provided a statement of {$950.00} Balance Due without explanation. On XX/XX/XXXX the patient contacted XXXX and was told that they needed to update his insurance information. The patient complied. 
On XX/XX/XXXX a new statement arrived without change. The patient contacted XXXX on or about XX/XX/XXXX to determine if there were issues that still needed to be resolved. He was told that XXXX needed to update is insurance information again. At that time both the XXXX representative and the patient confirmed the correct information. 
On XX/XX/XXXX, the patient received a collection agency referral to SCA Collections and immediately contacted SCA to explain the issue. The patient was advised to contact XXXX to resolve the issue. During this time, the patient offered to submit the insurance claim himself due to the incompetence of the service provider. 
On XX/XX/XXXX, the patient was sent an updated bill. The patient submitted the claim with the new medical codes. XXXX, returned the claim to the patient by XX/XX/XXXX with a note that the codes were incomplete as per the medical records requirements from XX/XX/XXXX mandating XXXX compliance. 
On XX/XX/XXXX, the patient supplied written notification to XXXX Collections of the dispute. On XX/XX/XXXX, XXXX XXXX provided the paent with the exact same updated bill with incomplete billing and coding informaon and insisted on payment. 
On XX/XX/XXXX, the patient immediately contacted XXXX to specify that the bill was incomplete and noncompliance due to the missing XXXX medical codes. This was followed up in writing to XXXX. On XX/XX/XXXX, XXXX sent another letter attempting to collect for the provide APG and their agent XXXX. The patient sent another written correspondence agreeing to make payment when the bill was corrected. 
On or about XX/XX/XXXX, XXXX added a derogatory statement to the patients credit report. The patient agrees to pay when an accurate bill is delivered and if it is within the window for insurance reimbursement due to the incompetence of the Provider, the Billing XXXX, and XXXX Collections.
Consumer complaint received 2024-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IA)

I have called and messaged Nelnet Student Loans multiple times regarding the possibility of my loans being eligible, in part, due to their status of 20-25 years active. I have been trying to contact them for a least a year and have received no response to email messages and have sat on hold for up to 4 hours waiting to speak to someone.

I want this discussion to be had because I do not want to miss my opportunity to have a portion of my loans forgiven per the federal mandates that have been enacted.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federal Protected Consumer Rights to privacy and Confidentiality under 15 USC 1681 Account name : XXXX XXXXXXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Amount : {$6400.00} XXXX XXXX Account # XXXX Date Opened : XXXX XXXX Amount : {$1000.00} XXXX XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$3700.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX Amount : {$23000.00} XXXX XXXX XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Amount : {$19000.00} has violated my rights. 15 U.S. c 1681 section 602 A States I have the right to privacy. 15 U.S.G 1681 section 604 A Section 2 : it also states a Consumer reporting agency can not furnish an account without my written instructions. 15 vis. 1681 c ( aX5 ) section States no consumer reporting agency may take any consumer report containing any of the following items of information any other than records of convictions of Crimes which antedates the report by more than seven years. 15 US. C 16815 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. privacy and Confidentiality under 15 USC 1681
Consumer complaint received 2024-01-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (FL)

THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT INACCURATE.FRAUD. I DID NOT GIVE MY PERMISSION TO REPORT THIS ACCOUNT AND NELNET IS IN VIOLATION OF THE FAMILY AND EDUCATION PRIVACY ACT of 1974, Fair Credit Reporting Act, as I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT
Consumer complaint received 2024-05-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.