davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-21
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: HW Holding, Inc (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-06-21
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: BHFC Financial Services INC (CA)

I have been a victim of identity theft for the past 4 years. There have been Fraudulent Items being reported to my Credit Report.The following account BHFC FINCL SRVS ( Account Number : XXXX ). Date Opened : XX/XX/year>. XXXX {$2900.00}. I have never had an account with this company. Cease the reporting of the fraudulent item being reporting immediately. I am not liable for this debt with BHFC FINCL SRVS. I have attached a copy of my ID and FTC report. ( Please see attachments ).
Consumer complaint received 2024-06-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Johnson Mark LLC (UT)

Johnson Mark employs the dumbest attorneys first of all. Nobody at this residence has waived their right to privacy. Please provide a signature or phone call proving that this right was waived. 

This company sent a process server to my house and left a summons under the doormat without verifying any information. If you didn't verify, you NEVER should have left the summons. 

The previous owner of this home is a XXXX predator. I have a video doorbell as a result of this. The process server broke my video doorbell which I have had to replace. 

I did ask the process server to leave my property multiple times to which they kept talking over me. I finally told the process server that they needed to leave the property immediately because I don't have any outstanding business or else I was going to get my XXXX to defend myself because I do not know this person and people can buy a clipboard, print out forms and say whatever they want. 

At no time were they able to provide any documentation showing that anyone waived their right to privacy. I have asked multiple times for proof of waiver and they've either refused or just sent copies of statements. 

All that shows is someone opened the account. It doesn't prove that I opened the account. Without a photo ID or signature proving a human opened the account, how would they prove it in court?
Consumer complaint received 2024-06-20
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: Army and Air Force Exchange Service (TX)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 US Code 1666B 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 ( FCBA ) 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 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I want to do delete all names and addresses from Equifax, XXXX and XXXX  off my credit report they are misspelled and wrong. I would like them to be removed immediately thanks. The only personal information is correct is XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-01
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (WA)

XX/XX/2023 added {$100.00} in XXXX WA XX/XX/2023 {$3.00} XXXX transaction in XXXX XXXX, XXXX, CA XX/XX/2023 {$100.00} transaction to www.cookiesagency.com, XXXX XXXX XXXX, NY Money was spent before the card was opened. 
Called helpline ( XXXX ) only to be transfered 4 times and hung up on. Noone I talked to was the " right department ''. 
Company is XXXX
Consumer complaint received 2024-06-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company (AZ)

I currently have a home loan with Freedom Mortgage. I am writing this letter to explain why my XX/XX/2024 mortgage payment was late for 30 days. On XX/XX/XXXX I sat down and scheduled my payment for XXXX. When I went to schedule the payment I noticed under the payment amount : Monthly payment, additional principal and additional escrow with a total on the bottom including the words authorized payment date. Everytime I pay my bills I print out a receipt for my records. After I had printed out my authorized payment I went on with life as usual. 
When I sat down in XXXX to make my payment ; I logged into my account and noticed that I had missed a payment. I immediately picked up my phone and called Freedom mortgage. I spoke with a representative on XX/XX/XXXX and explained that I had made this payment. When I looked at the paper receipt I had printed out I discovered that I scheduled the payment and did not hit the submit button. I told the representative that I had made a clerical error and that I was unaware that this payment had been passed due. I was very concerned that my credit was going to be affected by this and she assured me that Freedom mortgage wouldn't report this on my credit because of the loan being transitioned from XXXX XXXX to Freedom Mortgage. I paid the payment for XXXX right away ( XX/XX/XXXX ) and paid the XXXX payment the very next day ( XX/XX/XXXX ). When my XXXX payment was due I scheduled and proceeded to follow through with hitting submit. I decided to check my credit and noticed that my score went down by XXXX points with a 30 day late notice on my credit report. I called Freedom mortgage and they said there was nothing they could do to change this. 
I did some research and it has led me to believe writing this letter to you explaining what happened would be my only option. I have attached the print out of the scheduled payment that was missed because the window size on my computer was not maximized for me to see the submit button when I went to pay my bill on the XXXX of XXXX. I have worked very, very, very hard to have great credit. I am and have been aware that if I am unable to pay any of my bills the first thing to do is call and speak with lenders on what my options would be. I am able to make payments for our home and other bills. We are not in a financial crisis at the moment. This really hurt my credit and I would like to speak with someone regarding this or some kind of communication regarding this letter. If we need to go on automatic payments in order to reverse the hit on my credit that works for us. Please understand that this was a clerical mistake on my behalf and I had no idea my payment was 30 days late until XXXX..
Consumer complaint received 2024-08-14
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. (NV)

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$XXXX} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.
Consumer complaint received 2024-06-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

Hi Everyone, I am concerned that no one is helping me and CITI BANK and that others are also dealing with this issue with CITI BANK. I can't even verify at the branch I opened my account with. 

I opened my account in person, was able to verify all of my information, at the CITI BANK - XXXX XXXX XXXX on the XXXX of XX/XX/2024 deposited a check from the United States Treasury Department a Check from the Government. I waited 3 days for the check to deposit. Then I had access for one day after that my account was blocked. I can't see my money, touch my money, or even get answers about my money. My CITI BANK account has been blocked since XX/XX/2024. 

I call CITI BANK and they transfer me to the CITI BANK " FRAUD '' Department. I verify all of my information over the phone as well and they say I would receive a reference number 7 to 10 days. I was told this on XX/XX/2024. I have not received a reference number. I have called multiple times and no one seems to have an answer for me. The call ends in " SORRY TO HEAR THAT BUT YOU HAVE TO WAIT FOR A REFERENCE NUMBER ''. We have exhausted all possible solutions. 

Now I have no Idea who to speak to at CITI BANK or who to go to at CITI BANK. My money is blocked no access. I do not understand how I was able to receive my debt card form CITI BANK and other letter confirming my account from CITI BANK and congratulating me on opening my account from CITI BANK all of these letter were received no later than a week from opening my account but no reference number has been received from CITI BANK. It is now XX/XX/2024. 

A fair solution would be for me go to the bank to verify in person and for CIT BANK to allow me access to my account. I will bring my social security card, My address Verification, my ID, My Birth Certificate, My Passport and any reference Citi bank needs in person to verify. 

The CITI REPS ARE NICE but THE SYSTEM AT CITI BANK does not make sense. 

Anyone would be concerned at this point.
Consumer complaint received 2024-06-20
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: OneMain Finance Corporation (CA)

I have contacted the creditors & they have no proof I initiated the following inquiries, no written authorization & have failed to proved permissible purpose. They do not have my authorization, written nor verbal. Therefore, I am asking you to DELETE these inquiries as there is no evidence of my authorization, nor permissible purpose. According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 USC Section 1681b ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following reasons and no other ( F ) otherwise has a legitimate business need for the info in connection with a business transaction initiated by the consumer 1 ) OneMain Financial, XXXX ) XXXX XXXX XXXX XXXX, & XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Thank you, XXXX.
Consumer complaint received 2024-06-20
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CLGF Holdco 1, LLC (CA)

I have been getting calls from someone claiming to be from XXXX XXXX XXXX in regards to an Indigo Card. 

I've explained to the caller I dont have an Indigo Card, have never applied for one ... and I have had a credit lock on my account for a few years now. 

I also have my number in the " XXXX '' list and they are bypassing this. 

These calls are being originated in various phone numbers with slight variation on the last 4 digits. 

Thus far, I gotten a call from : XXXX, XXXX, XXXX This is definitively fraudulent activity.
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Collection Professionals, Inc. (MT)

On XXXX, I recieved a summons for a lawsuit in regards to a debt that I had asked Collection Professionals Incorporated to verify initially, I had not recieved that initial information. 
The money that is believed to be owed was initially from XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

Other information to note : Under federal law, under the general provisions of Gram Beach lilley act, banks are not authorized to disclose information to non affiliated companies, or must disclose what information is shared with companies. XXXX XXXXXXXX XXXX states on their website that they do not share with non affiliates. Therefore it is reasonably presumed that this company had obtained personally identifiable information protected under GBLA and financial privacy act of 1999, and the debt collector should not have been authorized to recieve that information because it is protected under federal law and the provisions set forth under federal law. Under FDCPA, Collection professionals Inc must warn before attempting to sue, this can be found under 15 USC 1692 para 3. There was a current cease and desist that was not written in disclosure, but stated verbally. That does not invalidate the need to establish the invoking of legal remedies set forth in federal law under FDCPA.
Consumer complaint received 2024-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (AR)

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 2024-06-20
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: V and H Portfolio (NJ)

see the attached reopening of the original complaint dated XX/XX/2024 vance and huffman has grossly failed to remedy this matter, as a result i am reopening a secondary addendum complaint respective OF the original XXXX XXXXXXXX  cfpb complaint OF XX/XX/2024 XXXX
Consumer complaint received 2024-06-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC (MA)

Ive made a complaint against them before. We agreed to a payoff which I kept and paid off, only to discover they have been continuing to take automatic payments from my bank account which I would never have known if they didnt send me an automatic payment reminder. I want it to stop immediately, will call my bank as well, but I also want those payments refunded to me from XX/XX/year> {$170.00} every 2 weeks, plus pain and stress caused by doing corrupt bad business!
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

I keep asking for my wet signature and all proof that goes with it. Also I have had my credit frozen off and on for the last four years because someone has been trying to use my name. Some how the freeze keeps getting turned off. 
Someone made an account in my name for trans union, so XXXX cant even get into that one to see what is on there. 
XXXX had all kinds of names on there that werent even my names. Also addresses that I hadnt even seen before.

Not any of the sites are the same. They look horrible!! I have tried to dispute but nothing gets done.

This cant be legal, to be putting false information out there. I dont believe they are able to share wrong information. Which all of them are doing. I have reported repeatedly that my identity had been stolen, and My name has been in the XXXX XXXX XXXX Data breach, XXXX  data breach, XXXX  XXXX XXXX data breach. My account is high risk and has been that way for quite some time. They were informed of all of it. Dispute after dispute and nothing was done
Consumer complaint received 2024-06-20
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I have multiple hard inquiries on my credit report. I did not authorize any of the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Steel River Systems, LLC (FL)

On XX/XX/2024, I became aware of a balance of {$170.00} in an old checking account number XXXX that was in collections with STEEL RIVER SYSTEMS. This balance needed to be paid, along with a satisfaction letter, in order to close out my mortgage loan. I promptly paid the balance on the same day, XXXX XXXX, 2024. However, when I requested a receipt or the satisfaction letter, I was informed that I would have to wait XXXX weeks from the payment date to receive the satisfaction letter via email. 

On XX/XX/2024, I contacted the same representative I had spoken with XXXX weeks prior to request the satisfaction letter. Unfortunately, I was belittled and told that it was not possible to email the letter. I was not informed that payments could be made over the phone or online until XX/XX/2024. The initial payment on XX/XX/2024 was made over the phone. 

Upon accessing the STEEL RIVER SYSTEM portal, where consumers are supposed to view upcoming, past, and current payments, I discovered that the debt of {$170.00} was still shown as owed. In order to obtain a receipt or the satisfaction letter by email before XX/XX/2024 to proceed with moving into my new home, I may need to make another payment online. I have attempted to resolve this issue multiple times, which has resulted in spending half a day trying to speak with a supervisor.
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (IN)

I am writing this complaint today because on XX/XX/XXXX, I sent Self Financial Inc./LEAD Bank a letter formally revoking any, past or present, implied written, verbal, non-written, non-verbal, or assumed right to freely report transactions and experiences on this account to my consumer report. Per the protection of my privacy via The Privacy Act of XXXXThere has been no response and a continuation of reported information for the month of XX/XX/XXXX. 

Event Summary : I received a copy of my official consumer report in the month of XXXX & XXXX. After reviewing all information on the consumer report, this account showed multiple inaccuracies. I then reached out directly to the company to get some clarification on the status of my account and the information given from the furnished was not correctly conveyed across all CRAs reports. The Credit Reporting Agencies are showing inconsistencies with each other and as well as showing Account Status inconsistencies with the furnisher, Self Financial Inc./ LEAD Bank , clearly violating my rights protected under the FCRA XXXX Which, as we know is to ensure the maximum possible accuracy of my consumer report and is the ASSUMED responsibility of the CRAs. Given the sheer number of inaccuracies reported and the impact that continuing to entrust this responsibility of reporting this account, XXXX have a negative impact on my ability to obtain credit in the future. As it is ultimately MY responsibility to ensure that my NPPI, consumer report, and reputation is properly protected and maintained. I wrote a letter on XX/XX/XXXX addressed to SELF INC., giving notice of my right to opt out and instruction on reporting certain nonpublic personal information on my consumer report covered under the privacy act of XXXX. 

My intention is to maintain a working relationship with SELF INC., and All CRAs. However this CAN NOT continue to be tolerated. Under no circumstances should there be this many violations on a public record. All exhibits and evidence are outlined in the attachments of this compliant. 

Thank you very much for prompt attention to this matter.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.
Consumer complaint received 2024-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (MD)

I called the company several times and explained my situation, and I also spoke to the supervisor, but they didn't want to listen to me or understand me. They just told me to pay the money. It was annoying, so they told me to read the original Creditor document and I would send it to them. When I told them, they told me to only listen to what they said. I kept interrupting my story.