davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-27
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: Bread Financial Holdings, Inc. (MS)

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!!!

Under, 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 CONSEN to report anything on my consumer report which violates my rights as a federal prot consumer. NO CONSENT IS IDENTITY THEFT. As a consumer ham demanding the de accounts listed IMMEDIATELY!
Consumer complaint received 2023-03-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Dear XXXX, TransUnion and XXXX. 

XXXX account # XXXX According to the FCRA 15USC 1681B Permissible purpose- The XXXX ChargeOff account is inaccurate and is in violation of my rights and defamation of my character. 

On XXXX XXXX I mailed out letter for verification of the negative XXXX XXXX that is being placed on my credit report. ( see attachment letter ) I mailed it certified ( see attached receipt ) using the address on my credit report. XXXX NEVER responded to my letter within or pass the 30 day mark. They also never updated my account with them after receiving the my written letter. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and creditors that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed. 

This account was not validated and because of that I DEMAND that this inaccurate account be removed off my credit file ASAP!
Consumer complaint received 2024-03-21
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company (VA)

We received an unpayable adjustment to mortgage to begin XX/XX/XXXX. Upon investigation on XX/XX/XXXX, we learned the homeowner 's insurance was increased from $ XXXX to {$2300.00} without notification from the insurer and paid. ( We immediately located better pricing with a different company. ) We then examined the annual escrow analysis fully, finding that : the forecasted payments for the prior period were excessively low because NO HOMEOWNERS POLICY PAYMENT was included in the analysis on XX/XX/XXXX. The policy was paid from our insufficiently funded account so the underage was assured. Continuing inspection revealed that our account was never credited the XX/XX/XXXX escrow payment. This detailed month-by-month analysis is shown under 'Actual Payments '. This MISSING ESCROW PAYMENT has deepened the negative value of the 'beginning balance ' relied upon to calculated the next set of mortgage payment amounts. 
We spoke to staff requesting new escrow analysis on XX/XX/XXXX, XXXX, and XXXX. We submitted the request in writing on the Freedom Mortgage website on XX/XX/XXXX. We got a response XX/XX/XXXX, and responded to their comments on XX/XX/XXXX. NO CHANGE IN XX/XX/XXXX PAYMENT and ESCROW PAYMENT NOT ADDRESSED.
Consumer complaint received 2024-01-10
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: World Acceptance Corporation (SC)

I was in the process of trying to buy a home for me and my daughter due to her father being incarcerated for a long time and us needing a fresh start, when I realized I had damages on my report. THIS is a Violation of the FCRA and is also in Violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting act, I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, or verifiable is required to be removed.
Consumer complaint received 2023-10-09
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. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act. All accounts listed above. Has violated my rights. 
15 U.S.C 1681 section 602 A. States i have the rights 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 2024-04-09
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. (WI)

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 2023-06-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXXBalance : {$20000.00} XXXX XXXX Balance : {$6200.00} XXXX XXXXXXXX Balance : {$13000.00} XXXX  XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXX/XX/2023
Consumer complaint received 2023-12-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX, XXXX XXXX and Equifax are reporting incorrect information on my credit report from XXXX XXXX XXXX. 
I was not under a contract for the period in which XXXX is claiming.
Consumer complaint received 2024-03-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (GA)

Consumer Dispute Letter to CFPB Regarding Collection Activity XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX Iowa XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation by National Credit Systems , Inc Dear CFPB, This letter is to formally file a complaint against National Credit Systems , Inc for violating the Fair Debt Collection Practices Act ( FDCPA ). 

Account DetailsXXXX Nature of Complaint : I am writing to report that National Credit Systems , Inc has engaged in unfair and deceptive debt collection practices in violation of the FDCPA. Specifically, they have : Failed to Provide Validation Information : I have not received any written communication from National Credit Systems , Inc validating the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ).

Denied Opportunity to Dispute : I have not been given a chance to dispute the debt as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Furnished False Information : National Credit Systems , Inc placed a collection account on my credit report without providing the necessary disclosures mandated by law ( 12 CFR 1006.34 ( d ) & 15 USC 1681s-2 ( 7 ) ( A ) ).

These actions by National Credit Systems , Inc constitute a violation of my consumer rights and utilize false, misleading, misrepresentative, and deceptive means. 


I request that the CFPB investigate this matter and take appropriate action against National Credit System , Inc. This may include : * Ordering National Credit Systems , Inc to cease and desist from further collection activity until the debt is validated. 
* Instructing them to remove the negative information from my credit report if it was placed incorrectly. 
* Requiring them to provide accurate validation information if the debt is legitimate. 

I have attached copies of any relevant documentation I possess, such as communications from the collection agency ( if any ). I am also willing to provide any additional information that may be helpful in your investigation. 

Thank you for your time and attention to this matter. I look forward to your response and a resolution to this issue. 

Sincerely, XXXX XXXX XXXX XXXX **Enclosures ( List any documents you are attaching ) **
Consumer complaint received 2022-12-22
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. (GA)

I needed a loan and just applied for XXXX, unfotunately it was denied from the bank. So I pulled my credit report to see if I could see what the problem was. 

I noticed a lot of items in my report were not correct, but somehow ended up on my report- this doesnt make sense to me as they arent accurate.
Consumer complaint received 2024-03-21
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. (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX XXXX XXXX written , unwritten, verbal or non verbal to report my nonpublic personal information. XXXX XXXX XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which XXXX XXXX XXXX never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX XXXX XXXX violated the terms and conditions within their contract, because XXXX XXXX XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Consumer complaint received 2024-03-21
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. (TX)

Per the Federal Credit Reporting Act as a federally protected consumer, per 15 USC 6802 I'am now OPTING OUT of ANY AND ALL Authorization I, the consumer may have given to XXXX written , unwritten, verbal or non verbal to report my nonpublic personal information. XXXX is in violation of the Privacy Act of 1974 as well as 12 CFR 1022.24 Reasonable opportunity to opt out because I was never notified by XXXX XXXX XXXX that my nonpublic personal information was going to be shared to non affiliated third parties such as the XXXX credit reporting agencies, and I was NEVER GIVEN THE CHANCE TO OPT OUT. Also, 15 USC 6508 states that I have the option to opt out of any account reported to my credit report and I am supposed to receive an opt out notice every XXXX ( XXXX ) days which Bridgecrest never sent to me. I am hereby exercising my rights under 16 CFR 313.7 Form of opt out notice to consumers. Also, XXXX violated the terms and conditions within their contract, because XXXX states that they do not provide consumer information to third-parties which they violated by reporting my nonpublic personal information to the credit reporting agencies listed above. According to 15 USC 6802 B ) I am supposed to receive XXXX different disclosures before my nonpublic personal information is shared but I never received notice. I want this account removed per the laws I stated above within XXXX hours and the account XXXX XXXX. I will acquire a certified audit report on this loan and file a SEC complaint and upload the report as well if this account is not removed.
Consumer complaint received 2024-01-10
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp. (MD)

I made transfers of {$1000.00} to XXXX from my bank account to my brother ( XXXX XXXX on XX/XX/XXXX  through World Remit but the money never got into my brother account. I have contacted World Remit numerous but with a negative result. They refused to refund me my money. 

The transfer # XXXX
Consumer complaint received 2023-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (CA)

I got treatment in XXXX XXXX XXXX XXXX XXXX for accident on XX/XX/XXXX. I paid all my bills in XX/XX/XXXX. After this incident I never went to this hospital for any treatment but hospital sent me bill for treatment happened on XX/XX/XXXX. I called them more then XXXX times spoke to employee name XXXX to clear I was not at their hospital after XXXX maybe someone else used my social number to get treatment. But they send this bill of XXXX to collection on my social. Now it's showing as derogatory mark on my credit.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

I never received any information about continuing to pay my loan off during the payment pause for covid 19. During this time, from XXXX of XXXX through XXXX of XXXX, I continued paying my minimum payment that was due every month because I was under the impression that the life of my loan was going to be extended if I didn't pay. They continued to deposit this money every month without notifying me via mail or phone call or email that I didn't need to pay. During the summer of XXXX I applied for loan forgiveness. I spoke with multiple people at Mohela during this time and all of them stated that I would be reimbursed for those payments because I didn't need to pay them and that the federal government had a policy for repayment. They told me to wait for my loan to be forgiven ( I had applied for XXXX and was in the process of waiting ) because I had already made over XXXX payments. They all assured me that I needed to wait out the process and then fill out the appropriate reimbursement paperwork after my loan was forgiven. I called to follow up again in XX/XX/XXXX and during this phone call they told me that my loan was officially forgiven and that they will reimburse me for XXXX payments ( because I made XXXX payments ). During the same phone call they also told me that the window for applying for reimbursement for payments made during the covid payment pause closed in XX/XX/XXXX and that I can no longer apply for reimbursement. This company deposited all my payments from XX/XX/XXXX through XX/XX/XXXX and the amount they owe me is approximately {$13000.00} ( they reimbursed me for my last XXXX payments ). Every time I have called since, they try to transfer me to a supervisor. I have never been able to speak to one. I have left my phone number for call back multiple times and have received no follow-up. They are at fault because they never should've taken my money to begin with. They didn't send any written documentation explaining the payment pause and they failed to notify me during multiple phone calls that the window for applying for reimbursement was closing.
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX Account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2024-02-22
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (PA)

When I lived at XXXX XXXX XXXX, I dealt with 9 months of roach infestations while even still paying rent on time! This place had been a huge headache and why I left. While living there, doors always falling off, toilet pipes breaking where it flooded my bathroom, roach infestations, the office ladies are extremely XXXX  and wont help with anything, they lie to just get money from you! I refuse to pay them anymore when they gave me XXXX living there with everything going on and they did nothing about it where I had to stay at a hotel and at my sisters before to get away from the infestation. I still have pictures from almost 4 years ago since I left there. I put a bad XXXX review for them so NO ONE experiences what all I went through. They also threw away my brand new pots and pans that was mistakenly left the day they supposibly said it was inconvenient that they through it away. They couldve called and let me know it was mistakenly left behind which was a gift to me. They were my favorite pots and pans. They were left out so I had something to use while everything was packed away for my move. The fact that I still paid rent ON TIME for all the 9 months of roach infestations and all the stuff breaking in the apartment that they wouldnt fix is unreal! Theyre never going to get another dollar from me which isnt owed to them for the amount of trouble they have caused me when living there and why I finally left a little over 4 years ago! I dont wish this on anyone experiencing the XXXX family owned business that are so called office ladies that lie to each tenant that lives there!
Consumer complaint received 2023-05-02
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA (MA)

I started the process to do the lease buyout of my XXXX XXXX XXXX. On XX/XX/XXXX, I paid kia finance  {$14000.00} via the Kia Finance website. This payment was the amount that was quoted on the lease buyout quote that I pulled off of Kia Finances website. Kia pulled the money out of my bank account. I mailed them the odometer statement and bill of sale, which they require to release the title. Kia says they never received my mailed odometer statement and bill of sale. On XX/XX/XXXX, I faxed them those documents and also emailed them. 

I called on XX/XX/XXXX, and they said my account is still active. They said they have not been able to apply my payment to my account. They told me they would fix it that day, and on that same day fed ex me the cars title. 

Today, XX/XX/XXXX when I called Kia they said they have not applied the {$14000.00} payment to my account. They said they will do that now ( allegedly ), but that it will take one week to be able to release the title. 

I feel like Kia is making me jump through hoops because the lease buyout is not most profitable to them. Having paid the remaining balance on the car and submitted all paperwork, they are holding my title hostage.
Consumer complaint received 2024-02-08
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY (FL)

my secured credit card account was opened XX/XX/XXXX, by depositing $ XXXXwhich became my credit limit. I was misled into thinking after XXXX months if my credit card balance was in good standings, I would have the opportunity to graduate my secured card into an unsecured one and have my deposit released also as stated which was {$300.00}. 

TD Bank, N.A received a lawsuit due to this negligence and misleading information XX/XX/XXXX XXXX v. TD Bank, XXXX, UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY, Case No. XXXX ( D.N.J. )