davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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 Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account XXXX : XXXX Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-12-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Waypoint Resource Group, LLC (NJ)

Waypoint Resource Group called XXXX, and attempted to contact a person, who prior to 2012, had this phone number. Since XX/XX/2012, this number has been assigned to XXXX XXXX, who does not know nor is related to XXXX XXXX, the individual Waypoint tried to contact. 

Waypoint Resource Group needs to exercise more due diligence with respect to calling people with whom they have no business or reason to call. Whether or not this call was intentional or due to an error, it still translates into an invasion of my privacy. 

Please ensure that my phone is removed from their database and that I do not receive any more phone calls. 

Thank you, XXXX XXXX XXXX, NJ
Consumer complaint received 2018-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: VIRTUOSO SOURCING GROUP, LLC. (MD)

A notice of cease and desist, as well as a request for proof of a contract was sent to the Virtuoso Sourcing  Group on XX/XX/2018.  However, they refuse to respond.  Instead harassing and contacting me everyday, 3-4 times a day since the date listed on the notification letter of XX/XX/2018.
Consumer complaint received 2022-11-26
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal XXXX XXXX XXXX  {$2600.00} XXXX XXXX XXXX$3900.00}
Consumer complaint received 2022-12-19
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: EQUIFAX, INC. (VA)

Dear Sir or Ms : Over this past weekend ( XXXX XXXX ), my wife and I submitted a mortgage application to determine our options in the purchase of a property here in XXXX VA XXXX I don't recall getting an opt-out option, but the credit bureaus shared our information with appears to be hundreds of lenders. My wife and I have each received more than 65 calls each ( XXXX calls total ) just this morning. It is atrocious and unacceptable that the same institutions that we count on to safe guard so much of our personal information are turning around and sharing this on the back side with a hungry and depressed mortgage banking market. I have never in my life had such an experience - we need strengthened data privacy laws so that my personal information is not shared with other lenders without my knowledge. I will make the decision on whether to shop around for other lenders not the credit bureau. Your assistance with this matter and sharing options for how to change this would be much appreciated. 
Sincerely, XXXX XXXX ( M : XXXX )
Consumer complaint received 2024-01-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I noticed Portfolio Recovery Associates on my credit report and I've never had a XXXX card and Portfolio Recovery Associates is claiming I owe {$800.00} based on last report. However, when I contacted them, the information they have does not match and they are unable to share or provide ANY information linking me to this account. This is 100 % against XXXX policy and they should be fined for trying to collect a debt that is not owed.
Consumer complaint received 2024-04-01
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. (GA)

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 Account Number:XXXX  Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account XXXX : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.
Consumer complaint received 2017-02-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION (MO)

Upon finding out my medical bill was sent to collections, I paid the bill directly to the health care provider. Although the collection was removed by XXXX, XXXX continues to show it as an open account. Receipts outlining paid have been provided. In addition collection company falsely stated my debt was discharged or I was late on paying the collection amount. Debt owed paid in full. In addition XXXX gave collection company sensitive medical information in direct violation of HIPPA laws. The collection company had my XXXX, XXXX done, medical issues found, and various other medical issues from my medical chart.
Consumer complaint received 2017-03-09
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (CA)

I was approved for a personal loan for {$12000.00} with One Main Financial. I asked about a receiving a lesser amount and reduction of the term of the loan from 48 to 24 months. I was supposed used my car title as collateral which was fine. The loan officers for the local branches provided unsubstantiated information in regards to the exact amount they wanted me to agree to and pay debtors on my behalf. I questioned why they chose which debtors are paid without looking at my entire financial portfolio. Why ca n't I choose which debts to pay that will reduce my overall monthly bills? I am responsible for this loan and this will not help my financial situation, especially at 22 % interest and title to my car. I do n't believe the what the two loan officers said was true. When I called the main corporate office I was told the loan application and amount is at the discretion of the local branch who processes it. I declined their terms but I feel the advertising is very misleading to consumers and the corporation seem to employed untruthful, misinformed workers to represent them.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION (MN)

I opened an account with CapitalOne with the promise of a {$350.00} sign on bonus if I made two deposits of {$250.00} each from a bank unrelated to CapitalOne. I transferred two {$250.00} deposits from my XXXX XXXX account. 

CapitalOne has changed the terms of the agreement to state that the funds must come from a payroll deduction or from Social Security. 

I contacted Capital One and there is nothing they are willing to do.
Consumer complaint received 2017-04-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To whom this may concern, I am writing to report that address information on my credit report is entirely incorrect. Specifically, according to TransUnion, I lived at " CEASE DESIST, XXXX, SD XXXX '' from at least XX/XX/2015 to present. ( Please see attached credit report ) Obviously " CEASE DESIST, XXXX, SD XXXX '' is not a valid address and it should be investigated and immediately removed. 

An investigation is required because I wish to know whether it was TransUnion or another financial entity that reported this clearly erroneous information that violated the Federal Fair Credit Reporting Act, consumer protection laws, and state laws. If this is a record inserted by TransUnion I want to know why this record was inserted and what justification TransUnion can provide - be specific as to why TransUnion believed that submitting a know to be false address to my credit report meets the " true and accurate '' requirements of federal law. If another financial institution reported this information, please provide to me the name, address, date, and contact information for the financial institution that reported this information. 

By putting/accepting, and maintaining known to be false information on my credit report, TransUnion and their affiliates have effectively barred me from opening any bank accounts that conduct an address / residence check by comparing consumer provided information to credit report record information. As the CFPB has become aware, locking consumers out of financial products is highly damaging and there is reason to believe that this behavior is widespread effective thousands if not hundreds of thousands of other customers.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (MN)

I have a Discover card personal loan for XXXX with very high interest, unfortunately. However, on two occasions now, i have changed my billing date to pay earlier to cut down some of the interest charges and pay quicker. On both occasions, i received a confirmation email from Discover but yet they didn't take the payment out until the original scheduled date ; which means the money sits in my bank account and not applied to my loan/credit card and continues to accrue interest!!!!!! 
I emailed them both times and no resolve.
Consumer complaint received 2017-12-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC (TX)

SOURCE RECEIVABLES MANAGEMENTcontinues to call me after they have failed to validate the Debt. Harrased me the first. Rude and disrespectful, ask for personal information to verify debt. In violation of privacy act XX/XX/XXXX. I will report to FTC commission. I have not given them permission to call my phone or hold my information that 's identity theft. Absolutely no contract with them they need to cease and desist. Never call me again. I have given them a few schelude and will file at small class for XXXX per call. I have over 20 calls from them. These debt collectors have have been put at notice, I have recorded calls any call after XX/XX/XXXX will be charged as fallows XXXX per call and XXXX per min. I have more than 3 calls after that date.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated.
Consumer complaint received 2024-01-05
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (GA)

Subject : Cease and Desist Communication - Account Number XXXX Dear I C SYSTEMS COLLECTIONS, I am writing to address the numerous violations of my rights and applicable laws that have arisen in connection with your pursuit of an alleged debt associated with account number XXXX. I categorically do not consent to any business dealings with your company, and I insist on the immediate cessation of all communication. 

The following violations have been identified : 1. **Illegal Obtaining of Personal Information : ** Your company has unlawfully acquired my non-public personal information and used it in an attempt to coerce payment for a debt I am not obligated to pay, constituting a violation of my privacy rights. 

2. **Deceptive Collection Practices : ** I contend that your debt collection efforts involve deceptive practices, as I am not under any legal obligation to settle the alleged debt. 

To address these issues and uphold my rights under Georgia state law and federal statutes, I insist on the following actions : 1. **Cease and Desist : ** Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C . 1692c ( c ) ], I demand an immediate cessation of all communication from I C SYSTEMS COLLECTIONS, with the exception of written correspondence through mail. 

2. **Third-Party Communication Prohibition : ** In accordance with the FDCPA [ 15 U.S.C. 1692b ], your company is hereby prohibited from communicating with any third parties regarding the alleged debt. 

3. **Deletion of Personal Information : ** Under the Georgia Fair Business Practices Act [ O.C.G.A. 10-1-393.4 ], I insist on the prompt deletion of all my personal information from your records.

4. **Removal from Credit Report : ** Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C . 1681s-2 ], I demand the immediate removal of any information related to this alleged debt from my credit reports with XXXX, XXXX, and XXXX. 

Failure to comply with these demands may result in legal action, including but not limited to filing complaints with relevant regulatory authorities and pursuing remedies under the aforementioned laws. 

Your prompt attention to this matter is not only essential for resolving this dispute but is also required by law.
Consumer complaint received 2024-01-05
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: NCP Holdings, L.P. (IN)

Re : CFPB claim XXXX XXXX re : XXXX Submitted complaint XX/XX/ Attempt to Resolve Compliant : negative outcome Request to be enjoined to CFPB Legal suit : CFPB Sues Installment XXXX XXXX for Illegally Churning Loans to Harvest Hundreds of Millions in Loan Costs and Fees A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX known as XXXX XXXX XXXXXXXX , induced struggling customers into a fee-harvesting and loan-churning scheme XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-02-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2024-01-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (NJ)

I sent a certified letter to AMERIFINANCIAL SOLUTIONS XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MD XXXX no response I am requesting a XXXX release form show i agreed to release any of my medical records, Please provide me with the below mentioned things : * The amount you claim Iowe you * Explain and show me how you have computed the amount *Send me the copies of any documents that prove Iagreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period *Prove that you're a licensed debt collector *Show me your license numbers and registered agent.
Consumer complaint received 2024-04-01
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. (TX)

I believe FCRA 605B necessitates the elimination of any erroneous accounts from my credit report. Would you mind examining the documents? Some of the listed accounts contain inaccuracies, causing me discomfort.
Consumer complaint received 2024-01-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Dovenmuehle Mortgage, Inc. (MD)

On XX/XX/XXXX, I contacted the Dovenmuehle Mortgage , Inc and speak with representative XXXX XXXX at extension XXXX to verify the payoff amount for my mortgage. He confirmed that the amount to be sent by wire was {$61000.00}, which I sent immediately. However, when I followed up on XX/XX/XXXX to check if the payoff had been received, I was transferred to different representatives who gave me conflicting information. One representative informed me that they had not received the payoff, while another suggested that I still needed to pay with higher interest rates. The third representative, XXXX XXXX, confirmed that the payoff was received but was short for taxes. She suggested that I pay an additional amount of {$1300.00}, which I did. 
However, on XX/XX/XXXX, I received a document stating that I still owed more money with higher interest rates. When I went to the bank to verify the payment, they confirmed that the mortgage company had returned the money for the payoff on XX/XX/XXXX, without informing me that they had refused the payment I sent on XX/XX/XXXX. 
On XX/XX/XXXX, I made two mortgage payments online using a new account that I set up. The payments were for XX/XX/XXXX and XX/XX/XXXX to avoid any penalties. I also requested an electronic payment payoff for XX/XX/XXXX. However, I'm concerned that I may encounter issues again. My mortgage provider has charged me an additional {$50.00}, and they haven't given me a clear reason for it. I'm worried that they don't want me to pay off the loan. I've tried contacting their customer support team, but I still haven't received a satisfactory answer.? 
This mistreatment was based on my race, age, and limited English proficiency, have caused me immense stress, XXXX, and physical and emotional harm. I feel that the mortgage company treated me differently because of my age, race, and language. The XXXX XXXX XXXX suggested that I file a complaint to get the help I needed. 
I believe that Dovenmuehle Mortgage , Inc is benefiting from the interest on my loan and doesn't want me to pay it off so they can continue making money.
Consumer complaint received 2024-01-05
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. (MI)

I have unauthorized Inquiries that I do not recognize. I ask that the Inquiries be removed from my Equifax credit profile. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have also attached a copy of ITR along with my complaint.
Consumer complaint received 2022-12-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (IL)

On XX/XX/2022 Wells Fargo Account beneficiary fraudulently accessed our business account with another bank. They initiated a wire transfer in the amount of {$49000.00} to Wells Fargo account XXXX ( see wire transfer confirmation and enlarged pages ). This was fraud. Wells Fargo was alerted by our bank 's fraud team, bit delayed the response for a swift recovery allowing the fraud actor to withdraw the funds. The delay, which was not reasonable, provided an extended window of opportunity for the fraud actor to withdraw the funds. However, the issue should never had been able to transpire in the first place. Wells Fargo was negligent in its interactions with the fraud actor by allowing this account to be opened in the first place. Wells Fargo failed to take commercially reasonable steps to prevent the fraud activity. The account was opened using the name " XXXX XXXX XXXX Services '' out of California. A simple and basic record search with the California Secretary of State would have identified no such entity exists ( see 2-page screen shot of the Secretary of State website showing no such entity exists ). The negligent manner Wells Fargo sought a new account rather than taking its own policies for verification is further idiotic as the address for this fraud account actor is listed at XXXX XXXX XXXX, XXXX XXXX CA, XXXX. A basic " XXXX '' online search ( results attached ) shows this as a XXXX room shack property, certainly not reasonable to be an XXXX XXXX XXXX. Either of these methods used to take commercially reasonable efforts to verify the valid identity of this fraudster would have and should have raised concerned if in fact these were properly verified before allowing them to open the beneficiary account with Wells Fargo. Wells Fargo made no effort to responsibly act as a banking institution and allowed a pathway for fraud to occur to which I was the victim.