davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. Please have these inquiries removed from my credit file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

My son was scammed and the scammer somehow gained access to my account. We in no way provided my account information. The fake checks aren't even signed as required by USAA. They took the money for the checks and the amount my son sent back, thinking he was doing a bank verification. The company represented themselves as XXXX XXXX. He is young and didn't know what he was doing. Once I learned of this... I stopped it and notified USAA. USAA says they have 0 % liability ... ..but they are saying my son made the checks. I know this to be untrue ... .he didn't make any checks. USAA is saying they checks were deposited at XXXXXXXX XXXX XXXX XXXX. I found out this is also untrue as that address does not exist. I feel USAA is making this up so they don't have to cover the loss ... USAA has frozen all my accounts and any accounts associated with me. This is totally unacceptable. USAA needs to be held to their policies.
Consumer complaint received 2018-05-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (TX)

I called FAMS about my payments after speaking with Department of Eduaction and them telling me that FAMS is a fraudulent company. I asked Dept of Ed. to stay on the line while I called FAMS. When we called the representative from FAMS was very hostile when I explained I wanted to get answers regarding my account and was belligerent with Dept of Ed. rep. Dept of Ed told me to contact XXXX and told me this company probably was not reputable and to do further investigation. I called with XXXX who said they hadnt heard of company so again I asked if they would call on the line with me and received the same hostile response from representative when XXXX asked them about my account. After further investigation I found my account was with the defaulted private section of XXXX. FAMS was of no help with this they simply screamed I needed to settle the account when I tried to resolve if they were a reputable company Ive been paying. Both representatives from XXXX and Dept of Educatin were just as appalled as I was after the conversations were derailed into FAMS being unprofessional with answering simple questions about my account.
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

I have requested full verification that this item is reporting 100 % accurately. to which I have not received any documentation from Experian. As such I have requested that Experian delete the late payment on this account due to not providing me with any evidence that I was late on this account.
Consumer complaint received 2023-11-22
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. (PA)

As per the Fair Credit Reporting Act ( FCRA ) in 15 USC 1681 section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX, XXXX and Experian function as consumer reporting agencies, and I, as the consumer, possess the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801. This statute asserts the congressional policy that financial institutions must actively and consistently uphold customer privacy, safeguarding the security and confidentiality of nonpublic personal information.

Entities furnishing information to credit agencies, defined as financial institutions, fall under the scope of 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies may only provide a consumer report based on the written instructions of the respective consumer. In this case, the financial institution ( furnisher of information to credit agencies ) and the consumer reporting agencies ( XXXX, XXXX and Experian ) lack my consent, written or otherwise, to furnish this information. Any previous consent provided to these entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise the option to prevent such disclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option.

In addition, 15 USC 1681C ( a ) ( 5 ) specifies that a consumer reporting agency may not include certain adverse items of information in a consumer report, and this includes any adverse information that predates the report by more than seven years. The account in question is an adverse item being reported without my permission, which is a violation of the law.
Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) asserts that a person should not furnish information to a consumer reporting agency if they know or reasonably believe the information is inaccurate. XXXX, XXXX and Experian are not adhering to reasonable procedures to avoid violations of the FCRA. 

Finally, according to 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any time. Therefore, I am opting out of the reporting services provided by these agencies.
Consumer complaint received 2023-11-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc. (KY)

I had a car accident XX/XX/2023 I was referred to a XXXX XXXX XXXX and XXXX I did not finish therapy until XX/XX/2023. I received 2 bills. The last one being sent late XXXX. My attorney also received a copy of the bills just 2. My case was paid based on bills recieved. My auto insurance paid in XXXX of 2023. Around late XXXX I was already sent to collections Gla collections stating I owed additional {$240.00} I asked for a detailed bill explaining the past due since I thought it was paid in full based on bills received. They stated I could not call original creditor to get straightened out. I did any way and the claimed they sent me 3 bills I only received 2 my attorney only received 2 also. I finally got a detailed treatment bill 2 weeks ago. The original company has yet to even try to bill my secondary insurance. I gave them the information again when I contacted them. I am in the process of getting the remaining balance sent in and paid yet the collections agency is still sending me notices
Consumer complaint received 2023-06-18
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NJ)

Dear XXXX, I am writing to dispute the charges on my Care Credit account related to XXXX  services provided by XXXX XXXX XXXXXXXX XXXX The purpose of this letter is to request a full refund for the amount paid, as I did not receive the medical care that was promised, effectively resulting in being unjustly charged and ultimately ripped off. I kindly request that you take immediate action to rectify this situation and credit my account accordingly. 

Enclosed with this letter, you will find the receipt documenting the payment made to XXXX XXXX XXXX on XX/XX/2022, in the amount of {$3000.00}. This payment was intended to cover the dental services I was expecting to receive, but unfortunately, XXXX XXXX XXXX failed to fulfill their obligations, leaving me without the promised medical care. 

Furthermore, I insist that all additional charges incurred on my account in relation to this transaction be reimbursed as well. The total refund amount should reflect the disputed amount plus any associated fees or charges. I trust that Care Credit will thoroughly investigate this matter and ensure that I am not held responsible for a debt that arose due to the XXXX  company 's failure to deliver the services for which I had paid.
Consumer complaint received 2023-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (MI)

I had been receiving unemployment funds from the state of Michigan and up until XX/XX/2020, my daughter would withdraw the funds and give these to me. Upon a security review, PNC had been made aware that the funds were supposed to be debited to me, XXXX XXXX, however, the name on the bank account was XXXX XXXX. I have not been able to receive the deposit of {$2400.00} that unemployment sent to me because PNC subsequently closed the account for the review, however, still allowed deposits to come through. I received all funds for which every deposit had been made except for the deposit of {$2400.00}. My daughter has made several claims against PNC and after an initial claim they stated unemployment needed to call and request the funds back and after an additional claim, PNC stated we politely decline to return the funds. These funds need to be returned immediately as it has been over 3 years since that deposit was made. Unemployment stated that they reached out to PNC to request the funds back and have not yet received a response.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Westlake Services, LLC (CA)

I purchased a vehicle from them XXXX XXXX XXXX in CASH actually he ( man in office ) ran my card as CREDIT and took out the full amount with out my proper permission, but since it would be CHEAPER to pay the XXXX XXXX vs the {$6100.00} sticker price I didnt complain. 
I was not aware that he would be running my credit illegally since i NEVER financed thru them. They also took the car back claiming I owed them money, these are the dates my credit was illegally pulled : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I called up there and they assured me they had NO FINANCE company and they didnt know who or why XXXX XXXX connected to them.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Consumer complaint received 2024-07-29
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)

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 2023-11-22
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Resurgent Capital Services L.P. (CA)

Dear [ Creditor ], I hope this letter finds you well. I am writing to address a matter concerning my credit report and the late payments that have been reported by your company. I believe that these late payments have been inaccurately reflected on my credit report, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, specifically 15 USC 1681 section 602, I have a fundamental right to privacy when it comes to my personal financial information. Additionally, 15 USC 1681 section 604a section 2 states that a consumer reporting agency, such as yourself, can not furnish information about my account without my explicit written instructions.

Furthermore, I would like to draw your attention to 15 USC 1666b, which states that a creditor may not treat a payment on a credit card account under an open consumer plan as late for any purpose. It is my understanding that this provision applies to my situation, as the late payments in question were made within the appropriate timeframe. 

Given the aforementioned legal provisions, I kindly request that you take immediate action to rectify this matter. Specifically, I request that you remove the late payments from my credit report and ensure that my credit history accurately reflects my payment history. 

I trust that you will handle this matter promptly and in accordance with the law. Please provide written confirmation once the necessary corrections have been made to my credit report. Failure to comply with my request may result in further legal action to protect my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, I
Consumer complaint received 2017-05-07
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION (PA)

I applied for a mortgage  at BB & T w/   XXXX   XXXX   , Mortgage Loan Officer N  ML S ID :  XXXX  Office :  XXXX  Mobile :  XXXX  at the  XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  branch.   After explaining that the seller wanted to close asap and that  XXXX   XXXX  was the absolute last day the seller was willing to wait to close,  XXXX  and  XXXX  in the  XXXX  had no sense of urgency whatever, and did not communicate with us or our agent after we begged, pleaded, emailed, etc. No common decency or even professionalism was shown. I did everything asked in a timely fashion and they waited until well after the deadline to alert us that the loan was basically not approved. It was " conditionally approved '' after the fact but that is not what the agreement stipulated. The home is being sold "  AS  IS '' and so there can be no contingencies for repair and they knew that if they read the agreement. They all should have known that and if that was an issue from the beginning, then they should have said we do n't write as-is loans. I am a well qualified borrower with assets at my disposal, and a pillar of my community. They repeatedly dropped the ball causing this deal to fall apart and me to loose money. Exasperatingly incompetent to be in the mortgage origination business. They should be sanctioned to the highest degree.
Consumer complaint received 2023-11-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (NJ)

I was charged {$600.00} by XXXX on XX/XX/XXXX for a massage table. I received the incorrect item. I contacted XXXX who then sent XXXX to my home to collect the massage table and XXXX left me a receipt with a tracking number. After about XXXX weeks, I called XXXX to find out where my refund was and they stated that I would have to wait 60 days for a refund. As far as I know that is not legal, and XXXX suggested that I dispute the charge on my credit card. So thats what I did. I provided Discover with everything Needed to show proof of return and proof of wrong item being sent to me to begin with. XXXX then reply to that dispute with XXXX pieces of paper actually showing the tracking number and that they received the return, so I am unsure as to why Discover is refusing to find in my favor, but they said theres nothing else I could do. I called XXXX and they said that I only had 30 days to file an A-to-Z claim, which I was not offered back in XXXX. It has now been around XXXX months, so I am unable to get a refund from XXXX and Discover is refusing to resolve the dispute in my favor. Again I have proof of delivery, however, the tracking number is no longer valid after 120 days on ups.com but you can still call them and they can verify delivery. Plus I have screenshots showing that it was delivered back to XXXX.
Consumer complaint received 2024-09-02
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. (GA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2023-11-22
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. (GA)

All 3 credit reporting agencies are in violation of my fair credit rights, they are reporting late payments 15USC168a ( 2 ), invalidated charge off and collection on my reports, as well as refusing to remove old address from my report, I have filed a complaint with FTC and will continue to do so until the violation are removed
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SECURITY FINANCE CORP (NC)

I believe the account is invalid. PROFESSIONAL FINANCE SERVICES needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records.PFS XXXX
Consumer complaint received 2022-12-09
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. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-09-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (IL)

I am filing a complaint regarding Midland Credit Managements failure to validate an alleged debt and their continued inaccurate reporting to the major credit reporting agencies ( XXXX, XXXX, and XXXX ). The debt, associated with account number XXXX in the amount of {$1600.00}, has been reported as a charge-off to all three bureaus, yet Midland Credit has failed to provide validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. 

On XX/XX/year>, I formally requested validation of this alleged debt, which includes : The name and address of the original creditor. 
A detailed account statement showing how the amount of {$1600.00} was calculated. 
A copy of any contract or agreement that obligates me to pay this debt. 
Despite this formal request, Midland Credit has neither provided the required validation nor ceased reporting the unvalidated debt to the credit reporting agencies. Their continued reporting of the debt violates my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ), which mandates that all credit reporting must be accurate and verified. 


This ongoing inaccurate reporting has caused me financial harm, including damage to my credit score and the inability to obtain necessary credit extensions, which is affecting my day-to-day financial obligations.
Consumer complaint received 2024-09-02
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. (GA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.