davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-09
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. (FL)

Equifax XXXX XXXX XXXX Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. So, I did reach out to these company, and they were unable to provide me with any valid proof of any delinquent. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec.1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? while doing extensive research where it states by law, I have 30 days to complete this investigation. and I have not gotten a response back and it have been longer then 30 days. Please investigate the following accounts and remove them if anything is missing or not correct on them. from the look of things my information has been sold without my consent which is in vallation of my privacy. 
I demand the following accounts be removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also read where I can get the updated report after you investigate this from the free lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the form area.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NM)

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file 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 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 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
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC. (GA)

Supervisor XXXX from XXXX XXXX contacted me after I requested a Sup. To call me.She informed me that a split credit profile was created in my name and for me to send supporting documents verifying who I am.Because of what Midland Credit Management Inc. had did entering the wrong social security number and creating split credit files.Also impacting my credit score severely. I emailed the documents to XXXX XXXX to the email she gave me but after months have gone by I called again and spoke to Supervisor XXXX in the online access department and she informed me the split profiles were still there.File # XXXXThis has been going on to long without me even knowing this.I want Midland Credit Management Inc to be deleted from all three major credit bureaus on my Credit Profile and to pay for damages that cause harm in different areas in my life affecting and causing emotional distress and suffering with a bad credit score!
Consumer complaint received 2023-11-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CrossCountry Mortgage LLC (OH)

XXXX XXXX and CROSS COUNTRY MORTGAGE are in violation of the TRID " 3 day disclosure rule '' I requested multiple time for my closing documents so that my attorney could review them. 

Not only did i have to sign the closing documents under an amount of duress, because of my health, but i was in no way provided time to have an attorney over look the documents.
Consumer complaint received 2023-10-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: American Credit Acceptance, LLC (MN)

I had to take my car in because i was having multiple issues wirh it. I vocolized this within the three month period XXXX XXXX with no results from it. But then as i drove it multiple more issues happened. And that was after the 90 day term. I was very confused and upset Bout all the issues i started to notice. I continued to XXXX  the vehicle to. Mechanic with out any income of the situation. Then i resorted to looking in my owners XXXX. And thwre i found an invoice stating the the electrical issues needed to be assessed. I have it on the invoice from the XXXX XXXX. Which inturn could have been the whole problem from the start. So trying to fix it drained all my means to pay the payments. So i defaulted and tried to access the website to email them and my account was locked. Then they repossessed the vehicle.
Consumer complaint received 2023-12-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

These companies obtained a copy of my consumer report without my consent or authorization which placed an inquiry on my report which in turn has stopped me from obtaining credit I want them removed immediately or will proceed in legal proceedings XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX and XXXX and XXXX and XXXX and XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX and XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX and XXXX and XXXX and XXXX XXXXXXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (CA)

I was exposed to chemicals at work XXXX XXXX XXXX XXXX I was taken from work to the hospital by my employer and spent two months in the hospital. I had part of my XXXXXXXX XXXX as a result of the inhalation of chemicals. It is illegal for a physician or medical facility to bill an injured worker if they know the injury is work related-related. this law is found in California labor Code section 3751 ( b ). This dept is for a work related injury and there is a current and open workers comp claim. I will attach the documentation that shows that there is a current and open worker comp claim and they are absolutely aware of the fact that there is and I have provided this information to The Hospital as well as this Dept Collector. This Hospital Bill is the sole responsibility of the Workers Compensation insurance company, and I am not legally responsible for any medical services rendered. This Company is Harassing me for a Fraudulent Dept collection that was never my responsibility, nor will it ever be my responsibility and it is completely fraudulent and unethical to be billing me for anything regarding having part of my XXXX XXXX due to being exposed to toxic chemicals at work.
Consumer complaint received 2023-12-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (NV)

Mr Cooper AKA Nation Star conducted an escrow analysis and advised of the shortage I was to pay in the amount of {$26.00} by the deadline to prevent my mortgage payment from increasing effective XX/XX/XXXX. However, despite paying the shortage on time the Mr. Cooper still increased my mortgage payment. I have already asked them to correct this error and instead of restoring my mortgage payment back to the original amount they justified the increase. This is extremely unethical, not to mention a bait and switch. In bringing this to light, it's my hope that regulatory entities will hold them accountable, make them correct their intentional error and investigate their unethical practices.
Consumer complaint received 2024-03-21
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX last year, I opened my bank of american account. 
Half year later, I opened my credit card. But things happens then, bank american has a bug in their system which accidently link my credit account to my sister 's accout, and they baned my account after my sister report someone using her credit. 
Then, I went to bank serveral times, and spend a lot of time deal with this. The bankers in XXXX also help me a lot. They try to call their manager and supervisor department to help, but they just can't solve my problem. 
Later, they told me my case was sent to fraut department and have to wait for their response. For me, it was very unreasonable. 
Then I look for help from cfpb. Soon, the bank called me, and told me I can go to the nearest bank and get my money back by verify my identity. 
XXXX weeks ago, I went to bank and asked for the money. They told me just wait for the check coming to my mail box. 
Now, I only received XXXX mail, XXXX about my account is closed and money was reduced, another is said I can get the money from bank. But when I went to the bank, the banker told me I might have to wait more than XXXX year to get my money back!!! 
The bank stolen my money by their mistake, and let me wait for more than XXXX year!!!
Consumer complaint received 2024-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jonathan Neil & Associates, Inc (TX)

Received a letter from Jonathan Neil & Associates Inc, stating that I had been involved in an vehicle accident that NEVER happened. Client is XXXX XXXX Claim : XXXX. These are false accusations that they state occurred on XX/XX/year>. The company asked for my insurance information in regard to this matter. The next day I received a notice that the company was a debt collector and requested I pay {$1100.00}. I feel this claim is unsubstantiated and will respond to the collector to dispute the claim with a letter requesting a police report of the accident and individual involved. I received numerous phone calls from the company before I blocked the number. Please advise this creditor to cease and desist.
Consumer complaint received 2023-02-14
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. (TX)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights. 

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 an account without my written instructions.

15 U.S.C. 166b a creditor may not treat a payment on a credit card account under and consumer credit plan as late for any reason.
Consumer complaint received 2023-09-11
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. (MS)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/2021, XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/2021, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX/XXXX  Date of inquiry : XX/XX/, XXXX XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/, XXXX XXXX Date of inquiry : XX/XX/, XXXX  Date of inquiry : XX/XX/XXXX  & XXXX  Date of inquiry : XX/XX/,
Consumer complaint received 2024-03-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

XXXX XXXX acctXXXX I previously sent a verification letter via certified mail regarding inaccuracies on my credit report. Despite their form of verification, the attached screenshots indicate the information remains inaccurate. This persistence is a direct violation of Title 15, Section 1681 of the Fair Credit Reporting Act ( FCRA ). I urge immediate correction of this error as mandated by federal law to uphold the accuracy and integrity of consumer credit reporting. Your swift attention to this matter is greatly appreciated.
Consumer complaint received 2023-07-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC (MS)

I responded to a text message from Wakefield & Associates ( I don't recall providing permission to them ) via the number listed in the text message on XX/XX/2023. I was informed that I had a debt of approximately {$1300.00}. They mailed the debt validation letter or bill to the wrong address and have the incorrect address on file. I refused to provide them with my address, and I still have not provided them with my address. I requested that the debt validation letter be emailed to me, but I was instructed to send an email to request it. I emailed both email addresses ( XXXX and XXXX ) on XX/XX/2023. I requested an itemized statement, debt validation letter, and a discount/settlement letter. They recently reported that they did not have the email and instructed me to send the email again. They told me earlier in this process that the debt would be reported on my credit report on XX/XX/2023. I would like to have an itemized statement, debt validation letter, and a discount/settlement letter before I make any payment.
Consumer complaint received 2024-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CT)

I submitted SAVE plan application XX/XX/2023 which was received by Aidvantage XX/XX/2023. 
Dept of Ed guidance said we would make one small payment amount in XXXX before making SAVE plan payments. 
In XXXX there was no small payment due and SAVE plan was still not processed through Aidvantage. 
I called Aidvantage and automated message said SAVE plan applications were still being processed and no action was needed on my part. 
In XXXX XXXX, received notification that my loan was 4 months delinquent. 
I called Aidvantage and was told that my SAVE plan could not be processed because I did not make a payment in XXXX when payments resumed. I was also told by Aidvantage all SAVE plans could only be completed over the phone. I was told by Aidvantage that I would only be aware of this by calling them and speaking to a representative. 
My loan is now 4 months delinquent and Aidvantage has told me they can not process my SAVE plan.
Consumer complaint received 2023-04-24
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I received document in # XXXX stating I did not provide the info requested (? ) and purcahse adjustment {$30.00} was reversed. I VEHEMENTLY DISAGREE! 

PLEASE explain what other info needed I paid and sent ticket receipt previously XXXX XXXX XXXX XXXX XXXX Seat XXXX XXXX baht  = ( {$30.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX baht Due to aircraft change they gave me a last resort seat and I had to visit XXXX XXXX XXXX XXXX in XXXX to physcially in person agree to seat XXXX, Agent told me XXXX XXXX process refund of {$30.00} after, many weeks and several unanswered e mails without a credit {$30.00} I went to cfpb because Capital has no email that I could use to contact Tell me what specific info do you still need to continue
Consumer complaint received 2023-05-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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 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 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (SC)

Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Consumer complaint received 2023-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (CO)

I wrote to try to find out how I can best tackle my student loans with extra payments. To do so, I asked for an amortization schedule. The company, three months later, wrote back saying they dont provide amortization schedules for loans. I am not aware of any other lender who takes this position. This does not allow me to analyze my options or figure out how to pay down the debt faster.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

My info was bought and sold illegally, because i was a victim of the Equifax data breach. I would like to have these items deleted from my credit report effective immediately. I am attaching proof that Equifax has admitted that i was in fact a victim if this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit report.
Consumer complaint received 2023-12-08
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp. (CA)

I use world remit to send money, while I was using their app, it kept saying that make sure the receiver information was correct, so it said money send and then it said payment failed, but when to my XXXX XXXX account and worldremit already took the money
Consumer complaint received 2024-03-27
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MA)

I recently shifted money from XXXX high yield savings to Marcus by Goldman Sachs high yield savings on XX/XX/ 2024. I attempted to move a portion of it to my checking account to cover expenses on XX/XX/XXXX and it was reversed without explanation. I attempted to transfer funds again to my checking on XX/XX/2024 and was told this would again be declined because the funds had not been in the account sufficiently long. When I inquired when I would be permitted to transfer funds, I was told that they could not provide me a specific date and it is done case by case.
Consumer complaint received 2023-12-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION (HI)

I am writing to address the charged-off account associated with the above-referenced account number. I understand the account has been charged off, and I am reaching out to discuss the possibility of settling the outstanding balance. 

Due to [ explain any financial hardship or challenges you've faced ], I am currently unable to pay the full amount owed. However, I am eager to resolve this matter and am proposing a settlement. 

I am offering to settle the account by paying [ percentage or specific amount, e.g., 50 % of the total balance ] as a full and final payment. Upon receipt of the agreed-upon amount, I request that you update the account status on my credit report to " Paid '' or " Settled. '' I believe this proposal is fair and mutually beneficial. It would allow me to resolve the debt while providing your agency with a reasonable payment. 

Please find enclosed [ if applicable, include any supporting documents or a cashier 's check for the agreed-upon amount ]. I kindly request that you send me written confirmation of our settlement agreement, including the updated account status on my credit report, within [ specify a reasonable timeframe, typically 10-15 business days ] of receiving the payment. 

This settlement is not an acknowledgment of liability for the debt, and I am making this payment to expedite the resolution of the matter. 

If you find this proposal acceptable, please provide a written confirmation of our agreement, and I will promptly submit the agreed-upon payment. 

Thank you for your attention to this matter. I believe that reaching a settlement is in the best interest of both parties and will help bring this issue to a satisfactory conclusion. 

Sincerely, XXXX XXXX Note : Before sending such a letter, it's advisable to consult with a financial advisor or legal professional to ensure the terms are appropriate for your situation and comply with applicable laws.
Consumer complaint received 2023-11-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credence Resource Management, LLC (MD)

I have never done any business with this company. but they have roped up on my credit report, reporting negatively about a debt that I do not owe them, they bought it from XXXX XXXX XXXX. I filed bankruptcy in XXXX XX/XX/XXXX it was discharged. yet this company has made my already challenging credit score lose about XXXX points because of there deceptive behavior. I have sent them a remitted payment on the coupon they sent me by mail. but if they are in violation then I should not have.