davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (MI)

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 US CS1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-10-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: AES/PHEAA (PA)

I am a borrower impacted by the Joint Consolidation Loan Separation Act. I have completed a XXXX  reconsideration request ( including my employer certification ) and have been assigned a case number. As I believe I will now qualify for XXXX, I sought forbearance with my loan servicer, AES. This was granted through XX/XX/2024 ; however, interest continues to accrue monthly. When I asked for interest-free, I was denied. This is presenting undue hardship and financial risk to my family.
Consumer complaint received 2024-01-10
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: CITIBANK, N.A. (OH)

I signed up for a prom on XXXX if I spend {$800.00} on grogery, restaurant and gas I would get {$90.00} back each month for XXXX, XXXX, and XXXX. I was suppose to get it each month I spent that amount. I did not get it in XXXX or XXXX. I called XX/XX/XXXX the rep assured me the credit would be placed XX/XX/XXXX I did get my XXXX credit of {$90.00} but not my other {$180.00} so I called again and spoke to a supervisor he said that the request was put in and I would get the credit I waited and never got the credit. I called again and spoke to another supervisor and she told me the request was never submitted but assured me that she did it and I should have the credit by XX/XX/XXXX I never got as of XX/XX/XXXX she gave me a {$50.00} credit for all the trouble and interest I have paid over the last three month but I still out this {$180.00}. The company contines to try and get out of these promo they offer and needs to be looked into.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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. 

XXXX XXXX XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXXXX/XX/2022 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 data is inaccurate.
Consumer complaint received 2024-01-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (NJ)

I submitted a dispute several of them to the credit card company, explaining that this was not my dad. They agreed and agreed to take it off my credit, but already sold the debt to resurgent company. Now theyre harassing me saying theyre gon na mess up my credit or take my property all the stuff and now were trying to hit my credit and I also sent them a letter saying I want a proof they did not submit any. They refuse to answer me just keeps threatening me I already won the dispute. It should be taken off my credit and Im going to sue this company if they do not stop harassing me.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mercedes Benz Financial Services (NJ)

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX To Mercedes Benz Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX : Opt-Out Notice Pursuant to 15 USC 6802 Dear Mercedes Benz Financial Services , I am writing to formally notify you, as a consumer, of my decision to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties, in accordance with the provisions of 15 USC 6802.

As outlined in 15 USC 6802, I expect Mercedes Benz Financial Services to adhere to the following requirements : 1. Clearly and conspicuously disclose, in writing or electronic form, that my information may be disclosed to third parties.

2. Provide me with the opportunity, before the initial disclosure, to direct that my information not be disclosed to such third parties. 
XXXX. Offer an explanation of how I can exercise the option to prevent disclosure. 

I hereby exercise my right to opt out, and I request that you take immediate steps to cease the disclosure of my personal information to third parties, specifically XXXX, XXXX, and XXXX. I am aware that the Fair Credit Reporting Act ( FCRA ) stipulates penalties of {$1000.00} per violation, both for the furnisher and the reporting agency. 

I demand the prompt removal of my personal information from the aforementioned credit bureaus, as its continued reporting constitutes a violation of my rights under the FCRA and 15 USC 6802. 

Please confirm in writing that my request has been received and implemented. Failure to comply with this request will result in the pursuit of legal remedies available to me under the mentioned statutes. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my XXXX XXXX XXXX XXXX  I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-12-09
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: AMERICAN EXPRESS COMPANY (GA)

I WANT TO GET ME AND MY CHILD A PLACE TO STAY AND I REALIZED THAT I HAVE DAMAGES ON MY CREDIT REPORT AND ACCORDING TO THE 15 U.S.C 1681 LAW THERE SHOULD NOT BE ANY FDAMAGES ON MY CREDIT REPORT THAT IS A DEFIMATION TO MY CHARACTER
Consumer complaint received 2024-01-10
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (CA)

I received a credit card from Sephora that I never applied for. I talked to Comenity Bank over the phone on XX/XX/XXXX, and learned that a credit card was opened without my knowledge or consent at XXXX XXXX, XXXX, NY on XX/XX/XXXX, and a {$500.00} purchase was made. It was an identity theft and they said that the payment would be disputed and the account would be closed. They would start an investigation that will take up to 90 business days and the result will be mailed to me. 
I called XXXX to make a report on XX/XX/XXXX and set Fraud Alert. They also started a dispute process and investigation that will take up to 30 days.
Consumer complaint received 2022-10-28
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: Experian Information Solutions Inc. (NV)

nno known knowledge, never had an account or contract i have not worked in 8 years, i have not applied for credit i have been sick with XXXX for a year XXXX  XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00} written off. {$73.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$53.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$100.00} Terms XXXX On record until XX/XX/XXXX XXXX
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc. (LA)

I recently reviewed my credit report where I discovered that XXXX  ( Credit Collections ) ( account opened XXXX ) notated an account as Charge off /Collections on my profile. It was never disclosed to me upon our agreement that I had the right to opt in or opt out of my personal information being shared with a third party. In pursuant to title 15 U.S.C. 1681b ( a ) ( 2 ) any information placed on my Consumer report should be based in accordance to my written instructions. In pursuant to title 15 U.S.C. 1681c ( 4 ) No charge off /Collection should be listed on a consumer report without written consent and an adequate notice antedating XXXX years.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Sunbit, Inc. (GA)

XXXX/Sunbit has reported my account as 30 days past due in the amount of {$31.00} this is totally incorrect I am not past due and this account has been paid in before 30 days hit. If the 30 days mark is not removed from my credit file I will see council from my attorney. Im not sure where Sunbit is getting this information from and I dont know why XXXX allowed this company to report incorrect information to my credit file. At this moment XXXX is responsible for this inaccurate information as well and will be held accountable if the 30 day past due is not removed the amount of {$31.00} showing past due. I will never do business with TAB/Sunbit due to this inaccurate reporting and will post blogs and reviews on this company if not removed.
Consumer complaint received 2023-04-25
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. (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 the 15 USC 1681. XXXX XXXXXXXX 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, 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
Consumer complaint received 2024-04-17
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: EQUIFAX, INC. (LA)

I looked at my report on XX/XX/2024 and noticed some things are incomplete and not inaccurate on my report. According to the Fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I sent a letter asking them to reinvestigate these accounts listed below because These accounts are not reporting correctly, open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 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 I received the investigation back but noticed that nothing was modified or updated. So I requested a description of the re investigation and they did not provide it to me which is a violation of 15 USC 1681i7. According to this law 15 USC 1681i ( XXXX ) they are supposed to update or provide this information within 15 days.
Consumer complaint received 2022-12-09
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. (PA)

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 U.S.C 1681 : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX. 15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SUNRISE CREDIT SERVICES, INC (FL)

These Accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a 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 CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

I found out in XX/XX/2023 that I have a collection account is not mine. I did not authorized any agency or nothing to use my information. I did not sign any document or nothing to this company.
Consumer complaint received 2024-04-17
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. (NE)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-01-10
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: CITIBANK, N.A. (IA)

I've recently had XXXX XXXX and Citibank view my credit report without my knowledge or someone is using my information to open an account. I tried to dispute it through the direct credit companies but still no result. This is affecting my credit score. 

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 2024-01-12
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA (CA)

At XXXX XXXX XXXX XXXX XXXX XXXX, I received an email from Marcus by Goldman Sachs saying there is an issue related to my account and they asked me to call back. When I called them back, I asked what the issue is and they asked me personal information to verify my ID. I was able to verify my name, date of birth, last 4 digits of my SSN, and the secret word associated with my account. At this point, they told me they need to send a verification code to my phone for the last verification. However, the agent was not able to send the code because my phone number showed inactive in their system. This is the number I gave to Marcus by Goldman Sachs when opening the account and is the contact info linked to my account. Furthermore, this was the phone number I used to call them to inquire about the issue. Their system couldn't send the verification code and they told me they could not verify my identity. Because of that they refused to let me know what problem there is with my account. After hanging up, I checked my account and found that I couldn't access it anymore as it was locked. I called again but because of the same reason, they told me they couldn't verify my ID. They refused to give my the reason for locking my account and they refused to tell me how to unlock it and get back access to my money in it.
Consumer complaint received 2024-01-10
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc. (PA)

I have been behind on my loan since XXXX of XXXX. I applied for XXXX funds through XXXX. XXXX processed my application and reached out to my servicer, Rushmore Servicing, on or around XX/XX/XXXX. It is now 40 days later and Rushmore has refused to respond to XXXX 's debt verification request. 

For my part, I called Rushmore Servicing on XX/XX/XXXX and spoke with service rep. XXXX who informed me that they would take care of it. After waiting XXXX days and seeing no results, I then followed up with Rushmore and spoke with service rep. XXXX on XX/XX/XXXX and she stated that she didn't see a form to fill out. I then followed up with Rushmore and spoke with service rep. XXXX on XX/XX/XXXX who said that he can see the debt verification request but that Rushmore does not have authorization to release that information. In sum, he stated that it was because there is not a valid third party authorization from XXXX, but that is clearly not true. My attorney followed up with XXXX and XXXX provided the third party authorization that was sent to Rushmore. See attached. 

I need Rushmore to provide a debt verification to XXXX so that I can get current on my mortgage and save my home.
Consumer complaint received 2024-01-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MS)

there are accounts due to identity theft that are reporting onto my consumer report that shall be blocked and removed, per 15 USC 1681 within 4 business days. Your company has been negligent in my previous request of blocking the fraudulent accounts. I did not receive goods, money or services as a result of these transactions, I did not received any benefits from these transactions. This request is not being made in error or based on material misrepresentation so your company shall not decline or rescind to block the following items from my consumer report.

FTC identity theft attached