davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-21
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: I.C. System, Inc. (MI)

In Accordance with the fair Credit reporting act. This List of account below has violated my federal privacy and confidentiality under 15 USC1681. 

XXXX Account # 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 A section 2 : It also states a consumer reporting agency can not furnish a instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer items of information Any other adverse item of information, other than records of convictions of more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to a person knows or has reasonable cause to believe that the information is in accurate.
Consumer complaint received 2023-02-20
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. (OH)

In XXXX, I visited a few car dealerships to shop around and explicitly told these dealerships that I do not want my credit report run because I will be getting financing through my credit union as well as making a down payment. These dealerships then took it upon themselves to run my credit report over 20 times across different banks to try and find a rate that would beat my credit union even though I had just asked them not to do that. They did so against my wishes because they were aggressively trying to make sure I left with a vehicle that day. Below are these frivolous inquiries segmented by credit bureau. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

This is what I sent to the insurance commissioner of the State of FL in 2021 about XXXX  and I thought the matter was handled. " I made a payment in XXXX and XXXX for insurance for those months. I am also attaching emails that show them giving me discounts and lowering my payment as well as me cancelling in XXXX because they were in increasing my rates. I find XXXX  likes to mislead their customers through bait-and-switch tactics and then suddenly throws a large premium increase at them which is why I decided to change to a different insurer. I was only with them 3 months. In one of the emails where I cancelled and I had already paid my payment as of XX/XX/XXXX to carry me thru to XX/XX/XXXX which is when I cancelled, they told me I had a {$310.00} balance that was due in XXXX. Now why would I be paying them in XXXX if I was cancelling in XXXX? Why should I have to? I was paying every month for the month in advance. ". Now I am getting a collection notice from a 3rd party company and they are ruining my credit 3 years later.
Consumer complaint received 2018-08-15
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (CT)

I was unaware of the notice originally sent regarding payment. When I received a call from Conserve to collect the debt, I was put on a payment plan. I payed 3 months of the {$140.00} payments and paid the remaining {$1100.00} the XXXX month. 

I am now working with a law firm to remove the negative mark on my credit report.
Consumer complaint received 2018-08-15
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TN)

I am Submitting this complaint with the CFPB due to Experian NOT being in compliance with the law of the FCRA section 609 ( a ) ( 1 ) ( A ). you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. On XX/XX/2018 I sent a dispute letter to Experian on XX/XX/XXXX, I received a letter back of dispute results stating that the company that reported the information certified to Experian that the information was accurate. I went back to the original company/ courts and a administrator told me that the court does not provide any information to the Credit Bureaus. I also was informed from the court administrator that the 3 major Credit Bureaus gather or claim to verify information from a program or companies called XXXX, XXXX, and XXXX. According to the FCRA this is NOT verification because neither one of these companies are 100 % the ORIGINAL furnisher of these records! An with Experian doing this it goes against my rights as a Consumer.Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed. I demand that with my supporting documentation from the original furnisher that all public records be deleted and blocked from my Credit Report immediately. 

Thanks
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

On XX/XX/XXXX at XXXXXXXX XXXX XXXX XXXXXXXX, I purchased {$31.00} of groceries with my Bank of America Debit Card. 
Someone stole both the PIN # I entered and my Debit Card without my knowledge. I didn't discover the loss till my wife asked me if I withdrew {$900.00} from our account. I said no and called Bank of America to report an unauthorized transaction on the Debit card. The agent for the bank said we needed to call back Monday and they would credit the account for $ XXXX turned out at least 2 other attempts were made to use the card but those were not successful. The agent I talked with from BOF at XXXX Texas said there would be an investing nation that would take about 30 days. I went to XXXX myself and asked if there might be a video to see who stole my Debit Card but he said only the Police could authorize that. He was not very helpful. I filled out a police report and sent it to BOA for their records.I received a letter denying my claim dated XX/XX/XXXX. It stated : Our research included the information you provided with your claim, your account history, the monthly account statements we sent you, and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. It goes on to say The credits for {$900.00} that was applied to your account will be removed on XX/XX/XXXX, along with any credits for fees related to this claim- You'll see the adjustments on your monthly statement. They were made aware in my letter to them That Federal Law states that if an unauthorized transaction is reported 2 days after discovery I am only responsible for {$50.00}.
Consumer complaint received 2024-06-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Oklahoma Motor Credit Company (OK)

XXXX, XXXX, XXXX XXXX are dishonest people and corrupt. XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Capable of XXXX, conspiracy to commit XXXX, lying, aiding and abetting, trying to obtain property under false pretenses, sending someone over to my house to XXXX XXXXXXXX. Lucky I was not home. XX/XX/2024 those attorney people sent XXXX XXXX hoping to commit a crime against me. Oklahoma Motor Credit XXXX XXXX XXXX XXXX XXXX need to be shut down permanently and there insurance and the entire business needs to pay up. I want them prosecuted and held accountable for their actions and crimes perpetrated against me.
Consumer complaint received 2018-08-15
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Upon reviewing my XXXX credit report XX/XX/2018, with attorney it was pointed out that XXXX is knowingly and intentionally reporting false information which is in Violation of the Fair Credit Reporting Act. XXXX indicates that the closed account on my report was sold/transferred to a company ; XXXX XXXX c/o XXXX XXXX. I called XXXX and their office confirmed and provided me the telephone number and address ( XXXX XXXX c/o XXXX XXXX telephone # XXXX address XXXX XXXX XXXX XXXX XXXX, NY. ). I called XXXX XXXX c/o XXXX XXXX they searched their records for 30 minutes  while I was on-hold, using my social security number, DOB, address, and telephone number, they found no evidence of ever having the account and indicated they do not service and never have serviced personal loans, payday loans, as that their business serviced other business and collection platforms. XXXX continues its Predatory Lending behaviors and is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2023-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX, XXXX, and Equifax are all furnishing inaccurate information regarding an XXXX XXXX account. I have highlighted all XXXX inaccuracies in a PDF sent with this compliant.
Consumer complaint received 2023-10-24
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. (TX)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2018-08-15
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX, I modified my home equity loan with Chase Bank and established a monthly payment system with them that would automatically withdraw my account for a monthly installment of {$490.00}. 

In XX/XX/XXXX Chase withdrew all of the money I had in my account ( amounting to {$2000.00} USD ) without notice or warning. After speaking with a representative, they informed me that their system had committed an error in establishing a payment arrangement and that the installment they were withdrawing was insufficient. They then demanded I pay {$60000.00}. 

As a result, my credit score has been severely negatively affected for complying with Chase 's agreement and are refusing to establish my score.
Consumer complaint received 2023-10-24
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. (NJ)

Trans Union, XXXX, and XXXX are reporting an account transaction from XXXX XXXX XXXX which is a result of identity theft. I am not engaged in any business with the collection company and have never signed any contracts with the collection company. I have already notified the credit reporting agencies of the identity fraud and they are willfully failing to block and permanently delete the account transaction from my credit report and file. The reporting of this transaction is causing injury to my household and hindering my access to credit.
Consumer complaint received 2018-08-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have have repeatedly requested XXXX XXXX XXXX to provide documents to prove the amount they are reporting on my credit report. They have failed to do so within the 30 day period required by law. Portfolio is reporting a balance with out any records that show how they calculated the debt they claim is owed. XXXX XXXX XXXX does not have any accounting records that prove this debt. 

Portfolio purchased the debt from XXXX XXXX XXXX but has no accounting of what they have purchased. The have not provided proper debt validation and are in violation of the Fair Debt Collections Act. They are using Harrasement ( 806 ) and Unfair Collections Practices ( 808 ) Furnishing Deceptive forms to keep reporting this information to all 3 Credit Bureaus. Nothing they have provided has showed accounting of the balance they claim owe, There are clearly many violations Fair Debt Collections Violations XXXX  XXXX also has no accounting records that show how this amount was calculated and sold to Portfolio Recovery Services. 

I have filled a complaint with all three credit bureaus and Portfolio has reported this debt accurate- They need to provide proof of the amount they are ruining my credit report for
Consumer complaint received 2018-08-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (LA)

Complaint consumer finance is currently checking into to problems with Ally Auto Financial. Since reaching out to you with this problem, more issues have occurred. I paid {$800.00} on XX/XX/XXXX and my payment is still in pending process and wont be taken until XX/XX/XXXX. This in conflict with their practices in the past where my payment was taken out immediately. They took out another payment on XX/XX/XXXX, but not for the amount of {$800.00}, but for {$590.00}. They were billing {$320.00} every two months prior to your investigation even though I paid {$800.00} every month. 
Thank you for your services. 
Best regards XXXX XXXX
Consumer complaint received 2024-04-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc. (DE)

Our mortgage with Rushmore Loan Management Services was paid in full in XXXXXXXX XXXX  when we refinanced with another company, but they never filed a Release of Lien with the Recorder of Deeds. This is a defect of title which will preclude us from taking out a home equity loan, refinancing our home or even selling our home someday. When we tried to call Rushmore Loan Management Services the number is not in service but they provide another number XXXX ( Rushmore Servicing ) which is fully automated so you can not speak with a representative if the computer can not locate your account number. The computer couldn't locate our account so it would not ever let us speak with a person. I did, eventually get in touch with someone at Rushmore Servicing by calling a number intended for another purpose and they told me that Rushmore Loan Management, " Sold off their name and they are defunct and we have no record of your loan. ''
Consumer complaint received 2024-03-25
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: Experian Information Solutions Inc. (NV)

I legally changed my full name in spring of XXXX. I recently noticed Experian never updated on its own from my credit card reporting. I uploaded all necessary documents online to update my legal name with Experian and received a copy of my credit report shortly after via USPS, showing the update. 

However, my credit file appears to be split or something now. When I log in to my Experian account online, it shows me my former legal name on the credit report and says I have no credit score, all accounts and history have vanished except for inquiries. I also received an email from Experian stating I have no credit score. 

My credit card is through my bank ( XXXX ). XXXX uses XXXX XXXX, which pulls an Experian vantage score for its clients. XXXX XXXX is now also stating that I have no credit score. My bank and credit card were updated last summer when my legal name change was granted. My credit card is and has always been reporting correctly. 

I have called Experian multiple times during XX/XX/XXXX in attempt to get this fixed. One gentleman I spoke with provided me with a case number. Everyone Ive spoken to seems to think theyll be able to fix it with whatever form theyre submitting but it never happens. This extreme error on Experians behalf is going to cause me to be homeless, as I need my credit ran to secure a new home. This situation has caused me extreme emotional distress. 

I am submitting the paper copy of my updated credit report that Experian sent via USPS showing the name change with my complete and accurate credit history. I am also submitting a screenshot from my online Experian account as it is today, showing my former name, no credit score, no accounts, no history. Lastly, I am submitting screenshots showing that Experian emailed me stating I have no credit score and XXXX XXXX stating I have no credit score. 

This must be resolved as soon as possible.
Consumer complaint received 2023-01-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Dana & Pariser Co.,L.P.A. (OH)

Dana & Prasier Co, LPA is the Collection Agency that XXXX XXXX XXXX XXXX, XXXX is using to collect on XXXX XXXX XXXX XXXX XXXXr bills that are not owed and have even threatened to evict or have evicted tenants tat do not pay. Even if you do pay the water bill XXXX uses the collection agency Attorneys to evict tenants anyway like they did me. I had to agree to an Agreed Entry and be out of my old address by XX/XX/22 at XXXXXXXX XXXX or that Agreed Entry would automatically turn into an eviction that would ruin my rental history and credit. 

I was told by at least two Attorneys ( XXXX XXXX, Ohio Legal Aide and XXXX XXXX, XXXX XXXX, XXXX, Ohio ) that collections on old water bills that aren't proven as actually OWED by the tenant themselves is ILLEGAL which means that Dana & Praisers Attorney, XXXX XXXX, had o to of kown that too and yet their company continued to collect on the debt.I tried for over a year to settle the matter wih their client, my old landlord, XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX ) and she only communicated by email one time then after that never would go over the bill again.
Consumer complaint received 2023-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (LA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (TX)

I paid a debt owed to XXXX XXXX in full on XX/XX/2018 in the amount of {$470.00} and they told me it would be removed from my credit report once it was posted to my account. It has posted and the confirmation number is XXXX. However, the collection agency ( Enhance recovery ) refuses to remove it after the originally creditor agreed to delete. The collection agency agent ( XXXX XXXX ) says they will not delete from my report.
Consumer complaint received 2018-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXX XXXX, ACCOUNT NO.XXXX IS WRONGFULLY APPEARING ON XXXX AND EQUIFAX CREDIT FILES. 
While the account could be properly placed in the public records portion of the credit reports, it is not. 
The account is appearing as a collection and as such it is illegally re-aged.The correct DOFD is XX/XX/XXXX, the day rent was due and delinquent after XXXX that same day. 
To be aged incorrectly by 4.5 months is damaging financially to me.The correct age of the account is 5 years ,4.5 months.When the age of the account reaches 5.6 years on XX/XX/XXXX,  the fico affect, a negative affect will be dramatically reduced by the aging process. 
IN CFPB DISPUTES XXXX AND XXXX, the certified court docket provided to Equifax and XXXX was sufficient proof of the re-aging and XXXX AND EQUIFAX HAD A DUTY, A LEGAL DUTY TO ACT AND DELETE THE ACCOUNT. 
THIS IS THE FINAL NOTICE, THIS IS MAKING A RECORD BECAUSE PLANS ARE IN PLACE TO EMPLOY A XXXX/HR ATTORNEY TO COLLECT DAMAGES FROM XXXX, EQUIFAX AND XXXX XXXX XXXX XXXX, for their consistent violations of the FCRA.XXXX XXXX admitted to verifying this account at least 40 times in the above named CFPB complaint.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MN)

Hello, My payment cycle with MOHELA is on the XXXX of each month. I paid {$200.00} on XX/XX/XXXX to be posted to my student loans. During this time, they switched website providers. I logged in today and I see that there is no history of my previous payments, and even though the {$200.00} was withdrawn from the Department of Education, it does not show on my account. It shows I still have a payment due on XX/XX/XXXX. 

I did call MOHELA- they initially could not find my payment. Its almost important to note, I never received a payment confirmation email. After spending time on hold multiple times, the agent I spoke to said her team was able to find my payment of {$200.00}. This payment is basically currently lost due to their website provider changes and they have 90 days to apply it to my account. 

However, does this not account for the fact that I still have a payment due on XX/XX/XXXX - which this {$200.00} payment I submitted and was withdrawn from my account. I was told that if I had the funds to re-pay, to do so. Otherwise, no late payments would be reported to the credit bureaus. My payment was not late as I paid on XX/XX/XXXX, they did not provide any other viable solutions. 

I did submit a dispute with XXXX XXXX today and they said it could take up to 10 days to hear back a status. 

Id like it to also be in writing that in my short time with MOHELA this is not my first problem with lack of responsibility and action. When my loans earlier this year were transferred from XXXX to MOHELA, I did not receive proper information. Their website stated for weeks that they did not have my loans. The day after my billing cycle, they were showing I was late. I did not receive a statement, email, or even a welcome letter to know they were my provider - let alone that there was something due. 

I would like MOHELA to refund me my {$200.00}.