davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (FL)

I am writing to dispute the following information that you are providing on my credit report : 30-60 days late payments. 

For starters You have been billing me incorrectly since XX/XX/2023. You have charged for me fraudulent charges and failed to remove all of the charges after I opened a claim. As you are aware all charges with balances create interest which Im forced to pay. I have written multiple letters for this to be corrected. The billing error has finally been updated XX/XX/2023. Which is also when you reported inaccurately late payments. XXXX, XXXX and XXXX shows that you state that there was not a payment made in XXXX or XXXX. That is False. Your rep stated that I made a {$70.00} payment on my account in XX/XX/2023. However I also made a {$280.00} payment and Discover credited my account an additional {$81.00}.
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The Credit Reporting Agencies are reporting negative and fraudulent information about me on my consumer report without my consent while at the same time tarnishing my reputation. The Credit Reporting Agencies are also violating my consumer rights 15 U.S.C. 1681b permissible purpose of a consumer report. I have no contract with any of the Credit Reporting Agencies ; TransUnion, XXXX, and XXXX to report any negative information about me to any corporation and I do not wish to contract with TransUnion, XXXX, and XXXX. I never gave TransUnion, XXXX, and XXXX written consent to report anything on my consumer report. No consent equal fraud, which TransUnion, XXXX, and XXXX is committing, FRAUD!
Consumer complaint received 2024-01-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (AZ)

I want my credit cleared because I was paying to fix it last year and it is legal to report transaction history. Self won't let me cancel my account and I am getting ready to buy a house but it keeps reporting inaccuracies, and it's lowering my score dramatically. A charge which is a certificate of indictment, which means it is income and must be removed. Also Every 30 days they should let me opt out, but they don't. I would like you to please clear off everything reporting incorrectly on my credit because it is effecting my life and lowering my living standards. I appreciate your time for addressing all these concerns. Thank you very much and have a great day.
Consumer complaint received 2024-01-13
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. (AZ)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hasson Law, LLC (WA)

I was notified about a debt through a lawsuit. There is no information provided about the debt owed. After a review of medical bills and health insurance records, I find no debt owed to the XXXX. Now, this debt collector is threatening me with legals fees and seeking a settlement. The alleged debt owed is {$570.00} and a lawsuit is a very heavy-handed approach. I'm not an attorney and it's costly to hire one for the amount in question.
Consumer complaint received 2024-01-13
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. (NY)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX Balance : {$250.00} ; XXXX XXXX Balance : {$1600.00}.
Consumer complaint received 2017-03-30
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (OH)

In error a payment was sent by online banking to Citibank Diamond Preferred Credit card with a balance of {$0.00}. Company processed the payment despite XXXX balance. Upon identifying the error company was contacted to request funds be returned. Company refused to return funds in time period less than 6 weeks. Numerous calls to customer services with no method to escalate complaints within their system
Consumer complaint received 2017-02-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: General Credit Services (AZ)

We moved out of XXXX XXXX at the end of XX/XX/XXXX. Around XX/XX/XXXX, we got a letter in the mail from a credit agency trying to collect almost 3,800 from us for XXXX XXXX. Right away, I called the trailer park & spoke to XXXX, the manager, & she wax very rude to me. I asked her why she had gone almost a year without ever trying to contact me to give me a chance to discuss this matter and/or pay what damages we are responsible for & why she went straight to the credit agency, almost a year later, without every contacting me first, & her exact response was, " I do n't gave an answer for you ''. I want to stress the fact that XXXX XXXX has always had my phone number & address. I know this for a fact because, even while we lived there, we used our current address for mailing, & always recieved any mail they sent us. My phone number has never changed either. She never tried contacting me in any way to discuss & take care of this matter within the 11 months after no longer living there, & went straight to the credit agency. We moved in to that trailer park with different managers at the time who put us through so much & we ended up accepting certain damages as is, at the end of XX/XX/XXXX. I feel like XXXX, the current manager, is charging us for damages we moved into & this amount of money is absurd, let alone the fact she never contacted me within 2 weeks to inform me of any fees. We were always very good tenants & never caused any problems. I wish for this to be handled legally & with appropriate ethics, which is should be. My name is XXXX XXXX. My boyfriend is XXXX XXXX. & my phone number is XXXX.
Consumer complaint received 2024-01-13
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-13
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO Bank, N.A. (CA)

I have perfect credit payment history. We were robbed by a contractor and forced to use credit cards to get home repaired. We used equity earned to pay back credit cards. BMO Harris stole the money I paid and dropped credit limit to amount I paid. On top of being extremely stupid by scamming a couple making over $ XXXX a year with a high value home that will be refinanced, they stole money from a loyal 20 year client who has never missed a payment ever.
Consumer complaint received 2017-05-03
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NATIONSTAR MORTGAGE LLC (FL)

XXXX   XXXX   XXXX   XXXX    thr ough its servicer Nationstar Mortgage is continuing to collect a debt that is not owed on a mortgage that the  State Court ha s ruled is not enforceable.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I'm disputing the following information on the XXXX credit reporting agencies. I was the victim of identity theft and the following account and inquiries are listed without my knowledge, consent or authority. Please see that XXXX XXXX is removed from my credit reports along with ANY inquiries related to XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I'm submitting this with my FTC report which is a legal representation of the facts. I need this matter handled ASAP as it's impacting my ability to do a loan and is causing me a ton of emotional, physical and mental health issues.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Auto Finance Co (SC)

On XX/XX/2024, Safco auto loan has been paid off in full and since, they have been reporting changes in payment history and balance increases to the credit bureaus but not reporting that the account is paid in full. I have disputed this with the credit bureaus and the disputes have come back complete with no changes. This means SAFCO is unethically practicing reporting and collections which goes against the FCRA and compliance 2. These credit bureaus are definitely not seriously verifying the information and statements that are being placed on credit reports nor the disputes from the consumers. This is causing damage in manipulating the credit scores and history.
Consumer complaint received 2024-01-12
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc. (NM)

Dear Sir/Madam, I had to choose wrong amount because ont he form it doesn't have a section for re-aging. 

I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collection account that has been inaccurately re-aged and reported on my credit report. This deceptive practice is causing damage to my creditworthiness and financial stability, and I believe it is imperative that the CFPB investigates and rectifies this situation. 

The collection account in question pertains to XXXX XXXX XXXX XXXX XXXX XXXXXXXX but is now in collection with Central Portfolio Control. Central Portfolio Control has inaccurately reported the date of the account as XX/XX/XXXX when the account with XXXX XXXX was back in XXXX and I believe that this collection account has been re-aged improperly, extending the reporting period beyond the legally allowable time frame. This not only violates my rights as a consumer but also presents a clear case of deceptive and unfair collection practices. 

I would like to provide some details about the situation : The original debt was incurred XX/XX/XXXX, and it should be removed from my credit report after seven years, as per the Fair Credit Reporting Act ( FCRA ) regulations. 

However, I have recently noticed that Central Portfolio Control has updated the date of last activity on this account, making it appear as if the debt is more recent than it actually is. This re-aging has led to a prolonged negative impact on my credit score, making it difficult for me to access credit or obtain favorable terms on loans. 

I have directly disputing the accuracy of the information they have reported to the credit bureaus. Unfortunately, they have been uncooperative in addressing my concerns. 

Given the above circumstances, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Central Portfolio Control and XXXX  XXXX for engaging in deceptive and unfair collection practices. I also request that the CFPB intervene to have this inaccurate and re-aged collection account removed from my credit report, as it is unjustly harming my financial standing. 

I understand the importance of the CFPB 's role in protecting consumers from unfair financial practices, and I trust that you will take this complaint seriously and act swiftly to rectify the situation. Please keep me updated on the progress of the investigation and any actions taken to resolve this matter. 

Thank you for your attention to this issue. I look forward to a prompt resolution and the restoration of my accurate credit report. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (HI)

I have recently checked my credit report and I wanted to ensure the 100 % accuracy of every item reporting within my consumer report. I asked the company to reinvestigate the accounts listed on my consumer report for accuracy.
Consumer complaint received 2024-01-12
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Bridgecrest Acceptance Corporation (SC)

My signatureXXXX. I never legally signed the Retail Installment Contract and Security Agreement of XXXX and Retail Purchase Agreement if XXXX. Its a digital signature that they provide when they dropped off the car. I know that Esign and UETA acts there are for major requirements for an electronic signature to be recognized as legal under U.S. law. And that is the Intent to sign, consent to do business electronically, clear signature associations and record retention. This is for the State of South Carolina. BridgeCrest and XXXX has violated so many of my rights without a proper remedy. My Consumer Fair Rights, Dealership Act of SC and My Right to Rescind and Regulation of Manufacturers, Distributors, and Dealers and Motor Vehicle Dealers Trade Regulation Rule.
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Company, Capital One has refused to comply with federal law and consumer laws violating my rights as a consumer. The company has violated my privacy rights under The Privacy Act of 1974. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). Congress advises any of my private information is not for public. Capital One has violated federal and consumer laws According to 15 U.S. code 6801, It is the policy of the Congress that each financial institution those that have extended lines of credit have an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 U. S. code 6802, follows by adding that, a financial institution may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice. A company must provide XXXX disclosures before information can be exchanged and the customer must agree first. The financial Institution must conspicuously disclose to the customer in writing or in electronic form that such information may be disclosed to such third-party. Capital One has no permissible purposes, According to 15 U.S. code 1681, of this inquiry on my consumer credit reports. The reporting status of the account is " Charge off ''. According to the IRS Publication charge-off accounts are considered " Certificates of Indebtness '', which means it is income and must be removed. Income can not be reported to a consumer report.
Consumer complaint received 2024-01-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (IL)

Mr. COOPER bought my loan from XXXX XXXX and lost my data a few days later to the Dark Web. The way they handled the situation was horrible. They gave no details and let us know only after the mainstream media got a hold of the news. 
Aside from that catastrophe, contacting them is an ONGOING NIGHTMARE. You try to call them and get an actual human being. Their website has one phone number on it hidden within many links to click thru before you get to it. Their automated machine is garbage. 
Do you know how it feels to go from XXXX XXXX to Mr Cooper losing all my data to fraudsters and not being able to even contact them about a simple question about my mortgage?
Consumer complaint received 2023-03-10
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. (DC)

I WAS LOOKING OVER MY CREDIT REPORT AND NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY REPORT ( XXXX XXXX ). I DISPUTED THESE ITEMS WITH THE CREDIT REPORTING AGENCIES TO NO AVAIL. I FILED AN IDENTITY THEFT REPORT ALONG WITH A POLICE REPORT AND THEN SAW THAT THERE WERE MORE ACCOUNTS ADDED AFTER THAT. SO I THEN FILED ANOTHER POLICE REPORT ( XXXX. XXXX ). 

ACCOUNTS ARE BUT NOT LIMITED TO : XXXX XXXX XXXX XXXXXXXX XXXX  ( TWICE ) XXXX XXXX XXXX XXXX XXXX  THERE IS ALSO A XXXX XXXX XXXX XXXX ACCOUNT THAT I DISPUTED WITH ALL THREE CREDIT REPORTING AGENCIES NUMEROUS TIMES. THIS ACCOUNT HAS BEEN REMOVED BY TWO OF THE AGENCIES ( XXXX XXXX Equifax ). XXXX HAS REFUSED TO FOLLOW SUIT. AS THIS ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT.
Consumer complaint received 2023-07-05
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. (CA)

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX  XXXX
Consumer complaint received 2024-01-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Grain Technology, Inc. (MS)

Grain Technoloy is reporting a collection/chargeoff to the credit reporitng. XXXX is reporting the high credit limit as XXXX. XXXX is reporting XXXX XXXX is reporting XXXX. Furthermore XXXX is reporting that the date of last payment is XXXX, however they have continued to report a payment history for XXXX and XXXX it is a violation for a chargeoff to continue to report a payment history. Additionally, XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Even with all these inconsistencies, each company continues to respond that the account has been verified as reporting accurately. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report According to FCRA 623a ( 1 ) ( A ), 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. 

Grain continues to verify that the account belongs to me and blantly ignore all of the erros i have disputed on my credit report. 

B ) reporting information after notice and confirmation of errors- a person hsall not furnish information relating to a consumer to any credit reporting agency if ( 1 ) the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and the information is infact accurate. 

Here, for the i have dipsuted for a year with all three credit buraus constantly pointing out the inconsistencies that are being report. Each time, the bureaus confirms that grain has verfied the account as accurately, however, all of these consistencies and inaccuracies remain. 

in fact, XXXX is reporting the date of last payment XXXX, and XXXX  and XXXX is XXXX XX/XX/XXXX, a clear indication that there is an inconsistency and the information is not reporting accurately. Grain is aware of this as they are the ones who provide verification to the credit reporting agencies. This is a clear willful non compliance.
Consumer complaint received 2024-01-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (FL)

I am writing to report an unresolved dispute with Chase Bank and seek your assistance in reaching a resolution as soon as possible. Utilizing the services of Chase Bank, a total of XXXX USD was transferred from my account to the fraudsters impersonating a legit XXXX XXXX through XXXX using trickery, manipulation, advanced money extraction techniques, and lies.