davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-07
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: I.C. System, Inc. (MO)

Subject : Cease Unauthorized Credit Reporting Texas FCRA and Identity Theft Laws Enforcement Hey I C SYSTEM, I'm reaching out regarding a serious breach concerning the unauthorized inclusion of information on my credit report, as per the Fair Credit Reporting Act ( FCRA ) sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with the Texas Finance Code sections 392.301 and 392.305, not forgetting Texas Penal Code Section 32.51 on identity theft.

It has dawned upon me that I C SYSTEM has taken liberty in reporting to my credit without my explicit say-so. Federal law, under the FCRA, makes it abundantly clear that consumer consent is paramount for such actions, as stated in Section 1681b ( a ) ( 2 ).

In tandem with federal mandates, Texas state law, particularly Section 392.301 of the Texas Finance Code, emphasizes the importance of consumer consent in credit reporting. Also, Section 392.305 of the Texas Finance Code lays down the law on fair reporting practices. And let 's not overlook identity theft laws, like Texas Penal Code Section 32.51, which underscore the gravity of unauthorized access and misuse of personal info.

I assert, without a shred of doubt, that I've not greenlighted I C SYSTEM to report any information to my credit. This blatant lack of explicit consent violates my rights, posing a threat to my creditworthiness and showing utter disregard for federal and state laws.

I demand, unequivocally, that I C SYSTEM immediately halt any further reporting to my credit without my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within XXXX  days will be seen as intentional defiance, subject to penalties under relevant laws, including identity theft statutes.

Obtaining consent isn't a choice ; it's a legal duty under these sections of the FCRA, Texas state law, and identity theft regulations. This isn't up for debate ; it's a demand for adherence to federal and state rules, safeguarding consumers like myself from unauthorized and detrimental credit reporting.

I expect your immediate attention to this matter and trust that I C SYSTEM will swiftly rectify these egregious transgressions, honoring my rights under federal and state laws.
Consumer complaint received 2024-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (AZ)

This debt collector, Central Portfolio Control has been trying to collect a debt for my daughter that is not owed. The date of service was an XXXX XXXX  visit in which we were never seen or evaluated by a medical professional. When we checked into the XXXX  we gave the hospital our insurance information and that covered any charges anyway since we had met our full deductable. We had to leave the emergency room after XXXX hours because my daughter needed XXXX  and we had not been seen yet.
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

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.
Consumer complaint received 2018-09-12
Product: Credit card or prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

XXXX XXXX Visa Prepaid card.I can not withdraw my funds.I called customer service on XXXX XXXX to get answers on why funds are on Hold.They keep telling me each day that I have to call back for a update.I have fax and e-mail all the documents but still get the same answer -- '' This is being sent to the another dept because my account was suspened ... I am XXXX XXXX XXXX and I live on my own.
Consumer complaint received 2024-05-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (FL)

2014 I applied for the mortgage assistance program and filled out paperwork about 5 times over a span of a year or more. They accepted it the first time, took my first payment but wouldn't take my second payment and told me to fill out paperwork repeatedly the same paperwork 5 times, each time with the hope of saving my home. Each time a new representative stating they could help me. I was a single parent, XXXX children, just got divorced, my job lowered my pay, I was in hardship. My ex husband was in jail and not helping with the payments for the house to keep our children 's home. I tried getting renters in to show proof of more income and had them sign paperwork. Overall, Wells Fargo foreclosed on me. I now get a piece of paper saying oops we made a mistake here 's XXXX??
Consumer complaint received 2024-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 1st Franklin Financial Corporation (GA)

As per the Fair Credit Reporting Act ( 15 USC 1681 section 602 ( a ) ), it is emphasized that consumer reporting agencies must handle their responsibilities with fairness, impartiality, and respect for consumer privacy. XXXX, XXXX, and XXXX are such agencies, and I, as the Consumer, have the right to ensure that my private information is not shared, as supported by 15 USC 6801. This law states that each financial institution, including 1st Franklin Financial, has a duty to uphold customer privacy and protect their nonpublic personal information. 

According to 15 USC 1681 section 604 ( a ) ( 2 ), a consumer reporting agency can only provide a consumer report with the explicit written instructions of the consumer concerned. None of the mentioned financial institutions or reporting agencies have my consent to furnish this information, verbal, non-verbal, written, implied, or otherwise. All previous forms of consent are hereby revoked.

Under 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer of their right to opt out. However, 1st Franklin Financial has not informed me of this right.

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially information that predates the report by more than seven years. This account is adverse and is being reported without my permission, violating the law.

According to 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ), no one should furnish inaccurate consumer information to a reporting agency. XXXX, XXXX, and XXXX are not maintaining reasonable procedures to avoid violations of consumer reporting laws. Additionally, 12 CFR 1016.7 allows consumers to opt out of reporting services at any timeI am exercising this right now.
Consumer complaint received 2024-05-07
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (TX)

When I checked my credit report, a list of lenders was presented as " outstanding approval odds '' The message read as follows through XXXX XXXX  : " You have Outstanding Approval Odds for {$32000.00} Many members use loans to pay off debt, which often helps their score '' I thought this was my opportunity to pay off a few small debts I have, and stay with one small monthly payment, so I was confident that it was going to be a smooth transaction process. Therefore, the company that I felt familiarized with was One Main Financial ; so, I requested a loan of only {$4500.00} from them. Unfortunately, the process took various days ( approximately XXXX days ) ; representatives would constantly call me to request documents, such as check stubs, student loan screen shots of my balance, payment status, etc., which I immediately submitted. Then, today, I received their last call, and I was notified that unfortunately I do not qualify for the requested loan due to my " outstanding '' student loans ( which I am not paying back yet, and I am XXXX XXXX XXXX XXXX  ). According to them, even if I was " pre-approved '' I am now disqualified for the requested loan, and this has now created a new dent on my credit line due to being a hard inquiry. Where are the good news at being " pre-approved '' for a personal loan? Being pre-approved made me believe I just needed to present basic documents, sign, date and bam ( either a deposit or a check to cash or deposit ). I strongly believe customers are being misled with One Main Financial via XXXX XXXX. I have a job of XXXX years, I possess a XXXX XXXX XXXX, I am still a XXXX trying to pursue my XXXX XXXX XXXX, plus I make my payments on time, which is reflected on my credit report as XXXX % on time. However, these individuals are lying, and causing for people to lower their self-esteem, waste their time, lower their credit score, among other emerging issues related to misled information and broken promises. I would like to submit this complaint since I am sure I am not their only victim.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (WA)

It currently shows that I owe an alleged debt with Nelnet. I have no idea who these debt XXXX are. There has been no provision of an original contract or binding agreement complete with signature between myself and the alleged debt collector. On a report of credit that is connected to me, it shows that DEPTEDNELNET aka Nelnet, has an account connected to my personal information that is open and current. That is misleading, misguided and an inaccurate. It is an egregious abuse of misinformation, and a theft of identity as they have my personal information without my permission or consent. It is a gross misconduct and abuse of the practices as a debt collector and should not be tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act. This also shows that before allowing misinformation and inaccuracies to be allowed on a report of credit connected to me that all credit reporting agencies and bureaus did not investigate properly before allowing these negatives remarks and balances to be placed on said report.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL (GA)

rooms to go account XXXX. I would like rooms to go to remove this account off my credit report. This is an old account that was open in or around XX/XX/XXXX and service ended around XX/XX/XXXX and last bill was XXXX. The bill was paid in full, I was in formed it will be taken off my credit report and it's still showing.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I called XX/XX/XXXX to ask why I received an email stating that my Chase checking account is restricted and will be closed soon and when speaking to a representative, they stated that they show that my account will be closed in the next 10 business days and that I cant really do anything about it. They also stated that they could not give me any reason on why it was being closed. I requested to speak to a supervisor and the supervisor said the same thing and that they could not give me any information.
Consumer complaint received 2023-04-24
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I do not have any dates and times at the moment but the company has been calling me for years trying to collect a debt. I got so frustrated that I was willing to make payments on the debt but was told by the company I would need to pay in full.
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

I reviewed my consumer reports and found inaccuracies on an account that should not be on my report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account Toyota Financial Services XXXX XXXX XXXX Please investigate and provide proof with statements showing I was late. If proof can not be provided I demand that thes payments be updated to on time never late. Thank you
Consumer complaint received 2023-05-10
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: EQUIFAX, INC. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

According 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. 

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 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-04-24
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: JPMORGAN CHASE & CO. (IL)

Chase Bank has accepted, and the business has accepted the mistake made by the business and has resolved it. Then, two months later, Chase decides to reverse the decision because of an internal glitch. They are now harassing me and continuing to try and make me pay for an already accepted disputed charge.
Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION (NV)

VALIDATION OF DEBT, CONDITIONAL ACCEPTANCE UPON VALIDTION OF DEBT AND TENDERED NEGOTIABLE INSTRUMENT WAS SUBMITTED ON XX/XX/XXXX VIA RE XXXX XXXX XXXX XXXX and XXXX HAS FALIED to VALIDATE the DEBT. YESTERDAY they SENT ME A DELIQUENT NOTICE WITHOUT SENDING ME VALIDATION OF DEBT PER WRITTEN REQUESTS. THE HAVE BEEN GIVEN NOTARY CERTIFIED NOTICE OF DISHONOR and FAUL IN DISHONOR WITH OPPORTUNITY TO CURE. 

Under the Fair Debt Collection Practices Act ( FDCPA ), if a creditor can not verify a debt it may not collect the debt or otherwise contact the debtor about the debt. If the collection agent does not contact you further about the debt, it is safe to assume your collection account was a bare account, and therefore is non-collectable. 

I will FILE a DEFAULT & DISHONOR with SECRETARY of STATE and IRS is 1099c is not issued and HOLD CFO XXXX XXXX PERSONALLY RESPONSIBLE and FILE COMMERICAL LIEN I am UNABLE to UPLOAD SUPPORTING DOCUMENTS because your system says I can not upload files that exceed XXXX so I will call in tomorrow to complete this submitssion and fax in my attachments
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (SC)

Per Family Educational Rights and Privacy Act my student loan payment history is not suppose to be reported to any 3rd party and it has. I also have not got any disclosure per each reporting for me to opt out of the reporting per 15 USC 6802. Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802.
Consumer complaint received 2020-07-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2024-01-30
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: MARINER FINANCE, LLC (GA)

I borrowed XXXX XXXXXXXX and have paid back all but XXXX XXXX  which I am currently paying. 
I asked that they not call my job and they did anyway. I emailed them requesting they not call me at work and they still called me at work! I asked that they remove my work number and they keep calling. They call the main line number to a different department so the call goes through other offices as it has to be transferred. This is a private company, not my home! 
They left me no choice but to seek legal action.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (FL)

Since XX/XX/XXXX of this year a collection company, XXXX XXXX XXXX, has been reporting an account to my consumer credit file in XXXX, XXXX and XXXX. The article is a debt in my name for the amount of {$660.00} which I don't recognize as mine. Furthermore I have never used the services of the company who originally contracted them. Under the FCRA laws, I submit a dispute with each credit bureau twice, both times asking for the documented proof and correction of the item on file. My simple request is being ignored and no such documentation, be it itemized charge lists, original contract, signed paperwork, debits, affidavit or other document has been provided to me. This company is damaging my economy to the point that I tried to obtain a mortgage and the rates where not the best because that erroneous and fraudulent debt on my credit report. I am contacting the CFPB with this complaint because not only is the debt illegally reported, but not one principal at XXXX will help me as is required under the law. 

I have gone on the record with the top three bureau 's and have extensivley sought a resolution to this issue. I am asking the CFPB to mediate and force servicer to comply with an actual investigation, provide documentation from where they got this account and fix a problem which is not mine, yet which through negligence, is besmirching my standing.
Consumer complaint received 2023-06-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Onity Group Inc. (FL)

PHH Mortgage In XXXX due to XXXX I lost my job. So, I called PHH Mortgage and I requested to go into Forbearance. I was denied. In XXXX So, next I asked for a Loan Modification. I was told that that XXXX XXXX  refused for a Loan Modification.!! Now, they are Foreclosing on my Home. They have a Sale date on XX/XX/XXXX.
Consumer complaint received 2024-05-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I used my debit card at a gas station. I accidentally left the card on the counter and did not realize it. I immediately called capital one to close my card, they informed me there was several charges I did not authorize. The charges were XXXX {$59.00}, XXXX {$48.00}, XXXX XXXX {$120.00}. I have NEVER shopped at these stores before. My checking account history clearly shows I have never shopped at these stores before. But capital one is basically calling me a liar and declining my claim. I called them and provided proof that I did not have my card at all, and even the gas station clerk can be a witness as I went back to the gas station to try and get my card back, but it was already gone. They are completely refusing to help me. This is ridiculous and awful customer service. I no longer wish to do business with Capital One.
Consumer complaint received 2024-04-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.